澳储行:房贷系风险 房价未必暴跌

据《澳洲金融评论报》报道,澳洲储备银行日前表态,墨尔本及悉尼昂贵房产买家背负的高水平房产债务将对金融稳定造成威胁,但鉴于存在最基本的供需关系,未来两市房价未必暴跌。

澳储行助理行长布洛克(Michele Bullock)在“经济与社会前景研讨会(Economic and Social Outlook Conference)”上表示,澳储行已在本行所撰写的金融稳定分析中将房贷列为风险项,但房价本身并非问题所在,而欠贷家庭在房价突然下跌时的不堪一击及此带来的影响才是真正难题。此前总理谭保也已提醒,房价走势不明,未来或有加息可能,呼吁民众审慎申请房贷。

据了解,为刺激消费需求,澳储行去年做出了降息调整,悉尼及墨尔本房价一时激涨,导致澳洲审慎监管局(APRA)不得不出台新“宏观审慎”政策,抑制投资者借贷及无本金贷款。布洛克表示,澳储行尤其关注房产投资者,“因为投资者可能更倾向于顺周期动作,即价高时买入,价低卖出,因此他们可能导致整个循环恶化”。

但布洛克也指出,目前房市堪称“双城记”,除了悉尼及墨尔本,澳洲其它城市房价不大可能出现较大上涨。她称,导致这种情况出现的原因很多,基本的供需关系就是其一。布洛克提到,就悉尼目前的状况而言,其房产供应仍难满足此前几年积压的需求,墨尔本则是因近期人口的急速增长带动了需求上升,“因此我们非常重视债务水平走高而收入增长缓慢将带来的风险,负债与收入比正在上升”。

但她随后补充道,悉尼及墨尔本存在的基本供需关系问题并不意味着两市将面临房价暴跌的局面,但确实有必要密切关注两地房市。

 

转自 澳洲新快网

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