APRA Home Loan Caps 2025: Impact on Australia's Housing Boom Explained скачать в хорошем качестве

APRA Home Loan Caps 2025: Impact on Australia's Housing Boom Explained

APRA home loan caps are coming in 2025 to tackle high-risk lending amid Australia's housing boom. Learn how the new debt-to-income ratio limits will affect buyers and investors. In this video, we break down the Australian Prudential Regulation Authority's (APRA) latest move: from February 1, banks can only issue up to 20% of new loans with a DTI over six times income. This targets risky large loans that could fuel property price surges. Key highlights: Separate caps for owner-occupiers and investors to prevent investor crowding. Why APRA is acting now: Rising household debt and booming house prices. Government support from Treasurer Jim Chalmers vs. Greens calling for stricter investor limits. Minimal immediate impact, but potential for more rules if risks grow. Exemptions for new home builds to boost supply. Discover if this will cool the housing market, improve affordability, or just shift lending to non-banks. Perfect for first-time buyers, investors, and anyone watching Aussie real estate trends. Stay informed on macroprudential restrictions, DTI ratios, and financial stability in Australia.