澳大利亚在2026年2月将高风险住房贷款限制在上限,以减少金融风险。 Australia to cap high-risk home loans in Feb 2026 to reduce financial risks.

从2026年2月开始,澳大利亚的银行监管机构(APRA)将为债务超过年收入六倍的借款人设定高额债务对收入家庭贷款上限,即贷款人资本的20%,同时以业主和投资者为对象。 Starting in February 2026, Australia’s banking regulator APRA will cap high debt-to-income home loans at 20% of lenders’ capital for borrowers with debt exceeding six times their annual income, targeting both owner-occupiers and investors. 这一举措旨在降低家庭债务上升造成的金融风险,并在利率下降时降低风险贷款,尽管目前的借贷标准保持稳定。 The move aims to reduce financial risks from rising household debt and riskier lending as interest rates fall, though current lending standards remain stable. 非洲同侪审议机构警告说,风险在低利率环境中可能迅速升级,必要时还可能采取进一步的措施,包括针对投资者的限制。 APRA warns risks could escalate quickly in a low-rate environment and may introduce further measures, including investor-specific limits, if needed. 联邦财务主任吉姆·查默斯(Jim Chalmers)称之为谨慎规则,而格林斯参议员芭芭拉·波科克(Barbara Pocock)则敦促对投资者贷款采取更强有力的行动,反对派领导人则将这一改变与政府的首家买主存款计划联系起来。 Federal Treasurer Jim Chalmers called the rule prudent, while Greens senator Barbara Pocock urged stronger action on investor lending, and opposition leaders linked the change to the government’s first-home buyer deposit scheme.