澳大利亚将高风险住房贷款上限定为2026年新贷款的20%。 Australia to cap high-risk home loans at 20% of new lending in 2026.

2026年2月, 澳大利亚监管者APRA将实施新规则, 限制银行发行不超过20%的新房贷, Australia’s regulator, APRA, will implement new rules in February 2026 limiting banks to issuing no more than 20% of new home loans with a debt-to-income ratio of six or higher, split between owner-occupiers and investors. 这一行动的目的是遏制风险贷款和减少住房市场的不稳定性,尽管目前的高发展贸易倡议贷款数额很低,这意味着短期内上限不大可能限制借贷。 The move aims to curb risky lending and reduce housing market instability, though current high-DTI lending is low, meaning the cap is unlikely to restrict borrowing in the near term. 批评者说,这项规则是象征性的,而不是有效的,提供了“绿灯”,而不是真正抑制投机。 Critics say the rule is more symbolic than effective, offering a "green light" rather than a real brake on speculation. 该政策排除了过渡贷款和建筑贷款,并不影响现有的借款人。 The policy excludes bridging and construction loans and does not affect existing borrowers. 虽然旨在提高金融复原力,但一些专家警告说,这可能会降低住房的流动性和可负担性,特别是对低收入买家而言。 While intended to improve financial resilience, some experts warn it may reduce housing mobility and affordability, especially for low-income buyers.