Jonathan Mott’s six ideas for how first home buyers could better access credit are not perfect, but they deserve attention from politicians and regulators.
Macquarie strategist Viktor Shvets has distilled the challenges facing the United States ahead of the November presidential election with masterful simplicity:
Commonwealth Bank data suggests the borrowing capacity of owner-occupiers has fallen 40 per cent since 2017, and there are twice as many loans being written for households with incomes over $200,000 as there are loans for households with incomes below $100,000.said last year: “If you want a loan, you have to be better off, and essentially rich. There’s big social consequences and political consequences.
He acknowledges a danger that future governments might start to see adjustment to lending risk weights as a way to force other societal changes, although the semi-regular changes to risk weight regimes – four over the last 35 years – suggest this horse may have bolted. The main wrinkle is that this does nothing for housing supply, and also involves making broad-brush assumptions about the links between education and income. But this is surely an idea that deserves further study.
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