英央行着手限制住房贷款,严查借款人偿还力
关键词:英国央行
英国央行意图对住房市场采取降温措施,周四公布限制住房贷款,并加强核查借款人偿还抵押贷款的能力。英国金融政策委员会表示,从10月起,贷款/收入比不得超过4.5倍,将适用于85%的总体新增房屋贷款。
央行总裁卡尼表示,央行管控抵押贷款的新措施“不太可能”对货币政策构成影响,目前预计升息将幅度有限和逐步进行。但他指出,如果最新的抵押贷款降温措施效果不彰,央行仍有各种额外工具可以控制房市;这些额外工具有可能包括对放贷机构制定一个行业资本缓冲规定,同时如果宏观审慎工具没有效果,央行最终可以动用货币政策。
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本文来源: 大田环球贵金属
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