Severe new loan app restrictions apply today in 2022. If you're applying for a new loan, the amount that you can borrow is now limited. New news today, shows the banks are restricting the amount new loan apps can borrow, in 2022.

Chapters
0:00 You are trying to borrow too much!
0:10 Who is APRA?
0:22 Is the amount Australians borrowing risky?
0:32 New loan app in 2022. How it works.
0:45 DTI: debt-to-income ratio
1:10 New app example
1:20 What is a good DTI?
1:30 APRAs changes affects banks today in 2022
1:40 APRA lowers debit-to-income ratio
1:53 Median income in Australia
2:03 How much can I borrow?
2:15 How much less can I now borrow?
2:30 Two Australian banks risky lending practices
2:45 ANZ restricts new mortgage applications
3:09 NAB reduces borrowing amounts
3:19 Video on how to save for a deposit on a house
3:29 What is a risky DTI ratio?
3:35 Risky loan application
3:52 Low risk mortgage amount
4:10 Are risky loans common in Australia?
4:31 Australian banks are too risky
4:47 Your app might be risky
5:01 APRA watching loan risks
5:15 Which banks are risky?
5:50 Westpac and CBA policies on high debt loans
6:00 ANZ and NAB restrict loans
6:10 How Westpac treats high-risk loans
6:31 Interest rate rise stress test
6:50 Raise in interest rate stress test
7:19 Which loan risk factors are more of a concern?
7:42 Is there a mortgage default crisis in Australia?
7:58 APRA is not concerned about mortgage defaults
8:09 Are you under severe financial stress?
8:21 Higher inflation
8:34 Housing prices will fall?
8:53 What is negative equity?
9:07 Loan foreclosure
9:18 Loans with small deposits at risk
9:29 20% deposit on a house
9:40 House prices falling
9:50 Mortgage insurance on small deposits
10:18 What will happen with loans?
10:28 Downward pressure on housing prices
10:38 Credit cards affect your borrowing limit
10:52 Example of how a credit card affects your borrowing limit
11:29 What should I do today?
11:40 The bank will consider your application risky
11:55 Buy a cheaper house
12:10 Get rid of your credit cards
12:20 Struggling to repay your loan

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