Australia Rate Cuts May Not Accelerate Housing Credit -- Market Talk

Dow Jones

2025/03/06

0030 GMT - Macquarie analysts see reasons not to assume that lower Australian interest rates accelerate the country's housing market and housing credit growth. Rate cuts have historically led to such a scenario, but they warn in a note that what is likely to be a modest easing cycle and stretched affordability could lead to smaller benefits this time around. They also think that accelerated amortization could drag credit growth. On the flip side, they observe that existing borrowers may choose to reduce their repayments due to cost-of-living pressures, which would help lenders' credit growth. (stuart.condie@wsj.com)

(END) Dow Jones Newswires

March 05, 2025 19:30 ET (00:30 GMT)

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Rate cuts have historically led to such a scenario, but they warn in a note that what is likely to be a modest easing cycle and stretched affordability could lead to smaller benefits this time around. They also think that accelerated amortization could drag credit growth. On the flip side, they observe that existing borrowers may choose to reduce their repayments due to cost-of-living pressures, which would help lenders' credit growth. (stuart.condie@wsj.com) \n</p>\n<pre>\n \n</pre>\n<p>\n  (END) Dow Jones Newswires\n</p>\n<p>\n  March 05, 2025 19:30 ET (00:30 GMT)\n</p>\n<p>\n  Copyright (c) 2025 Dow Jones &amp; Company, Inc.\n</p>\n</font>","source":null,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Australia Rate Cuts May Not Accelerate Housing Credit -- Market Talk</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nAustralia Rate Cuts May Not Accelerate Housing Credit -- Market Talk\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2025-03-06 08:30</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<font class=\"NormalMinus1\" face=\"Arial\">\n<p>\n     0030 GMT - <a href=\"https://laohu8.com/S/MQG.AU\">Macquarie</a> analysts see reasons not to assume that lower Australian interest rates accelerate the country's housing market and housing credit growth. Rate cuts have historically led to such a scenario, but they warn in a note that what is likely to be a modest easing cycle and stretched affordability could lead to smaller benefits this time around. They also think that accelerated amortization could drag credit growth. On the flip side, they observe that existing borrowers may choose to reduce their repayments due to cost-of-living pressures, which would help lenders' credit growth. (stuart.condie@wsj.com) \n</p>\n<pre>\n \n</pre>\n<p>\n  (END) Dow Jones Newswires\n</p>\n<p>\n  March 05, 2025 19:30 ET (00:30 GMT)\n</p>\n<p>\n  Copyright (c) 2025 Dow Jones &amp; Company, Inc.\n</p>\n</font>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"MQG.AU","symbol_name":"Macquarie","start_time":0,"source_url":"https://dowjonesnews.com/newdjn/logon.aspx?AL=N","article_id":"2517979303","we_media_id":"106","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2517979303","pubTimestamp":1741221000,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Dow Jones","introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"summary":"0030 GMT - Macquarie analysts see reasons not to assume that lower Australian interest rates accelerate the country's housing market and housing credit growth. Rate cuts have historically led to such a scenario, but they warn in a note that what is likely to be a modest easing cycle and stretched affordability could lead to smaller benefits this time around. They also think that accelerated amortization could drag credit growth. On the flip side, they observe that existing borrowers may choose to reduce their repayments due to cost-of-living pressures, which would help lenders' credit growth. ","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{"MQG.AU":"Macquarie","MQBKY":"Macquarie Group, Ltd.","BK7511":"ESG概念","BK4118":"综合性资本市场","AAQC":"Accelerate Acquisition Corp","BK7046":"综合性资本市场"},"translate_title":"澳大利亚降息可能不会加速住房信贷——市场讨论","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"AAQC":1,"MQG.AU":0.9,"MQBKY":0.9},"content_text":"0030 GMT - Macquarie analysts see reasons not to assume that lower Australian interest rates accelerate the country's housing market and housing credit growth. Rate cuts have historically led to such a scenario, but they warn in a note that what is likely to be a modest easing cycle and stretched affordability could lead to smaller benefits this time around. They also think that accelerated amortization could drag credit growth. On the flip side, they observe that existing borrowers may choose to reduce their repayments due to cost-of-living pressures, which would help lenders' credit growth. (stuart.condie@wsj.com) \n\n\n \n\n\n  (END) Dow Jones Newswires\n\n\n  March 05, 2025 19:30 ET (00:30 GMT)\n\n\n  Copyright (c) 2025 Dow Jones & Company, Inc.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":true,"code":"91000000","status":"200"}}}