在本週二新西蘭央行宣佈了住房貸款的新改革，主要目的是減少新西蘭的房地產市場違約風險。
新西蘭央行週二宣佈對高負債借款者的住房貸款額度進行限制。此舉旨在減少新西蘭房地產市場的違約風險，該市場的價格波動較大。
新規將於7月1日起生效，適用於自住和投資房產的新貸款，央行在聲明中表示。
與此同時，新西蘭央行還將放寬貸款價值比（LVR）限制，該限制規定銀行只能發放有限的低首付貸款。
新西蘭央行副行長克里斯蒂安·霍克斯比表示，有了債務收入比（DTI）和貸款價值比（LVR）這兩項限制，可以更好地針對相關風險，同時實現相同或更好的金融系統穩定性。
Westpac經濟學家指出，此舉早已向市場預告，對貨幣政策沒有影響。
然而，Westpac指出，不同地區房價收入比的差異可能會導致投資者行爲的變化。
"由於全國各地房價相對於收入的水平差異顯著，一旦DTI在高房價地區生效，可能會促使高收入地區的投資者轉向低房價地區進行投資，"該報告指出。
新的DTI設置允許銀行將其20%的貸款組合用於債務收入比超過6的自住借款人。
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