澳大利亚越来越多小型贷款机构开始提供40年期房贷产品，将传统30年贷款期限延长10年[1]。AMP银行最近推出了这一产品，此前已有Credit Union SA、Unity Bank、Great Southern Bank、RACQ Bank、Bank of Us、Liberty和Pepper Money等机构提供相关服务[1]。
根据Canstar的分析，这一产品的吸引力与风险并存[1]。在60万澳元房贷上，延长至40年期可使月供减少约288澳元，但贷款期间总利息成本将增加约27.5万澳元[1]。去年Finder的调查显示，30%的澳大利亚人如果能降低月供，会考虑申请40年房贷[1]。
专家对这类产品提出警告[1]。Canstar分析师Sally Tindall表示："如果你在30年内难以还清债务，那值得思考一下，你想借的金额是否超出了你的财务能力"[1]。澳大利亚审慎监管局（APRA）认为此类产品风险较高，对超长期贷款施加了更严格的审查[1]。借款人可能面临再融资困难和利率竞争力不足等风险，导致被困在难以转贷的贷款中[1]。
A growing number of smaller lenders across Australia have begun offering 40-year home loan products, extending borrowing periods by a decade beyond the traditional 30-year standard.[1] Banks and financial institutions now providing this option include AMP, Credit Union SA, Unity Bank, Great Southern Bank, RACQ Bank, Bank of Us, Liberty, and Pepper Money.[1]
While the extended loan term offers immediate relief on monthly payments, the long-term financial burden is substantial. According to analysis by Canstar, a borrower taking out a 600,000 Australian dollar loan would reduce monthly repayments by approximately 288 dollars by extending to 40 years rather than 30 years, yet would pay an additional 275,000 dollars in total interest over the life of the loan.[1] A Finder survey conducted last year found that 30 percent of Australians would consider applying for a 40-year mortgage if it meant lowering their monthly payment.[1]
Financial experts caution against these products, pointing to serious risks including difficulty refinancing and limited competitive interest rates that could trap borrowers in unfavorable lending arrangements.[1] Sally Tindall has remarked that borrowers struggling to repay debt within 30 years should reconsider whether the loan amount exceeds their actual financial capacity.[1] The Australian Prudential Regulation Authority (APRA) has classified these products as higher risk and imposed stricter scrutiny on ultra-long-term lending arrangements.[1]