八月份澳人新借贷了77亿澳元买房子
澳洲人新借贷的房屋贷款数额增长速度，创下三年半来最快的一个月。
这个最新的数据从侧面也证明了澳洲央行上周的言论，房屋贷款太多，已经失去平衡。
这也导致了澳洲央行上周公开呼吁，澳洲商业银行要收紧给投资者们的房屋贷款。
这个最新的数据也鼓励央行要采用“宏观审慎”工具 - 规则和条例来管理房屋贷款，而不仅仅是利率的升降来控制贷款。
以防止险的繁荣/萧条房地产周期出现。
在今年七到八月间，澳洲人的房屋债务增加0.6%，至77亿澳元。
这导致澳洲年度房屋新贷款增长率从6.5%增加到6.7%。
这是2011年来增长速度最快的一次。
贷款购房上涨0.4%，即37亿澳元，全年达到9188亿澳元。
住房投资者所欠债务总额增长速度飙升两倍，在今年八月份增加0.8%，即37亿澳元，全年达到4171亿澳元。
在过去6个月的房贷增长速度，按年度计算是9.9%，是2007年全球金融危机以来增长速度最快的半年。
如果这个按照这个增长速度， 到明年10月，澳洲总的住房信贷将增加另外1130亿澳元，总数达到1.5万亿澳元。
澳洲央行周二公布的房贷数额还不包括哪些在海外借贷了钱，然后在澳洲购买房子的投资者们。
THE amount Australians owe on their mortgages has notched up its fastest annual growth for three and half years.
THE figures add weight to the comment by the RBA in its Financial Stability Review last week that housing credit has become "unbalanced".
And they will encourage calls for the RBA to use "macroprudential" tools - rules and regulations - rather than just interest rates to rein in lending and prevent a dangerous boom/bust cycle in the housing market.
Housing debt rose by $7.7 billion or 0.6 per cent, between July and August.
That lifted annual growth from 6.5 per cent to 6.7 per cent, its fastest rise since early 2011.
Loans to home buyers rose 0.4 per cent, or $3.7 billion, to $918.8 billion.
But the value of debts owed by housing investors surged at twice that rate in August, lifting by 0.8 per cent, or $3.7 billion, to $417.1 billion.
The rise in the six months to August, 9.9 per cent on an annualised basis, was the fastest since 2007 before the global crisis bit into banks' ability to lend.
If growth continues at its August pace, total housing credit will rise by another $113 billion to reach $1.5 trillion around October next year.
The figures from the RBA on Tuesday don't include cross-border lending, such as loans made by the offshore branches of Australian banks to buy properties in Australia.
Other measures of credit in the RBA's figures were more subdued.
Credit to businesses, aside from residential property loans, was unchanged in August with annual growth of 3.2 per cent barely beating consumer prices.
And other lending to households, which includes loans to buy shares as well as traditional consumer spending, was up only 0.2 per cent, with annual growth at 1.1 per cent.
