<p>澳大利亚联邦银行，作为该国最大的贷款机构，认为住房贷款的需求过高，并正在推动房价上涨，首席执行官马特·科敏周二表示。</p>
<p>科敏承认银行从住房信贷增长的激增中受益，但表示较低的水平对 “长期金融稳定、平等和进入住房市场” 会更好。</p>
<p>他在国会的委员会听证会上告诉立法者：“我们认为，住房信贷的可持续增长率应该略低于当前水平。”</p>
<p>“我认为这可能推动了一个高于政策制定者和监管机构最终可能会感到舒适的水平。”</p>
<p>“显然，住房信贷较高对我们作为一个机构是有利的。”</p>
<p>澳大利亚统计局的最新数据显示，第三季度新住房贷款承诺的总数比第二季度增长了 6.4%。</p>
<p>根据澳大利亚储备银行的数据，住房信贷的总增长已超过全球金融危机后的平均水平，主要是由于投资者信贷增长的增加，响应了较低的利率。</p>
<p>澳大利亚的贷款机构在过去一年也在扩大其抵押贷款业务，澳大利亚联邦银行领先，财年增长了 6%，达到了 6647 亿澳元（4310 亿美元），该财年于 6 月 30 日结束。其他银行报告的财年增长约为 5%，截至 9 月 30 日结束。</p>
<p>但科敏表示，住房需求可能会减弱，因为 “对利率不会很快降低的信心大大降低。”</p>
<p>他表示，银行预计现金利率在 2026 年之前 “更可能保持不变” 在 3.6%，因为通货膨胀过高。</p>

<p>澳大利亚联邦银行，作为该国最大的贷款机构，认为住房贷款的需求过高，推动了房价上涨。首席执行官马特·科曼表示，较低的住房信贷增长水平将有利于长期金融稳定。该银行从住房信贷增长的激增中受益，但需要一个更可持续的增长率。澳大利亚统计局报告称，第三季度新贷款承诺增长了 6.4%。科曼预计，由于高通胀，现金利率将在 2026 年之前保持在 3.6%</p>

<p>Commonwealth Bank of Australia , the country's largest lender, believes demand for home loans is too high and is helping to push property prices up, Chief Executive Matt Comyn said on Tuesday.</p>
<div class="lb-trans"><p>澳大利亚联邦银行，作为该国最大的贷款机构，认为住房贷款的需求过高，并正在推动房价上涨，首席执行官马特·科敏周二表示。</p>
</div><p>While admitting the bank benefitted from the surge in housing credit growth, Comyn said a lower level would be better for &#34;long-term financial stability, equality and access to the housing market.&#34;</p>
<div class="lb-trans"><p>科敏承认银行从住房信贷增长的激增中受益，但表示较低的水平对 “长期金融稳定、平等和进入住房市场” 会更好。</p>
</div><p>&#34;Our view would be that a more sustainable credit growth rate in housing would be slightly below the current level,&#34; he told lawmakers at a committee hearing in Parliament.</p>
<div class="lb-trans"><p>他在国会的委员会听证会上告诉立法者：“我们认为，住房信贷的可持续增长率应该略低于当前水平。”</p>
</div><p>&#34;I think that's probably pushing a higher level than perhaps policymakers and regulators might be ultimately comfortable with.&#34;</p>
<div class="lb-trans"><p>“我认为这可能推动了一个高于政策制定者和监管机构最终可能会感到舒适的水平。”</p>
</div><p>&#34;Obviously we benefit as an institution where housing credit is higher.&#34;</p>
<div class="lb-trans"><p>“显然，住房信贷较高对我们作为一个机构是有利的。”</p>
</div><p>The latest figures from the Australian Bureau of Statistics showed the total number of new loan commitments for dwellings rose 6.4% in the third quarter from the second quarter.</p>
<div class="lb-trans"><p>澳大利亚统计局的最新数据显示，第三季度新住房贷款承诺的总数比第二季度增长了 6.4%。</p>
</div><p>Total housing credit growth has risen above the post-global financial crisis average, largely driven by an increase in investor credit growth in response to lower interest rates, according to the Reserve Bank of Australia.</p>
<div class="lb-trans"><p>根据澳大利亚储备银行的数据，住房信贷的总增长已超过全球金融危机后的平均水平，主要是由于投资者信贷增长的增加，响应了较低的利率。</p>
</div><p>Australian lenders have also been expanding their mortgage books over the last year, led by CBA, with 6% growth to A$664.7 billion ($431 billion) in the financial year that ended on June 30. Other banks reported growth of about 5% for their financial years that ended on September 30.</p>
<div class="lb-trans"><p>澳大利亚的贷款机构在过去一年也在扩大其抵押贷款业务，澳大利亚联邦银行领先，财年增长了 6%，达到了 6647 亿澳元（4310 亿美元），该财年于 6 月 30 日结束。其他银行报告的财年增长约为 5%，截至 9 月 30 日结束。</p>
</div><p>But Comyn said demand for housing could moderate as there was &#34;much less confidence that rates will be reducing anytime soon.&#34;</p>
<div class="lb-trans"><p>但科敏表示，住房需求可能会减弱，因为 “对利率不会很快降低的信心大大降低。”</p>
</div><p>He said the bank expected that the cash rate would remain unchanged at 3.6% &#34;more likely than not&#34; through 2026 because inflation was too high.</p>
<div class="lb-trans"><p>他表示，银行预计现金利率在 2026 年之前 “更可能保持不变” 在 3.6%，因为通货膨胀过高。</p>
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澳大利亚最大的贷款机构联邦银行表示，住房贷款的需求过于旺盛