Bank boss says renters 強化するing their belts the most
Renters are hitching their belts even tighter than mortgage 支えるもの／所有者s as rising prices erode their 貯金 capacity.
連邦／共和国 Bank data 示唆するs those 老年の between 25 and 29, who are likely 直面するing sharp 賃貸しの 増加するs, are pulling 支援する on spending more than any other group.
Young renters are also likely to be saving いっそう少なく than normal as high costs for food, energy and rent 限界 the 量 they can squirrel away.
前線ing a 議会の 委員会 on Thursday, the leadership team of Australia's biggest bank 輪郭（を描く）d how different cohorts are 答える／応じるing to higher 利益／興味 率s and cost of living 圧力s.
CBA 長，指導者 (n)役員／(a)執行力のある Matt Comyn echoed his 相当するものs from Westpac, ANZ and NAB who said the number of 世帯s failing to make their 返済 on time was still very low by historical 基準s.
But he said it was （疑いを）晴らす many 世帯s were under 圧力, pulling 支援する on discretionary spending and dipping into their 貯金.
While renters are 傷つけるing most, young home owners are also 苦しむing, with one-third who bought during the pandemic 減ずるing their spending more than 30 per cent year-on-year.
Those who own homes 完全な, older Australians, were 記録，記録的な／記録するing the least 財政上の 緊張する, the CBA boss said.
にもかかわらず a （疑いを）晴らす 悪化／低下 in 財政上の circumstances for 顧客s, Mr Comyn said the strong 労働 market meant most were in a position to 会合，会う their mortgage 返済s.
"The 雇用 market remains very strong and the 広大な 大多数, almost all of our 顧客s, continue to work," he said.
Westpac 長，指導者 (n)役員／(a)執行力のある Peter King also 報告（する）／憶測d resilience across most of its 消費者 and 商売／仕事 顧客s.
"We recognise it will get harder from here and encourage 顧客s to call us 早期に if they need help," he said in an 開始 声明.
The Big Four banks 支配（する）／統制する about 80 per cent of the Australian market but Mr King said the major players were losing 顧客s to smaller competitors.
He said refinancing was at its highest point in 20 years and 17 per cent of Australians switched banks last year.
"It's the most 競争の激しい I've seen in my 30 years in banking."
On 強調する／ストレス-実験（する）ing borrowers, Mr Comyn said CBA was 申し込む／申し出ing a lower serviceability 衝撃を和らげるもの of one per cent to a small 割合 of 貸付金s under a "very 限られた／立憲的な 始める，決める of circumstances".
"We've recently 可決する・採択するd that and we're comfortable with that," he said.
"And we're not seeing that having a 重要な 影響 ーに関して／ーの点でs of 衝撃 to 顧客s."
緩和 lending 必要物／必要条件s has been up for discussion in the 状況 of mortgage 支えるもの／所有者s finding themselves unable to 会合，会う 強調する／ストレス-実験（する）ing 必要物／必要条件s to refinance to a better 取引，協定.
Mr Comyn said the three per cent serviceability 衝撃を和らげるもの, in general, remained "完全に reasonable" given the levels of 不確定 across the 産業 at the moment.
