Home 買い手s 直面する 料金s from 仲買人 支払う／賃金 move
Home 買い手s may have to 支払う／賃金 their bank a 料金 when they take out a 貸付金 as a move to a borrower-支払う／賃金s system 攻撃する，衝突するs mortgage 仲買人s.
The mortgage broking 産業 and the 政府 警告する banking 王室の commissioner Kenneth Hayne's 提案するd 精密検査する of the way 仲買人s are paid will 減ずる 競争 and 利益 the big banks.
Mortgage and 財政／金融 協会 of Australia CEO マイク Felton says the 推薦s are 効果的に a new multi-thousand-dollar 税金 on borrowing.
He says it would lead to 消費者s 砂漠ing 仲買人s, cutting 接近 to smaller 貸す人s and 運動ing 顧客s into the 支店s of major 貸す人s.
"This will 増加する bank 力／強力にする, and make getting 接近 to a home 貸付金 harder and more expensive for home 買い手s," Mr Felton said.
財政／金融 仲買人s 協会 of Australia managing director Peter White said there was 現在／一般に no 付加 cost to borrowers and changing to a 料金-for-service model would 損失 the 産業.
"All that will happen is you will destroy around 20,000 商売／仕事s in this country," Mr White said.
He said if a 使用者-支払う／賃金s model was 器具／実施するd, most borrowers would not 支払う／賃金 and banks would make more money.
Mr Hayne wants to move away from a system where 貸す人s 支払う／賃金 mortgage 仲買人s upfront and 追跡する or 現在進行中の （売買）手数料，委託（する）／委員会／権限s based on the value of 貸付金s, to 演説（する）／住所 the problem of people 存在 encouraged to borrow more money than they need.
He wants the borrower, not the 貸す人, to 支払う／賃金 the mortgage 仲買人 a 料金 with 貸す人s 最初 禁じるd from 支払う／賃金ing 追跡する （売買）手数料，委託（する）／委員会／権限s, which he called "money for nothing", on new 貸付金s and later from 支払う／賃金ing other （売買）手数料，委託（する）／委員会／権限s to 仲買人s.
Mr Hayne said it may be that to create a level playing field between banks and 仲買人s, banks should be 要求するd to 告発（する），告訴（する）／料金 a 料金 to direct 顧客s that is no more than the 付加 cost to the bank of making a 貸付金 without the 援助 of a 仲買人.
"If 仲買人s are to 告発（する），告訴（する）／料金 a 料金 for their services, then it may be necessary for the 目的s of 持続するing 競争, for banks also to be 要求するd to do so when 直接／まっすぐに 起こる／始まるing a 貸付金," his final 報告（する）／憶測 said.
"If only 仲買人s 結局最後にはーなる 非難する a 料金, 顧客s may 中止する to use their services, which would 除去する any 可能性のある 利益 that 仲買人s can have on 競争 in the 居住の mortgage market."
Both the 料金 告発（する），告訴（する）／料金d by the 仲買人 and by a bank should be able to be capitalised into the 貸付金, he said.
Mr Felton said the banks would be able to undercut the 仲買人 channel as their economies of 規模 would mean their costs were a lot lower.
Nearly 60 per cent of home 貸付金s in Australia are written through mortgage 仲買人s.
The 政府 計画（する）s to 禁止（する） 追跡する （売買）手数料，委託（する）／委員会／権限s on new 貸付金s from July 2020 but 請け負う a review in three years about the 関わりあい／含蓄s of 除去するing upfront （売買）手数料，委託（する）／委員会／権限s and moving to a borrower-支払う／賃金s remuneration structure.
