Starting 1 February 2026, APRA will limit high debt-to-income (DTI) loans—those exceeding six times income—to 20% of new lending. This guide explains how this "lender allocation limit" affects property investors and outlines strategies for income structuring and entity planning to secure finance.

自2026年2月1日起，APRA将把高债务收入比（DTI ≥ 6倍）的贷款限制在新增贷款的20%以内 。本文解析这一“配额限制”对房产投资者的影响，并提供优化收入架构与信托规划的应对策略，助您顺利获批 。