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Articles by Therese Wilson
Considering buying property off the plan? Here are 6 crucial steps to protect yourself
Buying property is the largest personal investment decision most Australians will ever make. With pricing for standalone houses rising dramatically in many capital cities, more people are looking to buy apartments. Buying an off the plan apartment can be one way to enter the property market. Buying off the plan means consumers commit to buying a property, at today’s prices, before it’s built. Settlement happens once construction is finished.
There's a bill before the Senate that would make it easier for banks to lend irresponsibly
The Hayne royal commission into misconduct in the banking, superannuation and financial services industry found Australia’s responsible lending requirements were correctly calibrated. They are set out in the National Consumer Credit Protection Act, which requires lenders to offer credit that is “not unsuitable” for the borrower. Hayne’s first recommendation (Recommendation 1.1) was that the National Consumer Credit Protection Act “not be amended to alter the obligation to assess unsuitability”.
Opinion: AU, like other schools, is not ready for in-person classes
American University has decided, with some ambiguity, to permit limited on-campus and in-person classes and activities for spring 2021. While this is no doubt miraculous to some for various reasons, the choice to allow in-person class meetings is dangerous and unsafe for our community. Until coronavirus infections and prevalence decrease, colleges and universities, including AU, need to remain online to protect their community members.
Public health education is more important now than ever
Public health has naturally become a hot-button issue during 2020, due to the ongoing novel coronavirus pandemic. A field that’s existed since people understood illness in any capacity, public health is one marked by creativity, quick turnaround, analysis and interpersonal skills. It undoubtedly requires a variety of perspectives to survive, both academic backgrounds and personal experiences. However, health is both highly technical and personal.
Banking royal commission: Lax lending by banks could see our debt problem come crashing down
Under the National Consumer Credit Protection Act 2009, credit providers are required to lend responsibly. This means that before lending, the credit provider must assess the suitability of a loan for a borrower, which involves an assessment of the borrower's capacity to repay the loan as well as an assessment of the extent to which the loan will meet the objectives and requirements of the borrower.
Australian bank customers need consumer protection regulation, not just competition
Is competition the answer to meeting consumer needs in relation to banking services? The draft report of the Productivity Commission into Competition in the Australian Financial System, released this week noted that competition in Australia is "constrained" when it comes to banking services, due to dominance by the four major banks. Under a system where it is made difficult for consumers to switch banks, they are described as "ripe for exploitation" in the report.
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