现金利率的目标通常是如何表达货币政策决策。 截至2017年10月4日，现金利率目标为1.50％。从现在的1.50％降低现金利率迄今尚未尝试，因为这将导致更多的家庭借款，并且中期经济风险将增加。 从美国房地产泡沫中吸取的经济衰退教训使得像澳大利亚这样的国家非常谨慎地使用家庭资产负债表来关注其风险。 截至2017年9月，家庭资产负债表已经显得过于紧张，并且存在与此相关的一些中期风险。 需要将现金利率从2011年左右的大约3.25点下调至创造通货膨胀所必需的水平。 这是遏制房价飙升的必要条件。 多年来，这造成了家庭借贷增加至少6.5％但国内收入并未改善的国内形势。
A target for cash rate is usually how monetary policy decision would be expressed. The target for cash rate is 1.50 % as of 4th October 2017. Lowering of the cash rate from this 1.50 % has not been attempted as of now because it would lead to more household borrowing, and medium-term risks to economy would increase. Economic recession lessons learnt from the housing bubble in the United States makes countries like Australia watch their risks with household balance sheets very carefully. As of September 2017, the household balance sheets already looked stressed and have some medium-term risks associated with it. Cutting the cash rate from its value around 2011 by around 3.25 points was necessary to create inflation. This was necessary to contain soaring house prices during the time. Over the years, this has created a domestic situation where household borrowing has increased by at least 6.5 percent but domestic income has not improved.