Statement by Philip Lowe, Governor: Monetary Policy Decision

maybe never increase rate in future.

if they not doing so is gonna be Housing Bubble

are you sure housing bubble? building approval data today showed -19.4%.
i think australia economy is declined of each year, not growing significantly.

i maybe wrong, but data displayed shows actual looked like not manipulated.

Is the loan interest rate is so low that taking loan and buying bond will actually gives us some yield?

Demand for housing has increased substantially. For whatever reasons, maybe that banks are falling over themselves to gift everyone with loans.

The stock of houses are being more tightly held than previously.

That new construction is flat is not surprising given practical circumstances of the last 12 months. Also, people are not working if they are paid to stay at home in Australia (complicated).

If you can lock in the short term rate for the duration of the term of maturity of the bond. Good luck with that.

"Lending rates for most borrowers are at record lows and housing prices across Australia have increased recently. Housing credit growth to owner-occupiers has picked up, but investor and business credit growth remain weak. Lending standards remain sound and it is important that they remain so in an environment of rising housing prices and low interest rates."

Because of low interest rate, that may result in high housing demand, so low housing approval is a good option to curb housing price, instead of raising interest rate to curb housing price, while they wait for inflation rate to hit expected target before tightening their monetary policy. Therefore low approving housing data doesn't necessary mean no demand.