单亲父母或将成澳洲买房赢家？
Single Parents May Become The Winners Of Australian Home Purchaser？
从7月1日开始，澳洲的单亲父母可以只支付2％的首付购买房屋，而联邦政府将为剩余的18％提供担保，该计划被称为“家庭置业担保”。莫里森政府还将提供额外的1.247亿澳元资金，用于资助各州和领地，以增强公共住房存量。
由于政府的调查，澳洲单亲家庭相比买房更普遍愿意租房居住。此政策执行的主要目的其实更加偏向于澳洲政府希望帮助社会相对弱势的群体。其次，这也是政府用于缩短澳洲贫富差距，改善房屋的可负担性的一项政策。近期澳洲的房产价格突然大幅度上升，这使得房产的可负担性下降。富裕的人由于本身拥有很多房产导致其资产价值越来越高，而不富裕的人则越来越承担不起买房的金额。
From 1st July 2021, single parents with children can buy a house with only a 2% down payment, while the federal government will provide guarantees for the remaining 18% called"Family Home Guarantee."The Morrison government will also provide an additional $124.7 million to fund states and territories to strengthen the public housing stock.
Through the searches from the government,single parents generally prefer to rent a house than purchasing a house or an apartment.The main purpose of this policy is actually more biased towards the Australian government's hope to help the disadvantaged groups in society. Besides, this is also a policy used by the government to shorten the gap between the rich and the poor in Australia and improve the affordability of real estate. Recently, the price of real estate in Australia has risen sharply, which has made the affordability of real estate declined. The wealthy people own more real estate, and the value of their assets is getting higher and higher, while the less wealthy people are increasingly unable to afford the amount of money to buy a property.
那么都有哪些人可以有资格参加该计划呢？
第一，有孩子的单身父母的年收入不超过125,000澳元，其中不包括子女抚养福利，并且单身父母可以申请该政策直到其子女年满21岁。做为大前提，其子女在16-21岁之间的，必须是完全或基本依靠单亲父母，且子女的收入不到$ 6,403澳元。
第二个需要满足的条件是，该单身父母名下目前没有房产，但以前是否拥有过房产是不列为限制条件的，这一点和首次购房置业补贴是不同的。
对于房价要求，政府也是有一定的标准的。在新南威尔士州，单亲父母最多可以购买价值70万澳元的房产，而在其他州，他们可以购买最多45万澳元的房产。
Who can be eligible to participate in this guarantee?
First of all, single parents with children must have an annual income of no more than $125,000 excluding child support benefits, and single parents can apply for this policy until the children are the age of 21.As a prerequisite, the children at the age of 16 – 21 are completely or basically dependent on their single parents, and their income is less than $6,403.
Second of all, there is currently no property under the name of the single parents at present,but whether or not they have owned real estate before is not listed as a restriction, which is different from the First Home Owner’s Grant.
For housing price requirements, the government also has certain standards. In NSW, single parents will be able to buy up to $700,000 valued properties, while in other states, they can buy up to $450,000 valued properties.
虽然这是一项为民造福的政策，但它也有可能带来一些弊端。
第一点，申请此项政策的竞争性比较大。在持续四年的时间内，首批享受该政策的配额限制只为10,000人，但在澳洲的单亲家庭数量其实并不少。
第二点则是此项政策很有可能会造成在房地场市场中房屋需求的增加从而导致房屋价格的上涨。就像最近澳洲房价的突然增长与去年政府出台的一些房屋政策和补贴有关。
Although this is a policy for the benefit of the people, it may also bring some drawbacks.
Firstly，single parents applying for this policy are competitive.In the four-year period, the first batch of quotas is limited to 10,000 people. However, there are a large number of single-parent families in Australia.
Secondly, this policy may increase the demand for property in the market,which may increase the price of real estate, like some purchasing property policies and grants issued by the government last year.
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