http://au.biz.yahoo.com/100705/2/2e3h9.html
First home buyer affordability worsens
Tuesday July 6, 2010, 11:21 am
Housing affordability has worsened during the past year, with first-home buyers needing to save 10 per cent more for a deposit, a report shows.
Australian couples need to raise $85,800 deposit for a median-priced house, compared with $78,100 a year earlier, the Bankwest analysis showed.
It was now taking 4.5 years to save for a 20 per cent house deposit, up from 3.7 years in the previous annual report.
The situation was worse in more expensive parts of Sydney, Melbourne and Perth, with buyers needing to spend a decade saving up for a deposit to enter the property market in 26 local government areas.
Saving for a median-priced unit was marginally less daunting, with first-home buyers needing to find $76,900 for a deposit - a four-year task.
Bankwest Retail chief executive Vittoria Shortt said a growing army of first home buyers were being locked out as established property owners benefited.
"This is the stark reality of a strong Australian property sector," she said.
Still, home borrowers are likely to have some relief on Tuesday.
The Reserve Bank of Australia is widely tipped to leave interest rates on hold at 4.5 per cent as it focuses on Europe's debt worries instead of domestic inflation
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购房首付款在去年一年中不断升高。有资料显示首次购房者需要比去年同期多存百分之十的存款做为购房首付款。
西部银行的分析数据显示，如果澳大利亚一对夫妻要购买一处中等价格的别墅，需要筹集八万五千八百元的存款。而去年同期只要七万八千一百元。
同时资料还显示，筹集到百分之二十的首付需要四年半的时间，而去年的报告显示需要三点七年。
在悉尼，墨尔本和珀斯一些房价较贵的地区情况变得更为严重。在这些地区需要花上十几年的时间来筹集购房首付款。
如果购买单元房的话，情况稍微好一些。首次购房者需要花费七万六千九百元就可以买到一处中间价位的单元房，而积攒这些钱需要四年的时间。
西部银行零售部执行官维多利亚.史特女士说当房屋所有者从房产市场受益的时候，初次购房者就会被排除在房产市场之外。
她说：“这在澳洲坚挺的房产市场是个无法回避的现实。”
但是租房者也许可以松口气了。因为澳洲央行极有可能维持现有的四点五的基准利率不变。央行的这一决定表示了对欧洲债务危机的担忧大于对本国通货膨胀的担忧。
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