首付$1万就能买房！澳洲购房政策重大调整，维州率先实施！

    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">澳洲购房政策重大调整，</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><strong style="color: blue;"><span style="color: green;">首付比例大幅下降，</span></strong></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><strong style="color: blue;"><span style="color: green;">只需$1万就可买房！</span></strong></span></p>
    <div style="text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-axegupay5k/4df1b9a4989e4aa78ab6c3254f176a10~noop.image?_iz=58558&amp;from=article.pc_detail&amp;lk3s=953192f4&amp;x-expires=1718175731&amp;x-signature=xp8Q8X7cIJcifL426J774dYtU5Y%3D" style="width: 100%; margin-bottom: 20px;"></div>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">新维昆三州率先实施，</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">后续将逐步推广开来。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">安居乐业，</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">始终是人们的追求。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><strong style="color: blue;"><span style="color: green;">然而澳洲房价飙涨，</span></strong></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><strong style="color: blue;"><span style="color: green;">却打碎了这一“伟大澳洲梦”。</span></strong></span></p>
    <div style="text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/f56bbaab56a44f03a1f3b4489d15971e~noop.image?_iz=58558&amp;from=article.pc_detail&amp;lk3s=953192f4&amp;x-expires=1718175731&amp;x-signature=Ozw2t9Ov%2BEZuO0OM3l7meGjspQE%3D" style="width: 100%; margin-bottom: 20px;"></div>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">除了房价之外，</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">物价成本高昂，</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">澳人处境艰难！</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">总理艾博年正面回应，</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">称“我感同身受”...</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">01</span></span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">$1万首付就可买房，新维昆三州率先实施</span></span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">准备买房的注意了，澳洲购房政策重大调整，首付比例大幅下降，只需$1万就可买房！</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">《澳洲金融评论报》报道称，</span><strong style="color: blue;"><span style="color: green;">联邦银行将允许期房购买者仅支付1万澳元的首付，剩余部分将由房地产技术平台Coposit担保。</span></strong></span></p>
    <div style="text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/f388e17f3dad4668b9c05c57d17a44eb~noop.image?_iz=58558&amp;from=article.pc_detail&amp;lk3s=953192f4&amp;x-expires=1718175731&amp;x-signature=KNWdKmAvzhx9S6Cyj%2B6qcgIgbzc%3D" style="width: 100%; margin-bottom: 20px;"></div>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">此举将使得更多有意购房者进入市场，同样也会让开发商更容易获得开工建设所需的融资。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">该计划出台之际正值期房项目难以启动，因为贷款机构避开了针对首次购房者的住宅项目，而将重点放在了利润率更高的豪华开发项目上。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">CBRE去年的一项调查显示，在某些情况下，贷款机构要求开发商的期房项目必须通过预售获得80%以上的资金，才发放贷款。</span></span></p>
    <div style="text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/24799d78ca2946318287b18413c9f75e~noop.image?_iz=58558&amp;from=article.pc_detail&amp;lk3s=953192f4&amp;x-expires=1718175731&amp;x-signature=%2FvBg72nhNRUcLrbb7KUelYDDVw4%3D" style="width: 100%; margin-bottom: 20px;"></div>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">联邦银行商业银行业务主管Mike Vacy-Lyle表示，</span><strong style="color: blue;"><span style="color: green;">这一举措将使购房者更容易购买首套住房，同时确保住房开发不会因建筑融资困难而推迟。</span></strong></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">“住房负担能力和供应不足是澳洲房地产行业最紧迫的问题之一。该计划将为房地产开发商带来更大的确定性，同时增加市场的供应。”</span></span></p>
    <div style="text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/d2b64fdbe3354ad4bfdd232a7a3d02e8~noop.image?_iz=58558&amp;from=article.pc_detail&amp;lk3s=953192f4&amp;x-expires=1718175731&amp;x-signature=MUbxr7XQtqPgMQfZSfFmbyDaoxs%3D" style="width: 100%; margin-bottom: 20px;"></div>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">（图片来源：《澳洲金融评论报》）</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><strong style="color: blue;"><span style="color: green;">该项目于周三正式启动，最初将适用于已与Coposit平台签约的65个期房项目，包括来自Mulpha、Lewis Land和Hirsch&amp;Faigen的项目。</span></strong></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">到目前为止，</span><strong style="color: blue;"><span style="color: green;">这些期房项目仅位于新州、昆州和维州，但Coposit计划明年初将该计划扩展到西澳。</span></strong></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">根据CBA-Coposit计划，</span><strong style="color: blue;"><span style="color: green;">买家只需支付10%首付中的1万澳元，就能购买一套期房。</span></strong></span></p>
    <div style="text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/7fd443d126f5417ea647257e565c03c8~noop.image?_iz=58558&amp;from=article.pc_detail&amp;lk3s=953192f4&amp;x-expires=1718175731&amp;x-signature=%2FbtKDg5J0QUgVuk0PKsaW6ucdxs%3D" style="width: 100%; margin-bottom: 20px;"></div>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">随后，买家需要在施工阶段每周以无息的方式支付剩余首付，项目完工后再进入传统的抵押贷款阶段。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">02</span></span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">收入完全追不上房价，澳洲打工人选择“躺平”</span></span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">安居乐业，始终是人们的追求。然而澳洲房价飙涨，却打碎了这一“伟大澳洲梦”。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">《悉尼晨锋报》5月24日报道，</span><strong style="color: blue;"><span style="color: green;">澳洲房价飙升几乎扼杀了民众对于“伟大澳洲梦”的信心，因为一般收入者越来越无力购买住宅。</span></strong></span></p>
    <div style="text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/43d694f6622e4cda9d405c24881c2dba~noop.image?_iz=58558&amp;from=article.pc_detail&amp;lk3s=953192f4&amp;x-expires=1718175731&amp;x-signature=RWnfBIf%2Ba7J5xiO2JZWepl72Dm0%3D" style="width: 100%; margin-bottom: 20px;"></div>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">由于房价远远超出了负担能力，甚至连投资银行家都呼吁进行租赁改革，以支持不断增长的长期租户。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">Canstar的模型显示，</span><strong style="color: blue;"><span style="color: green;">如果一个家庭的一方收入达到平均水平，另一方每周工作一半时间，那么这个家庭可以借到足够的钱，来购买价值756250澳元的住房。</span></strong></span></p>
    <div style="text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/c3d7d24bbb6a45d7ac4d561a83e40f0e~noop.image?_iz=58558&amp;from=article.pc_detail&amp;lk3s=953192f4&amp;x-expires=1718175731&amp;x-signature=4oycJsDtCPIdA08Fhcj9RO0za1k%3D" style="width: 100%; margin-bottom: 20px;"></div>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">但前提是他们存够了151250澳元的首付，以及包括印花税在内的交易费用。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">除霍巴特和达尔文外，这样的预算在任何首府城市都买不起普通住宅。</span></span></p>
    <div style="text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/7fa4b31e15f4452c9e8325b0eed4530e~noop.image?_iz=58558&amp;from=article.pc_detail&amp;lk3s=953192f4&amp;x-expires=1718175731&amp;x-signature=sjOCfuSvRXmSG4T%2FZuej%2BtW868o%3D" style="width: 100%; margin-bottom: 20px;"></div>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">如果双方都从事全职工作，并能攒下21.5万澳元的首付，他们的预算将达到107.5万澳元。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">这个预算在大多数城市刚好够支付中位房价，除了悉尼，那里的房价还要高出50万澳元。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">对于希望购买一套单元房的单身打工人来说，他们的预算将是46.5万澳元。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">但除珀斯和达尔文外，这样的预算不足以支付其他首府城市中位房价的住房。</span></span></p>
    <div style="text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/9aa1cf5470e14693868e44fcd6716431~noop.image?_iz=58558&amp;from=article.pc_detail&amp;lk3s=953192f4&amp;x-expires=1718175731&amp;x-signature=15x7lSpjhU2TZz5OvYGqbQiJCzw%3D" style="width: 100%; margin-bottom: 20px;"></div>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">（图片来源：《悉尼晨锋报》）</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">一些人选择“躺平”，</span><strong style="color: blue;"><span style="color: green;">搬到了更远的地方，或者选择公寓而不是独栋屋。</span></strong></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">AMP首席经济学家Shane Oliver表示，</span><strong style="color: blue;"><span style="color: green;">普通家庭很难购买住房。</span></strong></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">一些购房者为了能够买到房子，正在搬离悉尼和墨尔本，去到布里斯班或珀斯。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">03</span></span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;"><span style="color: green;">物价飞涨，澳人处境艰难！艾博年：我感同身受</span></span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">除了房价之外，物价成本高昂，澳人处境艰难！</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">《悉尼晨锋报》报道称，</span><strong style="color: blue;"><span style="color: green;">澳洲总理Anthony Albanese表示，自己对于当前的生活成本危机感同身受。</span></strong></span></p>
    <div style="text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/e3d20a7822964a7c8640e6a189c008fd~noop.image?_iz=58558&amp;from=article.pc_detail&amp;lk3s=953192f4&amp;x-expires=1718175731&amp;x-signature=rVWIU0D%2FuILnASLKQhyyRTkOiXs%3D" style="width: 100%; margin-bottom: 20px;"></div>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">Albanese在周五发表讲话时称，自己知道“目前仍有一些人处境艰难”，并承认选民们的痛苦和不满。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">但他同时表示，</span><strong style="color: blue;"><span style="color: green;">澳洲面临的挑战太过紧迫，无法改变方向。</span></strong></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">新的Resolve Political Monitor民调显示，选民们对于澳洲当前的状况并不满意。</span></span></p>
    <div style="text-align: left; margin-bottom: 10px;"><img src="https://p6-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/6822b543c70e44be97135a142e219ee1~noop.image?_iz=58558&amp;from=article.pc_detail&amp;lk3s=953192f4&amp;x-expires=1718175731&amp;x-signature=AaCeoeWr86QuwCW1Fj40%2BTRPp5M%3D" style="width: 100%; margin-bottom: 20px;"></div>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">（图片来源：《悉尼晨锋报》）</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">Albanese将生活成本上涨</span><strong style="color: blue;"><span style="color: green;">归咎于疫情对经济的冲击和余波、地缘冲突以及“半个世纪以来最严重的国际能源危机”。</span></strong></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">总理表示，“对于我们经常从反对党那里看到的肤浅和混乱的策略来说，现在的风险太高了”。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">“我们面临的挑战太紧迫了，不能再退回到否认和拖延的状态。我们共同取得的进步太重要了，不能再回到恐惧和分裂中去。”</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">“我们面前的机会很大，容不下心胸狭窄的消极情绪。澳洲人工作非常努力，不能再被拖回到冲突倦怠的时代。”</span></span></p>
    <div style="text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-6w9my0ksvp/aa40cd1b64e0409aa44ed028ea95de37~noop.image?_iz=58558&amp;from=article.pc_detail&amp;lk3s=953192f4&amp;x-expires=1718175731&amp;x-signature=yFiDBj4R1%2FGHIK9aQZ0AeOggUi0%3D" style="width: 100%; margin-bottom: 20px;"></div>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">Albanese指出，政府在预算案中为缓解生活成本压力出台了一系列措施。</span></span></p>
    <p style="font-size: 18px; line-height: 40px; text-align: left; margin-bottom: 30px;"><span style="color: green;"><span style="color: green;">包括三阶段减税方案改革，提供能源补贴降低儿童保育费用和药品费用，增加租金援助，以及为大学和TAFE学生提供帮助。</span></span></p>