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只在西澳，而且这个40％是上限，也不是每一个首次置业人士都可以的，有条件限制。
The program will involve the Department of Housing and Works purchasing a share of the property - up to 40 per cent - with the home buyer given a low-deposit loan to purchase the remaining share.
The scheme is only available to owner-occupiers who qualify for the first home buyer's grant.
Families with incomes under $60,000, couples earning less than $50,000 and singles with wages of up to $35,000 can apply.
WA launches home loan scheme for low income earners
Monday, February 12, 2007 ABC News
The Western Australian Government has launched a $300 million shared equity scheme to help lower income earners buy their own home.
The program will involve the Department of Housing and Works purchasing a share of the property - up to 40 per cent - with the home buyer given a low-deposit loan to purchase the remaining share.
The scheme is only available to owner-occupiers who qualify for the first home buyer's grant.
Families with incomes under $60,000, couples earning less than $50,000 and singles with wages of up to $35,000 can apply.
Premier Alan Carpenter says the home loan scheme is for those who are having trouble entering WA's booming property market.
"We are trying to make sure that young people, or first home buyer who are on modest incomes will not be shut our of the housing market," he said.
The scheme is limited to properties valued up to $365,000.
Mr Carpenter says the $300 million program is a limited one.
"It's not an open ended scheme," he said.
The initiative, which is similar to a program used in Britain, is expected to assist 3,000 Western Australians.
Stamp duty
Real Estate Institute of Western Australia spokesman Rob Druitt says the initiative is a step in the right direction but the scheme is very restrictive.
Mr Druitt says stamp duty concessions are the only real way the Government can help all first home buyers.
"It's great for the lower income earners who will be able to take advantage of it," he said.
"But at the end of the day, as the Premier has said that the housing boom and interest rates have made prices unaffordable in Perth, well it's not the full picture.
"It's also the State Government taxes, stamp duty principally that has made houses unaffordable in Western Australia and they need to reduce stamp duty."
Mr Druitt says the maximum property price of $365,000 will be a hindrance for many first home buyers.
"Unfortunately for first home buyers in that lower income price range, properties around the $250,000 to $350,000, there isn't a lot of choice and so it will be limited."
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