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今天新闻来了, 白天要上班, 年轻客户咨询又在晚上, 基本上忙完了也这个时候了, 对不住大家了
快成零点播报了, 下面正题
今天的新闻将带给人们更多的思考:
Demand fuels housing boom
Date: April 8, 2010
Publication: Sydney Morning Herald (subscribe)
The governor of the Reserve Bank of Australia, Glenn Stevens, granted his first TV interview as governor this week to warn people that property prices were "getting quite high" and of the dangers of taking on too much mortgage debt.
Speaking on Channel Seven's top-rating Sunrise program with David Koch, Stevens said: "I think it is a mistake to assume that a, you know, riskless, easy, guaranteed way to prosperity is just to be leveraged up into property.
You know, it isn't going to be that easy." It was blunt talk for a central banker and the message was clear - people should pause for thought before embarking on a mortgage so big it would keep them in hock into old age.
Although he didn't say as much in those words, Stevens concentrated on the near-term prospects of more rate rises.
"We cut interest rates to what we call emergency settings when we had an emergency," he said, referring to the global financial crisis.
"Once the emergency has passed and things gradually look more normal, then it's not wise to leave interest rates right down at rock bottom any longer than we need."
Just in case anyone watching still missed the point, there was this: "And you shouldn't assume they'll stay low because that assumption will prove to be, you know, unfortunate."
Property prices are mostly beholden to demand. Annual migration is running at 300,000 a year. Since World War II, average annual migration has run at about 100,000 a year.
It's a big jump but it is off a population of 22 million, which is twice the population of the mid-1960s. But even in growth-rate terms, it's the biggest migration program since the late 1960s and among the biggest in the world. Significantly, the number of new arrivals needing somewhere to live is much larger than 300,000.
That's because, unlike the 1960s, Australia now has a foreign student population of several hundreds of thousands on temporary visas. Another factor that has the potential to put upward pressure on prices is the government's changes to foreign ownership rules.
A raft of changes came into effect a year ago. The government insists on calling them merely "administrative streamlining". Developers can now sell all of their off-the-plan apartments to foreigners.
Previously half were reserved for local buyers. The biggest change concerns the holders of temporary visas. Under the old rules, foreign investors were restricted to buying off-the-plan apartments.
Under the new rules, those on temporary visas, which includes student visas where the term is at least 12 months, can purchase a property, including established property, and, after they return home, rent the property out for investment.
Under the old rules, student-visa holders were limited to purchases of up to $300,000 on established dwellings and were required to sell the property on returning overseas.
This change is likely to widen the pool of property available to the parents of students studying in Australia. As well as the huge amount of pent-up demand for housing, there's the under-supply.
The managing director of BIS Shrapnel, Rob Mellor, says this is the worst imbalance between supply and demand he has seen in his 26 years following the property market.
In 2001-02, the number of new-dwelling commencements in NSW was about 47,000 and now it's running at about 24,000. Yet in Victoria, commencements are running at about 50,000, a record.
The difference is startling given both state governments operate in the same economic climate with the same interest rates.
Mellor sheets the blame to the NSW government for not releasing enough fringe land (going back to the 1990s), poor infrastructure planning and high levies on developers.
Even with higher interest rates, there's no reason for thinking house prices will stop rising.
(全文完!)
看完了,大家有什么感想?
1政府已经意识到了留学生买房的问题, 也同样注意到了移民人口的飞速增长,.
2 去年4月颁布的房地产规定是否还适应目前的情况
3 加息并无法解决房价飞涨的问题, 而只是给本地居民, 尤其购买非移民人口选择的住宅区的本地澳洲居民带来不必要的加息痛苦.
4 政府土地批准明显没有跟上发展的节奏.
结论: 即使不断加息, 没有任何道理可以抑制房价的飞涨.
咋办呢?
好的方面: 放松土地批准, 但是至少依旧需要5年时间去平衡供求关系. 房价依然继续上扬.
坏的方面: 政府要仔细斟酌政策的改变, 如处理不当也许是留学生 真正站出来痛骂这个政府的时候了. 除此之外大量的衍生问题需要政府解决. 归根结底: 澳洲政府是否需要这大量的海外移民呢?
下面是各位的讨论时间. 那种情况发生的可能性大呢?
今天的新闻尤其应该标大体, 但是以后为了平和大家的心态, 我还是选择用较为让大家舒适的字体吧.
[ 本帖最后由 悉尼置业 于 2010-4-23 11:13 编辑 ] |
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