澳洲房价再创历史新高！专家：澳联储降息在即，房价再次加速上涨

Core Viewpoint - Analysts predict that if the Reserve Bank of Australia (RBA) lowers interest rates, house prices may accelerate in the coming months, but factors such as affordability issues and slowing population growth will limit significant price increases [1][2][3]. Group 1: Economic Indicators - The adjusted average inflation rate has dropped to 2.9% over the past 12 months, marking the first time in three years it has fallen below 3% [3]. - Financial markets widely expect the RBA to announce a 0.25% rate cut after the meeting on May 20 [3]. Group 2: Housing Market Trends - In April, the annual growth rate of Australian house prices slowed to 3.2%, the smallest increase since August 2023 [5]. - Major cities like Sydney and Melbourne saw monthly price increases of 0.2%, while Brisbane, Perth, and Canberra increased by 0.4%, and Darwin by 1.1% [5][6]. - Despite anticipated interest rate cuts, house price growth is expected to remain in single digits due to a slowdown in immigration and increased housing supply [5]. Group 3: Affordability Issues - Over the past three years, housing affordability has worsened across all major Australian cities, with Sydney experiencing the most severe decline [6]. - In Sydney, house price growth is now 9.8 times the wage growth, requiring buyers to allocate 62% of their household income to mortgage repayments [7]. - Nationally, house price growth is 8 times the wage growth, with buyers needing to use 50.5% of their income for mortgage payments [7].