澳洲Z世代买房：74%硬扛首付，29%偷偷借钱…

Group 1 - The core finding of the Mortgage Choice report indicates that despite rising housing prices in Australia, most Australians are relying on personal savings for their home deposits without external assistance [1][4] - Over 75% of potential homebuyers across all age groups can afford their down payments through personal savings, with 74% of Generation Z (ages 18-28), 70% of Millennials (ages 29-44), and 69% of Generation X (ages 45-60) relying on their savings [1][4] - The report highlights a competitive market, with a 5.6% increase in loan numbers and a 12.3% increase in total loan amounts year-on-year as of March, following a cash rate cut by the Reserve Bank of Australia [3] Group 2 - Despite the reliance on personal savings, a significant portion of individuals are seeking external assistance, particularly Generation Z, where 29% of respondents plan to borrow for their home deposit [4] - Generation Z is also the most likely to receive cash gifts from family to help with their deposits, with 22% indicating this, compared to 16% of Millennials and 8% of Generation X [4] - The median house price in Australia reached a new high of AUD 805,000 in April, with Sydney, Brisbane, and Canberra being the most expensive capital cities, averaging AUD 1.118 million, AUD 882,000, and AUD 822,000 respectively [4]