澳洲房价，再创新高！

Core Insights - The Australian housing market is experiencing significant price increases, driven by previous interest rate cuts by the central bank, despite no further cuts announced in the September meeting [1][3][4]. Group 1: Housing Market Trends - Almost all capital cities in Australia have seen record high housing prices due to the effects of credit easing from prior interest rate cuts [1]. - Brisbane has shown a particularly strong price increase, with a 1.1% rise in September and a cumulative increase of 6.9% for the year [2]. Group 2: Interest Rate Impact - The Reserve Bank of Australia (RBA) has reduced the cash rate from 4.35% to 3.6% since February, a total decrease of 75 basis points, which has been crucial for the housing market's activity [4][6]. - The reduction in interest rates has improved borrowing capacity by approximately 7%, boosting consumer confidence, which is essential for making significant financial decisions [7]. Group 3: Central Bank's Stance - Despite the ongoing housing market strength, the RBA decided to maintain the current interest rates in September, prioritizing inflation control over further rate cuts [9]. - The RBA acknowledges the structural supply shortage in the housing market, indicating that government measures to increase housing supply will take time to show results [9]. - Current market expectations for a significant rate cut by the end of the year have diminished, with only a 40% probability of the cash rate dropping to 3.35% [9]. Group 4: Economic Outlook - The overall economic situation remains stable, with inflation rates returning to the target range of 2-3% and an unemployment rate around 4.2% [9]. - Federal Treasurer Jim Chalmers noted that while the RBA's decision may not align with the desires of mortgage holders, the cumulative rate cuts since February have been beneficial for the economy [12].