智通财经APP获悉，据特朗普在"真实社交"平台发布的内容显示，他提议推出一项全新的50年期抵押贷 款计划，以此鼓励年轻人购置房产。这位美国总统提出了推行 50 年期房贷的设想，旨在帮助选民解决 他们最为关心的问题之一：住房负担能力问题。特朗普在周一播出的一次采访中表示："这其实只是意 味着你每月支付的费用会减少。" 特朗普政府致力于降低购房者的月度住房成本，这是在上周民主党一系列选举胜利之后采取的举措。在 这些选举中，候选人通过强调住房的可负担性和生活成本问题赢得了选民的支持。 然而，房地产行业的专家们对此观点予以否定，认为这是一种目光短浅的模式，几乎无法减轻成本负 担，而且从长远来看还会损害房主的利益。该计划可能会增加房主的利息支付额，减缓他们积累的房屋 净值速度，并引发需求激增，从而进一步推高供不应求市场中的房价。 美国公众住房压力增大 美国房地产经纪人协会的最新数据显示，1991年美国人首次购房的平均年龄为28岁，而到2024年这一年 龄已升至38岁。房产中介机构Redfin发布的最新数据显示，当前美国家庭用于偿还抵押贷款的支出占家 庭收入的比例达39%。这是因为偿还一套普通房产抵押贷款所需的收入，已远 ...

Core Insights - Despite various housing affordability policies being introduced, Australian housing prices are unexpectedly accelerating, particularly among the cheapest properties, rather than luxury homes [1][2] - This trend is likely to exacerbate the generational gap in home ownership, making it increasingly difficult for young people to afford homes [1][4] Housing Market Trends - Data from real estate platform Domain indicates that in the past three years, the largest price increases in most capital cities have occurred in the lowest-priced quarter of properties, contrary to traditional housing market cycles [2][10] - Nicola Powell, Chief Research and Economics Officer at Domain, notes that this reversal indicates a shrinking pool of affordable homes for ordinary buyers, leading to increased competition for limited options [2][11] Generational Disparities - Home ownership rates among Australians under 34 have seen a dramatic decline, with only 49.7% of those born between 1987 and 1991 owning a home by age 30-34, compared to 68% for those born between 1947 and 1951 [5][6][7] - The ability of subsequent generations to catch up in home ownership is diminishing, with only 36.1% of those born between 1992 and 1996 owning a home in their twenties [8] Impact of Government Policies - Eliza Owen, Research Director at Cotality, emphasizes that the rapid price increase of low-cost homes is a significant signal, with this segment leading the market since March 2024 [10] - Concerns are raised regarding the federal government's upcoming expansion of the First Home Guarantee policy, which may further inflate the prices of low-cost homes by removing income limits and broadening eligibility [12][13] - Forecasts suggest that this policy could increase housing prices by approximately 0.5% over the next six years, with some models predicting a 6.6% increase in the first year [16]

Core Viewpoint - The U.S. government, under President Trump, is considering declaring a national housing emergency to address rising housing costs and declining supply, with urgency emphasized by Treasury Secretary Scott Basset [1][2]. Group 1: Housing Market Challenges - The U.S. real estate market is experiencing stagnation due to rising home purchase costs and decreased supply, exacerbated by the Federal Reserve's tightening monetary policy and increased prices for construction materials [1]. - Since the 2008 financial crisis, the U.S. has not declared a national housing emergency, highlighting the severity of the current housing environment [2]. Group 2: Government Response and Actions - Trump has consistently criticized the Federal Reserve for high interest rates, which he claims increase government financing costs and harm the real estate market [3]. - The government is exploring ways to regulate local building and zoning codes and reduce transaction costs, with a focus on housing affordability as a key pillar for the Republican agenda in the 2026 midterm elections [4]. - The administration is also looking into simplifying approval processes and encouraging standardized construction methods to boost housing supply and lower costs [4]. Group 3: Market Outlook - Rental prices are currently declining, which is crucial for Americans without property, and a decrease in interest rates is expected to increase real estate transactions and home sales [4].

Group 1 - The increase in May is attributed to the resilience of the U.S. labor market, with wage growth outpacing home price increases [1] - Mortgage rate fluctuations are the primary driver of home buying decisions, significantly impacting housing affordability more than wage growth [1]

Group 1 - A residential property in St Marys, Sydney, sold for AUD 1.91 million, significantly exceeding the expected reserve price of AUD 300,000, indicating a strong demand in the area [1] - The property, which had not been sold for over 60 years, attracted 18 registered bidders on auction day, setting a new record for a 1,200 square meter lot in St Marys [1] - Historical context shows that property prices in the area have dramatically increased, with past sales around AUD 15,000 two decades ago, highlighting a substantial appreciation in real estate values [1] Group 2 - The property is located within walking distance of the soon-to-be-completed St Marys metro station, reflecting the strong demand for land in Sydney [3] - The new owner believes the price is justified due to future commercial developments and airport expansion plans in St Marys [3] - Sydney has been identified as the second least affordable city globally, following Hong Kong, according to the Demographia International Housing Affordability Report [3] - The Property Council's Western Sydney regional director noted a persistent gap between wages and housing costs due to insufficient housing construction to meet growing population demands [3] - It was emphasized that building more apartments could help make housing more affordable in the future, as apartments are generally cheaper than standalone houses due to higher density [3]