NAB最新发布的房贷数据揭示了2025年前五个月全澳购房者的最新动向，部分此前 鲜少被关注的远郊区，如墨尔本Truganina，成为目前最热购房 地段。 （图片来源：RealEstate） 此外，各州的政府激励措施进一步激发购房需求。昆州首置族如购买或建造全新住 宅，无需缴纳印花税，无论房价多少均可豁免。 此外，2025年 昆州预算还公布了"Boost to Buy"股权共享计划，助低首付买家进 场。 西澳大幅调高首置购房印花税优惠门槛，减少购房初期支出。 *全澳前十大购房热点区（按贷款申请量排名）：* （图片来源：RealEstate） 据RealEstate网站报道，NAB房贷业务主管Denton Pugh表示，尽管多方预期央行本 月会降息，但利率仍维持不变。 然而，行长Michele Bullock已 明确表示，"利率正朝进一步放松的道路前进"，为 未来几个月的房市注入信心。 过去一年利率居高不下，使许多买家选择观望。但如今已迎来两次降息，NAB预计 今年还将再降两次，越来越多首次购房者认为这是一个不可错 过的入市窗口期。 Pugh表示："虽然我们没看到疯狂购房潮，但今年市场明显更活跃。" 他透露，全澳 ...

Group 1 - The Australian housing market experienced a brief decline of 0.4% from November 2024 to January 2025, attributed to interest rate hikes and cost of living pressures, but rebounded in February 2025 following the first interest rate cut in over two years [1][3] - In the first five months of 2025, national residential prices increased by 1.7%, with all capital cities showing at least a 0.4% rise in May, including Sydney (0.5%), Melbourne (0.4%), Brisbane (0.6%), and Perth (0.7%) [3][5] - The current housing market is characterized by a mix of positive and negative factors, with affordability issues and high household debt being the main concerns, while interest rate cuts, improved buyer confidence, and insufficient housing supply are seen as positive influences [5][6] Group 2 - Melbourne's current housing prices are still 4.5% lower than their peak in March 2022, while Sydney's prices are only 0.3% below their high in September 2024, indicating a significant price gap between the two cities not seen since 1999 [5][6] - The CEO of McGrath Real Estate noted that buyer confidence is recovering, and if further interest rate cuts occur in 2025, it could significantly boost market sentiment [6] - Market conditions are expected to normalize, with predictions of a 2.5% to 5% increase in properties priced below 2 million AUD by Christmas, reflecting a gradual return of market confidence [6][7]

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].