Housing affordability

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【房价】上半年福州房价收入比16.7,位列全国第八位!
Sou Hu Cai Jing· 2025-08-13 20:47
海西房产网(微信公众号:fjhxfcw)消息:近日,麟评居住大数据研究院发布的报告显示,其监测的 100个重点城市2025上半年房价收入比为10.0,相比2024年下滑2.9%,跌幅收窄6.8个百分点,自2019年 监测以来,房价收入比均呈现年年下滑的局面,较2019年下降近3成。 报告认为,自2023年以来,房价收入比下降的主要驱动力从"收入增长"转为"房价下降"。房价持续下跌 导致居民资产缩水,影响购房信心和收入预期。 值得一提的是,虽然房价收入比较2024年下滑,但2025年上半年百城房价收入比的下滑幅度明显收窄, 并未延续2023、2024年大幅下降局面。 从区域表现来看,房价收入比的高低和经济圈的经济情况成正比,经济发达区域房价收入比一般较高。 如海峡经济圈、珠三角和长三角经济圈房价收入比仍位居前三,分别为15.1、13.9和10.8,是国内居民 购房压力较大的城市经济圈。 | 城市 | 城市等级 | 经济圆 | 房价收入比 | 城市 | 城市等级 | 经济困 | 房价收入比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 深圳 | 一线城 ...
降息反成噩梦?澳洲房价暴涨,83%城区普通家庭买不起
Sou Hu Cai Jing· 2025-08-10 16:40
Core Insights - The recent interest rate cuts in Australia have led to a significant increase in housing prices, making it difficult for average earners to afford homes in major cities [1][3] - A study indicates that approximately 83% of regions in Australia are unaffordable for average pre-tax income earners, which is around AUD 100,000 annually [1][3] - The minimum annual income required to purchase an average-priced home in capital cities is now approximately AUD 203,000 [3][6] Housing Affordability - National housing prices have risen by about 5% compared to the same period last year, with most increases occurring after the interest rate cuts in February [3][12] - In Sydney, the median home price is AUD 1,564,000, requiring an annual income of approximately AUD 294,615 to afford [6][7] - Brisbane's median home price is AUD 1,067,000, necessitating an annual income of around AUD 201,000 [7] - Melbourne's median home price is AUD 983,000, with a minimum income requirement of AUD 185,170 [7] Loan Repayment Burden - Housing affordability is defined as spending more than 30% of income on mortgage repayments, which is considered unsustainable in the long term [6] - Adelaide's median home price is AUD 916,000, requiring an annual income of nearly AUD 173,000 [7] - Perth's average housing affordability requires a similar annual income of about AUD 174,000 [7] Apartment Affordability - Purchasing an average-priced apartment in capital cities requires a minimum annual income of AUD 131,000, which is still above the national average income of AUD 105,000 [9][10] - In Melbourne, Perth, Canberra, and Adelaide, the minimum income needed to afford an average-priced apartment ranges from AUD 110,000 to AUD 120,000 [9] - In Brisbane, the minimum income for an average-priced apartment is close to AUD 135,000, while in Sydney, it is approximately AUD 162,000 [10] Market Dynamics - The high income levels required to enter the housing market are suppressing the rate of price increases, yet recent interest rate cuts continue to drive prices upward [12]
X @Bloomberg
Bloomberg· 2025-07-11 11:40
Just as Democrats are ready to make housing cheaper, White House policies will restrict workers, increase building costs and hurt demand, writes @Erika_D_Smith (via @opinion) https://t.co/CWOJxuA89Y ...
Jam today: unleashing the power of meanwhile use | David Warr | TEDxSt Helier
TEDx Talks· 2025-06-25 16:32
[Music] [Applause] The full title of this speech is Jam Today unlocking the power of meanwhile use. Here's a a photograph a most powerful photograph of a greenhouse um which has been left derelict for 20 20 odd years and it just sits there and slowly crumbles away. One of the things which I am so concerned about in all walks of life is about waste.Now a lot of waste that we see uh today uh in fast fashion, it vanishes. It's over there somewhere. It's hidden away.it goes out to some East African uh country a ...
Haverty Furniture(HVT) - 2025 Q1 - Earnings Call Transcript
2025-05-01 15:02
Financial Data and Key Metrics Changes - Q1 2025 sales were $181.6 million, a decrease of 1.3% year-over-year, with comparable store sales down 4.8% [3][18] - Gross margins increased to 61.2% from 60.3%, reflecting improved product selection and merchandise mix [4][18] - Pre-tax profits rose to $5.3 million, with an operating margin of 2.9%, compared to $3.2 million and 1.7% in Q1 2024 [4][19] - Net income for Q1 2025 was $3.8 million, or $0.23 per diluted share, compared to $2.4 million, or $0.14 per share, in the same quarter last year [19] Business Line Data and Key Metrics Changes - The design business accounted for approximately 33% of total business, with an average ticket of over $3,300, up about 4% [6] - The designer average ticket grew to over $7,400, an increase of over 9% [6] - Weakness was noted in dining and occasional categories, while upholstery, bedroom, and mattress categories performed in line with expectations [6] Market Data and Key Metrics Changes - Written sales were down 2.6% with comparable sales down 6.3% [3] - Sales for the Presidents' Day event were disappointing, down roughly 10% over the two-week period [5] - Traffic softened but remained positive in the low single digits, with conversion rates stabilizing and showing some improvement compared to last year [5] Company Strategy and Development Direction - The company plans to roll out a new point of purchase and tagging program to enhance the in-store customer experience [7] - The strategy includes increasing inventories of best-selling products to improve service speed and mitigate tariff impacts [11][12] - The company aims to open five new stores annually, with a cautious approach due to current market conditions [13][14] Management's Comments on Operating Environment and Future Outlook - Management expressed satisfaction with Q1 results despite challenges from the housing market, high interest rates, and consumer confidence issues [4][16] - The company is well-positioned to navigate challenges due to its strong brand, debt-free balance sheet, and customer focus [17] - Future guidance includes expectations for gross margins between 60% and 60.5% for 2025, factoring in current tariffs [21][22] Other Important Information - SG&A expenses decreased by $2.2 million or 1.9% to $107.2 million, representing 59% of sales [19] - Inventory levels increased by approximately $5 million or about 6% since year-end 2024 [11][20] - The company has halted most direct shipments from China due to tariffs, which could cause temporary supply disruptions [10] Q&A Session Summary Question: Impact of winter storms on business - Management noted that January was down almost 2% in written business, February down about 5%, and March was flat, with multiple storms impacting operations [26][27][28] Question: Price increases due to tariffs - Management confirmed targeted price increases will be implemented, but they expect minimal impact on consumers due to supplier cooperation [31][32] Question: Changes in competition - Management observed aggressive promotions from competitors but did not believe promotional activity was the primary issue affecting their performance [34][35] Question: Reduction in CapEx guidance - Management explained the $3 million reduction in CapEx was due to tariff uncertainty, prompting a cautious approach to store expansion [36][37] Question: Performance of new stores - Management reported positive performance from new stores, leveraging existing distribution networks, and noted that initial traffic has been good [47][48]