据RealEstate网站报道，最新的按揭研究揭示了许多购房者依赖他人资金的严峻现 实：将近四分之一的 Z世代和千禧一代购房者通过借款支付首付款。 （图片来源：RealEstate） 调查结果显示，很多年轻购房者通过父母的现金赠与或政府补贴来协助支付首付， 特别是在Z世代中， 这种外部帮助成为主流的购房方式。 Mortgage Choice的调查指出，43岁以下的购房者越来越多地依赖于家庭支持，而 不是单纯依靠自身储 蓄。 随着房价攀升和年轻购房者储蓄能力的局限，越来越多的年轻澳洲人不得不依赖来 自他人的经济支持 以进入房产市场。 "尤其是在房价高企的悉尼，首次购房者如果没有来自家庭的帮助几乎无法入市， 这些资金赠与的金额 从1万澳元到50万澳元不等。" 这项调查伴随着Finder.com.au的另一项研究，后者揭示了许多澳洲人不仅仅依靠 收入，而是依赖债务来 维持生活水平。 高昂的生活消费限制了他们的储蓄能力，也使他们背负债务。 Equifax的报告也显 示，超过一半的18至24岁澳洲人使用"先买后付"服务，这影响了他们的信用评分。 由于生活成本上涨和迅速增高的房价，首付款成为购房的主要障碍之一。 许多年轻 ...

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]

Core Insights - Landsea Homes Corporation (LSEA) reported disappointing first-quarter 2025 results, with adjusted earnings and total revenues falling short of the Zacks Consensus Estimate [1][4] - The company experienced a year-over-year decline in bottom line while total revenues increased [1] Financial Performance - LSEA reported a loss per share of $0.05, which was worse than the consensus estimate of a loss of $0.03 per share; in the same quarter last year, the company had adjusted earnings per share of $0.10 [4] - Total revenues reached $310.8 million, missing the consensus mark of $320 million by 2.9%, but grew 6% year-over-year from $294 million [4] Segment Performance - Home Sales segment revenues were $299.4 million, reflecting a 2.3% increase from the prior-year quarter; the company delivered 643 new homes, up 27.3% year-over-year, with an average selling price (ASP) of $466,000, down 19.5% year-over-year [5] - Net new home orders rose 11.1% to 679 homes, valued at $317.8 million, with a cancellation rate of 9%, down from 10% a year ago [6] - Lot Sales & Other segment revenues surged 689.4% year-over-year to $11.4 million, with total lots owned or controlled by LSEA increasing to 10,516 from 10,349 a year ago [8] Margin and Cost Analysis - Home closing gross margin contracted by 190 basis points year-over-year to 13%, primarily due to higher discounts, incentives, and increased interest costs [7] Debt and Cash Position - As of March 31, 2025, cash and cash equivalents totaled $36.7 million, down from $53.3 million at the end of 2024; total debt increased to $727.5 million from $725.4 million [9] - The debt to capital ratio was 52.1%, up from 51.8% at the end of 2024, with net debt to total capital at 48.3%, an increase from 47.7% [9] Acquisition Announcement - On May 12, 2025, Landsea Homes announced a definitive agreement for acquisition by New Home Co. at $11.30 per share, representing an enterprise value of approximately $1.2 billion and a 61% premium to LSEA's closing share price on that date [11] - The acquisition is expected to be completed by early third quarter of 2025, pending customary closing conditions [12]

Group 1 - The recent adjustment of housing provident fund loan interest rates is seen as a timely policy that supports housing consumption, with the first-time home loan rate dropping to a historical low of 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [1][2] - The policy is expected to significantly reduce monthly repayment amounts for borrowers, with one example showing a reduction of approximately 80 yuan per month, leading to annual savings of nearly 1,000 yuan [1] - The immediate effect of the policy is evident, as there was a 10% increase in customer visits to a local real estate project on the day the rate cut was announced, indicating a boost in demand from first-time homebuyers [1] Group 2 - The adjustment has expanded the advantage of first-time home loan rates over commercial loans to 1 percentage point, effectively providing long-term benefits to homebuyers [2] - Since 2025, a total of 52.763 million yuan in housing provident fund loans has been issued, supporting 136 families in meeting their housing needs [2] - The local housing provident fund management department plans to enhance the promotion of the new policy to increase public awareness and ensure more contributors benefit from the housing provident fund system [2]

Core Insights - The real estate market is experiencing a significant downturn, with a noticeable decline in buyer interest and confidence, leading to a stagnation in transactions [1][4][15] - Despite aggressive policy measures aimed at stimulating the market, such as lowering down payment ratios and interest rates, the effectiveness has been limited, with new loans dropping to only 4% of pre-pandemic levels [3][15] Group 1: Market Dynamics - The second-hand housing market is facing a "stampede-style sell-off," with listings reaching 190 million nationwide, indicating a surplus of available properties [9][10] - There is a stark contrast in property performance, with high-demand new developments selling out quickly while older properties see significant price drops, highlighting a "class division" in the housing market [11][12] - The introduction of new regulations has rendered older homes less desirable, as buyers prefer properties that meet updated standards, leading to a depreciation in value for older units [12][13] Group 2: Economic Factors - The income growth for urban residents is projected to be only 3.2% in 2024, while mortgage rates peaked at 5.8% in recent years, creating a mismatch between income and housing costs [7] - The market is witnessing a shift towards affordable housing options, with 317 million units of affordable housing being established, providing alternatives for first-time buyers [16] - The demographic of potential homebuyers is shrinking, with the eligible population decreasing from 25 million to 15 million, exacerbating the supply-demand imbalance [14]

10多年前，如果你没有自己的一套房子，周围的人都看不起你，找不到对象，甚至是广告也在说："丈母娘第一个给眼色你看。" 十多年前，铺天盖地的房子广告，告诉你，只要你买了房子，就等着升值，一套房子一年升值的价值等于你上几年的班。 回到老家，周围的朋友，不是讨论车子，就是讨论房子，唯独没有买房的你，独自坐在角落头闷不做声。 房价从2009年一直涨到2018年，很多人就在这段时间买了房子。你看着一路高涨的房子，再不买，这辈子可能买不起了，于是你咬咬牙，各种借钱贷款 的，终于把首付凑齐了，拿到房子的那一天，你终于是有房一族了。 可是开心的时刻是那么的短暂，每个月的房贷，让自己非常的不是滋味，毕竟才刚刚开始还房贷，未来还有30年的房贷之路要走，想想真实路漫漫啊，而 房贷的原因，自己的生活质量一下子下降了，虽然是这样，自己还能接受，然而你更没想到，2019年，房价开始跌了，在我们这片土地上，第一次听说房 价还会下跌的，然后再经历特殊的三年时间，很多人的工作都不保了，公司倒闭的倒闭，裁员的裁员，自己的工作岗位下个月不知道还在不在，可是每个 月都房贷一分不少的要交。 好不容易熬过去了三年，发现市场环境完全变了，很多行业直接消失 ...

据微信公众号"昆明公积金"消息，云南省昆明市住房公积金管理中心发布《关于调整住房公积金贷款最 高额度的通知》。本通知自2025年5月6日起执行。文件明确最高贷款基准额度：单缴存人家庭50万元、 双缴存人家庭80万元调整为单缴存人家庭70万元、双缴存人家庭100万元。 ...

加拿大4月温哥华基准住房价格同比下滑1.8%，销量下降23.6%。 ...

根据Jarden的最新分析，澳洲买房人需年收入达16.1万澳元，才能在不陷入财务压力的情况下负担得起 房贷——这一数字比全国平均工资（11.4万澳元）高出41%。 是否还想了解不同城市的详细可负担区域列表？ 根据研究机构Cotality的数据，全国仅有五分之一的城区对平均收入者来说是"可负担"的。 今年房价预计将上涨6.1%，而利率仍处于高位，贷款偿还负担持续加重。 当前全国平均需将42.4%的收入用于还贷，远高于疫情前（2020年3月）的24.1%。 悉尼最难负担，还贷占比高达57.9%，购房者需年薪23.5万澳元才不"吃力"。 墨尔本相对最"轻松"，平均还贷占比为36.6%。 在悉尼，仅有14个城区对中等收入家庭（年薪12.1万澳元）可负担，包括Bankstown、 Cabramatta、Liverpool等。 Malouf批评主要政党提出的购房支持政策"过度侧重需求端"，认为这可能推高房价而非解决根本问题。 他强调："除非供给跟上，否则政策只会加剧供需失衡。" Jarden经济学家Anthony Malouf指出，要改善住房可负担性，需要进一步降息以及增加住房供给。他警 告称，房屋拥有率下降将在未来几十 ...

最近总有人问我："十年后房子会不会像白菜一样便宜？" 这问题搁五年前，我肯定笑话你杞人忧天，但现在我会认真告诉你："有可能，但要看两个关键信号。" 先看一组让人脊背发凉的数据：截至2025年4月，全国商品房待售面积达8.2亿平方米，相当于14亿人每 人"分摊"5.8平方米库存。 更可怕的是，三四线城市库存去化周期普遍超过36个月，意味着即便不卖地不建房，现有房子也够卖3 年。 武汉三环外某楼盘直接降价20%还送车位，郑州南三环公寓单价从1万跌到6000元，降幅达40%。这些 现象背后，是两个正在发酵的"蝴蝶效应"。 更狠的是房产税试点扩围，60个城市对二套房征收0.3%-0.8%的持有税，上海一套1000万的房子每年要 交4.2万税。 持有成本飙升，迫使炒房客抛售，广州某小区二手房挂牌量一年内激增300%。 第一个信号：人口结构剧变，住房需求断崖式下跌 国家统计局数据显示，2025年中国60岁以上人口将突破3亿，占比22%，正式进入深度老龄化社会。这 意味着什么？ 简单算笔账：一个三口之家变成两位老人独居，住房需求直接砍掉三分之一。 更致命的是，年轻人结婚生子意愿持续低迷，2023年全国结婚登记量仅683万对 ...