澳大利亚抵押贷款行业市场前景及投资研究报告-可编辑培训课件.pptx

INDUSTRIESMARKETSMortgagesinAustralia

CHAPTER01Overview

RealhousepriceindexinAustraliafrom4thquarter2018to4thquarter2023QuarterlyrealhousepriceindexAustralia2018-2023135130125120115110131.4130.8126.6126.7121.7119.8118.8118.7119118.9117.4113.4108.2107106.3105.6Q4105.1Q2104.7Q410510095102.7Q3101.6Q1100Q2Q1Q3Q4Q1Q2Q3Q4Q1Q2Q3Q4Q1Q2Q3Q42018201920192019201920202020202020202021202120212021202220222022202220232023202320233Description:TherealhousepriceindexinAustraliainthefourthquarterof2023was118.9,markingamarginalincreasefromthesamequarterofthepreviousyear.Housepricesfluctuatedoverthereportedperiodcomparedtothebaseyearof2015,experiencingasharpincreasein2021.ReadmoreNote(s):Australia;Q42018toQ42023;baseyearis2015,seasonallyadjustedSource(s):OECD

HousepricetoincomeratioinAustraliafrom4thquarter2018to4thquarter2023QuarterlyhousepricetoincomeratioAustralia2018-2023125120115110121.2120.9120.5119.8119.4118.1116115.7114.6114.4113.1105.1103.5103.610510095102.9101.799.8Q399.5Q199.2Q298.5Q29790Q4Q4Q1Q3Q4Q1Q2Q3Q4Q1Q2Q3Q4Q1Q2Q3Q42018201920192019201920202020202020202021202120212021202220222022202220232023202320234Description:Thehouseprice-to-incomeratioinAustraliawas119.4?asofthefourthquarterof2023.Thisratio,calculatedbydividingnominalhousepricesbynominaldisposableincomeperhead,increasedfromthepreviousquarter.Theprice-to-incomeratiocanbeusedtomeasurehousingaffordabilityinaspecificarea.Asimilartrendwasseenforthehouseprice-to-rentratiointhesameperiod.PropertybubbleTherehasbeenconsiderabledebateoverthepastdecadeaboutwhetherAustraliaisin[...]ReadmoreNote(s):Australia;Q42018toQ42023;baseyearis2015,seasonallyadjustedSource(s):OECD

ValueofhouseholdlendinginAustraliafrom2014to2023(inbillionAustraliandollars)HouseholdlendingvalueAustralia2014-