ZT: House affordability falls, build consents up

NewLynnHse

说真的，为啥不买呢？工资一年涨34.53刀，房子一年长3W8。

http://www.nzherald.co.nz/property/news/article.cfm?c_id=8&objectid=11284574

Wages have only gone up $34.53 annually against house prices, which are up by $38,000.

These are the findings of the Home Affordability Report quarterly survey released by Massey University this morning.

"The all districts national affordability index deteriorated by 7.6 per cent during the 12 months ending May 2014. There was no real surprise in this result because the average annual wage increase of $34.53 was not enough to offset a $38,000 increase in the national median house price and an increase in the average mortgage interest rate from 5.57 per cent to 5.64 per cent," the report said.

"This deterioration in affordability is likely to continue as recent interest rate increases are incorporated into the debt servicing costs for home mortgages.

Affordability improved in five regions: Southland [14.4 per cent], Taranaki [8.4 per cent], Manawatu/Wanganui [6.2 per cent], Nelson [2.2 per cent] and Otago [0.8 per cent].

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onetreehill1

天维网7月1日报道 本周一，新西兰梅西大学公布了今年二季度住房可负担能力报告。结果显示，截至今年5月底，新西兰全国住房可负担能力指数恶化了7.6%。


　　决定住房可负担能力的三个关键因素：人均年收入增长34.53纽币，远跟不上全国住房价格中位数增长的38,000纽币。与此同时，平均房贷利率从5.57%上涨到5.64%。

　　报告认为，随着近期央行加息而且势头持续，预计住房可负担能力的恶化程度会加深。

　　若以地区计算，新西兰全国共有5个地区的住房可负担能力有好转，它们分别是Southland（改善14.4%）、Taranaki（改善8.4%）、Manawatu/Wanganui（改善6.2%）、Nelson（改善2.2%）和奥塔哥（改善0.8%）。

　　在另外7个地区，住房负担能力明显恶化，其中皇后镇所在的中奥塔哥湖区以12.2%领跑，坎特伯雷、奥克兰分别恶化了10.6%和9.1%，怀卡托、Northland和惠灵顿分别恶化了4.8%、3.5%和3.4%，Hawkes Bay也恶化了0.7%。


　　若与全国可负担能力指数相比，奥克兰的“房奴”面临的压力最大，达到全国水平的138%。中奥塔哥湖区和坎特伯雷分别达到133.9%和100.6%。相比之下，全国住房可负担指数最理想的地区是Southland，只达到全国水平的42.5%，Manawatu/Wanganui和Taranaki分别达到55.2%和56.7%。