尽管房地产市场出现下行信号，澳大利亚首次购房者却在加速撤离。2024年9月，整体抵押贷款需求同比下降19.2%，首次购房者新贷款申请同比下降22.1%，创下自2022年12月以来最大年度跌幅1。这一现象表明，房价下跌1.1%的温和调整未能吸引年轻购房者重新入场1。
年轻人面临的压力尤为沉重。18至25岁年龄段的购房者抵押贷款下降25%，26至35岁群体下降22.5%1。尽管市场出现调整机会，首次购房者的平均贷款额仍高达74.3万澳元1。严格的贷款审批标准、高利率环境和高生活成本的叠加效应，共同推动年轻购房者退出市场。与此同时，56岁及以上人群的信用卡需求反而增加36.3%，贷款机构转换申请下降8.8%1，反映出不同年龄段购房者的差异化选择。
First-time home buyers in Australia are retreating from the property market at an accelerating pace, despite recent price declines. In September 2024, overall mortgage demand fell 19.2 percent year-on-year, while first-time buyer loan applications dropped 22.1 percent—the largest annual decline since December 2022.1 Young Australians have been hit particularly hard, with mortgage applications from those aged 18 to 25 falling 25 percent and those aged 26 to 35 declining 22.5 percent.1
The exodus persists even as house prices retreated 1.1 percent, suggesting that affordability challenges extend beyond mere price tags.1 The average first-time buyer mortgage still reaches AUD 743,000, a figure that remains daunting for younger demographics facing stringent lending criteria, elevated interest rates, and mounting cost-of-living pressures.1 According to Equifax Chief Solutions Officer Kevin James, this represents "the largest year-on-year decline in first-time buyer mortgage demand since December 2022."1 Meanwhile, other demographic trends reveal growing financial strain: credit card demand among those aged 56 and over surged 36.3 percent during the same period, and mortgage switcher applications fell 8.8 percent.1
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