澳大利亚的首次购房者正日益考虑与朋友或兄弟姐妹联手购房。根据2024年调查，超过半数澳洲人表示愿意与朋友或家庭成员共同购买房产，但实际采取此举措的仅占4%[1]。房产律师德安娜·拉斯特里纳指出，过去八个月来共有权协议的咨询量明显增加[1]，这反映出首次购房者希望通过资源整合加快进入市场的需求。
共同购房存在多种法律结构。购房者可选择共同租赁模式（双方各占50%所有权），或按份共有模式（允许不同比例分配）[1]。律师建议朋友之间采用按份共有结构而非共同租赁[1]。一份完整的共有权协议应涵盖初始贡献金额、抵押贷款和账单支付方式、房产翻新及纠纷解决机制、销售条款，以及所有者丧失行为能力或去世时的处理方案[1]。2024年5月，朋友卡莉与马克就通过这一方式成功购买了一套房产[1]。
More than half of Australians would consider buying property jointly with friends or siblings, according to a 2024 survey, yet only 4% have actually pursued this approach.[1] Property lawyer Deanna Lastrina has observed a marked surge in co-ownership agreement inquiries over the past eight months, driven largely by first-time buyers seeking faster market entry through pooled resources.[1]
Co-ownership structures typically take two forms: joint tenancy, which creates a 50/50 ownership split, or tenancy in common, which allows varying ownership percentages.[1] Legal professionals recommend that friends opt for tenancy in common rather than joint tenancy.[1] A co-ownership agreement should address initial financial contributions, mortgage and bill payment arrangements, renovation costs, dispute resolution mechanisms, sales terms, and provisions for scenarios involving owner incapacity or death.[1]
Two friends, Karli and Mark, successfully completed a property purchase together in May 2024.[1]