澳大利亚政府推出的首次置业者5%首付担保计划出现异常，近1,500套通过该计划购置的房产被业主转换为投资性房产。[1] 该计划自2020年启动至2026年5月期间共发放208,000份担保。[1]
政府在2025年10月修改方案，取消了对高收入借款人的排除限制。[1] 修改后平均每月完成5,600多笔购房，相比前一年的3,400笔增幅明显。[1] 数据显示，155名单身高收入者（年收入超30万澳元）和92对夫妇（年收入超40万澳元）参与该计划，其中最高收入者年收入超67.4万澳元。[1]
从偿还情况来看，89%的参与者在还款上处于领先状态。[1] 政府迄今仅支付13笔违约赔付，总额604,537澳元。[1]
Almost 1,500 properties purchased through Australia's first home buyers' 5% deposit guarantee scheme have been converted into investment properties since the program's launch in 2020, according to new data [1]. The scheme, which has issued 208,000 guarantees through May 2026, was designed to help first-time purchasers enter the housing market with minimal upfront capital [1].
The Australian government modified the scheme in October 2025 by removing income restrictions for borrowers, allowing high-income earners—including single individuals earning above AUD 300,000 annually and couples earning above AUD 400,000—to participate [1]. Following this change, monthly purchase completions surged to over 5,600, a significant increase from 3,400 in the previous year [1]. Among the newly eligible high-income participants, 155 single earners and 92 couples joined the scheme, with the highest-earning participant reporting annual income exceeding AUD 674,000 [1].
Eighty-nine percent of participants maintain current repayment status [1], while the government has paid out only 13 default claims totaling AUD 604,537 since inception [1].