澳大利亚最大抵押贷款方Commonwealth Bank报告全年现金利润达110亿澳元[1]。尽管政府税收改革对投资者贷款产生显著冲击，但银行与监管机构均认为市场压力已见底，长期前景仍有支撑。
政府5月公布的预算改革自发布以来，投资者贷款申请下降28%，业主自用贷款申请下降9%[1]。澳大利亚储备银行数据进一步印证了这一趋势，投资者新贷款增长下降约25%，业主自用新贷款下降约10%[1]。2026年初，每月进入市场的投资者贷款平均笔数为19,000笔，总额140亿澳元[1]。
Commonwealth Bank首席执行官Matt Comyn表示最坏情况已于6月底过去，预计2027年市场将迎来改善[1]。澳大利亚储备银行行长Michele Bullock指出："我们仍然存在相对于住房需求的供应短缺，最终将以价格形式解决。"[1]尽管房地产市场面临调整压力，但长期住房供应缺口将继续支撑价格，市场远未陷入危机状态。
Australia's largest mortgage lender Commonwealth Bank reported full-year net profit of A$11 billion, underscoring the broader health of the nation's property market even as government tax reforms have created near-term headwinds [1]. Investor loan applications have declined by 28 percent since the government's May budget announcement, while owner-occupier loan applications fell 9 percent [1]. However, bank leadership and policymakers contend that the worst of the adjustment has passed and the sector is positioned for recovery.
Commonwealth Bank Chief Executive Matt Comyn stated that the worst-case scenario concluded by late June, with expectations for improvement by 2027 [1]. The Reserve Bank of Australia's data indicates investor new lending growth has fallen approximately 25 percent and owner-occupier new lending approximately 10 percent [1]. Despite these declines, investor lending volumes remained substantial, reaching A$45 billion in the second half of 2025 and A$37 billion in the first half of 2026, with an average of 19,000 investor loans entering the market monthly in early 2026 valued at A$14 billion [1].
Reserve Bank Governor Michele Bullock emphasized structural market dynamics supporting prices, observing that "we still have a supply shortage relative to housing demand, which ultimately will be resolved through prices, so it will correct" [1]. While Australia's property sector faces near-term pressure from tax changes, fundamental supply constraints suggest the market remains far from collapse and retains underlying strength for long-term growth.