澳大利亚投资者房贷规模持续萎缩，6月季度投资者房贷总体下跌8.6%，创下自2022年9月以来的最大跌幅[1]。这一下滑主要体现在投资者购买现有房产的贷款上，该部分下降14.8%[1]，而年初至今投资者房贷累计下跌12.9%[1]。与此同时，新房建设贷款逆势增长4.4%，并创造历史新高[1]。
从地区来看，投资贷款下滑的幅度存在明显差异[1]。新南威尔士州投资贷款下跌15.5%，维多利亚州下跌14.2%，昆士兰州下跌10.1%[1]。全国范围内，全部贷款下跌5.4%，12个月内仅增长0.1%[1]，而投资者房贷的年增长率从3月季度的19.4%放缓至2.8%[1]。全国平均抵押贷款从735,000澳元降至731,000澳元[1]。
澳大利亚统计局财务统计负责人Mish Tan表示，"这是6月季度投资者贷款最大跌幅"[1]。投资者撤离市场的背景是联储在2026年第三次提高现金利率以及政府宣布的税收政策改革，后者预计将于2027年7月生效，涉及负扣税和资本利得税的调整[1]。
Investor home loans in Australia have contracted sharply, declining 8.6% in the June quarter, marking the steepest drop since September 2022, according to data from the Australian Bureau of Statistics.[1] The pullback reflects a divergent trend within the investment lending market: loans for existing properties fell 14.8%, while construction loans for new dwellings rose 4.4% to reach historic highs.[1] Year-to-date, investor lending has contracted 12.9%, continuing a broader slowdown that has seen all home lending fall 5.4% over the period, with annual growth slowing dramatically from 19.4% in the March quarter to just 2.8%.[1]
The retreat is concentrated in Australia's largest states, with New South Wales experiencing a 15.5% decline in investment lending, followed by Victoria at 14.2% and Queensland at 10.1%.[1] Nationally, the average mortgage value has edged down from AUD 735,000 to AUD 731,000.[1] Mish Tan, head of financial statistics at the Australian Bureau of Statistics, characterized the movement as significant, stating that "this represents the largest decline in investor lending for the June quarter."[1] The pullback has been driven by the Reserve Bank's interest rate increases through the third quarter of 2026 and anticipated tax policy changes announced in the May budget, with negative gearing and capital gains tax modifications set to take effect in July 2027.[1]