年轻的澳大利亚人面临住房成本上升和严格的贷款规则,将许多人推向财政压力,加深不平等。 Young Australians face rising housing costs and strict lending rules, pushing many into financial strain and deepening inequality.

澳大利亚青年,特别是第一次买家,在过去几年中,由于住房价格在一些地区几乎翻了一番,因此很难进入住房市场。 Young Australians, especially first-time buyers, struggle to enter the housing market as home prices have nearly doubled in some areas over the past few years. 贷款人根据家庭支出计量标准(HEM)使用严格的可使用性测试,这是30多岁夫妇保守的40 000美元年度基准,远远低于实际生活费用和舒适退休所需的75 000美元。 Lenders use a strict serviceability test based on the Household Expenditure Measure (HEM), a conservative $40,000 annual benchmark for a couple in their thirties, which falls far short of actual living costs and the $75,000 needed for a comfortable retirement. 这一差距使许多借款人尽管通过了贷款评估,但财政上仍很紧张。 This gap leaves many borrowers financially strained despite passing loan assessments. 由监管和金融压力造成的投资者退出驱动的租金市场萎缩增加了租金,减少了储蓄机会。 A shrinking rental market, driven by investor exits due to regulatory and financial pressures, has increased rents and reduced savings opportunities. 依靠父母(称为 " 父母银行 " )的财政支助 -- -- 普遍的不平等,使房屋所有权日益依赖于家庭财富。 Reliance on financial support from parents—known as the "Bank of Mum and Dad"—widens inequality, making homeownership increasingly dependent on family wealth.