由于利率低、价格稳定以及收入增长,新西兰家庭负担能力在2025年Q3有所改善。 New Zealand home affordability improved in Q3 2025 due to lower rates, stable prices, and income growth.

新西兰的住房负担能力在2025年第三季度有所改善,全国负担能力指数从7月到9月上升1.6%,所有16个地区的年增长率为24.6%. Home affordability in New Zealand improved in the third quarter of 2025, with the national affordability index rising 1.6% from July to September and a 24.6% annual gain across all 16 regions. 低抵押贷款利率、全国住房中位价格下降0.5%至761 000美元以及收入稳定增长促成了这一趋势。 Lower mortgage rates, a 0.5% drop in national median house prices to $761,000, and steady income growth contributed to the trend. 到2025年7月,两年固定利率下降到5.59%,比当年下降了1.56个百分点。 The two-year fixed rate fell to 5.59% by July 2025, down 1.56 percentage points over the year. 惠灵顿年度改善幅度最大,为29.2%,而Gisborne由于价格上涨16%,承受能力下降13.8%。 Wellington saw the largest annual improvement at 29.2%, while Gisborne experienced a 13.8% affordability decline due to a 16% price surge. 区域可负担性从西海岸全国平均数的56%到丰蒂湾全国平均数的121%不等。 Regional affordability ranged from 56% of the national average in the West Coast to 121% in the Bay of Plenty.