根据Cotality调查，超过75%的澳大利亚人愿意削减日常支出以实现购房梦想，这一比例高于加拿大、美国和英国等国家1。年轻人成为做出财务牺牲最积极的群体，他们通过减少外出就餐、放弃拥有汽车和推迟度假等方式来积累购房资金1。
然而，澳大利亚购房者面临严峻的融资现实。只有25%的人表示支付房屋前期成本时感到财务舒适，26%表示可以无需改变生活方式就支付月度还款1。大多数购房者期望的抵押贷款利率为平均4.9%，但目前实际利率仍为6.3%，这一差距使许多潜在买家望而却步1。购房压力还推高了与父母同住的年轻人比例，26至29岁与父母同住的人口比例从2012年的19.6%上升至2024年的21.9%，其中年轻男性比女性更可能留在家中，差异接近10个百分点1。
More than 75% of Australians are willing to cut spending to purchase property, a proportion exceeding that of Canada, the United States, and the United Kingdom, according to a Cotality survey.1 Young people are leading this trend, with Generation Z most prepared to make significant financial compromises to accumulate down payment funds.1 These sacrifices include reducing dining out, forgoing car ownership, and postponing holidays.1
The challenge reflects broader housing affordability pressures across Australia. Only 25% of Australians report feeling financially comfortable when covering upfront home purchase costs, while 26% say they can manage monthly mortgage payments without altering their lifestyle.1 Most Australian homebuyers indicate they would only enter the market if mortgage interest rates fell to an average of 4.9%, yet current rates remain at 6.3%.1
Living arrangements among young adults underscore the difficulty. The proportion of 26- to 29-year-olds living with parents rose from 19.6% in 2012 to 21.9% in 2024, with young men significantly more likely than women to remain at home, a difference approaching 10 percentage points.1
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