澳大利亚悉尼和墨尔本郊区的房主正因利率上升和生活成本增加而陷入严重财务困境。根据标普全球评级数据，墨尔本帕克汉姆（Pakenham）的抵押贷款逾期率在6月达到2.88%，远超全国平均的0.85%1。悉尼西部的康斯蒂图申山（Constitution Hill）逾期率为2.42%，墨尔本外西部的波因特库克（Point Cook）为2.4%，悉尼西北部的鲍卡姆山（Baulkham Hills）为2.26%，墨尔本外西部的布鲁克菲尔德（Brookfield）为2.04%1。
面对日益加重的债务负担，受困房主正采取多种应对措施。部分借款人要求将贷款期限从25年延长至27年、28年或30年1。此外，一些房主选择出售房产或与父母合购应对压力1。房屋市场方面，全国房屋价值在8月下跌0.9%，较3月峰值下降3.6%1。对于未来利率走向，各大银行预测存在分歧：澳大利亚国家银行预测9月澳大利亚央行将再次加息，而联邦银行和澳新银行则预测9月维持不变但11月再次上升1。
Homeowners across suburban Sydney and Melbourne are facing mounting financial strain as rising interest rates and elevated living expenses push growing numbers into mortgage arrears.1 According to S&P Global Ratings data, several suburbs have emerged as particular hotspots for mortgage distress, with delinquency rates far exceeding the national average of 0.85% recorded in June.1
Pakenham in Melbourne's outer southeast recorded the highest share of overdue mortgages at 2.88% in June, significantly above the national benchmark.1 Constitution Hill in western Sydney followed at 2.42%, while Point Cook in Melbourne's outer west stood at 2.4%, Baulkham Hills in Sydney's northwest at 2.26%, and Brookfield in Melbourne's outer west at 2.04%.1 National house values declined by 0.9% in August, sitting 3.6% below the March peak.1
Struggling borrowers are resorting to various coping strategies to manage their obligations. Some have requested loan term extensions, seeking to stretch their repayments from the standard 25 years out to 27, 28, or even 30 years.1 Other homeowners are considering selling their properties or entering into shared ownership arrangements with family members.1 Meanwhile, the Reserve Bank's interest rate trajectory remains uncertain, with the National Australia Bank predicting another rate increase in September, while Commonwealth Bank of Australia and ANZ forecast rates will be held in September but rise again in November.1
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