![]()
近年来，澳大利亚各地的房价都在下跌，但雷亚集团(REA Group)首席经济学家奈里达康尼斯比(Nerida Conisbee)表示，购房者和购房者可以采取行动，减轻冲击。
Conisbee说:“虽然房地产价格的波动可能超出我们的控制，但是我们可以通过经常评估我们的贷款利率和购买有关保险来管理风险。。”
“你应该经常评估你的房贷，并将其与你的业主及其竞争对手目前提供的房贷进行比较。如果你能在其他地方得到更好的交易，打电话给你现在的房贷提供者，因为他们可能会匹配它，给你一个更好的利率，”Conisbee说。
保护自己不受未来开支的影响
由于住宅销售放缓，贷款市场竞争激烈。在不需要再贷款的情况下审查你的房贷是否可以帮助保护你的资产，从长远来看可以为你节省很多钱。
Conisbee表示，防范市场波动的另一个主要考虑因素是保险。NobleOak首席执行长布朗(Anthony Brown)对此表示赞同。他看到了市场不稳定和保险不足的负面影响。
“对很多澳大利亚人来说，即使是在低利率的环境下，按揭房贷也是我们每个月最大的开销。如果一个意想不到的健康问题导致他们无法支付房贷，特别是如果他们在经济低迷时期被迫出售房屋，他们可能会陷入真正的财务困境，”布朗说。
![]()
他说:“保险、收入保障和永久伤残保险是保障家庭经济安全的重要考虑因素。如果你因为严重的疾病或受伤而无法工作，房贷和其他家庭账单将会得到妥善处理。如果情况更糟，你去世了，你的家人可能有经济能力继续留在家里。”
虽然44%的澳大利亚人(根据NobleOak的调查*)认为这类保险是头等大事，但它经常被忽视，尤其是当你还年轻的时候，但正如布朗所说，近年来房地产市场的不确定性只是证明，有些事情我们无法预测。
简而言之，要安然度过房地产市场低迷时期，在力所能及的地方保护自己。
“做得最好的人是那些将房产持有五年或更长时间的人。即使你是在市场的高峰期买进，这通常也会给市场足够的时间来复苏，”她表示。
“很难预测市场的波峰或波谷。在悉尼和墨尔本，房地产市场目前处于低迷状态，但似乎正在企稳。珀斯和达尔文市现在已经连续五年陷入低迷，而在澳大利亚其他地区，房地产市场相对稳定。”
“很难判断未来价格会发生什么变化。无论你是自住者还是投资者，在买房时最好考虑长远。”
Boom to bust: How to cope in a property downturn
House prices have dropped across Australia in recent years but according to Nerida Conisbee, Chief Economist at REA Group, home owners and buyers can take action to soften the blow. “While the movement of property prices may be out of our control, the ability to protect ourselves and our assets is not,” says Conisbee.
Key factors in mitigating the effects of the property downturn and protecting against further fluctuations, she says, include regularly reviewing your home loan and making sure you are adequately insured.
“You should assess your home loan often and compare it with current offers made by your provider and its competitors. If you can get a better deal elsewhere, ring your current home loan provider as they might match it or give you a better rate,” says Conisbee.
Protect yourself against future expenses
Since residential sales are slowing, the refinancing market is competitive. Reviewing your loan without having to refinance could help protect your assets and save you a lot of money in the long-run.
Conisbee says another primary consideration to protect against market volatility is life insurance. Anthony Brown, CEO of NobleOak, who’s seen the negative effects of an unstable market coupled with inadequate insurance, agrees.
“For many Australians, even in a low-interest rate environment, our mortgage is the most significant monthly expense that we have. Families can get into real financial trouble if an unexpected health event results in them being unable to pay their mortgage, particularly if they are forced to sell in a downturn,” says Brown.
“Life, Income Protection and Total Permanent Disability (TPD) insurance are important considerations — to protect the financial security of our families. The mortgage and other household bills would be looked after in the event of a serious illness or injury leaving you unable to work, and if the worse were to happen and you were to pass away, your family may have the financial means to remain in the family home.”
While 44% of Australians (according to a NobleOak survey*) see this type of insurance as a top priority, it is often overlooked, particularly when you’re young, but as Brown says, the uncertainty of the property market in recent years is only proof that there are some things we can’t predict.
In short, surviving a property downturn is about riding it out and protecting yourself where you can, and according to Conisbee, this involves adopting a long-term mindset.
“The people that do best are those that hold their property for five years or more. Even if you buy right at the peak of the market, this often gives enough time for the market to recover,” she says.
“It is very difficult to try to pick the peak or trough of the market. In Sydney and Melbourne, the market is currently in a downturn but appears to be stabilising. Perth and Darwin are now five years into a downturn, and in all other parts of Australia, the market is more stable.”
“It is very hard to judge what will happen to prices in the future. Whether you are an owner-occupier or an investor, it’s always best to think long-term when buying a property." |
|
转播
