O medium: reduced Chinese buying property in Australia-Australian real estate recession | Australia | | Chinese buying a House _ news
File photo: Australia House Reference news, May 22-Australian media say China suddenly abandon the Sydney property market, the next will be the real estate markets of Melbourne and other cities, why the hell is this?
Australia Australia website May 16 issue of the newspaper article said the answer is simple: China is currently undergoing a comprehensive reform, and we are in an unprecedented frequency continuous fight against our biggest trading partner. We'd better plan ahead, ready to confront the consequences of upsetting Chinese.
Article said that for a long time, Australia what is the fastest-growing industries in the economy is obvious, but are ignored by our politicians, they have no plans to face the new world of 2016-2017.
Sydney's largest real-estate developer Hali·teligubofu announced last week that Sydney housing market's sharp decline in the number of Chinese and other foreign buyers 50%.
Chinese buying houses, is a sharp decline in investment in mining industry of Australia avoid recession in one of the biggest factors.
Article said that if Australia's housing market continued to decline sharply the number of Chinese buyers, and the absence of other factors that offset the negative impact, Australia is likely to fall into recession. Although Australia Bank the profits won't suffer, but will also be affected.
We need to understand that China is tightening restrictions people take money out of China. However, Chinese citizens under normal conditions can be 10% a dwelling house abroad. This means they already have purchased the "uncompleted" (faster) the deposit required, to housing delivery usually then House 20% out of China, so when the House is completed, they will have a 30% of the House.
Before they can obtain outside China and the remaining 70%, but more difficult to go on this road.
Article said that with the financial pressures of Chinese tightening, in the Australia prudential regulation authority under the appeal, Australia's big banks have reduced lending, real estate appraised value of 70%, down from 60%, and announced that they will no longer allow overseas certificate of self-employed income.
Chinese people are creditworthy borrowers, on the Bank loans but we design does not correspond to their way of making money, so in the past, many of the Bank's credit Department Head encouraged the Chinese people to answer questions about the source of income, providing information half-truths.
Now some banks announced they have found that these "truths" of information. But the truth is that this mode of operation has long been well known, and almost all is under investigation for loans in repayment on time.
We not only use the loan amount does not exceed the real estate appraised value 60% of policy and markets such as in Melbourne, "second-hand" House appraised value well below the "new" the appraised value of the House.
Banks in real estate appraisal also apply lower standards. Therefore, bank loans usually account for only a fraction of the real estate transaction prices.
Article said that Chinese people can proactively identify problems, so buy Australia the significant decline in the number of the property.
In addition a number of other Chinese unhappy event makes the situation worse. Including denial of Chinese acquisitions Kidd company, and Oaks groups give up because of delays in the approval of the Australian Foreign Investment Review Committee investment in Australia's second-largest private hospital operator Healthscope. There is also the South China Sea issue.
Says China on Australia economy not only through home sales, but also through education and tourism, and the education industry and tourism is closely associated with the house purchase. Education industry and tourism development is fierce, but if the situation changes, we will have a very difficult time.
Look at some of the suburbs of big cities, many lifting equipment are being built for the Chinese House, they paid deposits of 10% and the remainder will be paid at property closing. They were given an oral commitment, but not allowing local banks to provide loans of legally binding contract.
Now, given China's foreign exchange controls tight, we have blocked their path to complete the transaction. Hali·teligubofu announces that he has paid all the debts, so I guess he would be for the Chinese to buy a large number of "uncompleted" financing. But other developers may not be able to help the Chinese people to complete the transaction.
Therefore, the Chinese people has a large area of residential transactions at risk of default. If that happens, real estate developers can go to the wall. They build 50% from the cost of the Bank and the rest from secondary mortgage lenders – some of whom used a bank loan.
Article said that risk is now, within the next 18 months, Australia part of the construction company into bankruptcy. Supervisory Board and Bank accused of targeting because they support local real estate developer, while customers out of developers. These are our low-level errors committed by the Bank. (Compile/Guo Jun)
Responsible editor: Kun Qu SN117
Article keywords:Australia Chinese buy
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澳媒:中国人减少在澳买房 澳地产业面临衰退|澳大利亚|中国人|买房_新闻资讯
资料图片：澳大利亚房子 参考消息网5月22日报道 澳媒称，中国人突然之间就抛弃了悉尼房地产市场，接下来将会是墨尔本和其他城市的房地产市场，这到底是什么原因呢？
澳大利亚《澳大利亚人报》网站5月16日刊文称，答案很简单：中国目前正在经历一场全面变革，而我们却在以前所未有的频率连续打击我们最大的贸易伙伴。我们最好未雨绸缪，准备面对惹恼中国人的后果。
文章称，很长一段时间以来，澳大利亚经济中发展最快的产业是什么显而易见，但却为我们的政客们所忽视，他们没有计划面对2016到2017年的全新世界。
悉尼最大的房地产开发商哈里·特里古波夫上周宣布，悉尼住房市场的中国和其他外国买家数量锐减了50%。
中国人购买住宅，是采矿业投资急剧下降的澳大利亚避免陷入衰退的最大因素之一。
文章称，如果当前澳大利亚住房市场中国买家的数量继续大幅下降，同时又缺乏其他抵消这一负面影响的因素，澳大利亚很可能会陷入衰退。尽管澳大利亚银行机构的盈利不会受到冲击，但也会受到影响。
我们需要了解，中国正在收紧限制国人把钱带出中国。不过尽管如此，正常情况下中国公民可以把一所住宅10%的房款带出国。这意味着他们已经有了购买“楼花”（期房）所需的押金，到房产交割时他们通常能再把20%的房款带出中国，如此当该住宅完工时他们就有了30%的房款。
以前他们可以在中国以外获得余下70%的房款，但如今这条路更难走了。
文章称，随着中国人的资金压力趋紧，在澳大利亚审慎监管局的呼吁下，澳几家大银行相继调低贷款额度，从房产评估价的70%降到60%，并且宣布，它们将不再承认海外的个体经营收入证明。
中国人一直是信誉良好的借款人，但是我们的银行贷款单上设计的问题无法对应他们的赚钱方式，因此在过去，许多银行信贷部门负责人鼓励中国人在回答有关收入来源的问题时，提供半真半假的信息。
现在一些银行却在大声宣布，他们已经发现这些“半真半假”的信息。然而真相是这种操作方式早已人所皆知，而几乎所有正在接受调查的贷款都在按时还款。
我们不仅采用贷款额度不超过房产评估价60%的政策，而且在墨尔本等市场，“二手”住宅的评估价要大大低于“新”住宅的评估价。
银行在做房产评估时也套用更低的标准。因此，如今银行贷款通常只占房产交易价格的一小部分。
文章称，中国人能够提前发现问题，所以购买澳大利亚房产的人数大幅下降。
此外其他一系列让中国人不悦的事件让情况变得更糟。其中包括拒绝中国人收购基德曼公司，以及中国奥克斯集团因澳外国投资审查委员会迟迟不批准而放弃投资澳大利亚第二大私立医院经营公司Healthscope。另外还有南中国海问题。
文章称，中国对澳大利亚经济的促进不仅仅通过住宅销售，还通过教育产业和旅游业，而教育产业和旅游业又与住宅购买紧密联系。目前教育产业和旅游业发展势头正猛，但如果情况发生变化，我们将迎来十分艰难的日子。
看看我们一些大城市的近郊，许多起吊设备正在为中国人建造住宅，他们支付了10%的押金，其余款项将在房产交割时支付。他们被给予各种口头承诺，但是没有可让当地银行提供贷款的具有法律约束作用的合同。
如今，考虑到中国的外汇管制趋紧，我们事实上已经阻断了他们完成交易的道路。哈里·特里古波夫宣布，他已经偿还了所有债务，所以我猜测他会为中国人购买的大量“楼花”融资。但其他开发商可能就没有能力帮助中国人完成交易了。
因此，中国人的住宅交易有大面积违约的风险。如果这种情况发生，房地产开发商只能去撞墙。他们建楼成本的50%来自银行，其余资金来自二次抵押出借人——其中一些人用的也是银行贷款。
文章称，如今的风险是，在未来大约18个月内，澳大利亚部分建筑公司将陷入破产。人们会把指责的矛头对准审慎监管局和银行，因为它们一边支持本土房地产开发商，一边却把开发商的顾客拒之门外。这些是我们银行犯下的低级错误。（编译/郭骏）
责任编辑：瞿崑 SN117
文章关键词： 澳大利亚 中国人 买房
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