澳大利亚9月季投资者房贷骤降30.6%：住房新贷总笔数降15%
澳大利亚统计局（Australian Bureau of Statistics，ABS）11月11日发布2026年9月季度贷款指标：经季节调整，澳大利亚投资者住房新贷笔数单季骤降30.6%至35,301笔，金额下降32.3%至247亿澳元；与一年前相比，投资者新贷笔数下降38.5%。这是该局当日发布的住房贷款数据中最醒目的一项变化。
住房贷款整体同样大幅回落：新贷总笔数下降15.0%至111,878笔，总金额下降15.5%至812亿澳元。自住买家新贷笔数下降5.3%至76,578笔，降幅明显小于投资者；首次置业买家新贷笔数下降8.6%至26,415笔，金额下降8.0%至162亿澳元。
据澳大利亚联合通讯社（AAP）报道，ABS 金融统计负责人 Mish Tan 表示，数据表明投资者活动正受到借贷成本之外的因素影响，包括税制变化的潜在影响，以及对房价走低的预期。9月季是澳大利亚联邦政府5月预算收紧负扣税与资本利得税优惠之后第一个完整季度。
同据 AAP 报道，澳大利亚住房部长 Clare O'Neil 表示，这批数据表明市场平衡正向买来自己住的人、尤其是首次置业者回摆：自住买家占全部新贷的比例已由预算前的59%升至68%。建筑行业则有不同看法，Master Builders 首席执行官 Denita Wawn 称，削减投资者税收优惠的同时叠加利率与建筑成本上升，正在让建筑业承压；反对党住房事务发言人 Andrew Bragg 则称整体放贷下滑是「灾难」。
ABS 的贷款指标统计的是借款人新获批的贷款承诺，不含再融资。按该局同日数据，9月季自住买家外部再融资笔数为63,475笔，环比下降3.8%。
Australia Investor Home Loans Plunge 30.6% in September Quarter as Total Housing Lending Falls 15%
CANBERRA — The Australian Bureau of Statistics (ABS) released its lending indicators for the September quarter 2026 on November 11, showing that the number of new investor loan commitments for dwellings fell 30.6% in the quarter to 35,301, while the value fell 32.3% to A$24.7 billion, in seasonally adjusted terms. Compared with a year earlier, investor loan numbers were down 38.5%.
Housing lending fell sharply overall: total new loan commitments for dwellings dropped 15.0% to 111,878, and their total value fell 15.5% to A$81.2 billion. Owner-occupier commitments fell a much shallower 5.3% to 76,578, while first home buyer commitments fell 8.6% to 26,415, with their value down 8.0% to A$16.2 billion.
According to the Australian Associated Press (AAP), ABS head of finance statistics Mish Tan said the data suggested investor activity was being influenced by factors beyond increasing borrowing costs, including the potential impacts of tax changes and expectations of lower house prices. The September quarter was the first full quarter since the federal government's May budget curbed negative gearing and capital gains tax concessions for investors.
AAP also reported Housing Minister Clare O'Neil saying the figures showed the balance shifting back toward owner-occupiers and first home buyers, with owner-occupiers' share of total home loans climbing to 68% from 59% before the May budget. The construction industry took a different view: Master Builders chief executive Denita Wawn said cutting investor tax incentives alongside rising interest rates and construction costs was hurting building activity, while opposition housing spokesman Andrew Bragg called the fall in overall lending a disaster.
The ABS lending indicators count new borrower-accepted loan commitments and exclude refinancing. The bureau reported 63,475 external refinancing commitments by owner-occupiers in the quarter, down 3.8%.
来源：澳大利亚统计局
发布：GSM·美国（发布链接）
图片来源：图：澳大利亚 Sydney 海港夜景。J woodward 摄，CC BY-SA 3.0，经 Wikimedia Commons。 / Photo: Sydney Harbour at night, Australia. Photo by J woodward, CC BY-SA 3.0, via Wikimedia Commons.
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