七個物業市場神話可能會損害您購買房屋的機會

當人們想進入住房市場時，他們可能會相信一些關於住房的神話，而這些神話可能會損害您購買時的機會。

Ray White Group chief economist Nerida Conisbee has identified seven myths that could lead potential homeowners astray, even before they begin searching for a property.

雷·懷特集團（Ray White Group）首席經濟學家內里達·康尼斯比（Nerida Conisbee）已經確定了七個神話，這些神話甚至可能在他們開始尋找房地產之前，可能使潛在的房主誤入歧途。

“Property markets constantly generate debate and discussion, often leading to misconceptions about how they work,” she said. “These myths can influence decisions about buying, selling, or investing in property – sometimes leading people to miss opportunities or make choices based on incorrect assumptions.”

她說：“房地產市場不斷引起辯論和討論，通常會導致對它們的工作方式的誤解。” “這些神話可能會影響關於購買，銷售或投資財產的決策，有時會導致人們錯過機會或基於錯誤的假設做出選擇。”

Here are seven assumptions people make about the property market, and what they really say about real estate in 2025:

這是人們對房地產市場的七個假設，以及他們在2025年對房地產的真正說法：

People often think there is an ideal time to buy a home, but trends can be hard to predict.

人們經常認為是購買房屋的理想時間，但是很難預測趨勢。

1. “There is an ideal time to buy a house.”

1。“有一個理想的時間買房子。”

Ms Conisbee found many people think there’s a strategic moment to get into the housing market: making plans to buy at a certain time of year, or working off of predicted financial trends.

Conisbee女士發現，許多人認為進入住房市場有一個戰略時刻：制定計劃在一年中的一定時間購買或努力付諸實踐的財務趨勢。

However, she was quick to point out even the experts get it wrong, no matter how much data they have.

但是，她很快就指出，無論他們擁有多少數據，這些專家都會弄錯了。

“The best time to buy, sell, or invest in property is simply when you’re ready,” she said, “with enough savings, stable income, and clear housing needs.”

她說：“購買，出售或投資房地產的最佳時間就是在準備好時，有足夠的積蓄，穩定的收入和清晰的住房需求。”

“Making property decisions based on your situation rather than market predictions usually works out better.”

“根據您的情況而不是市場預測做出財產決策通常更好。”

If you do not time your purchase relative to your own financial stability, you can risk getting blindsided by stamp duty, legal fees and moving expenses.

如果您不花時間購買與自己的財務穩定性相對於自己的財務穩定性，則可能會因印花稅，律師費和搬家費用而蒙蔽。

House prices in some Australian areas can double in ten years, but others give homeowners a longer window. Picture: iStock

澳大利亞某些地區的房價可以在十年內翻一番，但其他人為房主提供了更長的窗口。圖片：Istock

2. “House prices double every 10 years.”

2。“房價每10年翻一番。”

With the cost of living crisis affecting everyone around Australia, people look to capital cities like Sydney and worry housing prices will double for every ten years that go by.

隨著生活危機的成本影響澳大利亞各地的每個人，人們都會尋找像悉尼這樣的首都城市，而擔心住房價格將在每十年中每十年翻一番。

It’s a common claim with some truth to it: some suburb home prices have doubled in a decade, while some doubled in just three years.

這是一個普遍的說法，這是一個真實的說法：一些郊區房價在十年中翻了一番，而在短短三年內，有些房價翻了一番。

However, it’s not a definitive statement, and these fears can be eased by taking a good look at where you want to buy.

但是，這不是一個確定的陳述，可以通過很好地看待您要購買的地方來緩解這些恐懼。

“Different cities and regions can experience vastly different growth rates,” Ms Conisbee said. “Local economic conditions, infrastructure development, and population trends all play crucial roles in determining property price movements.”

Conisbee女士說：“不同的城市和地區可能會經歷截然不同的增長率。” “當地的經濟狀況，基礎設施發展和人口趨勢都在確定房地產價格變動中起著至關重要的作用。”

2024 data showed it did take 10 years for house prices to double in Sydney, but cities like Melbourne and Adelaide took 14 years to double.

2024年的數據顯示，悉尼的房價確實需要10年的時間，但墨爾本和阿德萊德等城市花了14年的時間才達成一倍。

There is no guarantee housing prices might drop in the near future, but they may level out.

不能保證房價在不久的將來可能會下跌，但可能會升級。

3. “House prices could drop back down. I should wait and buy when it gets lower!”

3。“房價可能會下跌。我應該在降低時等待購買！”

Many housing hopefuls dream of prices similar to years past, where the property market seemed less daunting. Unfortunately, unless the housing market sees a dramatic shift, it’s unlikely to occur any time soon.

許多住房希望的價格與過去幾年相似，而房地產市場似乎並不那麼艱鉅。不幸的是，除非住房市場看到急劇轉變，否則不太可能很快發生。

Ms Conisbee said while events like the 2007-2009 financial crisis and the Covid-19 pandemic did affect house prices, these drops were brief – and only around six per cent.

Conisbee女士說，儘管像2007 - 2009年金融危機和Covid-19大流行的事件確實影響了房價，但這些跌幅很短，只有6％。

“Housing markets have proven remarkably stable, even during major economic shocks,” she said. “Strong population growth and limited housing supply, especially in cities, continue to support prices.”

她說：“即使在重大的經濟衝擊期間，住房市場也非常穩定。” “強勁的人口增長和有限的住房供應，尤其是在城市中，繼續支持價格。”

She added that a more likely scenario would be a levelling out of prices for a period of time. While this does not give new homeowners a clear window of when best to buy, a level market does give someone more time to choose before the next increase.

她補充說，更有可能的情況將是一段時間內的價格上漲。雖然這並不能為新房主提供最佳購買的清晰窗口，但水平市場確實給某人提供了更多時間在下次增長之前進行選擇。

Landlords are regularly blamed for rising rents, but are often following the larger housing market.

房東經常被指責為租金上升，但經常遵循更大的住房市場。

4. “Rents are rising because of landlords.”

4。“由於房東而租金正在上升。”

Most of us know of a bad landlord, either through personal experience or a horror story you heard from someone else. In a competitive market, many investors can be guilty of overcharging their residents – but Ms Conisbee said larger market trends were what dictated rising prices.

我們大多數人都知道一個壞房東，無論是通過個人經歷還是您從其他人那裡聽到的恐怖故事。在競爭激烈的市場中，許多投資者可能會犯有過度向居民收費的罪名 - 但Conisbee女士說，更大的市場趨勢是價格上漲的決定。

“What actually drives rent increases is the balance of rental properties versus people looking to rent,” she said, pointing to demand from a growing population of renters across the country. “Recent rent rises have more to do with housing shortages and increased demand than individual landlord decisions. This is why we often see rents stay flat or even fall in areas with lots of new apartments or declining populations.”

她說：“實際上推動租金增加的是租賃物業與尋求租金的人的平衡。”她指出，全國越來越多的租房者的需求。 “最近的租金上升與住房短缺和需求增加有關，而不是個人房東的決定。這就是為什麼我們經常看到租金在擁有許多新公寓或人口下降的地區保持平坦甚至落在的原因。”

Ms Conisbee added a landlord might be incentivised to keep prices competitive, or risk tenants moving to different available properties.

Conisbee女士補充說，可能會激勵房東以保持價格具有競爭力，或者風險租戶轉移到不同的可用物業。

A tenant’s ability to actually do this can vary, depending on their location and personal circumstances.

租戶實際上這樣做的能力可能會有所不同，具體取決於他們的位置和個人情況。

Negative gearing is a way for investors to reduce their taxes, but they’re one cog in the larger machine that is real estate.

負齒輪是投資者減少稅收的一種方式，但它們是房地產較大的機器中的一個齒輪。

5. “Negative gearing is why prices are so high.”

5。“負齒輪是為什麼價格如此之高的原因。”

Negative gearing is often seen as an attractive prospect for property investors. If the cost of holding an investment property for a year is greater than the money it makes, the difference can be marked as a taxable loss: potentially reducing the tax the investor might normally

負齒輪通常被視為房地產投資者的有吸引力的前景。如果持有一年投資財產的成本大於其賺錢的成本，則可以將差異標記為應納稅損失：有可能減少投資者通常可能的稅收