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Articles on Housing

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Older Australians are not deterred by financial barriers as much as emotional ones, when it comes to downsizing. www.shutterstock.com

Why older Australians don’t downsize and the limits to what the government can do about it

When people do downsize, financial incentives are generally not the big things on their minds. And so most of the budget’s financial incentives will go to those who were going to downsize anyway.
Low-cost housing development on the city outskirts can expose owners to higher costs in the long run. Paul Miller/AAP

Affordable housing is not just about the purchase price

People are taking on larger future risks and costs just so they can buy a house. Increases in new home owners are seen as a positive development, but what if they can’t afford the ongoing costs?
The Conversation

Four ways an Australian housing bubble could burst

There’s been quite a bit of speculation over whether Australia has a property market bubble - where house prices are over-inflated compared to a benchmark - and when it might burst. According to housing…
Governments alone cannot bridge the gaps and support affordable housing for seniors. shutterstock

Social impact investment can help retirees get the housing and care they need

Any significant decline in home ownership or equity in a home impacts higher care needs: older people will not have an asset to sell to fund the bonds required to enter aged care accommodation.
A blockchain’s ability to move assets from one owner to another allows less dependence on intermediaries. www.shutterstock.com

How the blockchain will transform housing markets

There are many hidden costs and inefficiencies in housing markets. Blockchain is poised to transform that.
Treasurer Scott Morrison is eyeing bond aggregation as a way to finance social housing, but government funding is still needed under that model. Mick Tsikas/AAP

Affordable housing, finger-pointing politics and possible policy solutions

In the second part of our review of what The Conversation experts have to say about housing, we focus on affordability, social housing and what government can do about a growing crisis.
Data from the Australian Prudential Regulation Authority (APRA) reveals the average balance on housing loans has barely trended upwards over the last five years. Tracey Nearmy/AAP

Three charts on mortgage stress: it isn’t as bad as you might think

When you look at the data (in three charts) on mortgage stress, the systemic risk of people not being able to repay their home loans appears small.
APRA and its chairman Wayne Bryes may be more prescriptive on lending rules in an attempt to curb rising house prices. Mich Tsikas/AAP

The APRA bandaid for the housing market is wearing off

The government’s unwillingness to consider changing the tax system to fix housing affordability, makes it more likely that APRA may have to become even more prescriptive with its lending criteria.
People with intellectual disability face so many barriers to finding a home of their own that it’s hard to pick one. shutterstock

The forgotten 660,000 locked out of home ownership

Think it’s hard for first-home buyers? Ask people with an intellectual disability about it.
Co-working can be a refreshing change for many employees where the design of the workplace and the politics of their organisation means they are simply too tired. www.shutterstock.com

Co-working is evolving to combine co-living

Co-working spaces are evolving to suits the needs of a changing workforce.
The financialisation of housing has become central to wealth creation in Australian households. Andrey_Popov from www.shutterstock.com

Explainer: the financialisation of housing and what can be done about it

We now value the house as a wealth builder, not just a place to live in and raise a family. The result is a distorted investment market that makes home ownership and rental unaffordable.

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