REVEALED: How much of YOUR 支払う／賃金 now goes に向かって 支払う／賃金ing off a mortgage に引き続いて a 記録，記録的な／記録する 落ちる in house prices and why you should wait to buy a new home

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Houses in Australia are still unaffordable にもかかわらず a 記録，記録的な／記録する 落ちる in real 広い地所 values.

Moody's 投資家s Service, a 全世界の credit ratings 機関, calculated that home borrowers in Sydney were still 支払う／賃金ing 33 per cent of their 世帯 income on 月毎の mortgage 返済s.

経済学者s and the Reserve Bank of Australia 一般に define mortgage 強調する／ストレス as a 状況／情勢 where borrowers are 支払う／賃金ing a third or more of their income on home 貸付金 返済s.

Houses in Australia are still unaffordable にもかかわらず a 記録，記録的な／記録する 落ちる in real 広い地所 values (Sydney's Bondi Beach pictured)

During the past year alone, Sydney's median house and apartment prices have dived by 10.9 per cent,??CoreLogic data showed.

House prices have dived by a 記録，記録的な／記録する 16.1 per, or $169,146, since 頂点（に達する）ing in July 2017.?

A year ago, a Sydney mortgage swallowed up an 普通の／平均（する） 37.9 per cent of a 世帯's 支払う／賃金 before 税金.?

Now, a typical mortgage in Australia's biggest city 消費するs 33.2 per cent of a borrower's income, as of March 2019.

Moody's 投資家s Service, a 全世界の credit ratings 機関, calculated that home borrowers in Sydney were still 支払う／賃金ing 33 per cent of their 世帯 income on 月毎の mortgage 返済s (在庫／株 image)

Sydney, already Australia's most expensive 住宅 market, had the biggest 改良 in 住宅 affordability, even though the median house price of $880,594 is still more than 10 times an 普通の／平均（する） 十分な-time salary of $83,500.

In Melbourne, the 割合 of 支払う／賃金 要求するd to service a home 貸付金 fell from 31.6 per cent to 29.4 per cent, にもかかわらず a 9.8 per cent 減少（する） in house and 部隊 prices during the past year.

In Brisbane, where median house prices are a more affordable $538,544, home 貸付金s typically 消費するd 22.5 per cent of 支払う／賃金, compared with 23.8 per cent of 使い捨てできる 世帯 income year earlier.

Perth was Australia's most affordable 資本／首都 city, with mortgage 返済s taking up just 19.4 per cent of 世帯 income, although this was only a slight 改良 on 19.7 per cent a year ago.

In Adelaide, the 割合 of 世帯 income needed to 会合，会う mortgage 返済s 増加するd moderately from 21.8 per cent to to 23.1 per cent over the same time でっちあげる，人を罪に陥れる, as median house prices rose by 0.7 per cent.

Across Australia, mortgage 返済s 消費するd?26.5 per cent of 支払う／賃金 in March 2019, compared with?28.7 per cent a year earlier.

A typical mortgage in Sydney (pictured) 消費するs 33.2 per cent of a borrower's income, as of March 2019.?A year ago, a Sydney mortgage swallowed up an 普通の／平均（する） 37.9 per cent of a 世帯's 支払う／賃金

Moody's 上級の 分析家 Alena Chen said 住宅 affordability was likely to 改善する during the next year.

'住宅 affordability for new mortgage borrowers in Australia, which 改善するd over the year to March 2019, will continue to 改善する over the next 12 months, because of 拒絶する／低下するing 住宅 prices,' she said.

'More affordable 住宅 減ずるs the credit 危険s of newly 起こる／始まる mortgages.'

Moody's Analytics, another 独立した・無所属 arm of the 全世界の credit ratings 機関, last week 予報するing house prices at Ryde, in Sydney's north, would 急落（する），激減（する） by 15.8 per cent in 2019 alone.

It also 予報するd median house prices in Melbourne's inner-east to 急落（する），激減（する） by 16.3 per cent.

Moody's Analytics, another 独立した・無所属 arm of the 全世界の credit ratings 機関, last week 予報するing house prices at Ryde, in Sydney's north, would 急落（する），激減（する） by 15.8 per cent in 2019 alone

?It also 予報するd median house prices in Melbourne's inner-east to 急落（する），激減（する） by 16.3 per cent