Relevant bibliographies by topics / Housing Australia Finance

Academic literature on the topic 'Housing Australia Finance'

Author: Grafiati
Published: 10 December 2022
Last updated: 29 January 2023

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Journal articles on the topic "Housing Australia Finance"

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Yates, Judith. "Private finance for social housing in Australia." Housing Policy Debate 5, no. 2 (January 1994): 177–202. http://dx.doi.org/10.1080/10511482.1994.9521159.

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2

Wood, Gavin A. "Housing Finance and Subsidy Systems in Australia." Urban Studies 27, no. 6 (December 1990): 847–76. http://dx.doi.org/10.1080/00420989020080881.

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3

Ma, Le, Richard Reed, and Jian Liang. "Separating owner-occupier and investor demands for housing in the Australian states." Journal of Property Investment & Finance 37, no. 2 (March 4, 2019): 215–32. http://dx.doi.org/10.1108/jpif-07-2018-0045.

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PurposeThere has been declining home ownership and increased acceptance of long-term renting in many western countries including Australia; this has created a problem when examining housing markets as there are dual demand and include both owner-occupiers and investors. The purpose of this paper is to examine the long-run relationship between house prices, housing supply and demand, and to estimate the effects of the two types of demand (i.e. owner-occupier and investor) on house prices.Design/methodology/approachThe econometric techniques for cointegration with vector error correction models are used to specify the proposed models, where the housing markets in the Australian states and territories illustrate the models.FindingsThe results highlight the regional long-run equilibrium and associated patterns in house prices, the level of new housing supply, owner-occupier demand for housing and investor demand for housing. Different types of markets were identified.Practical implicationsThe findings suggest that policies that depress the investment demand can effectively prevent the housing bubble from further building up in the Australian states. The empirical findings shed light in the strategy of maintaining levels of housing affordability in regions where owner-occupiers have been priced out of the housing market.Originality/valueThere has been declining home ownership and increased acceptance of long-term renting in many western countries including Australia; this has created a problem when examining housing markets as there are dual demand and include both owner-occupiers and investors. This research has given to the relationship between supply and dual demand, which includes owner-occupation and investment, for housing and the influence on house prices.
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Lee, Chyi Lin. "An examination of the risk-return relation in the Australian housing market." International Journal of Housing Markets and Analysis 10, no. 3 (June 5, 2017): 431–49. http://dx.doi.org/10.1108/ijhma-07-2016-0052.

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Purpose Extensive studies have investigated the relation between risk and return in the stock and major asset markets, whereas little studies have been done for housing, particularly the Australian housing market. This study aims to determine the relationship between housing risk and housing return in Australia. Design/methodology/approach The analysis of this study involves two stages. The first stage is to estimate the presence of volatility clustering effects. Thereafter, the relation between risk and return in the Australian housing market is assessed by using a component generalised autoregressive conditional heteroscedasticity-in-mean (C-CARCH-M) model. Findings The empirical results show that there is a strong positive risk-return relationship in all Australian housing markets. Specifically, comparable results are also evident in all housing markets in various Australian capital cities, reflecting that Australian home buyers, in general, are risk reverse and require a premium for higher risk level. This could be attributed the unique characteristics of the Australian housing market. In addition, there is evidence to suggest that a stronger volatility clustering effect than previously documented in the daily case. Practical implications The findings enable more informed and practical investment decision-making regarding the relation between housing return and housing risk. Originality/value This paper is the first study to offer empirical evidence of the risk-return relationship in the Australian housing market. Besides, this is the first housing price volatility study that utilizes daily data.
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Wang, Justine, Alla Koblyakova, Piyush Tiwari, and John S. Croucher. "Is the Australian housing market in a bubble?" International Journal of Housing Markets and Analysis 13, no. 1 (April 12, 2018): 77–95. http://dx.doi.org/10.1108/ijhma-03-2017-0026.

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Purpose This paper aims to explore principal drivers affecting prices in the Australian housing market, aiming to detect the presence of housing bubbles within it. The data set analyzed covers the past two decades, thereby including the period of the most recent housing boom between 2012 and 2015. Design/methodology/approach The paper describes the application of combined enhanced rigorous econometric frameworks, such as ordinary least square (OLS), Granger causality and the Vector Error Correction Model (VECM) framework, to provide an in-depth understanding of house price dynamics and bubbles in Australia. Findings The empirical results presented reveal that Australian house prices are driven primarily by four key factors: mortgage interest rates, consumer sentiment, the Australian S&P/ASX 200 stock market index and unemployment rates. It finds that these four key drivers have long-term equilibrium in relation to house prices, and any short-term disequilibrium always self-corrects over the long term because of economic forces. The existence of long-term equilibrium in the housing market suggests it is unlikely to be in a bubble (Diba and Grossman, 1988; Flood and Hodrick, 1986). Originality/value The foremost contribution of this paper is that it is the first rigorous study of housing bubbles in Australia at the national level. Additionally, the data set renders the study of particular interest because it incorporates an analysis of the most recent housing boom (2012-2015). The policy implications from the study arise from the discussion of how best to balance monetary policy, fiscal policy and macroeconomic policy to optimize the steady and stable growth of the Australian housing market, and from its reconsideration of affordability schemes and related policies designed to incentivize construction and the involvement of complementary industries associated with property.
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Lin Lee, Chyi. "Housing in Australia as a portfolio investment." International Journal of Housing Markets and Analysis 1, no. 4 (October 3, 2008): 352–61. http://dx.doi.org/10.1108/17538270810908641.

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Naoi, Michio, Piyush Tiwari, Yoko Moriizumi, Norifumi Yukutake, Norman Hutchison, Alla Koblyakova, and Jyoti Rao. "Household mortgage demand: a study of the UK, Australia and Japan." International Journal of Housing Markets and Analysis 12, no. 1 (February 4, 2019): 110–30. http://dx.doi.org/10.1108/ijhma-03-2017-0029.

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PurposeHomeownership has been the main focus of housing policies in most countries. Typical means that households use to achieve homeownership is to take out a loan and supplement this with accumulated wealth for a downpayment. This paper aims to analyze the mortgage demand behavior of households in the UK, Australia and Japan.Design/methodology/approachUsing three panel data sets, HILDA for Australia, KHPS for Japan and USS for the UK, the paper estimates three equations using ordinary least squares: mortgage demand function, housing demand function and initial loan to value ratio function.FindingsThough homeownership is a preferred tenure and the mortgages are “recourse” loans, housing markets in these three countries operate in different mortgage market institutional structures. Results indicate that income elasticity of mortgage demand differ despite income elasticity of housing demand being similar. Different mortgage institutions in countries that pose constraints for borrowers also determine mortgage demand. Other factors such as demography and economic conditions have also played an important role in determining mortgage and housing demand.Originality/valueThe paper is first, to the authors’ knowledge, that explores the role of institutions in mortgage demand in a comparative framework for the UK, Japan and Australia.
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Cheong, Tsun Se, and Jing Li. "Transitional distribution dynamics of housing affordability in Australia, Canada and USA." International Journal of Housing Markets and Analysis 11, no. 1 (February 5, 2018): 204–22. http://dx.doi.org/10.1108/ijhma-01-2017-0003.

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Purpose The main purpose of this paper is to explore the transitional dynamics of housing affordability indicators of major cities in three developed countries: the USA, Canada and Australia, in the period after the global financial crisis. As the global housing markets are more interconnected today, it is essential to investigate the demographic movement pattern and their impacts on housing market dynamics. Design/methodology/approach Based on the Markov transition matrix approach and the stochastic kernel technique, a newly established framework named the mobility probability plot (MPP) is adopted to investigate the city-level trends of housing affordability in the three countries during the period 2008-2015. Findings The results suggest that the transitional dynamics of the USA’s housing affordability trend saliently differs from those of Canada and Australia: in the USA, MPP results reveal that when the price-to-income (P/I) ratio is higher than 3.5 times, it has a high tendency of moving downward in the next period. In Australia, housing affordability tends to continue deteriorating when the P/I ratios are in the range from 8.0 to 8.6. In Canada, the MPP analysis indicates that the P/I ratios tend to increase further when the ratios are between 5.7 and 7.0, and within the range of 8.3-9.5. Originality/value This paper adopts an innovative approach to explore the city-level trends of housing affordability in the three developed countries during the period 2008-2015. The distribution dynamics approach has several virtues: first, this approach does not merely focus on the issue of housing affordability but also includes an analysis of the underlying housing affordability distribution. Second, it can clearly show the mobility of the city-level units in terms of the P/I change. Third, it can predict the proportion of the entities in different P/I ratio bands in a number of years ahead and even in the long run.
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Chong, Fennee. "Housing Price and Interest Rate Hike: A Tale of Five Cities in Australia." Journal of Risk and Financial Management 16, no. 2 (January 18, 2023): 61. http://dx.doi.org/10.3390/jrfm16020061.

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Australian housing prices are reported to be overvalued and unaffordable for the past two decades. Many researchers and practitioners have attributed the persistent growth in housing prices to the prolonged period of low borrowing costs. However, due to inflationary pressure, the Central Bank has raised its cash rate consecutively in recent months. This paper aims to examine whether interest rate rises affect housing price in different parts of Australia. Evidence generated from the analysis reported bipolar results between the large and smaller cities, whereby housing prices in Sydney and Melbourne show a significant negative relationship with interest rate changes while Brisbane and the Gold Coast and Perth and Adelaide, respectively, are showing negative but insignificant results during the study period. Short-run trend projections on housing prices indicate that Sydney, Melbourne, Brisbane and the Gold Coast are on a downward trend while Adelaide and Perth will maintain its current momentum before plateauing out later next year. Likewise, control variables, such as oil prices, inflation rate and stock market performance, are found to be related to housing prices in larger cities only. These findings have implications on housing policy, house purchase decisions and investment portfolio management strategy.
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McDonald, Sharyn. "Social partnerships addressing affordable housing and homelessness in Australia." International Journal of Housing Markets and Analysis 7, no. 2 (May 27, 2014): 218–32. http://dx.doi.org/10.1108/ijhma-10-2012-0046.

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Purpose – The purpose of this paper is to examine the formation of a cross-sector partnership in which a collaborative response addressed the issue of affordable housing and homelessness in Melbourne, Australia. Factors leading to the formation and evolution of the relationship reveal how social partnerships in the housing/construction industry can be formulated. Design/methodology/approach – Semi-structured interviews were held with representatives of the three sectors involved in an innovative social housing model, the Elizabeth Street Common Ground project. Supported with background documentation, interviews were coded and the results contrasted against theories pertaining to cross-sector collaboration. Findings – Several factors contributed to the formation of this partnership, most notably the strong social imperative found within the organisational ethos of the participating organisations. The opportunity to replicate a well-trialled and successful model coincided with the desire among all partners to be part of the solution. Originality/value – The results provide an insight into the ingredients pivotal to the formation of a successful multi-sector partnership. It highlights the value in sharing the best practice and the importance of networks when tackling major global problems such as affordable housing and homelessness.
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Dissertations / Theses on the topic "Housing Australia Finance"

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Kidman, Matthew James. "Will an Ageing Population Impact Housing and Equity Prices in Australia from 2016 to 2050?" Phd thesis, 2016. http://hdl.handle.net/1885/117206.

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This thesis examines the impact an ageing Australian population will have upon real residential property and equity prices from 2016 to 2050. A study of the relationship between population age and key asset prices is germane, given Australia is experiencing a long term ageing cycle. The median age of the Australian population has been rising since 1970 and is forecast to keep increasing at a similar trajectory until at least 2050. Relatively low birth rates and the ageing of the post-WWII baby boom are driving this phenomenon. The Life Cycle Hypothesis (LCH) has traditionally been employed as the theoretical framework to understand the relationship between population age and asset prices. A combination of social changes, tax incentives and extended life expectancy, however, makes it difficult to apply the LCH to the Australian experience. As a result, this paper hypothesises a positive causal relationship exists between population ageing and asset prices, in particular housing. The thesis question is answered by analysing historical data through the construction of time series regression models for each asset class. The results from the historical study are applied to four population projections between 2016 and 2050 determined by changes in birth rates, net immigration and life expectancy. Future population projections are sourced from the Australian Bureau of Statistics. The results from the historical analysis support the hypothesis that an ageing population has been a positive for real house prices. As Australian’s have aged, they have progressively invested in housing, supporting strong real price growth. The extent of the positive impact however, is debatable given that non-demographic factors were also found to be highly influential. When the results from the historical housing analysis were applied to the projected population scenarios it showed real housing prices should continue to benefit from the ageing process. The historical equity regression model concluded the relationship between real equity returns and changes in population age have been positive but extremely weak. The analysis revealed that factors other than age have been the key drivers of real equity prices. As a result, it was found that the ageing process from 2016 to 2050 would have a minor positive impact on real equity prices. The thesis also undertakes an historical case study of the ageing process in Japan. Japan has one of the oldest populations in the developed world and is expected to age rapidly in coming decades. The Japanese case study disclosed a strong cohort effect produced by the post-WWII baby boom. Japan’s baby boom was short and intense, resulting in a major shock to residential property and equity prices. The Japanese experience can largely be explained by the LCH, further emphasising the special circumstances that exist in Australia.
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Books on the topic "Housing Australia Finance"

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Karamujic, Muharem. Housing affordability and housing investment opportunity in Australia. Houndmills, Basingstoke Hampshire: Palgrave Macmillan, 2015.

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Geddes, Sylvia. Evaluation of the administration of the Local Capital Works Program: A report for the Commonwealth Department of Health, Housing, Local Government, and Community Services. Woden, ACT: S. Geddes and Associates, 1993.

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Bourassa, Steven C. Over-investment in Australian housing? [Canberra: Australian Govt. Pub. Service], 1992.

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Karamujic, Muharem. Housing Affordability and Housing Investment Opportunity in Australia. Palgrave Macmillan Limited, 2015.

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Mortgage Stressbusters. Wrightbooks, 2009.

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National Housing Data Agreement Management Group (Australia), ed. Measuring housing assistance: National data standards developed under the 1999 Commonwealth State Housing Agreement. Canberra: Australian Institute of Health and Welfare, 2004.

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Book chapters on the topic "Housing Australia Finance"

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Hawtrey, Kim. "Affordable Housing Finance in Australia." In Affordable Housing Finance, 84–102. London: Palgrave Macmillan UK, 2009. http://dx.doi.org/10.1057/9780230244368_6.

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Yates, Judith, and María Belén Yanotti. "Australia's 25 Years with a Deregulated Housing Finance System." In Milestones in European Housing Finance, 37–53. Chichester, UK: John Wiley & Sons, Ltd, 2016. http://dx.doi.org/10.1002/9781118929421.ch3.

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Conference papers on the topic "Housing Australia Finance"

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"Real Estate Finance and Urban Economies: An Econometric Approach to Housing Prices in Australian Capital Cities." In 5th European Real Estate Society Conference: ERES Conference 1998. ERES, 1998. http://dx.doi.org/10.15396/eres1998_178.

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