News Brief: English
Summary
First-home buyers using Tasmania’s government co-ownership “MyHome” scheme face significant hurdles in a competitive market, as sellers often reject their offers due to longer settlement times and stricter property conditions, despite over 900 properties being sold through the program in three years.
Key Points
- Scheme Basics: The Tasmanian MyHome scheme provides up to 40% (new home) or 30% (existing home) government co-ownership, repayable within 30 years.
- Buyer Struggles: Buyers report being overlooked by vendors despite making highest offers, due to a 90-day settlement period and strict property condition requirements.
- Market Reality: Real estate agents state sellers prefer faster, unconditional offers. MyHome buyers need a “generous owner” or a “diamond in the rough” property.
- Limited Options: Tasmania’s scheme has only one approved lender (Bank of us), offering a variable rate of 6.11%, higher than other home loans from the same bank.
- Government Stance: Homes Tasmania reports 930 successful sales and defends the process, stating extended timelines protect buyers from unforeseen costs.
- Critical Views: Some argue the scheme addresses a symptom, not the root cause of affordability, and may inadvertently push buyers to overbid.
新闻简报：中文
摘要
尽管塔斯马尼亚州的政府共有产权“我的家”(MyHome)计划在三年内已售出900多套房产，但使用该计划的首次购房者在竞争激烈的市场中面临重大障碍。由于交割时间较长和房产条件要求严格，卖家经常拒绝他们的出价。
关键点
- 计划基础：“我的家”计划为新房提供最高40%、二手房最高30%的政府共有产权，需在30年内偿还。
- 购房者困境：购房者报告称，尽管出价最高，但因长达90天的交割期和严格的房产状况要求，仍被卖家忽视。
- 市场现实：房地产经纪人表示，卖家更喜欢快速、无条件的出价。MyHome购房者需要找到“慷慨的房主”或“未经雕琢的钻石”般的房产。
- 选择有限：该计划目前仅有一家指定贷款机构（Bank of us），其提供的6.11%可变利率高于该银行的其他住房贷款产品。
- 政府立场：“家园塔斯马尼亚”(Homes Tasmania)报告了930笔成功销售，并为其流程辩护，称延长时间线可以保护买家免受不可预见的成本影响。
- 批评观点：有批评指出，该计划解决了负担能力的症状，而非根本原因，并可能无意中促使购房者过度出价。
Original Article Link: https://www.abc.net.au/news/2025-12-08/buyers-purchasing-property-with-myhome-shared-equity-scheme/106009682