News Brief: English
Summary
A Tasmanian first-home buyer, Erin Bell, has publicly criticized the state’s MyHome shared equity scheme after a six-month, unsuccessful attempt to use it, citing issues with relationship status assessments, property valuations, and processing delays.
Key Points
- Application Rejected Over Boyfriend: Bell’s initial application was declined because she had a boyfriend of five months, despite not sharing finances or living together. The lender later reinstated her as a single applicant.
- Difficulties Buying Existing Homes: Approved for a $440,000 loan, Bell found few properties in Hobart at that price. Sellers were reportedly deterred by the scheme’s 90-day processing time. One purchase fell through due to major structural defects.
- Failed New Build Attempt: Switching plans, Bell received a $506,000 quote to build. The bank’s valuer assessed it at $31,000 less, a figure the builder called “ridiculous” and below construction cost. A price reduction offer did not change the valuation.
- Industry & Official Responses: The builder reports very low conversion from MyHome enquiries to contracts. Officials defend the scheme, noting 956 successful purchases. They cite rigorous assessments and say processing time helps buyers understand their purchase. Some improvements, like a future interest rate discount, have been announced.
新闻简报：中文
摘要
塔斯马尼亚州的首套房购买者艾琳·贝尔在历经六个月未能成功使用政府”我的家园”共享产权计划后，公开批评该计划。她遇到的问题包括对恋爱关系的评估、房产估值以及冗长的处理时间。
关键点
- 因男友导致申请被拒：贝尔的首次申请因她有一位交往五个月的男友而被拒绝，尽管他们并未共同居住或共享财务。贷款机构后来恢复了她的”单身”申请人身份。
- 购买现房困难重重：贝尔获得了44万澳元的贷款预批，但在霍巴特很难找到该价位的房产。据报道，该计划约90天的处理时间让卖家望而却步。一次购房因房屋存在严重结构问题而失败。
- 新建房屋计划受挫：贝尔转而计划新建房屋，获得50.6万澳元的报价。但银行的独立估值低了3.1万澳元，建筑商称该估值”荒谬”，甚至低于建造成本。降价提议也未能改变估值结果。
- 行业与官方回应：建筑商表示，针对该计划的咨询最终能签订合同的比例很低。官方则为该计划辩护，指出已有956套房产通过计划成功购买，强调评估的严谨性，并表示处理时间有助于买家理解购房过程。银行已宣布未来将为符合条件的客户提供利率折扣。
Original Article Link: https://www.abc.net.au/news/2026-01-21/myhome-home-ownership-scheme-setbacks/106171584