Housing Market Trends and Analysis

This assignment delves into the complex dynamics of the Australian housing market. It examines the interplay of supply and demand factors, demographic trends, and government policies on both house prices and rental rates. The analysis specifically focuses on comparing the financial implications of buying versus renting a property over a 30-year period, considering variables like income growth, inflation, and initial investment costs. The goal is to understand which option proves more advantageous for Australian residents based on current market conditions.

RENT OR BUY

TABLE OF CONTENTS
INTRODUCTION...........................................................................................................................4
partA)...............................................................................................................................................4
Part B...............................................................................................................................................6
PART C............................................................................................................................................7
CONCLUSION................................................................................................................................8
REFERNCES...................................................................................................................................9
2

3

INTRODUCTION
The people that are well informed have differ question regards to Australian housing is
under-valued, over-valued or just right. It is highly depend upon the country financial conditions
that can be determined in terms of country interest rate, inflation rate that are highly affecting the
loan of housing. The inflation rate also affecting the price of a house. Thus, if there the house
loan is depreciate that means that there is an increase the rate of interest and inflation rate.
Whereas, the home loan is depreciate its means that there is a decrease in the inflation rate as
well as inflation rate (Frañczuk,2013). Therefore, most of the people are confusing whether to
buy or purchase house that are directly depends upon the certainty or uncertainty of a country
conditions. In this present assignment there is a mainly discussion on whether the person buy or
rent the house for a accommodation purpose it is highly depends upon the economic condition of
a Australian country. Thereafter, there is an also discussion upon the factors of demand and
supply that highly affecting the price of housing and rent in next 10 years.
PARTA)
There are various factor of demand and supply that are highly impacting the price of
housing and rent in the next 10 years. These factors are describe as follows:-
Demand (Factors)
 Interest rates- Interest rate basically a rate of inter bank changes in the form of treasury
bills etc. Due to change in interest rate, it will effect of purchasing power of individual
positively or negatively. Interest rate affect in housing in such a way that, if interest rate
was increases than the houses are available at a affordable price (Kim, Lee and Lee,
2014). Sell of home will rises and consumers are able to take low cost loan easily. If the
interest rate was decreases, than house prices will increases.
 Lending conditions- The lending conditions such as mortgages which was provided by
banks for willingness of taking house. If bank gives mortgage with high multiples, than
the demand of house will be higher. Banks which provide mortgage is depends on
strength of inter bank lending sectors. If bank gives lower mortgage in income multiples
than the demand of house will be decreases.
4

 Demographics- Demographics factors includes population, and number of reasons such
as marriage, children, cases of separations or divorce etc. which affect the housing and
rent. If all such factors are increases than the rate of house will be increases. If there were
high number of persons who have desire to get a house so that in this case the demand of
house will also increases as per the population. So that demographic factors make an
direct influence in demand of house.
 Immigration- Immigration is same as Demographic factors. When person shift one place
to another place, they require house for living. So that such migration factor also make an
impact on house rate or rent prices (Wang, 2015). When there were increases in
immigration rate than the house price will also be increases. Migration is done by special
location such as any location which provide employment, education, healthcare services
etc. In such areas there house price were high.
 Government policies- There are some government policies which also affect the demand
of housing and rent. Govt charges tax on housing, so that taxation policy will also make
an impact in housing. Govt charges wealth tax, Income tax or any kind of taxes on
individual's incomes. So that if the tax rate are higher than the price of house rate will
lower and If the tax charges by govt is lower than the price of house are higher.
 Home- owner grant- Home owner grant is grant which was provided to home owner,
who can buy there home in first time by offering $7000 grant. Such grant is free from tax
and but it is restricted in some states where the property price is change. It requires only
for an Australian citizen, person does not buy there own property in it, person having 18
year above age or not the person or person's spouse can make claim on it etc. So that all
these factors which is related to home owner grant make an impact in home pricing.
Supply(Factors)
 Land release- Land release objective is to increases the effectiveness of survey and
operation activities. Its main motive is to release the social group who live in a
community is to be release from mine remnants of war contamination. This process
overcome the challenges of land requirement for person's living. So that land release
affect the supply of house rate because if the price of land will high than the supply of
5

house rate will be increases and if the price of land is low than the supply of house will
be decreases.
 Apartment versus housing- The Cost of apartment and house are differ to there
location, size, recent renovations, number of rooms , state etc. In home there owner pay
there loan payment in the based on credit risk and employment status. Home also carry
the extra cost such repair and maintenance. But apartments and home both are shares
same living space (Narajabad and Monnet, 2012). The main difference of home and
apartment are the control on space. Apartments rental structure are different from home
rental structure. So that all these kind of factors will affect the price rate of home. In such
a way, if apartment's prices are low than there will be high supply of apartments as
compare to home or if home prices are decreases than the supply of home is increases.
 Micro lot property- Micro property includes such property which are allotted at micro
level in urban areas. So that there are any changes in micro property, it will automatically
affect the price of home.
PART B
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Initia
l
Depo
sit
($)
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0
0
Portf
olio
7
,5
5
,3
5,7
24, 6 6 7
7
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8
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9
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1
0,
1
1,
1
2,
1
2,
1
3,
1
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1
6,
1
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9,
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2,
2
3,
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8,
14

Valu
e ($)
0
0,
0
0
0.
0
0
5
0,
0
0
0.
0
0
500
.00
,
1
2
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,
2
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.
0
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,
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3
,
9
8
0
.
0
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.
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0
3,
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5
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0
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3
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0
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1
Less:
Capit
al
Gain
s Tax
($) - - - - - - - - - - - - - - -
-
- - - - - - - - - - - - - - -
Rent
Net
(Port
folio)
Valu
e ($)
7
,5
0
0,
0
0
0.
0
0
5
,3
5
0,
0
0
0.
0
0
5,7
24,
500
.00
6
,
1
2
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,
2
1
5
.
0
0
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,
5
5
3
,
9
8
0
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2
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.
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7.
3
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0
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5,
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6.
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1
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2
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1,
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9
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6
1.
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1
8,
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7.
6
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1
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3
4
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2
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1.
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2
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3
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3
4.
7
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2
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3.
2
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2
9,
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7
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4.
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3
1,
0
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3
3
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1
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3
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5.
2
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1,
2
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5.
2
1
15

4
Buy
Net
Valu
e -
Rent
Net
Valu
e
(
2,
2
5
0,
0
0
0.
0
0)
1
5
5,
0
0
0.
0
0
50,
650
.00
(
5
3
,
9
0
7
.
5
0
)
(
1
4
8
,
2
8
4
.
0
3
)
(
2
2
8
,
8
4
4
.
9
6
)
(
2
9
2,
8
3
3.
5
4
)
(
3
3
1,
2
7
8.
5
8
)
(
3
3
3,
1
7
8.
8
5
)
(
2
9
3,
0
0
3.
3
9
)
(
1
9
2,
3
9
6.
3
2
)
(
1
7,
5
4
3.
3
7
)
2
4
3,
2
7
3.
7
7
6
0
8,
4
6
1.
4
5
1
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9
7,
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1
0.
9
1
1
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3
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2
2
3
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6
2,
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5.
3
5
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3
2,
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8
8.
6
0
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0
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6
9.
9
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2
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6.
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9.
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1
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7,
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3
2,
5
1
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0
7
8
3
0,
3
2
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0
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6.
2
6
5
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7
5,
0
1
8,
6
0
8.
1
5
1
1,
4
2
8,
4
1
0,
1
2
2.
6
2
PART C
From the above excel sheet in which there is figures in tables show the data regards to
buy and rent. Under which, in which the house value is appreciate over a 30 years it is due to
because there is increase in the income growth rate goes upwards that will be 1.00% in 1 years,2
years 3.00%, 5.00% in 3 year, 7% in 4 years and so on. Thereafter, in the case of lease a house
the inflation rate will be constant 7% over a 30 years due which it affect the lease fee over next
30 years that will be also appreciating and the lessee have to deposit rent bond at the initial stage
that is 25,00,000. The difference among the buy net value and rent net value over a next 30 year
for which it has been analyses that the Australian people have to make rent decision rather than
buy accommodation.
CONCLUSION
Summarizing the whole report it has been concluded that there are various factors of
demand and supply that are highly affecting the price of rent and house. Demographics factors
includes population, and number of reasons such as marriage, children, cases of separations or
divorce etc. which affect the housing and rent. If all such factors are increases than the rate of
house will be increases. Furthermore, Land release objective is to increases the effectiveness of
16

survey and operation activities. Its main motive is to release the social group who live in a
community is to be release from mine remnants of war contamination. This process overcome
the challenges of land requirement for person's living.
17

REFERNCES
Books and journals
Narajabad, B.N. and Monnet, C., 2012. Why rent when you can buy? a theory of repurchase
agreements. In 2012 Meeting Papers (No. 647). Society for Economic Dynamics.
Kim, K.H., Lee, C.M. and Lee, Y.M., 2014. Rental housing system and housing market
volatility: Monthly‐rent based vs. asset‐based systems. The Global Financial Crisis and
Housing–A New Policy Paradigm, pp.296-312.
Frañczuk, M., 2013. Rent to Buy a Home–basic principles of the system. Comparison against the
Polish law. World of Real Estate Journal (Swiat Nieruchomosci), (84), pp.32-37.
Wang, G.J., 2015. Revisit buy versus lease/rent analysis. International Advances in Economic
Research, 21(3), pp.355-356.
18