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Write for me internet of things cyber vulnerabilities capsim capstone tips and strategy estancia maria behety fishing report ´╗┐welcome to : six update on the housing market for April 2008 18 a focus this month is to review the performance of the housing market over the first quarter of the year and examine the factors which are influencing market conditions Australian dwelling values held firm in March with the combined capital's continuing a softening trend recording a 0.2 percent fall while regional markets saw a 0.4 percent rise in values over the month over the first quarter of the year capital city dwelling values were down by almost one percent compared with a 1.1 percent lift in regional dwelling values the combined regional markets have been outperforming the capital cities since October last year with the strongest annual growth rates being recorded in the region's adjacent to Melbourne Sydney and Canberra Victoria's Geelong recorded the highest capital gains with 20 values up 10 percent over the past 12 months followed by the Southern Highlands and Shoalhaven region and New South Wales with a rise of nine and a half percent the Capital Region of New South Wales which includes Queanbeyan recorded a rise of 8.3 percent as did the Newcastle and Lake Macquarie region it seems that buyer demand has rippled away from the Capitals where growth and home values has been the strongest towards areas where housing is more affordable but also areas where jobs amenity and transport options are also reasonably plentiful across the capital cities cities continue to show the largest month-on-month declines with 20 values down by 0.3% in March to be three point nine percent lower since peaking in July last year Melbourne is down 0.2 percent and Adelaide is down 0.3 percent they were the only other capital cities to sea-dwelling values fall over the month at the other end of the spectrum is Hobart where dwelling values were 1.7 percent higher over the month Darwin recorded its first month on month rise in almost a year up 1% while subtle rises were also recorded across Brisbane Perth and a Canberra market across the combined capital city valuation segments is clear that value Falls have been most substantial across the premium end of the housing market analyzing collage indices data across deciles shows the only valuation based segments of the market place to record an annual fall over the past twelve months has been the most expensive 10% of properties where values are now down 3.8 percent further to this over the March quarter value declines were mostly recorded across the most expensive half of the market while the most affordable end of the market continued to record a subtle rise in values another noticeable trend is that unit values are now outperforming house values a trend that was reversed during the growth phase the stronger performance is subtly the combined capital's level with capital city house values down 1% over the March quarter while unit values were down a more moderate 0.7% more significant differences between houses and units can be seen in Sydney and Melbourne where housing affordability pressures are more evident relative to other capital cities Sydney unit values are up by 1.9 percent over the past 12 months while house values are down by 3.8 percent similarly in Melbourne unit values are 6.6 percent higher over the past 12 months while house values are up by just 4.9 percent the stronger performance from the unit sector may suggest that biomart is becoming more concentrated in the medium to high density sector where entry prices are lower and commuting times are often more convenient when compared with its similarly priced detached housing markets around the outer fringes of the city outside of Sydney and Melbourne where affordability constraints aren't as pressing its the detached housing sector that's showing stronger conditions growth conditions across Adelaide's housing market had eased over recent months with $20 edging 0.4 percent lower over the first quarter of the year the negative result was the byproduct of a 0.5% fall than house values which was partially offset by a 0.5 percent rise in unit values over the quarter over the past 12 months Adelaide dwelling values are up by 1.7 percent and transaction volumes are 1.3 percent higher year-on-year highlighting a reasonably steady but mild trend in housing market conditions the soft housing market trend is partly attributable to a weak population growth however jobs growth has been ramping up across South Australia which should help to support a turnaround in interstate migration which would help to boy housing demand based on the most recent trends in the housing market all signs currently point to a reasonably soft landing in Sydney and Melbourne dwelling values surged 75% and 59 percent higher respectively during the growth cycle since peaking last year City dwelling values have reduced by only 3.9 percent and Melbourne values are down by less than 1% are those dwelling values are still trending lower led by Sydney the rate of decline has noticeably eased over the past two months anecdotally this improving trend may be attributable to a subtle relaxation in credit policies for investment and interest only lending as well as ongoing strong population growth and an increase in first home buyer activity lenders have over achieved APRA's macro prudential guidelines with an annual credit growth for investment purposes tracking it just 2.8 percent per annum well below the limit of 10 percent additionally lending on interest only terms comprised only 15 point 2 percent of mortgage originations in December that's tracking at roughly half the upper limit of 30 percent considering lenders are well within these targets we may start to see more evidence of interest rate premiums for investment loans being wound back data from the RBA age at the end of March shows the average mortgage rate on three-year fixed-rate investment loans fell by 5 basis points over the month to 4.4 percent despite the sluggish annual growth rate for investment credit monthly aggregated credit data to February showed the fastest month-on-month increase in investment lending since May last year providing another hint that investment activity may be showing a subtle bounce back as lenders look to regain some market share the latest population data points to another reason why housing market conditions have remained buoyant the national population hasn't grown in this fast since 2013 overseas migration is trending higher which creates additional demand for housing the vast majority of overseas migrants arrive in New South Wales and Victoria however the trend in net overseas migration is tracking higher across most states another factor that may be supporting housing market conditions is the surge in first home buyer numbers particularly in New South Wales in Victoria which stamp duty concessions have been available since July last year in New South Wales prior to the concessions first-time buyers were just 8 point 8 percent of the owner occupier market and the proportion is risen to a recent high of 14.3% in December last year despite the potential improvement in credit availability credit policy is likely to be firmly under the spotlight following the banking Royal Commission considering housing affordability remains a significant barrier in the largest housing markets and rental yields are close to record lows even if the housing market is close to finding a floor the prospects for a rebound in capital gains like what we saw back in late 2016 and early 2017 are far less likely as always you can find more detailed information on the housing market on the research pages of the CoreLogic website at www.att.com/biz [Music] capstone cottages clubhouse order SUNY Plattsburgh.

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