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{{propApi.successMessage}} {{region}} Change locationDangerous dichotomy facing Australia
Dangerous dichotomy facing Australia
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Many of the factors on the left are similar to – if not worse than – the conditions that prevailed before the pandemic, resulting in much lower inflation and interest rates than today. Remember in late 2019, before anyone had heard about COVID-19, the RBA’s cash rate was at just 0.75 per cent and inflation wasn’t even able to sustain 2 per cent.
And yet, inflation and interest rates are persisting at so much more elevated levels than before, because the factors on the left are being completely over-powered by the factors on the right.
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A response to claims that Australia “has enough homes”
Recent commentary has suggested that Australia does not face a shortage of housing, but rather that housing affordability problems arise because too many homes are owned by investors instead of owner-occupiers.
Macroprudential Restrictions and Housing Supply in Australia
Australia’s housing affordability challenge is fundamentally the result of a persistent mismatch between strong underlying demand and chronically constrained supply. Planning systems, land availability, infrastructure charging and construction costs are widely recognised as the primary constraints on new housing delivery. By contrast, the role of housing finance settings, particularly macroprudential regulation, has received comparatively limited scrutiny.
Dangerous dichotomy facing Australia
The RBA’s decision this week following the recent resurgence of inflation highlights the dangerous dichotomy of Australia’s economy: households and businesses vs government.
Macroprudential Restrictions and Housing Supply in Australia
Australia’s housing affordability challenge is fundamentally the result of a persistent mismatch between strong underlying demand and chronically constrained supply. Planning systems, land availability, infrastructure charging and construction costs are widely recognised as the primary constraints on new housing delivery. By contrast, the role of housing finance settings, particularly macroprudential regulation, has received comparatively limited scrutiny.