Australian Housing Dynamics and Affordability

180 120 60 大 % AUSTRALIAN HOUSING HOUSEHOLD DEBT 1993 1998 HOUSEHOLD DEBT¹ Per cent of household disposable income HOUSEHOLD BALANCE SHEET2 Relative to disposable income 1% % Assets 500 Total** 180 400 Housing & personal 120 300 Housing (owner-occupier) Personal 2003 2008 200 60 Housing (investor) 100 2013 2018 Household disposable income is after tax, before the deduction of interest payments, and includes income of unincorporated enterprises Sources: ABS; APRA; RBA ** Includes debt of unincorporated enterprises and debt owed to non-financial organisations (e.g. HECS-HELP) Sources: 1. RBA Speech: "Property, Debt and Financial Stability", March 2019. 2. RBA. Financial Stability Review, October 2019 Superannuation Other financial assets Durables Housing Housing debt % Liabilities Other liabilities + 1989 1999 2009 2019 Other financial assets include financial assets held outside of superannuation; other liabilities include personal credit, student loans and other household liabilities Sources: ABS; RBA 500 400 300 200 100 ANZ 123

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