According to the "Mirror" report, every year, when the people of the world start to count the top ten happiest countries in the world, the countries with the highest safety factors, the most suitable for human living, and the most perfect tourist destinations in the world, Australia always Be on the list. With extremely low crime rates, conflict rates, advanced medical standards, strict legal review systems, from education to transportation, and even the absence of smog, this country is perfect.

But are people living in Australia really so happy and carefree as the people of the world think? Do not! Australia’s prices are the seventh highest in the world. Prices in major cities such as Sydney and Melbourne are among the top ten in the world. Unemployment rates are rising, and housing prices are getting higher and higher. The health insurance that Australians have always been proud of may be changed to only the elderly. Enjoy with children. Nowadays, even utility bills have become a big concern for Australians!

Prices: The 10 most expensive cities in the world, Australia has two seats

Every year, the Economist Intelligence Unit (EIU) uses New York as a benchmark to analyze the cost of living in 131 cities in the world. Although Australia's ranking in the 2014 luxury list has declined, according to the global cost of living research report, Australia still occupies two of the world's most expensive cities list. Sydney and Melbourne are the 5th and 6th most expensive cities in the world respectively.Screen Shot at 2014 10-19-19.24.38

[Prices of daily necessities top the world by 159% higher than those in the United States]

The latest Deutsche Bank survey found that the cost of living in Australia is high, and the cost of food, clothing, housing and transportation is much more expensive than in New York, London and Frankfurt, whether it is staying in a five-star hotel, renting a car, taking public transportation, or buying cigarettes, beer, or iPhone And jeans, etc., are more expensive in Australia.

This global price survey deliberately does not interpret and analyze data, but shows the differences between countries through price comparisons. The results show that the cost of purchasing goods or services in Australia is staggeringly high. Sydney is the most expensive holiday destination, and the cost of leisure and entertainment is almost double that of New York.

According to the survey, you have to prepare for your life in Australia. If you plan to order a bouquet of roses in Australia on Mother’s Day, you will have to pay a relatively high price of US$139 than other countries.

In Australia, a McDonald’s burger costs US$4.9, which is 12% more expensive than the US, and a movie ticket (US$17.95) is also more expensive than the US (US$13). And a pack of Montblanc cigarettes is $17.22, while mainland China only costs $2.84. In addition, Australia is the most expensive country for beer. In general bars, the asking price of about 0.5 liter of beer is US$8.2, which is much higher than the US (US$6) and the UK (US$4.55).

Compared to Americans, Australians have to pay 159% more for daily necessities/services including cars, gasoline, mobile phones, and Big Macs, and the cost of dating is the highest in the world.

[Utilities cannot afford the cost of living, worrying Australians]

Worrying about the high cost of living has become the biggest worry for Australians. But the specific cost of living that Australians are concerned about mainly depends on where they live. The new study found that residents of NSW, ACT, Victoria and Queensland are most worried about utility bills, while residents of South Australia, Tasmania and the Northern Territory are most worried about housing expenditures-including mortgages and rents. In Western Australia, there is nothing more than food prices. Even more worrying.

In the latest half-year consumer anxiety survey, National Bank found that the cost of living is still the main source of public pressure. The cost of living pressure in Western Australia is greater than that of other states, followed by Tasmania, followed by South Australia and the Northern Territory.

Consumer anxiety in NSW is the highest in Australia, surpassing Victoria in the past six months. Consumer anxiety is a broad measurement index, including people's concerns about job security, concerns about the source of income after retirement, and concerns about government medical policies.

South Australia and the Northern Territory are the only two states where the cost of living is not the main source of anxiety, and the government policies that the local people are most concerned about.

Medical: National Insurance Restricted Private Insurance Price Increase

Australia has implemented a national health insurance system, namely medical care, since 1984. The state uses taxation to extract 1.5% of people's income as a medical fund, which is mainly used to pay for medical expenses in doctors and public hospitals. Under the health care system, all Australian permanent residents who choose public hospitals are eligible for free treatment, and doctors are appointed by the hospital. Government departments cooperate with professional organizations to ensure service quality and standards. Australia's medical system can be called the most complete and fairest medical system in the world.

Screen Shot at 2014 10-19-19.24.26

[National Health Insurance: Medicare subsidy or only for the elderly and children]

According to reports, the current Minister of Health, Peter Dutton, is likely to reconsider the proposal that the former Labor Party government vetoed before the May budget last year. Regarding this issue, the minister believes that those with financial means should bear more of their medical expenses.

According to the plan leaked to the Australian Financial Review, the way family doctors diagnose and treat patients and receive Medicare subsidies will undergo major changes. Only concessionary card holders and children can use the medical insurance card to transfer money, which can save 8.6 million yuan in five years.

The Ministry of Health proposes to implement gradual subsidies, with family doctors receiving the highest subsidies for concession card holders and children. The second highest subsidy is those who enjoy the family tax concession item A, and other people will receive less subsidy. Concession card holders and children can use the medical insurance card to transfer payments, but the latter two groups have to spend more money to make up for the difference between medical assistance and doctors’ fees.

The second suggestion can save 8.37 million yuan in five years: people who do not have a discount card will have to pay 5 yuan more when buying drugs on the drug discount list. That is to say, the standard price of many commonly used drugs will be 37.2. The yuan was raised to 42.2 yuan. Concession card holders also had to pay an extra 80 cents for each medicine, that is, the standard price rose from 6.1 yuan to 6.9 yuan.

[Private medical insurance: insurance costs will rise by an average of 6.2%]

Recently, many Australians have received warnings from insurance companies that starting from April 2014, 4, private medical insurance costs will rise by an average of 1%. This will also be the private medical insurance fees that Australians have encountered in the past ten years. The largest price increase.

Although the proportion of Australians switching to private insurance funds is still relatively low, Watson, the research department manager of financial services company Canstar, said that such a high increase will prompt people to reassess their insurance and consider switching to other funds. "They have to understand how big this increase is," he said. "After the price increase, is their insurance still worth the money? If they think the insurance premium has risen too much, then they should consider downgrading the insurance content and remove some Unused items, or increase the deductible (excess), especially the deductible of hospital insurance, because it will reduce their premiums.” One of the insurance company Bupa spokesperson Allison advised the public every few years Change to another insurance company. "It's easy to change companies now. You usually don't need to go through a new waiting period."

The latest data show that at the end of December last year, nearly 12 million Australians had hospitalization insurance and approximately 1100 million had conventional treatment insurance. Australian Private Health Insurance Association President Gass said that the number of people who change insurance funds is between 1280 and 3 every quarter.

Employment: Unemployment rate hits the highest in 10 years

According to the latest employment data released by the Australian Bureau of Statistics, in the first quarter of the past, the Australian workplace lost 3,700 jobs, causing the unemployment rate in Australia to rise from 5.8% to 6%. This was 2003. The unemployment rate in Australia has reached this level for the first time since July. Today, the unemployment rate of 7% is higher than the unemployment rate in Australia during the global financial crisis.Screen Shot at 2014 10-19-19.24.53

[The youth unemployment rate has soared and doubled in two years]

The youth unemployment rate in Australia continues to deteriorate. The youth unemployment rate in major suburbs and sub-developed areas has nearly doubled in the past two years.

According to the above report, the unemployment rate of youths aged between 15 and 24 has reached 12.4%. Among them, the average unemployment rate of youth in Victoria has reached 14%, and the employment problem of youth in the western and northern suburbs is the most serious, with the unemployment rate reaching 14.8%.

该报告还称,在过去两年中,包括Ringwood、Croydon和Lilydale在内的墨尔本东部远郊地区青年失业率增幅高达48%,上升至12.4%.墨尔本东部内城区青年失业率增幅也高达46%,从两年前的8.9%上升至当前的13.1%.维州西南部郊区和Warrnambol青年失业率高达16.6%,增涨了36%.

Schwenk, who is 21 years old and lives in Melbourne's western region, has been unemployed since graduating from high school. He said he was not picky, but he never got any response after posting many resumes. He hopes to become an apprentice carpenter after completing employment training courses at the Vocational and Technical Education Institute.

Nicholson, the head of the Brotherhood of Saint Lawrence, said that immediate action must be taken, otherwise the younger generation will be in trouble. "We thought that unemployment in the north and west is a very serious problem, but now it is increasingly difficult to find a job in the east. ."

The agency has now called on the government to reform the Australian youth employment strategy. Nicholson believes that more help should be provided to young people as they transition from the classroom to the workplace. The research report also pointed out that compared with two years ago, the unemployment rate in Cairns in Queensland has reached 20.5%, an increase of 88.39%; while the youth unemployment rate in the northern suburbs of Sydney in the northern suburbs of Baulkham Hills and Hawkesbury has reached 12%, an increase of 73.4%. .

[The "real" unemployment rate should be 13%: twice the official rate]

In fact, Australia’s current actual unemployment rate should be twice the official figure. The ABS report said, "Although the unemployment rate is the most commonly used measure of available labor, it is by no means a comprehensive analysis tool."

According to the current calculation method of the unemployment rate in Australia, even if a person only works one hour per week, he is still counted as "employed." It can be seen that combining the "underemployment" data with the official unemployment rate will give you an idea." A more comprehensive" state of the Australian labor market.

Hall, CEO of Mission Australia, a well-known charity in Australia, called on the government to reform the method of calculating the unemployment rate. He pointed out that the current 6% unemployment rate does not reflect those Australians who are receiving disability pensions or have given up looking for work. Mr. Hall said that the work provided by casual workers is very unstable-10 hours this week, 20 hours next week. This state of work makes it difficult for citizens to manage their own lives and living conditions.

Statistics show that the unemployment problem of young Australians is the most significant in the job market: young people aged 15 to 19, and nearly one-fifth of young people aged 20 to 24, are "underemployed".

Housing market: too hot, housing prices are rising

在持续近两年的疲软之后,澳洲房地产市场在2013年突然火爆起来。2013年,澳洲主要城市房产价格平均上涨近10%.根据澳洲房产监察数据显示,独栋房中位价在2013年里上涨了10万澳元,达到了763169澳元,这是10年来最强劲的增长。公寓房中位价上涨10.9%达到了541992澳元。当2013年12月,澳洲房产拍卖的增长率达到了6%.

[Nearly 40% of Australians postpone their first home purchase after age XNUMX]

生活成本高涨及飞速蹿升的房价是导致首置业者平均年龄增长的主要原因。30岁才购买第一套房的人数比例从2011年的54%增长至2012年的61%.新州16%的首置业者年过40岁,而这一比例还在迅速增长。

Take Naruil and Rod Brown, who have two children, as an example. They have been renting a house for more than 20 years and have given up their dream of buying a house. However, factors such as falling to historically low interest rates, a subsidy of 1.5 yuan for first home buyers, and exemption of stamp duty for purchases of new houses below 65 yuan have helped the Browns enter the housing market.

Recently, the Browns bought a three-bedroom duplex apartment for 43.4 yuan in Ingleburn Gardens Estate, Bardia District, Sydney. The Browns paid a 5% deposit first. Naruel Brown said: "We have almost no hope of buying a house. We never have enough savings around us. Every time we want to save some money, either the washing machine is broken, or the child wants to participate again. We need to pay for the short trips organized by the school." "But now we pay only 28 yuan more per week than the previous weekly rent."

However, this does not mean that repayment of the mortgage is an easy task. Although the social trend is that the older you are, the more money you can make, but the mortgage industry will not give preferential treatment to mature first home buyers. Mortgage Choice spokesperson Williamson said: "Banks will not age-discriminate borrowers, but will decide whether to approve loan applications from mature first home buyers based on the individual circumstances."

Williamson said that the period for repaying loans is generally 30 years, and mortgage providers will consider whether the borrower can afford the mortgage after retirement in his 60s. "When assessing whether the borrower can afford to repay the mortgage after retirement, the mortgage provider will take into account the borrower's retirement plan, such as pension, savings and asset status."

[Overseas investment hot money rushes into Australia, local home buyers meet resistance]

In 2013, Chinese buyers became the myth-makers of the Australian real estate market. In addition to large-scale purchases of real estate, a large number of Chinese companies have come to Australia to invest in real estate. China has become the third largest overseas investor in the Australian real estate industry after the United States and Japan. This situation, although stimulating the economy of Australia, also poses a strong threat to Australian home buyers.

A well-paid couple in Australia wanted to buy a bigger house on the north coast of Sydney, but they repeatedly delayed it. Because the houses they can afford will run into some trouble, they feel frustrated when they see Chinese buyers coming out, which usually means that they are out of the game. She said: "When more than one Chinese buyer is interested in a fancy house, we understand that it doesn't belong to us anymore. If we bid too low, we will definitely be out."

Sydney real estate developers who accompanied Chinese investors on property inspections stated that if Chinese buyers no longer purchase the properties they are interested in, local house prices will fall by 25%. The housing bubble will have a ripple effect, pushing Chinese investors to switch to other investments in Sydney field.

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