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Digital Finance Analytics principal Martin North.The analysis is based on information from 52,000 household surveys, public data from the RBA, the Australian Bureau of Statistics and APRA, and private data from lenders and aggregators. Households are defined as “stressed” when net income does not cover ongoing costs.It comes as recent analysis of ABS surveys by property research firm CoreLogic found nearly three out of four households are indebted — and the richer you are, the more debt you’re likely to have.“The results are not necessarily what you’d expect with higher income households more likely to be over-indebted than lower income ones,” CoreLogic research analyst Cameron Kusher said.According to Digital Finance Analytics, the debt-to-income ratios in severely stressed households were on average eleven times their current annual incomes.More from newsMould, age, not enough to stop 17 bidders fighting for this homeless than 1 hour agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investorless than 1 hour agoA survey by HashChing found 92 per cent of mortgage brokers believe interest rates will stay on hold this month.WORST POSTCODES FOR MORTGAGE STRESS IN QLD4350 (Toowoomba region)4670 (Bundaberg region)4740 (Mackay region)4680 (Gladstone region)4870 (Cairns region)4211 (Nerang, Gaven, Carrara, Pacific Pines)4655 (Hervey Bay region)4701 (Rockhampton region)4551 (Caloundra, Currimundi, Dicky Beach)4570 (Gympie region)4207 (Beenleigh, Logan)4300 (Gailes, Goodna, Springfield, Brookwater)4556 (Buderim, Kunda Park, Sippy Downs)4069 (Brookfield, Chapel Hill, Fig Tree Pocket, Kenmore)4053 (Everton Park, Stafford, Mitchelton)4165 (Mount Cotton, Redland Bay, Victoria Point)4305 (Ipswich region)4017 (Bracken Ridge, Brighton, Deagon, Sandgate)4220 (Burleigh Heads, Burleigh Waters, Miami)4152 (Camp Hill, Carina, Carina Heights, Carindale) .Even households in affluent suburbs are now being impacted by mortgage stress, according to Digital Finance Analytics.Digital Finance Analytics principal Martin North said continued pressure from low wage growth and rising living costs meant those households with bigger mortgages were especially under pressure.“A rising number of more affluent households are being impacted as the contagion of mortgage stress continues to spread beyond the traditional mortgage belts,” he said.“Some households are now making larger mortgage repayments following out of cycle interest rate rises, and are simultaneously facing higher power prices, council rates and childcarecosts.“This remains a deadly combination and is touching households across the country, not just in the mortgage belts.” MORTGAGE STRESS .. Couple and baby in dining room with laptopALMOST 50,000 households are at risk of defaulting on their home loans in the next 12 months and nearly a third of homeowners are in mortgage stress, new figures show.The latest mortgage stress and default modelling from Digital Finance Analytics for the month of September reveals more than 905,000 households are estimated to be in mortgage stress — 45,000 more than there were the month prior.And even high income households are feeling the squeeze.The numbers have been crunched ahead of the Reserve Bank of Australia’s October board meeting, with the official cash rate expected to remain unchanged at 1.5 per cent. Housing markets continue to cool Tenants from hell on the rise Swim star buys on the Goldie Of those households, 18,000 are in severe stress, which means they are unable to meet home loan repayments with their current income.In Queensland, the number of households in mortgage stress increased by 21,500 to 168,051 in September, with around 9,100 of those at risk of default.But if interest rates were to rise by just 0.5 per cent, that figure would jump to more than 197,000 households in stress. GET THE LATEST REAL ESTATE NEWS DIRECT TO YOUR INBOX HERE The worst affected regions include Toowoomba, Bundaberg, Mackay, Gladstone, Cairns and Hervey Bay.But higher income postcodes incorporating the Brisbane suburbs of Camp Hill, Carina, Brookfield and Fig Tree Pocket are also feeling the pinch. The RBA is expected to hold the central cash rate steady at 1.5 per cent at its October board meeting. Image: AAP/Dean Lewins.
Newly released dashboard camera video shows a shoplifting suspect pointing a gun at an Indian River County Sheriff’s Office deputy just before he took his own life on Tuesday.The video shows the final moments of the encounter between the deputy and Ronnie Spradlin, who shot himself in the head, an autopsy revealed.The incident occurred just before 6 p.m. Tuesday outside the Walmart on the corner of State Road 60 and 58th Avenue.Sheriff Deryl Loar says deputies were called to a shoplifting complaint.When they arrived, the 43-year-old suspect pulled out a gun and shot at them, before trying to carjack a family that was visiting from out of town.A mother and father, whose two children were in the back seat, were injured while trying to escape and were taken to a hospital. Both are expected to recover.Spradlin then carjacked another person and drove away. However, he came to a dead end while being followed by a deputy.The suspect then pointed a gun at the deputy, who fired several shots through his windshield.Autopsy results later revealed that Spradlin shot himself in the right temple. He died at the scene.“The video will clearly show you that the coward takes his own life,” Loar says.Investigators determined the suspect was an 88-time felon who had been wanted for burglary in Virginia.The three deputies were not injured, but are on paid leave, which is standard procedure in such cases.