聯邦政府推出的貸款保證方案意在幫助那些因為價格飆升而退出市場的農民
來源：Lucy Barbour, Kath Sullivan, ABC, 19 APR 2022, 原文網址
The federal government wants to help more people crack into the rural property market by guaranteeing 40 per cent of their loan deposits, as farm values soar.
由於農地的價格飆升，藉由提供40%貸款擔保，澳洲聯邦政府打算幫助更多人得以進入鄉村地區的土地市場。
Agriculture Minister David Littleproud says a re-elected Coalition government would act as the guarantor for 40 per cent (up to $1 million) of a commercial loan.
Agriculture Minister David Littleproud says a re-elected Coalition government would act as the guarantor for 40 per cent (up to $1 million) of a commercial loan.
農業部長大衛理托浦勞說，連任的聯合政府將會對一百萬元內的商業貸款作為其中40%的擔保人。
The $75-million Future Farmer Guarantee Scheme would be trialled over 18 months and is designed to attract more young farmers to the sector.
The $75-million Future Farmer Guarantee Scheme would be trialled over 18 months and is designed to attract more young farmers to the sector.
預算達七千五百萬元的未來農夫擔保計畫將會試行十八個月，並且設計來吸引更多年輕勞動力加入農業。
"Existing landholders are ageing [and] the average broadacre farmer is 62 years old, with only 10 per cent aged under 47," Mr Littleproud said.
"Existing landholders are ageing [and] the average broadacre farmer is 62 years old, with only 10 per cent aged under 47," Mr Littleproud said.
"現在的地主都日益老化，平均大農場主的年紀是62歲，只有10%的人年紀在47歲以下"，理托浦勞說。
The rural property market has been running hot with some farms doubling or even tripling in value and becoming unattainable for new buyers.
The rural property market has been running hot with some farms doubling or even tripling in value and becoming unattainable for new buyers.
鄉村土地市場的交易一直極為熱絡，有的農場的價格是翻倍、甚至是三級跳，變得讓新進買家望而卻步了。
Land prices have been driven up by record-low interest rates, record-high commodity prices and exceptional seasonal conditions.
Land prices have been driven up by record-low interest rates, record-high commodity prices and exceptional seasonal conditions.
土地價格由破紀錄的低利率、前所未見的大宗物資價格與難得一遇的季節因素驅動而攀升。
"Government sharing the risk means that the bank can offer better terms to suitable applicants, lower interest rates and lower equity requirements," Mr Littleproud added.
"Government sharing the risk means that the bank can offer better terms to suitable applicants, lower interest rates and lower equity requirements," Mr Littleproud added.
理托浦勞還說："政府共同承擔風險意味著銀行可以提供更優渥的條件給適合的申貸者、更低的利率與權益需求。"
But he cautioned that the scheme was "not a free-for-all" and applicants would need to demonstrate "on-farm experience", have a minimum deposit and be an attractive lending prospect for banks.
But he cautioned that the scheme was "not a free-for-all" and applicants would need to demonstrate "on-farm experience", have a minimum deposit and be an attractive lending prospect for banks.
但他警告這個方案不是"白吃的午餐"，申貸者將需要展現出"農務經驗"，持有基本存款，並且對銀行而言必須展現出是個具有吸引力的潛力股。
"The farmer is still on the hook for their loan," Mr Littleproud said.
"The farmer is still on the hook for their loan," Mr Littleproud said.
"農夫們依然還是要為自己的貸款負上全責"，理托浦勞說。
The scheme would open from January 1, 2023, and be administered by the government's Regional Investment Corporation.
The scheme would open from January 1, 2023, and be administered by the government's Regional Investment Corporation.
該方案將在2023年一月開辦，由澳洲地區投資總局管理。
The loans would be available for a maximum of 10 years, with the maximum loan-to-value ratio capped at 70 per cent.
The loans would be available for a maximum of 10 years, with the maximum loan-to-value ratio capped at 70 per cent.
貸款的期限最長可達10年，並且最高可以貸到農地價值的七成。
Mr Littleproud planned to announce the scheme at the National Rural Press Club's Agriculture Leaders debate in Canberra today as he goes head-to-head with Opposition agriculture spokesperson Julie Collins.
Mr Littleproud planned to announce the scheme at the National Rural Press Club's Agriculture Leaders debate in Canberra today as he goes head-to-head with Opposition agriculture spokesperson Julie Collins.
理托浦勞計畫於今天在坎培拉的國家鄉村媒體俱樂部舉辦的農業領袖辯論會中宣佈此計畫，他會在會中與反對黨的農業發言人朱莉科林絲一對一辯論。
Ms Collins is yet to detail Labor's agriculture policies but has said that Labor's climate change, regional housing and telecommunications policies would help the rural sector.
Ms Collins is yet to detail Labor's agriculture policies but has said that Labor's climate change, regional housing and telecommunications policies would help the rural sector.
科林絲還沒有明確列出工黨的農業政策，但她有說過工黨的氣候變遷、區域住宅與電信政策都將對鄉村區域大有助益。
註釋：
crack into：打入、開啟事業
broadacre：澳洲的大型農場
free-for-all：放任不受控制
on the hook for：負責
loan-to-value ration：貸款價值比，也就是貸款成數
沒有留言:
張貼留言