美国楼市依旧火热，许多买房客愿意多出10万美元购房
美国楼市如今火爆异常，为了买下自己理想中的房屋，每四名潜在购房者中就有一名愿意在预算之上再多花10万美元。
上述结论来自家装公司HomeAdvisor在今年1月发布的一项最新研究，该研究调查了2000名近期购置了房产的美国人。
不出所料，价格依然是购房者最看重的因素，不过也有超过60%的受访者表示，如果多花钱就能够确保自己买下理想的房屋，那么他们愿意加钱。
买家在购置房屋时常需权衡多种因素，包括位置、空间等，即便在新冠疫情爆发之前，加钱买房也不少见。不过从现在的情况看来，愿意加钱买房的潜在业主似乎比以前增加了不少。
房地产经纪服务公司Owners.com在2019年进行的一项研究发现，超过三分之一的购房者愿意在购买新房时比预算多花平均2万美元。但在2022年，面对“竞争激烈”的房产市场，研究发现，有25%的购房者愿意多花平均10万美元。该研究还发现，超过80%的购房者觉得自己在做出购房决策时有些仓促。
虽然10万美元不是一个小数目，但如果平摊到每个月的按揭还款额中，也就没有那么多了。举例来说，假设某位购房者支付了20%的首付，余下房款做了30年按揭，假设房价从40万美元增加到50万美元，每月则需要多还大约500美元。
席卷美国房产市场的“抢房大战”在短期内似乎不会放缓。一般而言，房产市场在每年的3月最为火爆，而且在经历又一年的新房供应短缺、房价高企之后，许多购房者或将只能失望而归。
2021年的在售房屋数量创下了过去40多年来的最低纪录，而今年春季，房屋库存仍然在继续下降之中。
不过，由于今年春天美国可能加息，还款金额上升或将促使部分购房者退出房产市场，从而降低需求，拉低价格。
不过也需要注意，在最大的新购房群体——千禧一代中，将有4500万人在2022年达到购买首套房的黄金年龄，届时他们必将开始考虑购买自己的首套住房。（财富中文网）
译者：梁宇
审校：夏林
美国楼市如今火爆异常，为了买下自己理想中的房屋，每四名潜在购房者中就有一名愿意在预算之上再多花10万美元。
上述结论来自家装公司HomeAdvisor在今年1月发布的一项最新研究，该研究调查了2000名近期购置了房产的美国人。
不出所料，价格依然是购房者最看重的因素，不过也有超过60%的受访者表示，如果多花钱就能够确保自己买下理想的房屋，那么他们愿意加钱。
买家在购置房屋时常需权衡多种因素，包括位置、空间等，即便在新冠疫情爆发之前，加钱买房也不少见。不过从现在的情况看来，愿意加钱买房的潜在业主似乎比以前增加了不少。
房地产经纪服务公司Owners.com在2019年进行的一项研究发现，超过三分之一的购房者愿意在购买新房时比预算多花平均2万美元。但在2022年，面对“竞争激烈”的房产市场，研究发现，有25%的购房者愿意多花平均10万美元。该研究还发现，超过80%的购房者觉得自己在做出购房决策时有些仓促。
虽然10万美元不是一个小数目，但如果平摊到每个月的按揭还款额中，也就没有那么多了。举例来说，假设某位购房者支付了20%的首付，余下房款做了30年按揭，假设房价从40万美元增加到50万美元，每月则需要多还大约500美元。
席卷美国房产市场的“抢房大战”在短期内似乎不会放缓。一般而言，房产市场在每年的3月最为火爆，而且在经历又一年的新房供应短缺、房价高企之后，许多购房者或将只能失望而归。
2021年的在售房屋数量创下了过去40多年来的最低纪录，而今年春季，房屋库存仍然在继续下降之中。
不过，由于今年春天美国可能加息，还款金额上升或将促使部分购房者退出房产市场，从而降低需求，拉低价格。
不过也需要注意，在最大的新购房群体——千禧一代中，将有4500万人在2022年达到购买首套房的黄金年龄，届时他们必将开始考虑购买自己的首套住房。（财富中文网）
译者：梁宇
审校：夏林
The housing market is so tight right now that one out of four prospective homebuyers is willing to go as much as $100,000 over budget if it means living in their dream home.
That’s according to a new study released in January from the home-improvement firm HomeAdvisor that surveyed 2,000 Americans who recently purchased homes in the current housing market.
Unsurprisingly, price was the most important consideration. But more than 60% of respondents also said that they would be willing to go over budget if it meant they could nail down their ideal home.
Homebuyers always had to juggle different priorities, including location, space, and other features, even before the pandemic, and going over budget to get the perfect home was far from unheard-of. But it appears that more prospective owners are willing to go much further over budget than before.
A 2019 study by real estate brokerage service Owners.com found that over a third of potential homeowners were willing to go $20,000 over budget on average when buying their new home. But in 2022’s study of the crowded housing market, 25% of home seekers were willing to pay five times as much. The study also found that more than eight out of 10 buyers felt as if they had been rushed into a decision faster than they were comfortable with.
Although that $100,000 is big, it becomes smaller factored into monthly mortgage payments. For example, if a homebuyer made a down payment of 20% on a home and took out a 30-year mortgage worth $500,000 rather than $400,000, the monthly payments would be around $500 more per month.
The wave of fierce competition currently sweeping the U.S. housing market shows little sign of slowing down in the near future. Real estate’s busiest season usually starts in March, and many homebuyers expect to be left disappointed after another year of dwindling home supply and high prices.
Last year’s housing market saw the lowest number of homes for sale in over 40 years, and inventory is still down heading into this spring.
It is possible, though, that with higher interest rates likely to happen this spring, higher annual payments will give some prospective buyers reason to rethink and pull back from the housing market, bringing demand and prices down.
But still, the largest demographic of new homeowners, millennials, are beginning to consider buying their first homes, as 45 million of them reach a prime age to do so in 2022.
