美国三分之一租房人无力购房
多年来，千禧一代始终抗拒购房，有五分之一千禧一代计划一直租房，这一比例远高于其他年龄段。但如果说推迟购房以前是一种生活方式选择，2022年紧张的房地产市场让它变成了一个残酷的现实。
房地产经纪公司Redfin的最新调查显示，房价暴涨和日益沉重的债务负担，意味着每三名租房者中有一人被挤出了购房市场。
经济困难使近90%租房人的购房梦变得更加遥远。对于计划购房的租房人来说，现在可能是最糟糕的购房时机。
Redfin首席经济学家达里尔·费尔韦瑟在调查中表示：“许多美国租房者希望买一套自己的房子，但房价过高导致他们没有能力进入房地产市场，因此只能继续租房。”
有哪些人会选择一直租房？
人们在购房之前租房的时间延长了数年，其中千禧一代选择一直租房的比例最高，而且目前的房地产市场对于潜在购房人并没有太大吸引力。
过去两年，美国高房价成了常态，房价比疫情之前上涨了34%，仅过去12个月就上涨了18.8%。租房人可能希望以优惠的价格买到房子，但他们却赶上了无情的卖方市场，就连以卖房人开出的价格或者更低价格买到房子几乎都是不可能的。
Redfin调查发现，美国租房人放弃买房最普遍的原因是，他们的预算根本无法在一个合乎心意的社区买到房子。第二个常见原因是租房人没有足够的储蓄支付首付。
如何攒足够的钱交高额首付或者支付月供，是让每个潜在购房人都头痛的问题，但对于更年轻的千禧一代而言尤其严重，因为这一代人正面临着在所有代人中最糟糕的债务危机。
债务问题
Redfin调查发现，负债依旧是租房人购房路上最大的障碍之一。
接近一半租房人提到信用卡、学生债务或者医疗负债等，是他们无法攒够购房首付款的最大原因。千禧一代背负的助学贷款债务一项就超过1.5万亿美元，这成为他们购房的巨大障碍，尽管千禧一代是目前的购房主力。
债务负担导致许多年轻的潜在购房人推迟购房，放弃了购房这种经过实践检验在美国最有效的财富积累方法之一。
费尔韦瑟表示：“许多人无力购房是加剧收入不平等的因素之一。没有自己的房子意味着无法从房价上涨中获利，而在美国这是创造和传承财富的主要方式之一。”
上涨的抵押贷款利率已经开始给火爆的房地产市场降温，可能导致今年年末到2023年房价下跌。但按照当前的抵押贷款利率，计划购房的年轻人很难存够首付，因此他们不太可能在短期内结束租房生活。（财富中文网）
译者：刘进龙
审校：汪皓
多年来，千禧一代始终抗拒购房，有五分之一千禧一代计划一直租房，这一比例远高于其他年龄段。但如果说推迟购房以前是一种生活方式选择，2022年紧张的房地产市场让它变成了一个残酷的现实。
房地产经纪公司Redfin的最新调查显示，房价暴涨和日益沉重的债务负担，意味着每三名租房者中有一人被挤出了购房市场。
经济困难使近90%租房人的购房梦变得更加遥远。对于计划购房的租房人来说，现在可能是最糟糕的购房时机。
Redfin首席经济学家达里尔·费尔韦瑟在调查中表示：“许多美国租房者希望买一套自己的房子，但房价过高导致他们没有能力进入房地产市场，因此只能继续租房。”
有哪些人会选择一直租房？
人们在购房之前租房的时间延长了数年，其中千禧一代选择一直租房的比例最高，而且目前的房地产市场对于潜在购房人并没有太大吸引力。
过去两年，美国高房价成了常态，房价比疫情之前上涨了34%，仅过去12个月就上涨了18.8%。租房人可能希望以优惠的价格买到房子，但他们却赶上了无情的卖方市场，就连以卖房人开出的价格或者更低价格买到房子几乎都是不可能的。
Redfin调查发现，美国租房人放弃买房最普遍的原因是，他们的预算根本无法在一个合乎心意的社区买到房子。第二个常见原因是租房人没有足够的储蓄支付首付。
如何攒足够的钱交高额首付或者支付月供，是让每个潜在购房人都头痛的问题，但对于更年轻的千禧一代而言尤其严重，因为这一代人正面临着在所有代人中最糟糕的债务危机。
债务问题
Redfin调查发现，负债依旧是租房人购房路上最大的障碍之一。
接近一半租房人提到信用卡、学生债务或者医疗负债等，是他们无法攒够购房首付款的最大原因。千禧一代背负的助学贷款债务一项就超过1.5万亿美元，这成为他们购房的巨大障碍，尽管千禧一代是目前的购房主力。
债务负担导致许多年轻的潜在购房人推迟购房，放弃了购房这种经过实践检验在美国最有效的财富积累方法之一。
费尔韦瑟表示：“许多人无力购房是加剧收入不平等的因素之一。没有自己的房子意味着无法从房价上涨中获利，而在美国这是创造和传承财富的主要方式之一。”
上涨的抵押贷款利率已经开始给火爆的房地产市场降温，可能导致今年年末到2023年房价下跌。但按照当前的抵押贷款利率，计划购房的年轻人很难存够首付，因此他们不太可能在短期内结束租房生活。（财富中文网）
译者：刘进龙
审校：汪皓
More than any other demographic, millennials have been eschewing homeownership for years, with one in five members of the generation planning to rent forever. But if delaying buying a home was once a lifestyle choice, 2022’s strained housing market has turned it into a brutal reality.
Soaring costs for homes and increasingly severe debt burdens mean that one out of every three renters is getting completely priced out of the homebuying market, according to a new survey by Redfin, a real estate brokerage firm.
Financial obstacles are complicating the homeownership dream for nearly 90% of all renters. For the renters looking to buy, now may well be the worst time to do so.
“A lot of American renters want to buy a home, but they’re stuck renting because it’s simply too expensive to break into the housing market,” Daryl Fairweather, chief economist at Redfin, said in the survey.
Who are the forever renters?
The average number of years people rent before buying a home has been creeping up for years, led by the millennial forever renters, and the current housing market is doing little to incentivize potential homebuyers.
The past two years have normalized high home prices in the U.S., which have soared 34% higher than before the pandemic, and 18.8% over the past 12 months alone. Renters looking to get a good deal when signing a deed are running headfirst into an unforgiving seller’s market, where getting a home at or below asking price is next to impossible.
The Redfin survey found that the most common reason that U.S. renters have not gone on to buy a home is that doing so in a desirable neighborhood is just not even close to what their budget allows. And the second most popular reason was that renters didn’t have enough saved up for a down payment.
Saving enough money for large down payments or monthly mortgage payments is a headache for any prospective homebuyer, but it is especially troubling for younger millennials, who are dealing with one of the worst debt crises of any generation.
The debt problem
The Redfin survey found that debt remains the most prominent factor standing in the way of homeownership for all renters.
Nearly half of all renters cited some kind of debt—credit card, student, or medical—as the biggest reason they couldn’t save up enough for the big payments that buying a home involves. Younger millennials are saddled with over $1.5 trillion in student loan debt alone, a critical impasse to homeownership despite their being the biggest homebuying demographic on the market right now.
The debt burden is delaying many prospective younger buyers from owning a home, cutting a lifeline to one of the most tried-and-tested methods of wealth building in this country.
“The fact that buying a home is out of reach for so many Americans is a driver of inequality," Fairweather said: “Not owning a home means not benefiting from rising home values, one of the main ways to create and pass down generational wealth in this country.”
Rising mortgage rates are already drawing down the fervent competition for homes, which could lead to lower real estate prices later this year going into 2023. But younger home seekers are having trouble saving for today’s mortgage rates, making it unlikely that this demographic will be able to move on from renting anytime soon.
