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美国年轻人购房也得掏空“六个钱包”

美国年轻人购房也得掏空“六个钱包”

ALENA BOTROS 2024-04-01
即便是美国人买房也得需要父母的帮忙。

美国年轻人购房也“啃老”。GETTY IMAGES

每个人时不是都是需要帮助的。在当前的房地产市场上,即便是美国人买房也得需要父母的帮忙。根据Redfin公司的一项调查显示,都过三分之一的“千禧一代”和“G世代”(大概相当于我们的85后和95后)都希望在买房的时候,他们的父母或者亲人能拿出一笔现金来帮他们交首付。

如果家里拿不出现金的话,有些年轻人也盯上了老人的遗产。万一家里既没有现金也没有遗产,美国的年轻人也不介意与父母或者其他家人共同生活,毕竟能省则省嘛。Redfin公司的数据记者达娜·安德森指出,现在需要父母帮忙交首付的年轻人远比5年前更多了。她表示:“根据Redfin当年的一项调查,2019年只有18%的‘千禧一代’需要家人凑钱帮忙交首付。而到了2023年,这个比例已经增加到了23%。

所有人都知道为什么会发生这种情况。在新冠疫情期间,美国房价大幅上涨,不久后按揭利率也随之上涨。据Redfin公司的计算,自疫情爆发以来,美国房价足足上涨了近40%,仅去年一年就上涨7%,而且这还是在供给端紧张的情况下。截至去年第四季度,全美房价的中位数已达到41.77万美元。

Redfin公司首席经济学家达里尔·费尔韦瑟表示:“由于房价飙升得非常快,很多年轻人就算有一份收入可观的工作,也得需要父母的帮助才能买房。”

去年,Redfin 对新近购房者开展了一项调查,结果显示,在500余名30岁以下的购房者中,有38%的人是靠家人凑钱或是动用了老人的遗产交的首付。也就是“啃老型购房”。不“啃老”就不能拥有属于自己的房子,这说明房地产市场出了什么问题呢?

我们不妨算一比账:现在洛杉矶的平均房价是953501美元。按首付20%计算,那就是190700美元;按首付10%计算,就是95350美元。而洛杉矶全市的家庭收入中位数为76244美元。如果你觉得在洛杉矶买房不现实,那你可以考虑一下奥斯汀这样更经济实惠的城市,奥斯汀的平均房价是533719美元。按首付20%计算,那你也得先掏106744美元的首付。

Redfin公司首席经济学家费尔韦瑟自己也是一个“啃老型购房者”。她告诉《财富》,她是在27岁时买的房,当时就是她母亲替她交的首付。她说:“要不是我母亲帮我交了首付,我可能还得等好几年才买得起房。”更何况“后面房价还在一年年的上涨。”

就连白手起家的百万富翁、自称纽约房地产女王的女明星芭芭拉·科克兰也告诉年轻人,买房时寻求父母帮忙不丢人。

她去年在一档播客节目中说:“我建议20多岁的朋友应该去麻烦他们的父母,这并不丢人,在纽约如果没有家人的帮助,40岁以下的人都买不起房。”

当然,美国的父母们也是愿意帮忙的。约翰伯恩斯研究咨询公司副总裁埃里克·费尼根最近在接受《财富》采访时表示,“婴儿潮”一代的美国人正在通过多种方式推动美国房地产市场的发展,包括通过帮助他们的子女购房。“就算他们的子女已经成年了,他们还会帮助儿女买房。”

但是,即便父母肯多挤出“两个钱包”,现在也不是家家都买得起房。

费尔韦瑟表示:“更重要的问题是,那些家庭无力提供支持的年轻人往往彻底没有了买房的能力。他们中很多人的收入也很不错,但还是买不起房。因为他们没有时代的红利可以吃,也没有家人提供支持。”

最后她说:“什么是美国梦?美国梦就是你有阶级跃升的机会,而且有一套自己的房子。但是现在的高房价让这两个目标都变得难以实现了。”(财富中文网)

译者:朴成奎

每个人时不是都是需要帮助的。在当前的房地产市场上,即便是美国人买房也得需要父母的帮忙。根据Redfin公司的一项调查显示,都过三分之一的“千禧一代”和“G世代”(大概相当于我们的85后和95后)都希望在买房的时候,他们的父母或者亲人能拿出一笔现金来帮他们交首付。

如果家里拿不出现金的话,有些年轻人也盯上了老人的遗产。万一家里既没有现金也没有遗产,美国的年轻人也不介意与父母或者其他家人共同生活,毕竟能省则省嘛。Redfin公司的数据记者达娜·安德森指出,现在需要父母帮忙交首付的年轻人远比5年前更多了。她表示:“根据Redfin当年的一项调查,2019年只有18%的‘千禧一代’需要家人凑钱帮忙交首付。而到了2023年,这个比例已经增加到了23%。

所有人都知道为什么会发生这种情况。在新冠疫情期间,美国房价大幅上涨,不久后按揭利率也随之上涨。据Redfin公司的计算,自疫情爆发以来,美国房价足足上涨了近40%,仅去年一年就上涨7%,而且这还是在供给端紧张的情况下。截至去年第四季度,全美房价的中位数已达到41.77万美元。

Redfin公司首席经济学家达里尔·费尔韦瑟表示:“由于房价飙升得非常快,很多年轻人就算有一份收入可观的工作,也得需要父母的帮助才能买房。”

去年,Redfin 对新近购房者开展了一项调查,结果显示,在500余名30岁以下的购房者中,有38%的人是靠家人凑钱或是动用了老人的遗产交的首付。也就是“啃老型购房”。不“啃老”就不能拥有属于自己的房子,这说明房地产市场出了什么问题呢?

我们不妨算一比账:现在洛杉矶的平均房价是953501美元。按首付20%计算,那就是190700美元;按首付10%计算,就是95350美元。而洛杉矶全市的家庭收入中位数为76244美元。如果你觉得在洛杉矶买房不现实,那你可以考虑一下奥斯汀这样更经济实惠的城市,奥斯汀的平均房价是533719美元。按首付20%计算,那你也得先掏106744美元的首付。

Redfin公司首席经济学家费尔韦瑟自己也是一个“啃老型购房者”。她告诉《财富》,她是在27岁时买的房,当时就是她母亲替她交的首付。她说:“要不是我母亲帮我交了首付,我可能还得等好几年才买得起房。”更何况“后面房价还在一年年的上涨。”

就连白手起家的百万富翁、自称纽约房地产女王的女明星芭芭拉·科克兰也告诉年轻人,买房时寻求父母帮忙不丢人。

她去年在一档播客节目中说:“我建议20多岁的朋友应该去麻烦他们的父母,这并不丢人,在纽约如果没有家人的帮助,40岁以下的人都买不起房。”

当然,美国的父母们也是愿意帮忙的。约翰伯恩斯研究咨询公司副总裁埃里克·费尼根最近在接受《财富》采访时表示,“婴儿潮”一代的美国人正在通过多种方式推动美国房地产市场的发展,包括通过帮助他们的子女购房。“就算他们的子女已经成年了,他们还会帮助儿女买房。”

但是,即便父母肯多挤出“两个钱包”,现在也不是家家都买得起房。

费尔韦瑟表示:“更重要的问题是,那些家庭无力提供支持的年轻人往往彻底没有了买房的能力。他们中很多人的收入也很不错,但还是买不起房。因为他们没有时代的红利可以吃,也没有家人提供支持。”

最后她说:“什么是美国梦?美国梦就是你有阶级跃升的机会,而且有一套自己的房子。但是现在的高房价让这两个目标都变得难以实现了。”(财富中文网)

译者:朴成奎

Everybody needs a little help sometimes. And in this housing market, people need their parents’ help. More than a third of millennials and Gen Zers who are planning to buy a home expect their parents, or family, to help with their down payment in the form of a cash gift, according to a Redfin-commissioned survey.

If not cash, younger generations looking to buy a home are also planning to dip into their inheritance to fund their down payment, or are simply living with their parents or other family members to save money, Redfin data journalist Dana Anderson wrote. Unsurprisingly, younger generations are twice as likely to visit the bank of Mom and Dad for a down payment on a home than they were five years ago. “Just 18% of millennials used a cash gift from family to help fund their down payment in 2019, according to a Redfin survey from that time, and the share had only increased to 23% by 2023,” Anderson wrote.

We all know why that is. Home prices rose substantially during the Pandemic Housing Boom, and mortgage rates soared not long after; by Redfin’s calculations, home prices are up almost 40% since the start of the pandemic, and rose 7% in the last year alone on the back of tight supply. As of the fourth quarter of last year, the median sales price for houses sold in the country was $417,700.

“Because housing costs have soared so much, many young adults with family money get help from Mom and Dad even when they have jobs and earn a perfectly respectable income,” Redfin’s chief economist, Daryl Fairweather, said.

Last year, Redfin conducted a survey of recent movers and found that 38% of more than 500 buyers under the age of 30 either used a cash gift from a family member or an inheritance for their down payment. Redfin’s Fairweather called them “nepo homebuyers,” a play on words, clearly drawing on nepotism. So forget Hollywood’s “nepo babies,” we’ve got “nepo homebuyers”—what does that tell you about the housing market?

Consider this: The average home value in Los Angeles is $953,501. If you want to put 20% down, that’s $190,700; if you want to put 10% down, that’s $95,350. The median household income in the city is $76,244. If that’s not realistic, consider a more affordable city, like Austin, where the average home value is $533,719. If you want to put 20% down, that’s still $106,744.

Fairweather was a nepo homebuyer herself. Her mother gave her the money she needed for a down payment when she was 27 years old, Fairweather previously told Fortune. “Had it not been for her doing that, it would have taken me years to be able to afford a home of my own,” Fairweather said, later adding that “year after year, prices kept going up.”

Even self-made millionaire, self-proclaimed New York City real estate queen, and Shark Tank star Barbara Corcoran is telling younger people to ask their parents for help so they can buy a home.

“I have advised more people in their twenties to hit up their parents,” Corcoran said on a podcast last year. “There’s no shame in that. Nobody buys under 40 in New York without the help of their family.”

And we know parents are helping. John Burns Research and Consulting’s vice president of demographics, Eric Finnigan, recently told Fortune that baby boomers were powering the housing market in multiple ways—for one, by assisting their children. “They are still funding the purchase,” he said, “of their adult children’s homes.”

But here’s the thing—in a time when family money matters more than ever, not every family can afford to do this.

“The bigger problem is that young Americans who don’t have family money are often shut out of homeownership,” Fairweather said. “Many of them earn a perfectly good income, too, but they aren’t able to afford a home because they’re at a generational disadvantage; they don’t have a pot of family money to dip into.”

She continued: “The American Dream is just as much about class mobility as it is the home with a white picket fence, and the housing affordability crisis has made both elements of the dream harder to attain.”

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