美國千禧一代終于有能力自己買房
CHLOE BERGER
2023-02-21
有些年輕人通過與父母同住，積攢下可以自己買房的資金。攝影：HUMANMADE —— 蓋蒂圖片社
得益于遠程辦公的興起，為了度過疫情初期的困境，年輕人紛紛搬回父母家居住，數量創下歷史記錄，而且隨著房租暴漲和通脹肆虐，許多年輕人為了減少支出繼續住在家里。有些最初沒有搬回家的年輕人，由于生活成本過高最終也選擇了這樣做。
這種做法帶來了回報。美國房地產商協會（National Association of REALTORS，NAR）對人口普查局（Census Bureau）數據的分析顯示，現在更多年輕人攢夠了搬出去單獨住需要的資金。分析發現，2020年，17.8%年齡在25至34歲的成年人在父母家中居住，2022年減少到15.6%。
美國房地產商協會副首席經濟學家兼研究副總裁杰西卡·勞茲表示：“搬回家住讓年輕人的財務狀況得到了改善。他們本來可能沒有這樣的機會。年輕人可以利用這次機會增加儲蓄，償還現有債務，改善信用評分和提高債務收入比。”
事實似乎確實如此。6%的學生債務借款人因為搬回家住，可以還清或者大幅償還貸款。越來越多年輕人似乎已經存下了足夠買房的資金：27%的首次購房人從家庭成員家搬到了自己家。1995年，這個比例只有15%。
勞茲將這種趨勢歸因于2020年至2021年房租上漲14%；簡而言之，千禧一代寧愿避開今天的高租房成本，一步到位成為業主，即使這意味著要與父母同住。
眾所周知，千禧一代買房存在困難，對于這一代人而言，搬回父母家住是一種戰略性的舉措。千禧一代畢業時正逢大衰退，就業市場動蕩不安，他們承擔了過于沉重的學生債務，而且還面臨著生活成本高漲，這些因素導致他們積攢財富的過程被延誤。許多人推遲了成家和買房等人生大事。當有些千禧一代終于在財務上重新站穩了腳跟時，卻爆發了疫情，經濟陷入混亂，房價高企，通脹創40年新高。
Chartway Credit Union對2,000名美國人開展的OnePoll調查顯示，為了實現財務獨立，許多千禧一代希望盡量削減成本，包括與父母同住，或者請求他人幫忙支付賬單，尤其是支付房租。
調查發現，現在，一些千禧一代計劃利用這些財務援助，直到援助被切斷為止。摩根士丹利（Morgan Stanley）的一份報告發現，一些與父母同住的年輕人，包括Z世代，會將可自由支配的資金用于購買奢侈品。個人理財大師大衛·拉姆齊曾稱這些年輕人購買奢侈品的行為，“像火車車禍現場”一樣糟糕。
但事實可能更復雜 —— 大多數年輕人在家中居住，并不是出于對知名品牌的渴望，而是希望為將來進行儲蓄并且有能力承擔住房成本。
雖然許多年輕人努力積攢足夠搬出父母家的資金，并且已經取得了一些進展，但在父母家居住的年輕人數量依舊高于美國房地產商協會統計的低于10%的歷史平均水平。這是惡性通脹和房租高企的象征。現在，美國人每個月要額外工作六小時才能付得起房租。
總之，為了支付住房成本，年輕人工作的努力程度，超過了他們的家長。這可能意味著與父母同住，只為以后能付得起房租或者一份租約。（財富中文網）
譯者：劉進龍
審校：汪皓
得益于遠程辦公的興起，為了度過疫情初期的困境，年輕人紛紛搬回父母家居住，數量創下歷史記錄，而且隨著房租暴漲和通脹肆虐，許多年輕人為了減少支出繼續住在家里。有些最初沒有搬回家的年輕人，由于生活成本過高最終也選擇了這樣做。
這種做法帶來了回報。美國房地產商協會（National Association of REALTORS，NAR）對人口普查局（Census Bureau）數據的分析顯示，現在更多年輕人攢夠了搬出去單獨住需要的資金。分析發現，2020年，17.8%年齡在25至34歲的成年人在父母家中居住，2022年減少到15.6%。
美國房地產商協會副首席經濟學家兼研究副總裁杰西卡·勞茲表示：“搬回家住讓年輕人的財務狀況得到了改善。他們本來可能沒有這樣的機會。年輕人可以利用這次機會增加儲蓄，償還現有債務，改善信用評分和提高債務收入比。”
事實似乎確實如此。6%的學生債務借款人因為搬回家住，可以還清或者大幅償還貸款。越來越多年輕人似乎已經存下了足夠買房的資金：27%的首次購房人從家庭成員家搬到了自己家。1995年，這個比例只有15%。
勞茲將這種趨勢歸因于2020年至2021年房租上漲14%；簡而言之，千禧一代寧愿避開今天的高租房成本，一步到位成為業主，即使這意味著要與父母同住。
眾所周知，千禧一代買房存在困難，對于這一代人而言，搬回父母家住是一種戰略性的舉措。千禧一代畢業時正逢大衰退，就業市場動蕩不安，他們承擔了過于沉重的學生債務，而且還面臨著生活成本高漲，這些因素導致他們積攢財富的過程被延誤。許多人推遲了成家和買房等人生大事。當有些千禧一代終于在財務上重新站穩了腳跟時，卻爆發了疫情，經濟陷入混亂，房價高企，通脹創40年新高。
Chartway Credit Union對2,000名美國人開展的OnePoll調查顯示，為了實現財務獨立，許多千禧一代希望盡量削減成本，包括與父母同住，或者請求他人幫忙支付賬單，尤其是支付房租。
調查發現，現在，一些千禧一代計劃利用這些財務援助，直到援助被切斷為止。摩根士丹利（Morgan Stanley）的一份報告發現，一些與父母同住的年輕人，包括Z世代，會將可自由支配的資金用于購買奢侈品。個人理財大師大衛·拉姆齊曾稱這些年輕人購買奢侈品的行為，“像火車車禍現場”一樣糟糕。
但事實可能更復雜 —— 大多數年輕人在家中居住，并不是出于對知名品牌的渴望，而是希望為將來進行儲蓄并且有能力承擔住房成本。
雖然許多年輕人努力積攢足夠搬出父母家的資金，并且已經取得了一些進展，但在父母家居住的年輕人數量依舊高于美國房地產商協會統計的低于10%的歷史平均水平。這是惡性通脹和房租高企的象征。現在，美國人每個月要額外工作六小時才能付得起房租。
總之，為了支付住房成本，年輕人工作的努力程度，超過了他們的家長。這可能意味著與父母同住，只為以后能付得起房租或者一份租約。（財富中文網）
譯者：劉進龍
審校：汪皓
Enabled by remote work, a record number of young adults moved home to ride out the early days of the pandemic—and many stayed to save money as rents skyrocketed and inflation creeped up. Even some who didn’t initially boomerang back eventually did as the cost of living became too much.
It all paid off. More of them have now saved enough to afford to move out on their own, according to the National Association of REALTORS (NAR) analysis of Census Bureau data. It found that 17.8% of adults ages 25 to 34 were living at home in 2020, decreasing to 15.6% in 2022.
“It is possible that moving home allowed these young adults a financial boost that they would not have had otherwise,” Jessica Lautz, NAR’s deputy chief economist and vice president of research, said. “It could have translated into savings, paying down existing debt, and working on their credit score and debt-to-income ratio.”
That certainly seems to be the case. Moving home helped 6% of student debt borrowers pay off or make a dent in paying off their loans. And an increasing number of these young adults seemed to have socked away enough cash to become homeowners: 27% of first-time homebuyers moved from a family members’ house into their own. In 1995, only 15% of people buying their first house did the same.
Lautz attributed this trend to the 14% rise in rents from 2020 to 2021; in short, millennials preferred to bypass today’s high cost of renting and fast track their path to homeownership even if it meant living with their parents.
It’s a strategic move for a generation who has had a notoriously hard time with homebuying. Graduating into the rocky job market of the Great Recession, shouldering a disproportionate amount of student debt, and facing a rising cost of living set millennials back in building wealth. Many delayed life milestones like starting a family and buying a home. As some were finally regaining their financial footing, a pandemic came, upending the economy with overpriced houses and 40-year-high inflation.
Many millennials were left looking to cut out costs where they could to achieve financial independence, whether it was living with their parents or getting a bit of help with paying the bills—especially with rent, per a survey OnePoll conducted for Chartway Credit Union of 2,000 Americans.
Now, some of these millennials plan to take advantage of such financial assistance until they’re cut off, the survey found. And a Morgan Stanley report found that some young adults—including Gen Z—who live with their parents spend their discretionary money on luxury items. Personal finance guru Dave Ramsey once called this cohort a “train wreck” for purchasing luxury goods.
But the truth is more complicated—most young adults aren’t sitting at home pining for name brands as much as they’re looking to save for the future and afford a place to live.
Despite the progress many of them have made in saving enough to move out, the number of young adults living at home is still higher than the historical average, which NAR says tends to be less than 10%. It’s a sign of stubborn inflation and rent prices that now have Americans working an extra extra six hours a month to afford.
That’s all to say, young adults are working harder than their parents to afford housing. In the end, it might mean living with the ‘rents to afford rent, or a lease one day down the road.
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