每個人時不是都是需要幫助的。在當前的房地產市場上,即便是美國人買房也得需要父母的幫忙。根據Redfin公司的一項調查顯示,都過三分之一的“千禧一代”和“G世代”(大概相當于我們的85后和95后)都希望在買房的時候,他們的父母或者親人能拿出一筆現金來幫他們交首付。
如果家里拿不出現金的話,有些年輕人也盯上了老人的遺產。萬一家里既沒有現金也沒有遺產,美國的年輕人也不介意與父母或者其他家人共同生活,畢竟能省則省嘛。Redfin公司的數據記者達娜·安德森指出,現在需要父母幫忙交首付的年輕人遠比5年前更多了。她表示:“根據Redfin當年的一項調查,2019年只有18%的‘千禧一代’需要家人湊錢幫忙交首付。而到了2023年,這個比例已經增加到了23%。
所有人都知道為什么會發生這種情況。在新冠疫情期間,美國房價大幅上漲,不久后按揭利率也隨之上漲。據Redfin公司的計算,自疫情爆發以來,美國房價足足上漲了近40%,僅去年一年就上漲7%,而且這還是在供給端緊張的情況下。截至去年第四季度,全美房價的中位數已達到41.77萬美元。
Redfin公司首席經濟學家達里爾·費爾韋瑟表示:“由于房價飆升得非常快,很多年輕人就算有一份收入可觀的工作,也得需要父母的幫助才能買房。”
去年,Redfin 對新近購房者開展了一項調查,結果顯示,在500余名30歲以下的購房者中,有38%的人是靠家人湊錢或是動用了老人的遺產交的首付。也就是“啃老型購房”。不“啃老”就不能擁有屬于自己的房子,這說明房地產市場出了什么問題呢?
我們不妨算一比賬:現在洛杉磯的平均房價是953501美元。按首付20%計算,那就是190700美元;按首付10%計算,就是95350美元。而洛杉磯全市的家庭收入中位數為76244美元。如果你覺得在洛杉磯買房不現實,那你可以考慮一下奧斯汀這樣更經濟實惠的城市,奧斯汀的平均房價是533719美元。按首付20%計算,那你也得先掏106744美元的首付。
Redfin公司首席經濟學家費爾韋瑟自己也是一個“啃老型購房者”。她告訴《財富》,她是在27歲時買的房,當時就是她母親替她交的首付。她說:“要不是我母親幫我交了首付,我可能還得等好幾年才買得起房。”更何況“后面房價還在一年年的上漲。”
就連白手起家的百萬富翁、自稱紐約房地產女王的女明星芭芭拉·科克蘭也告訴年輕人,買房時尋求父母幫忙不丟人。
她去年在一檔播客節目中說:“我建議20多歲的朋友應該去麻煩他們的父母,這并不丟人,在紐約如果沒有家人的幫助,40歲以下的人都買不起房。”
當然,美國的父母們也是愿意幫忙的。約翰伯恩斯研究咨詢公司副總裁埃里克·費尼根最近在接受《財富》采訪時表示,“嬰兒潮”一代的美國人正在通過多種方式推動美國房地產市場的發展,包括通過幫助他們的子女購房。“就算他們的子女已經成年了,他們還會幫助兒女買房。”
但是,即便父母肯多擠出“兩個錢包”,現在也不是家家都買得起房。
費爾韋瑟表示:“更重要的問題是,那些家庭無力提供支持的年輕人往往徹底沒有了買房的能力。他們中很多人的收入也很不錯,但還是買不起房。因為他們沒有時代的紅利可以吃,也沒有家人提供支持。”
最后她說:“什么是美國夢?美國夢就是你有階級躍升的機會,而且有一套自己的房子。但是現在的高房價讓這兩個目標都變得難以實現了。”(財富中文網)
譯者:樸成奎
每個人時不是都是需要幫助的。在當前的房地產市場上,即便是美國人買房也得需要父母的幫忙。根據Redfin公司的一項調查顯示,都過三分之一的“千禧一代”和“G世代”(大概相當于我們的85后和95后)都希望在買房的時候,他們的父母或者親人能拿出一筆現金來幫他們交首付。
如果家里拿不出現金的話,有些年輕人也盯上了老人的遺產。萬一家里既沒有現金也沒有遺產,美國的年輕人也不介意與父母或者其他家人共同生活,畢竟能省則省嘛。Redfin公司的數據記者達娜·安德森指出,現在需要父母幫忙交首付的年輕人遠比5年前更多了。她表示:“根據Redfin當年的一項調查,2019年只有18%的‘千禧一代’需要家人湊錢幫忙交首付。而到了2023年,這個比例已經增加到了23%。
所有人都知道為什么會發生這種情況。在新冠疫情期間,美國房價大幅上漲,不久后按揭利率也隨之上漲。據Redfin公司的計算,自疫情爆發以來,美國房價足足上漲了近40%,僅去年一年就上漲7%,而且這還是在供給端緊張的情況下。截至去年第四季度,全美房價的中位數已達到41.77萬美元。
Redfin公司首席經濟學家達里爾·費爾韋瑟表示:“由于房價飆升得非常快,很多年輕人就算有一份收入可觀的工作,也得需要父母的幫助才能買房。”
去年,Redfin 對新近購房者開展了一項調查,結果顯示,在500余名30歲以下的購房者中,有38%的人是靠家人湊錢或是動用了老人的遺產交的首付。也就是“啃老型購房”。不“啃老”就不能擁有屬于自己的房子,這說明房地產市場出了什么問題呢?
我們不妨算一比賬:現在洛杉磯的平均房價是953501美元。按首付20%計算,那就是190700美元;按首付10%計算,就是95350美元。而洛杉磯全市的家庭收入中位數為76244美元。如果你覺得在洛杉磯買房不現實,那你可以考慮一下奧斯汀這樣更經濟實惠的城市,奧斯汀的平均房價是533719美元。按首付20%計算,那你也得先掏106744美元的首付。
Redfin公司首席經濟學家費爾韋瑟自己也是一個“啃老型購房者”。她告訴《財富》,她是在27歲時買的房,當時就是她母親替她交的首付。她說:“要不是我母親幫我交了首付,我可能還得等好幾年才買得起房。”更何況“后面房價還在一年年的上漲。”
就連白手起家的百萬富翁、自稱紐約房地產女王的女明星芭芭拉·科克蘭也告訴年輕人,買房時尋求父母幫忙不丟人。
她去年在一檔播客節目中說:“我建議20多歲的朋友應該去麻煩他們的父母,這并不丟人,在紐約如果沒有家人的幫助,40歲以下的人都買不起房。”
當然,美國的父母們也是愿意幫忙的。約翰伯恩斯研究咨詢公司副總裁埃里克·費尼根最近在接受《財富》采訪時表示,“嬰兒潮”一代的美國人正在通過多種方式推動美國房地產市場的發展,包括通過幫助他們的子女購房。“就算他們的子女已經成年了,他們還會幫助兒女買房。”
但是,即便父母肯多擠出“兩個錢包”,現在也不是家家都買得起房。
費爾韋瑟表示:“更重要的問題是,那些家庭無力提供支持的年輕人往往徹底沒有了買房的能力。他們中很多人的收入也很不錯,但還是買不起房。因為他們沒有時代的紅利可以吃,也沒有家人提供支持。”
最后她說:“什么是美國夢?美國夢就是你有階級躍升的機會,而且有一套自己的房子。但是現在的高房價讓這兩個目標都變得難以實現了。”(財富中文網)
譯者:樸成奎
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.”