美国千禧一代终于有能力自己买房

CHLOE BERGER 2023-02-21 越来越多年轻人似乎已经存下了足够买房的资金。 有些年轻人通过与父母同住，积攒下可以自己买房的资金。摄影：HUMANMADE —— 盖蒂图片社

得益于远程办公的兴起，为了度过疫情初期的困境，年轻人纷纷搬回父母家居住，数量创下历史记录，而且随着房租暴涨和通胀肆虐，许多年轻人为了减少支出继续住在家里。有些最初没有搬回家的年轻人，由于生活成本过高最终也选择了这样做。

这种做法带来了回报。美国房地产商协会（National Association of REALTORS，NAR）对人口普查局（Census Bureau）数据的分析显示，现在更多年轻人攒够了搬出去单独住需要的资金。分析发现，2020年，17.8%年龄在25至34岁的成年人在父母家中居住，2022年减少到15.6%。

美国房地产商协会副首席经济学家兼研究副总裁杰西卡·劳兹表示：“搬回家住让年轻人的财务状况得到了改善。他们本来可能没有这样的机会。年轻人可以利用这次机会增加储蓄，偿还现有债务，改善信用评分和提高债务收入比。”

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事实似乎确实如此。6%的学生债务借款人因为搬回家住，可以还清或者大幅偿还贷款。越来越多年轻人似乎已经存下了足够买房的资金：27%的首次购房人从家庭成员家搬到了自己家。1995年，这个比例只有15%。

劳兹将这种趋势归因于2020年至2021年房租上涨14%；简而言之，千禧一代宁愿避开今天的高租房成本，一步到位成为业主，即使这意味着要与父母同住。

众所周知，千禧一代买房存在困难，对于这一代人而言，搬回父母家住是一种战略性的举措。千禧一代毕业时正逢大衰退，就业市场动荡不安，他们承担了过于沉重的学生债务，而且还面临着生活成本高涨，这些因素导致他们积攒财富的过程被延误。许多人推迟了成家和买房等人生大事。当有些千禧一代终于在财务上重新站稳了脚跟时，却爆发了疫情，经济陷入混乱，房价高企，通胀创40年新高。

Chartway Credit Union对2,000名美国人开展的OnePoll调查显示，为了实现财务独立，许多千禧一代希望尽量削减成本，包括与父母同住，或者请求他人帮忙支付账单，尤其是支付房租。

调查发现，现在，一些千禧一代计划利用这些财务援助，直到援助被切断为止。摩根士丹利（Morgan Stanley）的一份报告发现，一些与父母同住的年轻人，包括Z世代，会将可自由支配的资金用于购买奢侈品。个人理财大师大卫·拉姆齐曾称这些年轻人购买奢侈品的行为，“像火车车祸现场”一样糟糕。

但事实可能更复杂 —— 大多数年轻人在家中居住，并不是出于对知名品牌的渴望，而是希望为将来进行储蓄并且有能力承担住房成本。

虽然许多年轻人努力积攒足够搬出父母家的资金，并且已经取得了一些进展，但在父母家居住的年轻人数量依旧高于美国房地产商协会统计的低于10%的历史平均水平。这是恶性通胀和房租高企的象征。现在，美国人每个月要额外工作六小时才能付得起房租。

总之，为了支付住房成本，年轻人工作的努力程度，超过了他们的家长。这可能意味着与父母同住，只为以后能付得起房租或者一份租约。（财富中文网）

译者：刘进龙

审校：汪皓

得益于远程办公的兴起，为了度过疫情初期的困境，年轻人纷纷搬回父母家居住，数量创下历史记录，而且随着房租暴涨和通胀肆虐，许多年轻人为了减少支出继续住在家里。有些最初没有搬回家的年轻人，由于生活成本过高最终也选择了这样做。

这种做法带来了回报。美国房地产商协会（National Association of REALTORS，NAR）对人口普查局（Census Bureau）数据的分析显示，现在更多年轻人攒够了搬出去单独住需要的资金。分析发现，2020年，17.8%年龄在25至34岁的成年人在父母家中居住，2022年减少到15.6%。

美国房地产商协会副首席经济学家兼研究副总裁杰西卡·劳兹表示：“搬回家住让年轻人的财务状况得到了改善。他们本来可能没有这样的机会。年轻人可以利用这次机会增加储蓄，偿还现有债务，改善信用评分和提高债务收入比。”

事实似乎确实如此。6%的学生债务借款人因为搬回家住，可以还清或者大幅偿还贷款。越来越多年轻人似乎已经存下了足够买房的资金：27%的首次购房人从家庭成员家搬到了自己家。1995年，这个比例只有15%。

劳兹将这种趋势归因于2020年至2021年房租上涨14%；简而言之，千禧一代宁愿避开今天的高租房成本，一步到位成为业主，即使这意味着要与父母同住。

众所周知，千禧一代买房存在困难，对于这一代人而言，搬回父母家住是一种战略性的举措。千禧一代毕业时正逢大衰退，就业市场动荡不安，他们承担了过于沉重的学生债务，而且还面临着生活成本高涨，这些因素导致他们积攒财富的过程被延误。许多人推迟了成家和买房等人生大事。当有些千禧一代终于在财务上重新站稳了脚跟时，却爆发了疫情，经济陷入混乱，房价高企，通胀创40年新高。

Chartway Credit Union对2,000名美国人开展的OnePoll调查显示，为了实现财务独立，许多千禧一代希望尽量削减成本，包括与父母同住，或者请求他人帮忙支付账单，尤其是支付房租。

调查发现，现在，一些千禧一代计划利用这些财务援助，直到援助被切断为止。摩根士丹利（Morgan Stanley）的一份报告发现，一些与父母同住的年轻人，包括Z世代，会将可自由支配的资金用于购买奢侈品。个人理财大师大卫·拉姆齐曾称这些年轻人购买奢侈品的行为，“像火车车祸现场”一样糟糕。

但事实可能更复杂 —— 大多数年轻人在家中居住，并不是出于对知名品牌的渴望，而是希望为将来进行储蓄并且有能力承担住房成本。

虽然许多年轻人努力积攒足够搬出父母家的资金，并且已经取得了一些进展，但在父母家居住的年轻人数量依旧高于美国房地产商协会统计的低于10%的历史平均水平。这是恶性通胀和房租高企的象征。现在，美国人每个月要额外工作六小时才能付得起房租。

总之，为了支付住房成本，年轻人工作的努力程度，超过了他们的家长。这可能意味着与父母同住，只为以后能付得起房租或者一份租约。（财富中文网）

译者：刘进龙

审校：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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