<p>（NewsNation）——得益于父母通过积累的住房财富帮助 Z 世代，在美国拥有一套房子开始变得不那么困难。</p>
<p>Realtor.com 的一项研究发现，住房财富在全国许多地区持续快速增长，特别是对于在过去六年多时间里能够购房的家庭。该分析使用了截至 2021 年的《收入动态小组研究》的数据。</p>
<p>这一积极趋势出现在美国许多人面临可负担性挑战的时刻。</p>
<p>“继承财产或获得家庭经济支持的家庭更有可能成为房主，进而更有可能将资产留给他们的孩子，” 该房地产上市网站表示。</p>
<p>“与这一模式一致，房主比租户更有可能（高出 1.3 倍）预期将资产留给下一代，这突显了住房在代际财富转移中的核心作用，” 它补充道。</p>
<p>研究还揭示，五分之一的首次购房者并没有继承财产。</p>
<p>然而，父母通过提取自己房屋的净值来帮助他们支付首付款，从而使孩子们购房的可能性是那些父母不提供帮助的孩子的三倍。</p>
<p>美联储的分析承认，父母的转移解释了年轻家庭中近 27% 的房屋拥有率。</p>

WTRE

全球房地产投资信托 ETF - iShares

华宝中证800地产ETF

<p>Realtor.com 的一项研究表明，父母通过利用积累的住房财富来帮助 Z 世代成为房主。分析显示，住房财富显著增加，尤其是对于在过去六年内购房的家庭。接受家庭财务支持的家庭更有可能拥有房屋并将资产传递给子女。值得注意的是，父母的转移资金占年轻家庭房屋拥有率的近 27%，而那些父母帮助支付首付款的孩子购房的可能性是其他孩子的三倍</p>

<p>(NewsNation) — Owning a home in America has started to become a less difficult path, thanks to parents helping Gen Z through accumulated housing wealth.</p>
<div class="lb-trans"><p>（NewsNation）——得益于父母通过积累的住房财富帮助 Z 世代，在美国拥有一套房子开始变得不那么困难。</p>
</div><p>A study from Realtor.com found housing wealth has continued to grow rapidly in many parts of the country, particularly for households that were able to buy over the past six-plus years. The analysis used data from the Panel Study of Income Dynamics through 2021.</p>
<div class="lb-trans"><p>Realtor.com 的一项研究发现，住房财富在全国许多地区持续快速增长，特别是对于在过去六年多时间里能够购房的家庭。该分析使用了截至 2021 年的《收入动态小组研究》的数据。</p>
</div><p>This positive trend comes at a time when many people in the U.S. are facing affordability challenges.</p>
<div class="lb-trans"><p>这一积极趋势出现在美国许多人面临可负担性挑战的时刻。</p>
</div><p>“Households that inherit property or receive financial assistance from family are more likely to become homeowners themselves and, in turn, are more likely to leave assets to their children,” the real estate listing site said.</p>
<div class="lb-trans"><p>“继承财产或获得家庭经济支持的家庭更有可能成为房主，进而更有可能将资产留给他们的孩子，” 该房地产上市网站表示。</p>
</div><p>“Consistent with this pattern, homeowners are 1.3 times more likely than renters to anticipate leaving assets to the next generation, underscoring the central role housing plays in the intergenerational transfer of wealth,” it added.</p>
<div class="lb-trans"><p>“与这一模式一致，房主比租户更有可能（高出 1.3 倍）预期将资产留给下一代，这突显了住房在代际财富转移中的核心作用，” 它补充道。</p>
</div><p>The study also revealed that one in five first-time homebuyers don’t inherit property.</p>
<div class="lb-trans"><p>研究还揭示，五分之一的首次购房者并没有继承财产。</p>
</div><p>However, parents help them with a down payment by extracting equity from their own homes to finance their children’s purchases. That helps children become three times more likely to buy a home than those whose parents do not.</p>
<div class="lb-trans"><p>然而，父母通过提取自己房屋的净值来帮助他们支付首付款，从而使孩子们购房的可能性是那些父母不提供帮助的孩子的三倍。</p>
</div><p>Analysis from the Federal Reserve acknowledges parental transfers explain nearly 27 percent of homeownership rates among young households.</p>
<div class="lb-trans"><p>美联储的分析承认，父母的转移解释了年轻家庭中近 27% 的房屋拥有率。</p>
</div>

父母通过代际财富帮助 Z 世代购房