<p>（NewsNation）——得益於父母通過積累的住房財富幫助 Z 世代，在美國擁有一套房子開始變得不那麼困難。</p>
<p>Realtor.com 的一項研究發現，住房財富在全國許多地區持續快速增長，特別是對於在過去六年多時間裏能夠購房的家庭。該分析使用了截至 2021 年的《收入動態小組研究》的數據。</p>
<p>這一積極趨勢出現在美國許多人面臨可負擔性挑戰的時刻。</p>
<p>“繼承財產或獲得家庭經濟支持的家庭更有可能成為房主，進而更有可能將資產留給他們的孩子，” 該房地產上市網站表示。</p>
<p>“與這一模式一致，房主比租户更有可能（高出 1.3 倍）預期將資產留給下一代，這突顯了住房在代際財富轉移中的核心作用，” 它補充道。</p>
<p>研究還揭示，五分之一的首次購房者並沒有繼承財產。</p>
<p>然而，父母通過提取自己房屋的淨值來幫助他們支付首付款，從而使孩子們購房的可能性是那些父母不提供幫助的孩子的三倍。</p>
<p>美聯儲的分析承認，父母的轉移解釋了年輕家庭中近 27% 的房屋擁有率。</p>

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<p>Realtor.com 的一項研究表明，父母通過利用積累的住房財富來幫助 Z 世代成為房主。分析顯示，住房財富顯著增加，尤其是對於在過去六年內購房的家庭。接受家庭財務支持的家庭更有可能擁有房屋並將資產傳遞給子女。值得注意的是，父母的轉移資金佔年輕家庭房屋擁有率的近 27%，而那些父母幫助支付首付款的孩子購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）——得益於父母通過積累的住房財富幫助 Z 世代，在美國擁有一套房子開始變得不那麼困難。</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 的一項研究發現，住房財富在全國許多地區持續快速增長，特別是對於在過去六年多時間裏能夠購房的家庭。該分析使用了截至 2021 年的《收入動態小組研究》的數據。</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>這一積極趨勢出現在美國許多人面臨可負擔性挑戰的時刻。</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>“繼承財產或獲得家庭經濟支持的家庭更有可能成為房主，進而更有可能將資產留給他們的孩子，” 該房地產上市網站表示。</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>“與這一模式一致，房主比租户更有可能（高出 1.3 倍）預期將資產留給下一代，這突顯了住房在代際財富轉移中的核心作用，” 它補充道。</p>
</div><p>The study also revealed that one in five first-time homebuyers don’t inherit property.</p>
<div class="lb-trans"><p>研究還揭示，五分之一的首次購房者並沒有繼承財產。</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，父母通過提取自己房屋的淨值來幫助他們支付首付款，從而使孩子們購房的可能性是那些父母不提供幫助的孩子的三倍。</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>美聯儲的分析承認，父母的轉移解釋了年輕家庭中近 27% 的房屋擁有率。</p>
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父母通過代際財富幫助 Z 世代購房