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National MI:2023年美国 Z 世代购房者报告(中译版)(36页).pdf

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1、INTRODUCTIONThe 2023 NextGen Gen Z Homebuyer Report is a research project developed in partnership with National MI to provide practical insights into the behavior and preferences of one of the fastest-growing segments of the homebuyer population.Gen Z individuals,born between 1997 and 2012,are rapi

2、dly entering the housing market,with many of them now reaching adulthood and starting to establish their careers and families.As a generation that has grown up in the digital age,they have unique preferences and expectations when it comes to home buying and financing.The report analyzes data from tw

3、o surveys conducted in October 2022 and April 2023 to gain a deeper understanding of how Gen Z homebuyers approach the process of purchasing a home,what factors are most important to them,and what challenges they face.By elevating the voice of this emerging demographic,the report aims to empower rea

4、l estate and financial professionals with the insights they need to better connect with Gen Z homebuyers and provide them with a positive,satisfying experience in a competitive market.I would love to hear your thoughts and questions as we grow together.Please feel free to connect with me on LinkedIn

5、.Cheers,Kristin MesserliExecutive Director,FirstHome IQBACKGROUND&METHODOLOGYThe ongoing study of Millennial and Gen Z homebuyers currently includes a total of 4,000 respondents over three years.The majority of the research reflected in this study comes from data gathered in October 2022 and April 2

6、023,which includes the following:1,000 respondents,collected in October 2022 and 250 respondents in April 2023Between the ages of 18-26Diverse sampling by race and income,representing population demographicsApril sampling includes20%homeowners47%planning to buy within the next 5 yearsSurvey response

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1. **研究背景**:2023年NextGen Gen Z购房者报告,由FirstHome IQ与National MI合作,针对1997-2012年出生的Z世代(18-26岁)购房行为展开调研,样本覆盖1000人(2022年10月)+250人(2023年4月),其中47%计划5年内购房。 2. **核心数据**: - 性别:58%女性,42%男性; - 种族:42%白人,26%亚裔,15%拉丁裔,11%黑人,6%其他; - 收入:主要集中于5万-15万美元区间。 3. **Z世代挑战**: - **财务知识匮乏**:对利率、信用评分等认知不足,阻碍购房决策; - **信任缺失**:依赖网络而非传统金融机构,易受误导; - ** affordability压力**:房价高、首付难、收入不稳定,首次购房门槛高。 4. **建议方向**:加强财务教育、提供透明信息、拓展首付援助计划,并通过社交媒体建立信任。
**买房难在哪?** **信任危机?** **如何入门?**
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