Hometap：2019年美国房屋所有权研究的结果（英文版）(24页).pdf

1、Is Homeowner Debt Getting Worse? A LOOK INSIDE THE HOUSE-RICH, CASH-POOR PHENOMENON Hometap 2019 Study Table of Contents Hometap | Is Homeowner Debt Getting Worse?2 Introduction .3 About the Research .4 Executive Summary .5 Generations Align .6 Millennials .11 Generation X .13 Baby Boomers .14 City

2、Views .15 Boston .16 Charlotte .17 Denver .18 Orlando .19 Los Angeles .20 San Francisco .21 Conclusion . 22 References . 23 About Hometap .24 Is Homeowner Debt Getting Worse? The cost of homeownership across the United States continues to soar at a faster rate than most incomes, pushing the goal of

3、owning a home further out of reach for some, and the goal of staying on top of monthly mortgage paymentswhile achieving other financial goalsa growing challenge for others. Millennials are often pointed to as the generation most affected by this trend. Headlines emphasize the growing tendency of 25-

4、to- 38-year-olds leaving the nest later than ever and renting over owning. Housing costs and fluctuating mortgage rates are partially to blame, but it got us thinkingis this a generational problem? At Hometap, we got the sense from prospective customers that stress related to homeownership is a nati

5、onwide issue that doesnt discriminate, though the cause of that stress may differ by age and region. We surveyed nearly 700 homeowners nationwide in June 2019 to determine where this stress derives from, why, and how (if at all) it differs generationally. We conducted a secondary study of 600 homeow

6、ners across six major cities, asking the same set of questions, to then determine if the debt stress felt across generations had any regional implications. We surveyed one hundred homeowners from each of the following cities: Boston, Charlotte, Los Angeles, Denver, Orlando, and San Francisco. Hometa