FirstHome IQ & National MI：2026年美国新生代购房者报告（英文版）（26页）.pdf

1、B y K r i s t i n M e s s e r l iM A R C H 2 0 2 6NextGenH O M E B U Y E R R E P O R T2026Survey of 1,000 Gen Z and Millennial consumers in January,2026|A research project of 9,000+cumulative respondents since 2020The American Dream,ReimaginedI N T R O D U C T I O NSince I began researching young co

2、nsumers over a decade ago,I have always reported hesitationand distrust from consumer interviews.Theyre not sure who to trust or what to believe.I initially chalked it up to the fact that Millennials entered adulthood during or immediately after thefinancial crisis.However,I think thats only one pie

3、ce of an evolving picture of distrust in America.With instant access to information and the unveiling of corrupt incentives across all industries,consumers are(rightly)more conservative when they hear someone selling something.In 2021,our second annual NextGen Homebuyer Report,sponsored by National

4、MI,we discoveredtwo in three Millennials and Gen Z felt lenders were not trustworthy or reliable.Ive asked surveyrespondents a variety of questions around trust ever since.This year,we deepened our understanding of the distrust and why this generation is so skepticalabout housing professionals.Unsur

5、prisingly,its less about the knowledge itself.Its the system theywork in.NextGen expect the system to work against them,and they worry professionals will sell them onsomething thats not in their best interest.Only one in eight respondents said they trusted housingprofessionals would not take advanta

6、ge of them.This years findings tell a story I think the industry needs to hear.It is a story about what happenswhen aspiration meets distrust.When financial discipline meets misinformation.When a generationthat has done everything it was told to dosave,budget,check your creditstill doesnt believe it