KeyBank Survey Shows That Americans Are Adjusting Financial Strategies in Pursuit of Homeownership
KeyBank Survey Shows That Americans Are Adjusting Financial Strategies in Pursuit of Homeownership
KeyBank sheds light on spending and saving trends among recent and prospective homebuyers during National Fair Housing Month
在全國公平住房月期間，KeyBank闡明瞭近期和潛在購房者的支出和儲蓄趨勢
NORTHAMPTON, MA / ACCESSWIRE / April 29, 2024 / KeyBank:
馬薩諸塞州北安普敦/ACCESSWIRE/2024 年 4 月 29 日/KeyBank：
Homeownership is a major life milestone that marks a significant step toward long-term financial stability. However, those in the market for a home today are navigating a complex landscape, with inflation, competition in the market, down payment size and more influencing their purchasing decision. KeyBank's 2024 Financial Mobility Survey1 notes that inflation is an extreme concern on the path to homeownership, with 40% of those in the market or who have recently purchased a home stating that inflation is their top purchasing influence.
房屋所有權是人生的重要里程碑，標誌着朝着長期財務穩定邁出的重要一步。但是，當今房屋市場上的人們正處在一個複雜的格局中，通貨膨脹、市場競爭、首付規模以及更多地影響着他們的購買決定。KeyBank 的 2024 年金融流動性調查1 指出，通貨膨脹是房屋所有權道路上最令人擔憂的問題，40％的市場上或最近購買房屋的人表示，通貨膨脹是他們最大的購買影響力。
With this top of mind for consumers, many are hesitant to enter the homebuying market. 29% of Americans do not own a home and do not plan on purchasing one in the next 12 months. Only 1 in 10 of those Americans feel that homeownership is very attainable. Homeownership may also come with unexpected expenses. 51% of Americans expect to use more of their savings in the next year. The usage of savings decreases for those in the market for a home (45%) and those who do not own a home (35%).
消費者將此視爲重中之重，許多人對進入購房市場猶豫不決。29％的美國人沒有房屋，也沒有計劃在未來12個月內購買房屋。在這些美國人中，只有十分之一的美國人認爲房屋所有權是可以實現的。房屋所有權還可能帶來意想不到的開支。51％的美國人預計明年將使用更多的積蓄。對於住房市場上的人（45％）和沒有房屋的人（35％），儲蓄的使用量減少了。
Despite this, homeownership is an incredibly important step to building financial equity over time. Key's data shows that 71% of new homeowners believe they could come up with $2,000 within a month if needed and are very/somewhat confident in the ability to grow their finances (86%).
儘管如此，隨着時間的推移，房屋所有權是建立金融資產的極其重要的一步。Key的數據顯示，71％的新房主認爲，如果需要，他們可以在一個月內拿出2,000美元，並且對財務增長的能力非常/有一定的信心（86％）。
So how can Americans save up to buy a home in 2024? This Fair Housing Month, KeyBank is sharing how they can help potential homebuyers save for their big purchase. Creating a dedicated savings account is a great first step to saving for a home. In fact, that it is the top step taken by 43% of Americans to save for a new home. Working with a professional financial advisor, reducing unnecessary spending and increasing income by taking on side gigs are a few other steps Americans are taking to save money for a home.
那麼，美國人怎樣才能在2024年存錢買房呢？這個公平住房月，KeyBank將分享他們如何幫助潛在的購房者爲大筆購買儲蓄。創建專用儲蓄賬戶是爲房屋儲蓄的重要第一步。實際上，這是43％的美國人爲購買新房而採取的最重要步驟。與專業財務顧問合作、減少不必要的支出以及通過兼職增加收入是美國人爲省錢購房而採取的其他一些措施。
While achieving homeownership may feel daunting, there are a number of resources available to help guide you on your journey. KeyBank is committed to helping our clients achieve their dream of home ownership with equitable and accessible resources. To get in touch with one of our expert mortgage loan officers, click here. Everyone deserves equal access to homeownership, and KeyBank is here to assist you in your big purchase.
儘管獲得房屋所有權可能會讓人望而生畏，但有許多資源可以幫助指導您的旅程。KeyBank致力於通過公平和可獲得的資源幫助我們的客戶實現他們擁有房屋的夢想。要聯繫我們的專業抵押貸款官員，請單擊此處。每個人都應該平等地獲得房屋所有權，KeyBank可以幫助您進行大筆購買。
NMLS# 399797. KeyBank Member FDIC. NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All home lending products, including mortgage, home equity loans and home equity lines of credit, are subject to credit and collateral approval. Not all home lending products are available in all states. Hazard insurance and, if applicable, flood insurance are required on collateral property. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice
1The KeyBank 2024 Financial Mobility Survey was conducted online by Schmidt Market Research. 1,000 Americans, ages 18-70, with sole or shared responsibility for household financial decisions, who own a checking or savings account, completed the survey in September 2023. The survey asked respondents about their financial attitudes, understanding, awareness and actions over the prior year.
NMLS# 399797。聯邦存款保險公司KeyBank成員。注意：這不是貸款或提供信貸的承諾。條件和限制可能適用。所有住房貸款產品，包括抵押貸款、房屋淨值貸款和房屋淨值信貸額度，都需要獲得信貸和抵押品的批准。並非所有州都提供所有住房貸款產品。抵押財產需要危險保險，如果適用，還需要洪水保險。實際費率、費用和條款基於申請之日提供的費率、費用和條款，如有更改，恕不另行通知
1KeyBank 2024年金融流動性調查由施密特市場研究在線進行。1,000名年齡在18-70歲之間、對家庭財務決策負有全部或共同責任、擁有支票或儲蓄賬戶的美國人於2023年9月完成了該調查。該調查詢問了受訪者在過去一年的財務態度、理解、意識和行動。
View additional multimedia and more ESG storytelling from KeyBank on 3blmedia.com.
在 3blmedia.com 上查看 KeyBank 提供的更多多媒體和更多 ESG 故事。
Contact Info:
聯繫信息：
Spokesperson: KeyBank
發言人：KeyBank
SOURCE: KeyBank
來源：KeyBank
譯文內容由第三人軟體翻譯。