Navigating Home Ownership: Balancing Spending and Saving for Financial Success
Navigating Home Ownership: Balancing Spending and Saving for Financial Success
KeyBank's Financial Mobility Survey sheds light on spending and saving habits to help achieve homeownership this Fair Housing Month
KeyBank的金融流動性調查揭示了支出和儲蓄習慣，以幫助在本公平住房月實現房屋所有權
NORTHAMPTON, MA / ACCESSWIRE / April 22, 2024 / Owning a home marks a significant milestone in one's life, yet it also introduces a myriad of financial responsibilities that demand careful foresight and planning. With homeownership, there are new and unforeseen expenses that need to be proactively planned for. As outside and unexpected factors come into play, the importance of having a well-thought-out financial plan becomes paramount.
馬薩諸塞州北安普敦/ACCESSWIRE/2024年4月22日/擁有房屋是人生中的一個重要里程碑，但它也帶來了大量的財務責任，需要仔細的遠見和規劃。在房屋所有權方面，需要積極規劃一些新的和不可預見的開支。隨着外部和意想不到的因素髮揮作用，制定經過深思熟慮的財務計劃的重要性變得至關重要。
A recent survey from KeyBank found the newest generation of homebuyers is living through a tough housing market, making home ownership feel unattainable to many. According to new research from KeyBank's 2024 Financial Mobility Survey1, 29% of Americans do not own a home and do not plan on purchasing one in the next 12 months. Of those Americans, only 1 in 10 indicate that home ownership is very attainable.
KeyBank最近的一項調查發現，最新一代購房者生活在艱難的房地產市場中，這使許多人感到房屋所有權遙不可及。根據KeyBank的2024年金融流動性調查的最新研究1，29％的美國人沒有房屋，也不打算在未來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表示房屋所有權是可以實現的。
While mortgage rates have begun to cool off slightly, the lack of available supply means home prices have remained high. Because of this, some younger Americans are choosing to make financial changes in order to achieve the dream putting money aside, creating budgets, and reducing spending to buy a home and to feel more confident in their financial approach.
儘管抵押貸款利率已開始略有降溫，但缺乏可用供應意味着房價一直居高不下。正因爲如此，一些年輕的美國人選擇進行財務改革，以實現留出資金、制定預算、減少購房支出以及對自己的財務方針更有信心的夢想。
As younger generations approach life milestones, societal pressures may be influencing them to prioritize homeownership. The average age of Americans in the market for a home is 36, and to help with the dream of owning a home, they are spending less and saving more (45%). Among recent and prospective homebuyers, the top step taken to save money for a home is to put away money in a dedicated savings account (43%). Of those who are in the market for a home, 48% reduced unnecessary spending.
隨着年輕一代接近人生里程碑，社會壓力可能會影響他們優先考慮房屋所有權。美國人在房屋市場上的平均年齡爲36歲，爲了幫助實現擁有房屋的夢想，他們減少了支出，增加了儲蓄（45％）。在最近和潛在的購房者中，爲購房存錢的最重要步驟是將錢存入專門的儲蓄賬戶（43％）。在那些進入房屋市場的人中，有48％減少了不必要的支出。
Following the closure of a new home, homeowners may be faced with big ticket items to fix around their home immediately. In fact, 51% of new homeowners expect to use more of their savings next year as compared to those in the market for a home (45%) or who don't own a house (35%). However, new homeowners are bringing financial confidence to the closing table. Almost three-fourths (71%) of new homeowners within the last 12 months 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%).
新房關閉後，房主可能會面臨大量需要立即修理房屋周圍的物品。實際上，與市場上購房（45％）或無房者（35％）相比，有51％的新房主預計明年將更多的積蓄用於購房。但是，新房主正在爲收盤時帶來財務信心。在過去的12個月中，將近四分之三（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％）。
Whether you're settling into your new home or saving for your dream house, maintaining a healthy balance between saving and spending is crucial. The homebuying process can seem intimidating, especially in a challenging economic environment, so it is important to consult with your financial professional or mortgage loan officer to determine the pathways to homeownership that make the most sense for your goals and your budget. By staying proactive and mindful of your financial habits, you can navigate homeownership with confidence and secure your financial future.
無論你是在新家安頓下來還是爲夢想中的房子儲蓄，在儲蓄和支出之間保持健康的平衡都至關重要。購房過程可能看起來令人生畏，尤其是在充滿挑戰的經濟環境中，因此，請務必諮詢金融專業人士或抵押貸款官員，以確定最適合您的目標和預算的房屋所有權途徑。通過保持積極主動和注意自己的財務習慣，您可以放心地駕馭房屋所有權並確保自己的財務未來。
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.
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。
CFMA #240416-2554178
CFMA #240416 -2554178
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.
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:
Spokesperson: KeyBank
聯繫信息：
發言人：KeyBank
SOURCE: KeyBank
來源：KeyBank
譯文內容由第三人軟體翻譯。