Provident Bank's First-Time Home Buyer Survey Reveals That While Homeownership Continues to Be Challenging, Many Americans Are Finding Their Home in Less Than a Year
Provident Bank's First-Time Home Buyer Survey Reveals That While Homeownership Continues to Be Challenging, Many Americans Are Finding Their Home in Less Than a Year
ISELIN, N.J., Oct. 15, 2024 (GLOBE NEWSWIRE) -- Provident Bank, a leading New Jersey-based financial institution, has released the results of its First-Time Home Buyer Survey, taking stock of the generational differences in how Americans are navigating a complicated housing market. This year's survey revealed that, not surprisingly, searching for a first home is extremely challenging. The top two factors impacting budgets are high mortgage rates and the lack of homes within an original budget. However, across generations, Americans appear to be buying their first home after only looking less than a year, signaling growing optimism in the market.
伊斯林，新澤西，2024年10月15日（全球新聞社）-- Provident 銀行， 一家領先的總部位於新澤西的金融機構，公佈了其首次購房者調查的結果，了解美國人在複雜的房地產市場中如何處理代際差異。今年的調查顯示，毫不奇怪，尋找第一套房子非常具有挑戰性。影響預算的前兩個因素是高抵押貸款利率和原先預算範圍內缺乏房屋。然而，跨越代際，美國人似乎在看房不到一年後就購買他們的第一套房，這表明市場信心在增長。
Potential homeowners are prolonging the buying process and waiting to make a final purchase:
潛在的購房者正在延長購房流程，並等待最終購房：
Searching for a new home is challenging for first-time home buyers across generations. There are frequent bidding wars, which can lead to many making sacrifices for their dream home.
對於各代首次購房者來說，尋找新房具有挑戰性。經常會出現競標戰，這可能導致許多人爲了他們的夢想之家做出犧牲。
- Over 40% of Gen Xers have been involved in a significant number (5+) of bidding wars during the home-buying process. Comparatively, only 30% of Millennial respondents have had the same experience.
- Over 50% of Gen X respondents have had to significantly adjust their search criteria to stay within budget. Nearly 50% of both Millennials and Gen X respondents noted that they've settled for an older home that needs renovations to complete the buying process, compared to only 39% of Gen Z respondents.
- 超過40%的X世代人在購房過程中參與了大量（5+）次競標戰。相比之下，只有30%的千禧一代受訪者有過同樣的經歷。
- 超過50%的X世代受訪者不得不顯著調整他們的搜索標準以控制預算。幾乎有50%的千禧一代和X世代受訪者指出他們不得不接受需要翻新的老房子來完成購買過程，而相比之下，只有39%的Z世代受訪者有相同的經歷。
Amidst all of these challenges, Americans still look toward traditional financial avenues to complete the home-buying process:
在所有這些挑戰中，美國人仍然尋求傳統的金融途徑來完成購房過程：
Overall, potential homeowners are still looking to traditional financial institutions to help them through the home-buying process. However, there are clear differences between how generations think about their financing options and the experts available to them.
總體而言，潛在的房主仍然尋求傳統金融機構的幫助來完成購房過程。然而，不同世代在如何看待他們的融資選擇和可供諮詢的專家方面存在明顯差異。
- Over half of respondents noted that their savings account is their main source of capital for their down payment. The second highest source of capital stems from access to first-time home buyer program grant(s).
- 15% of Gen X respondents will look to a fintech company for financing for buying a first home compared to only 6% of Gen Z respondents. Nearly 56% of Gen X respondents will be speaking to a traditional bank as a source for the financing process in buying their first home.
- Just under 50% of all Millennial respondents noted they would look to a traditional bank for financing to buy their first home.
- 超過一半的受訪者指出他們的儲蓄帳戶是他們首付的主要資金來源。第二大資金來源是獲得首次購房者計劃津貼。
- 15%的X世代受訪者將尋求金融科技公司爲購買第一套房提供融資，而只有6%的Z世代受訪者這樣做。近56%的X世代受訪者將與傳統銀行交談，作爲他們購買第一套房融資過程的資金來源。
- 將近50%的千禧一代受訪者指出，他們會尋求傳統銀行的融資來購買他們的第一套房子。
"The findings from this year's survey support what we've been hearing directly from customers - in order to navigate a highly competitive home buying market, understanding all of the financing resources and capital requirements at your disposal is the key to success," said Margaret Volk, Senior Vice President, and Director of Mortgage and Consumer Lending, at Provident Bank. "Especially as we enter a new phase of the mortgage rate cycle, we believe it is our responsibility to ensure our customers are equipped with the resources and information needed to navigate the financing process to achieve such an important life goal like buying a home."
今年調查結果支持我們直接從客戶那裏聽到的信息-爲了在競爭激烈的購房市場中導航，了解所有可利用的融資資源和資金需求是成功的關鍵，"高級副總裁兼抵押和消費貸款董事瑪格麗特•沃爾克(Margaret Volk)說，"特別是當我們進入抵押利率循環的新階段時，我們相信我們有責任確保我們的客戶配備所需的資源和信息以便順利完成購房過程，實現購房這樣一個重要的人生目標。"
The survey was conducted by Survey Monkey, a market research provider, on behalf of Provident Bank. The findings are based on 1,000 responses.
該調查是由市場研究提供商Survey Monkey代表Provident Bank進行的。這些結果基於1000份回覆。
About Provident Bank
關於Provident Bank
Founded in Jersey City in 1839, Provident Bank is the oldest community-focused financial institution based in New Jersey and is the wholly owned subsidiary of Provident Financial Services, Inc. (NYSE:PFS). With assets of $24.07 billion as of June 30, 2024, Provident Bank offers a wide range of customized financial solutions for businesses and consumers with an exceptional customer experience delivered through its convenient network of 140 branches across New Jersey and parts of New York and Pennsylvania, via mobile and online banking, and from its customer contact center. The bank also provides fiduciary and wealth management services through its wholly owned subsidiary, Beacon Trust Company, and insurance services through its wholly owned subsidiary, Provident Protection Plus, Inc. To learn more about Provident Bank, go to or call our customer contact center at 800.448.7768.
成立於1839年的澤西城，Provident Bank是總部位於新澤西州的最古老的以社區爲重點的金融機構，是Provident Financial Services, Inc.（紐交所:PFS）的全資子公司。截至2024年6月30日，Provident Bank的資產達到240.7億美元，提供一系列定製的金融解決方案，適用於企業和消費者，通過位於新澤西州和紐約、賓夕法尼亞部分地區的140家便利網點、移動和網上銀行，以及其客戶聯繫中心提供卓越的客戶體驗。該銀行還通過其全資子公司Beacon Trust Company提供受託和财富管理服務，通過其全資子公司Provident Protection Plus, Inc.提供保險服務。要了解更多有關Provident Bank的信息，請訪問 或者撥打我們的客戶聯繫中心電話800.448.7768。
Media Contact:
Provident Bank
Keith Buscio – keith.buscio@provident.bank
媒體聯繫人：
Provident 銀行
Keith Buscio – keith.buscio@provident.bank
Vested
providentbank@fullyvested.com
34,105
providentbank@fullyvested.com
譯文內容由第三人軟體翻譯。
