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
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%).KeyBank sheds light on spending and saving trends among recent and prospective homebuyers during National Fair Housing Month
在全国公平住房月期间，KeyBank阐明了近期和潜在购房者的支出和储蓄趋势
NORTHAMPTON, MA / ACCESSWIRE / April 29, 2024 / KeyBank:
马萨诸塞州北安普敦/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.
房屋所有权是人生的重要里程碑，标志着朝着长期财务稳定迈出的重要一步。但是，当今房屋市场上的人们正处在一个复杂的格局中，通货膨胀、市场竞争、首付规模以及更多地影响着他们的购买决定。KeyBank 的 2024 年金融流动性调查1 指出，通货膨胀是房屋所有权道路上最令人担忧的问题，40％的市场上或最近购买房屋的人表示，通货膨胀是他们最大的购买影响力。
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%).
消费者将此视为重中之重，许多人对进入购房市场犹豫不决。29％的美国人没有房屋，也没有计划在未来12个月内购买房屋。在这些美国人中，只有十分之一的美国人认为房屋所有权是可以实现的。房屋所有权还可能带来意想不到的开支。51％的美国人预计明年将使用更多的积蓄。对于住房市场上的人（45％）和没有房屋的人（35％），储蓄的使用量减少了。
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%).
尽管如此，随着时间的推移，房屋所有权是建立金融资产的极其重要的一步。Key的数据显示，71％的新房主认为，如果需要，他们可以在一个月内拿出2,000美元，并且对财务增长的能力非常/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.
那么，美国人怎样才能在2024年存钱买房呢？这个公平住房月，KeyBank将分享他们如何帮助潜在的购房者为大笔购买储蓄。创建专用储蓄账户是为房屋储蓄的重要第一步。实际上，这是43％的美国人为购买新房而采取的最重要步骤。与专业财务顾问合作、减少不必要的支出以及通过兼职增加收入是美国人为省钱购房而采取的其他一些措施。
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.
尽管获得房屋所有权可能会让人望而生畏，但有许多资源可以帮助指导您的旅程。KeyBank致力于通过公平和可获得的资源帮助我们的客户实现他们拥有房屋的梦想。要联系我们的专业抵押贷款官员，请单击此处。每个人都应该平等地获得房屋所有权，KeyBank可以帮助您进行大笔购买。
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。联邦存款保险公司KeyBank成员。注意：这不是贷款或提供信贷的承诺。条件和限制可能适用。所有住房贷款产品，包括抵押贷款、房屋净值贷款和房屋净值信贷额度，都需要获得信贷和抵押品的批准。并非所有州都提供所有住房贷款产品。抵押财产需要危险保险，如果适用，还需要洪水保险。实际费率、费用和条款基于申请之日提供的费率、费用和条款，如有更改，恕不另行通知
1KeyBank 2024年金融流动性调查由施密特市场研究在线进行。1,000名年龄在18-70岁之间、对家庭财务决策负有全部或共同责任、拥有支票或储蓄账户的美国人于2023年9月完成了该调查。该调查询问了受访者在过去一年的财务态度、理解、意识和行动。
View additional multimedia and more ESG storytelling from KeyBank on 3blmedia.com.
在 3blmedia.com 上查看 KeyBank 提供的更多多媒体和更多 ESG 故事。
Contact Info:
联系信息：
Spokesperson: KeyBank
发言人：KeyBank
SOURCE: KeyBank
来源：KeyBank
