估算货币政策冲击对美国住房自有率变化的重要性

FEDS Notes Pub Date : 2024-05-01 DOI:10.17016/2380-7172.3457

Daniel A. Dias, João B. Duarte

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摘要

成为房主是美国梦的信条之一。一般来说，与租房相比，人们认为拥有房屋是通过房价的正常升值和通过按揭付款强制储蓄来实现财富的途径，同时也是通过更稳定和可预测的住房成本来实现财务稳定的途径（Young 等人，2023 年）。

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Estimating the importance of monetary policy shocks for variation in the U.S. homeownership rate

Being a homeowner is one of the tenets of the American dream. In general, relative to renting, people see homeownership as a path to wealth through the usual appreciation of the house prices and the forced savings through mortgage payments but also a path to financial stability through more stable and predictable housing costs (Young et al., 2023).

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