CNBC的新闻:房主的未来是拉美裔 The future of home ownership is Latino https://www.cnbc.com/2021/06/26/the-future-of-home-ownership-is-latino.html More than half of home ownership growth over the past decade has come from the Latino population. That trend is expected to continue. A study by the Urban Institute forecasts Latino buyers will comprise 70% of home ownership growth from 2020-2040, serving as the growth engine of American home buying. 在不远的将来这一比例会达到70% 为何比例会这么高?因为拉美裔在年轻人中的比例非常大,新房主大多是年轻人 Latinos purchase homes with an average down payment of 3.5%, and have a median credit score of 668 and median debt-to-income ratio of 41% 拉美裔平均首付是3.5%,平均信用记录668分,平均房贷收入比是41%
https://www.cnbc.com/2021/06/26/the-future-of-home-ownership-is-latino.html
More than half of home ownership growth over the past decade has come from the Latino population. That trend is expected to continue. A study by the Urban Institute forecasts Latino buyers will comprise 70% of home ownership growth from 2020-2040, serving as the growth engine of American home buying.
在不远的将来这一比例会达到70% 为何比例会这么高?因为拉美裔在年轻人中的比例非常大,新房主大多是年轻人
Latinos purchase homes with an average down payment of 3.5%, and have a median credit score of 668 and median debt-to-income ratio of 41% 拉美裔平均首付是3.5%,平均信用记录668分,平均房贷收入比是41%
他们的社会组织多吧
政治影响大吧
美国快点和拉丁美洲合并吧
西班牙语感觉比英语好学
英语的词汇太难太难了, 当年学英语头疼死了!!
英语的词汇 实在感觉恶心.
西班牙语, 德语, 起码不需要音标.
哎
这几个指标都指向次贷。
怎么做到的啊。。。不是都抢房时代嘛。这点儿down根本抢不到房子阿。
他们是Majority
班上好几次有人担保不会再有次贷危机了
这个不是特权,他们要交额外的保险,这个保险是保lender的,你也可以付少于20%的down payment
也不一定,拉美也許不是碼農但收入也很多元
是的,多低的首付都可以,只要交mortgage insurance就行
我也很好奇。。。我们这里首付没有20%拿不到银行的pre-approval,没有pre-approval卖家不给看房,这还只是第一步。真的bidding war的时候还是会败给cash offer。 话说什么样的卖家会卖给3.5%首付的买家啊,难道没有其他offer了吗?
我知道有mortgage insurance啊。但是抢房的话,什么样的卖家会卖给首付3.5%的买家啊?卖给首付20%,甚至cash offer的买家不香吗?除非这个3.5%首付的offer是唯一的或者是最好的offer...
说的是过去十年。。。美国那么大,总不可能都是热门抢房区。如果offer出的高,银行也肯批,卖家本身要all cash又没什么用。
赶紧来,等抄底……
也並不是每州都搶房,就算是加州南北也不一樣,所謂搶房大慨只是灣區傻子多吧😂😂😂
而且老墨都信教而且一生一窝,不会有自己死了哪管洪水滔天这种想法