成人小说亚洲一区二区三区,亚洲国产精品一区二区三区,国产精品成人精品久久久,久久综合一区二区三区,精品无码av一区二区,国产一级a毛一级a看免费视频,欧洲uv免费在线区一二区,亚洲国产欧美中日韩成人综合视频,国产熟女一区二区三区五月婷小说,亚洲一区波多野结衣在线

首頁(yè) 500強(qiáng) 活動(dòng) 榜單 商業(yè) 科技 領(lǐng)導(dǎo)力 專題 品牌中心
雜志訂閱

美國(guó)教師需要工資翻倍才能買得起房

SYDNEY LAKE
2024-08-16

考慮到教師對(duì)學(xué)生的無(wú)私奉獻(xiàn),他們的工資仍然嚴(yán)重偏低。

文本設(shè)置
小號(hào)
默認(rèn)
大號(hào)
Plus(0條)

在美國(guó),教師僅能負(fù)擔(dān)14%的住房。圖片來(lái)源:GETTY IMAGES—ABLEIMAGES

美國(guó)大多數(shù)人買房越來(lái)越難,這是不爭(zhēng)的事實(shí)。隨著抵押貸款利率超過(guò)7%,房?jī)r(jià)持續(xù)上漲,對(duì)于大多數(shù)美國(guó)人來(lái)說(shuō),買房已變得十分困難,即使是滿懷希望、做出了最大犧牲的購(gòu)房者也是如此。

事實(shí)上,教師的工資需要翻倍才能負(fù)擔(dān)得起美國(guó)的普通住宅??紤]到教師對(duì)學(xué)生的無(wú)私奉獻(xiàn),他們的工資仍然嚴(yán)重偏低。根據(jù)Redfin今年春季發(fā)布的一份報(bào)告,美國(guó)教師的工資中位數(shù)略高于6.4萬(wàn)美元,但美國(guó)人需要年收入超過(guò)11.3萬(wàn)美元才能買得起一套中等價(jià)位的住房。而且沒(méi)有跡象表明房?jī)r(jià)會(huì)很快下降:根據(jù)Redfin的數(shù)據(jù),每月抵押貸款還款額中位數(shù)比疫情前的水平高出了90%。

此外,根據(jù)Redfin周三發(fā)布的一份新報(bào)告,教師只能負(fù)擔(dān)得起學(xué)校通勤距離內(nèi)14%的房屋。

Redfin的經(jīng)濟(jì)學(xué)家們寫(xiě)道:"租房和買房的成本都接近歷史最高水平,但由于房?jī)r(jià)上漲相對(duì)較快、抵押貸款利率居高不下、可供選擇的房產(chǎn)短缺問(wèn)題更為嚴(yán)重,因此在待售市場(chǎng),負(fù)擔(dān)能力進(jìn)一步惡化?!?/p>

許多教師在TikTok上也表達(dá)了同樣的觀點(diǎn),即住房市場(chǎng)無(wú)論是在價(jià)格還是在供應(yīng)方面都很緊張。一位教師稱自己的購(gòu)房過(guò)程“有點(diǎn)尷尬,非常難堪,而且簡(jiǎn)直令人慚愧”。

擁有超過(guò)16萬(wàn)粉絲和1000多萬(wàn)點(diǎn)贊的TikTok用戶@ms.guy說(shuō):“我接到電話,說(shuō)我沒(méi)買到房子,原因是我沒(méi)有資格。購(gòu)房過(guò)程的最新進(jìn)展:結(jié)束了。盡快尋找住處的過(guò)程:仍在進(jìn)行中。‘(我)只能租房了,因?yàn)槟壳皩?duì)蓋伊女士來(lái)說(shuō)買房是不可能實(shí)現(xiàn)的?!?/p>

為什么教師買房這么難?

住房負(fù)擔(dān)能力問(wèn)題的癥結(jié)在于教師工資的增長(zhǎng)速度跟不上購(gòu)房成本的上漲速度。馬里蘭大學(xué)(University of Maryland)建筑、規(guī)劃與保護(hù)學(xué)院房地產(chǎn)開(kāi)發(fā)副教授杰西·薩吉諾(Jesse Saginor)告訴《財(cái)富》雜志,包括警察和消防員在內(nèi)的其他公職人員也很難買到住房。

薩吉諾說(shuō):"總的來(lái)說(shuō),工資跟不上住房成本的上漲速度,主要沿海城市的房?jī)r(jià)上漲速度要快得多。例如,佛羅里達(dá)州棕櫚灘縣的房屋價(jià)值中位數(shù)為493662美元,接近50萬(wàn)美元。那里的教師工資中位數(shù)為42473美元。問(wèn)題在于普遍缺乏負(fù)擔(dān)得起的住房。"

薩吉諾預(yù)計(jì),教師的處境將進(jìn)一步惡化。

薩吉諾說(shuō):“這是典型的教師工資跟不上住房成本上漲速度。對(duì)教師需求最大的地區(qū)可能也會(huì)有大量人口涌入,這將進(jìn)一步增加對(duì)住房的需求,假設(shè)供應(yīng)跟不上需求,住房?jī)r(jià)格將繼續(xù)上漲?!?/p>

不過(guò),一些房屋建筑商和房地產(chǎn)開(kāi)發(fā)商已經(jīng)重視這個(gè)問(wèn)題,開(kāi)始建造價(jià)位較低的房屋??偛课挥诘し鸬腃hallenger Homes就是一個(gè)例子,該公司的新建住宅可立即入住,價(jià)格低至37萬(wàn)美元。相比之下,根據(jù)美國(guó)人口普查局(U.S. Census Bureau)的數(shù)據(jù),6月份售出的新房平均售價(jià)為48.72萬(wàn)美元。Challenger Homes還推出一項(xiàng)名為“家鄉(xiāng)英雄購(gòu)房福利”計(jì)劃,其中包括向教師、消防員、執(zhí)法人員、醫(yī)生和護(hù)士提供2500美元信用額度,可用于新房設(shè)計(jì)或價(jià)格折扣。

Challenger Homes運(yùn)營(yíng)副總裁馬修·蘭金(Matthew Rankin)告訴《財(cái)富》雜志:Challenger Homes推出的計(jì)劃面向的是“消失的中間層”(即“那些沒(méi)有資格申請(qǐng)低收入住房,但可能難以負(fù)擔(dān)市場(chǎng)價(jià)住房的人”)。

不過(guò),蘭金并不指望一夜之間就能扭轉(zhuǎn)局面。

蘭金說(shuō):“在短期內(nèi),教師的住房負(fù)擔(dān)能力仍將是重大挑戰(zhàn)。然而,看看9月份是否有可能出現(xiàn)降息,是否會(huì)導(dǎo)致利率下降,從而提高月供的可負(fù)擔(dān)性,這將是一個(gè)值得關(guān)注的問(wèn)題。雖然這在一定程度上可以減輕一些人的經(jīng)濟(jì)負(fù)擔(dān),但也可能加劇購(gòu)房者之間的競(jìng)爭(zhēng),使住房市場(chǎng)進(jìn)一步復(fù)雜化?!保ㄘ?cái)富中文網(wǎng))

譯者:中慧言-王芳

美國(guó)大多數(shù)人買房越來(lái)越難,這是不爭(zhēng)的事實(shí)。隨著抵押貸款利率超過(guò)7%,房?jī)r(jià)持續(xù)上漲,對(duì)于大多數(shù)美國(guó)人來(lái)說(shuō),買房已變得十分困難,即使是滿懷希望、做出了最大犧牲的購(gòu)房者也是如此。

事實(shí)上,教師的工資需要翻倍才能負(fù)擔(dān)得起美國(guó)的普通住宅。考慮到教師對(duì)學(xué)生的無(wú)私奉獻(xiàn),他們的工資仍然嚴(yán)重偏低。根據(jù)Redfin今年春季發(fā)布的一份報(bào)告,美國(guó)教師的工資中位數(shù)略高于6.4萬(wàn)美元,但美國(guó)人需要年收入超過(guò)11.3萬(wàn)美元才能買得起一套中等價(jià)位的住房。而且沒(méi)有跡象表明房?jī)r(jià)會(huì)很快下降:根據(jù)Redfin的數(shù)據(jù),每月抵押貸款還款額中位數(shù)比疫情前的水平高出了90%。

此外,根據(jù)Redfin周三發(fā)布的一份新報(bào)告,教師只能負(fù)擔(dān)得起學(xué)校通勤距離內(nèi)14%的房屋。

Redfin的經(jīng)濟(jì)學(xué)家們寫(xiě)道:"租房和買房的成本都接近歷史最高水平,但由于房?jī)r(jià)上漲相對(duì)較快、抵押貸款利率居高不下、可供選擇的房產(chǎn)短缺問(wèn)題更為嚴(yán)重,因此在待售市場(chǎng),負(fù)擔(dān)能力進(jìn)一步惡化?!?/p>

許多教師在TikTok上也表達(dá)了同樣的觀點(diǎn),即住房市場(chǎng)無(wú)論是在價(jià)格還是在供應(yīng)方面都很緊張。一位教師稱自己的購(gòu)房過(guò)程“有點(diǎn)尷尬,非常難堪,而且簡(jiǎn)直令人慚愧”。

擁有超過(guò)16萬(wàn)粉絲和1000多萬(wàn)點(diǎn)贊的TikTok用戶@ms.guy說(shuō):“我接到電話,說(shuō)我沒(méi)買到房子,原因是我沒(méi)有資格。購(gòu)房過(guò)程的最新進(jìn)展:結(jié)束了。盡快尋找住處的過(guò)程:仍在進(jìn)行中?!ㄎ遥┲荒茏夥苛耍?yàn)槟壳皩?duì)蓋伊女士來(lái)說(shuō)買房是不可能實(shí)現(xiàn)的?!?/p>

為什么教師買房這么難?

住房負(fù)擔(dān)能力問(wèn)題的癥結(jié)在于教師工資的增長(zhǎng)速度跟不上購(gòu)房成本的上漲速度。馬里蘭大學(xué)(University of Maryland)建筑、規(guī)劃與保護(hù)學(xué)院房地產(chǎn)開(kāi)發(fā)副教授杰西·薩吉諾(Jesse Saginor)告訴《財(cái)富》雜志,包括警察和消防員在內(nèi)的其他公職人員也很難買到住房。

薩吉諾說(shuō):"總的來(lái)說(shuō),工資跟不上住房成本的上漲速度,主要沿海城市的房?jī)r(jià)上漲速度要快得多。例如,佛羅里達(dá)州棕櫚灘縣的房屋價(jià)值中位數(shù)為493662美元,接近50萬(wàn)美元。那里的教師工資中位數(shù)為42473美元。問(wèn)題在于普遍缺乏負(fù)擔(dān)得起的住房。"

薩吉諾預(yù)計(jì),教師的處境將進(jìn)一步惡化。

薩吉諾說(shuō):“這是典型的教師工資跟不上住房成本上漲速度。對(duì)教師需求最大的地區(qū)可能也會(huì)有大量人口涌入,這將進(jìn)一步增加對(duì)住房的需求,假設(shè)供應(yīng)跟不上需求,住房?jī)r(jià)格將繼續(xù)上漲?!?/p>

不過(guò),一些房屋建筑商和房地產(chǎn)開(kāi)發(fā)商已經(jīng)重視這個(gè)問(wèn)題,開(kāi)始建造價(jià)位較低的房屋??偛课挥诘し鸬腃hallenger Homes就是一個(gè)例子,該公司的新建住宅可立即入住,價(jià)格低至37萬(wàn)美元。相比之下,根據(jù)美國(guó)人口普查局(U.S. Census Bureau)的數(shù)據(jù),6月份售出的新房平均售價(jià)為48.72萬(wàn)美元。Challenger Homes還推出一項(xiàng)名為“家鄉(xiāng)英雄購(gòu)房福利”計(jì)劃,其中包括向教師、消防員、執(zhí)法人員、醫(yī)生和護(hù)士提供2500美元信用額度,可用于新房設(shè)計(jì)或價(jià)格折扣。

Challenger Homes運(yùn)營(yíng)副總裁馬修·蘭金(Matthew Rankin)告訴《財(cái)富》雜志:Challenger Homes推出的計(jì)劃面向的是“消失的中間層”(即“那些沒(méi)有資格申請(qǐng)低收入住房,但可能難以負(fù)擔(dān)市場(chǎng)價(jià)住房的人”)。

不過(guò),蘭金并不指望一夜之間就能扭轉(zhuǎn)局面。

蘭金說(shuō):“在短期內(nèi),教師的住房負(fù)擔(dān)能力仍將是重大挑戰(zhàn)。然而,看看9月份是否有可能出現(xiàn)降息,是否會(huì)導(dǎo)致利率下降,從而提高月供的可負(fù)擔(dān)性,這將是一個(gè)值得關(guān)注的問(wèn)題。雖然這在一定程度上可以減輕一些人的經(jīng)濟(jì)負(fù)擔(dān),但也可能加劇購(gòu)房者之間的競(jìng)爭(zhēng),使住房市場(chǎng)進(jìn)一步復(fù)雜化。”(財(cái)富中文網(wǎng))

譯者:中慧言-王芳

It’s no secret it’s become increasingly difficult for most people to buy a home in the U.S. With mortgage rates above 7% and home prices continuing to rise, it’s challenging, in many cases, for the average American to buy a house—even hopeful homebuyers who make the greatest sacrifices.

In fact, teacher pay would need to nearly double in order for them to afford a typical home in the U.S. Considering the level of selflessness teachers dedicate to their students, they continue to be severely underpaid. The median U.S. teacher salary in the U.S. is just over $64,000, yet Americans need to earn an annual income of more than $113,000 to afford a median-priced home, according to a Redfin report released this spring. And there’s no sign those figures will fall anytime soon: The median monthly mortgage payment has increased a whopping 90% above pre-pandemic levels, according to Redfin.

What’s more, teachers can afford only 14% of homes within commuting distance from their school, according to a new Redfin report released Wednesday.

“The cost of both renting and buying are near record highs, but affordability is more strained in the for-sale market because prices are rising relatively quickly, mortgage rates remain elevated, and the shortage of available properties is more severe,” Redfin economists wrote.

Many teachers have shared on TikTok that same sentiment that the housing market is strained—both in terms of price and availability. One teacher called the homebuying process “a little awkward, very embarrassing, and completely humbling.”

“I got the call that I’m not getting the house. I didn’t qualify,” said TikTok user @ms.guy, who has more than 160,000 followers and over 10 million likes on her posts. “Final update on the home buying process: it’s over. Trying to find a place to live as soon as possible process: ongoing. ‘[I’ll] just rent because home buying is not for Ms. Guy right now.”

Why it’s so hard for teachers to buy a home

The crux of the housing affordability issue is teacher wages aren’t increasing enough to keep pace with the rising cost of buying a house. Other public workers, including police officers and firefighters, also struggle to buy a house, Jesse Saginor, an associate professor of real estate development at the University of Maryland’s School of Architecture, Planning & Preservation, told Fortune.

“In general, wages have not kept up with the cost of housing, and major coastal metros have had home values increase far more quickly,” Saginor said. “For instance, the median home value in Palm Beach County, Fla., is $493,662, nearly half a million dollars. The median teacher salary [there] is $42,473. The issue is the general lack of affordable housing.”

And Saginor expects teachers’ situation to continue to worsen.

“The typical teacher salary has not kept up with the cost of housing,” Saginor said. “Areas that may have the most demand for teachers may also have an influx of population, which would also increase the demand for housing and, assuming that supply lags behind demand, would continue to make housing more expensive.”

However, some home builders and real estate developers have taken the issue to heart and are starting to build houses at lower price points. One example is Denver-based Challenger Homes, which has move-in ready new construction homes with prices as low as $370,000. By comparison, the average sales price of new houses sold in June was $487,200, according to the U.S. Census Bureau. Challenger Homes also offers a program called Hometown Hero Homebuyer benefits, which includes a $2,500 credit available to teachers, firefighters, law enforcement officers, doctors, and nurses that can be used toward the design of the new home or a discount off its price.

Challenger Homes’ programming allows buyers in the “missing middle,” or “those who don’t qualify for low-income housing, but might struggle with the cost of market-rate homes,” Matthew Rankin, vice president of operations at Challenger Homes, told Fortune.

Still, Rankin doesn’t expect a turnaround overnight.

“The affordability of housing for teachers is likely to remain a significant challenge in the near term,” Rankin said. “However, it will be interesting to see if a potential rate cut in September could help decrease interest rates, which would make mortgage payments more affordable. While this could ease the financial burden for some, it might also increase competition among buyers, further complicating the housing market.”

財(cái)富中文網(wǎng)所刊載內(nèi)容之知識(shí)產(chǎn)權(quán)為財(cái)富媒體知識(shí)產(chǎn)權(quán)有限公司及/或相關(guān)權(quán)利人專屬所有或持有。未經(jīng)許可,禁止進(jìn)行轉(zhuǎn)載、摘編、復(fù)制及建立鏡像等任何使用。
0條Plus
精彩評(píng)論
評(píng)論

撰寫(xiě)或查看更多評(píng)論

請(qǐng)打開(kāi)財(cái)富Plus APP

前往打開(kāi)
熱讀文章
五月丁香亚洲综合499ee| 无码国产精品一区二区免费模式| 色综合久久久久8天国| 综合色区亚洲熟女妇p | 国产精品成人精品久久久| 91自慰喷水流白浆免费观看| 国产精品永久久久久久久久久| a级午夜毛片免费一区二区| 国产激情精品一区二区三区| 亚洲AV夜夜欢一区二区三区| 国产人成视频在线观看| 波多野结衣一区二区无码中文字幕| 欧美人与动性xxxxx杂性| 欧美va亚洲va日韩va| 亚洲精品97久久中文字幕无码| 亚色洲中中文字幕| 青青久久久久精品亚洲AV中文| 国产韩国精品一区二区三区久久| 137啪啪肉体摄影男女骚视频| 亚洲欧洲日本在线观看| 国语对白露脸XXXXXX,亚州av综合色区无码一区| 精品亚洲日韩国产一二三区亚洲精品国产| 亚洲日韩精品国产3区| 人人妻人人玩人人澡人人爽| 精品久久久久久中文字幕无码软件| 老司国产精品免费视频 | 人妻夜夜爽天天爽三区麻豆AV网站| 中文字幕手机在线精品| 手机在线观看亚洲国产精品| 国产人妖乱国产精品人妖| 网友自拍区视频精品| 久久久久久精品一区二区国产不卡| 国产精品亚洲аⅴ无码播放| 亚洲AV片在线观看| 国产又色又爽又刺激在线观看| 免费看美女裸体奶头无遮挡| 亚洲va国产日韩欧美精品色婷婷| 国产乱码精品一区二区三区香蕉| 国产v片在线播放免费无遮挡| 91精品国产综合久久久久久| 亚洲精品无码专区国产乱码|