A Homeowner’s Net Worth is 45x Greater Than a Renter’s!

20160719-Net-Worth-STM.jpg

Every three years, the Federal Reserve conducts a Survey of Consumer Finances in which they collect data across all economic and social groups. The latest survey, which includes data from 2010-2013, reports that a homeowner’s net worth is 36 times greater than that of a renter ($194,500 vs. $5,400).

每隔三年,美聯儲會收集所有經濟和社會群體的數據來做消費者財務調查。最新的調查包含來自2010年至2013年的數據,報告指出,屋主的身家價值比租屋者高於36倍 ($194,500與$5,400)。

In a Forbes article, the National Association of Realtors’ (NAR) Chief Economist Lawrence Yun predicts that in 2016 the net worth gap will widen even further to 45 times greater.

在Forbes的文章指出,全美地產經紀商協會(NAR)首席經濟學家勞倫斯·雲預估,在2016年身家價值差距將進一步拉大至45倍。

The graph below demonstrates the results of the last two Federal Reserve studies and Yun’s prediction:

下圖展示了美聯儲研究和雲先生的預測結果:

Net-Worth-STM

Put Your Housing Cost to Work for You
讓您的房屋開銷為您累積財富

Simply put, homeownership is a form of ‘forced savings.’ Every time you pay your mortgage, you are contributing to your net worth. Every time you pay your rent, you are contributing to your landlord’s net worth.

簡單地說,擁有自己的房屋形成一種“強制儲蓄”,每次您支付房貸,即是為您的身家財產貢獻,每次您支付租金時,您正在為房東的身家財產貢獻。

The latest National Housing Pulse Survey from NAR reveals that 85% of consumers believe that purchasing a home is a good financial decision. Yun comments:

從NAR最新的全國住房脈衝調查顯示,85%的消費者認為購買房產是很好的財務決策。雲先生評論:

“Though there will always be discussion about whether to buy or rent, or whether the stock market offers a bigger return than real estate, the reality is that homeowners steadily build wealth. The simplest math shouldn’t be overlooked.”

“雖然總是會有關於是否購屋或租屋的討論,或者股市投資是否提供比房地產投資更大回報的討論,但現實狀況顯示屋主不斷積累財富,這最簡單的數學不應該被忽視。

Bottom Line
結論

If you are interested in finding out if you could put your housing cost to work for you by purchasing a home, let’s get together to discuss your next steps.

如果您有興趣了解如何利用購屋來將您的房屋開銷為您累積財富,歡迎與我們聯絡,讓我們一起來討論下一個步驟。

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