哈佛大学：房价暴涨或让美国数百万人的住房梦成为泡影

哈佛大学日前发布的年度国家住房报告称，房价和房租的暴涨再加上利率的上调让数百万美国人的住房梦更加遥不可及。

哈佛大学日前发布的年度国家住房报告称，房价和房租的暴涨再加上利率的上调让数百万美国人的住房梦更加遥不可及，按揭利率的上升也让贷款买房者面临失去房屋所有权的威胁。

The record run-up in home prices and rents exacerbated the affordable housing crisis in the US, and rising interest rates stand to make it even worse, according to Harvard University's annual State of the Nation's Housing Report released Wednesday.

哈佛大学6月22日发布的年度国家住房报告称，房价和房租的创纪录暴涨加剧了美国的住房可负担性危机，与此同时利率的上调将让这一局面雪上加霜。

Although quickly rising mortgage rates are already appearing to cool overheated housing markets, they are putting the homeownership dreams of millions of Americans even further out of reach, researchers and housing industry experts said.

研究人员和房地产专家指出，尽管房贷利率的快速上升似乎已经让过热的住宅市场降温，但是却让数百万美国人的住房梦更加遥不可及。

The income needed to qualify for a home has skyrocketed: The mortgage, property tax and insurance payments for a median-priced home of $340,700 cost $700 more per month in April 2022 than they did a year before. And the annual income needed to qualify for such a home is $28,000 higher in April 2022 versus last year, according to Harvard's Joint Center for Housing Studies, which analyzed data from Freddie Mac and the National Association of Realtors.

通过分析房地美和全国房地产经纪人协会的数据，哈佛大学联合住房研究中心发现，符合买房资格所需的收入水平一路飙升：2022年4月购买一套34万美元的中等价位住房每月要支付的按揭、房产税和保险费比一年前增加了700美元，购买这样一套住房所需的年收入门槛也比一年前高出了2.8万美元。