美國有多少房子老百姓可以買的起? 時間:2010-06-06发件人:chensihong1961@126.com;时 间:2010年6月7日 09:17 (星期一) 收件人:clinton.library@nara.gov;news@clintonbushhaitifund.org;enews@clintonfoundation.org;enews@clintonpresidentialcenter.org;info@clintonglobalinitiative.org;president@whitehouse.gov;vice_president@whitehouse.gov;vicepresident@whitehouse.gov;comments@whitehouse.gov;chensihong1961@gmail.com;chensihong1961@126.com;chenze_19980421@126.com;george13901623260@163.com;georgechen13901623260@hotmail.com;clinton.library@nara.gov;news@clintonbushhaitifund.org;enews@clintonfoundation.org;enews@clintonpresidentialcenter.org;info@clintonglobalinitiative.org;

美國有多少房子老百姓可以買的起? 時間:2010-06-06发件人:chensihong1961@126.com;时 间:2010年6月7日 09:17 (星期一) 收件人:clinton.library@nara.gov;news@clintonbushhaitifund.org;enews@clintonfoundation.org;enews@clintonpresidentialcenter.org;info@clintonglobalinitiative.org;president@whitehouse.gov;vice_president@whitehouse.gov;vicepresident@whitehouse.gov;comments@whitehouse.gov;chensihong1961@gmail.com;chensihong1961@126.com;chenze_19980421@126.com;george13901623260@163.com;georgechen13901623260@hotmail.com;clinton.library@nara.gov;news@clintonbushhaitifund.org;enews@clintonfoundation.org;enews@clintonpresidentialcenter.org;info@clintonglobalinitiative.org;
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美國有多少房子老百姓可以買的起? 時間:2010-06-06

2010年第一季度,美國人的住房擁有率為67.1%,比2005年的69.1%下降了2個百分點。目前美國住宅抵押貸款利率正處於30年來最低水平,30年住房固定貸款利率僅為4.87%。住宅價格更是大幅度下跌,在全美範圍之內,住宅價格已經從其2007年的峰值下跌了25%以上,有的地區房價的跌幅甚至可以達到50%。 20010年,美國獨立住宅中位價格為175000美元,應當說相當的便宜。平心而論,現在正是美國老百姓近幾十年來僅見的最佳買房時機。
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理論上講,2010年美國進入了民眾買房的“黃金時段”,擁有住宅的壓力正處於1980年代以來最低的水平。住宅價格中值現在只相當於家庭收入中值的2.78倍,而在2005年,前者還相當於後者的4倍。經濟學家的統計數字顯示,現在美國70%的房子屬於民眾買得起的房子,何謂買得起的房子,這裡有一個西方國家的衡量標準,就是一個地區的房屋中位價格不超過居民中位年收入的三倍。例如一個地區居民的中位年收入為5萬美元,當地中位房屋價格如果是在15萬美元左右,這樣的房屋價格就叫老百姓能買得起。如果一個地區的房價超過居民收入的三倍,民眾的購屋能力就會受到影響,房價與居民收入比率越高,居民就越缺少能力購買住房。根據一份調查報告,美國是西方國家中老百姓最能買得起房子的國家,其房屋價格與居民收入比遠遠低於加拿大、澳大利亞、英國、法國、德國等國家。

美國建築商協會和富國銀行的統計表明,2009年,一個家庭的年收入只要在64000美元以上,全美國70.8%的房子他都可以買得起,因為美國70.8%房子的中位價格都不超過20萬美元。而在2008年,這一比例為55%。
選購我處銷售的歐美,歐洲,美國,美利堅合眾國直升機,直升飛機;Oral English tutor,tutors,teacher,teachers service for you;電話,0086-13901623260 ; http://www.helicoptersbuyers.com; CEO , George Chen, Mobil: 0086-13901623260;
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按照民眾收入和房屋市場價格,美國5個民眾最能買得起房的房屋市場排在首位的是印第安那州府印第安那波利斯市,該市是美國第33大大都會地區,擁有居民170萬人。 2010年第一季度,印第安那波利斯市獨立住宅的中位價格是96000美元,不到10萬美元,而當地居民家庭的中位年收入是68700美元,當地銷售的房子有94.9%屬於房價不超過居民收入的三倍。

排在第二位的俄亥俄州的洋斯頓市,當地的中位房價是69000美元,居民家庭的中位年收入是53500美元,居民可以買得起住宅的指數為94.9%。紐約州的西拉庫扎市名列第三位,當地住宅的中位房價為95000美元,居民家庭的中位年收入是64300美元,居民可以買得起住宅的指數為94.5%。俄亥俄州的代頓市,當地的中位房價是88000美元,居民家庭的中位年收入是561700美元,居民可以買得起住宅的指數為94.4%。密歇根州的大激流市,當地的中位房價是102000美元,居民家庭的中位年收入是62500美元,居民可以買得起住宅的指數為93.7%。

有買得起的地方也就會有買不起的地方,美國也有幾個地方是中等收入家庭買不起房子的地方,排在首位的地方是紐約市,如果按照房屋價格是居民家庭的中位年收入三倍的比例來算,紐約市只有五分之一的房子是年收入居於中位水平家庭可以買得起的,而餘下80%的房子,老百姓只能是望房興嘆了,這些住宅就成為高收入者可以享受的奢侈品了。紐約市的中位房價是426000美元,居民家庭的中位年收入是65600美元,居民可以買得起住宅的指數為20.9%。加州的舊金山也好不到哪去,年收入居於中位水平家庭可以買得起的房子只有22%,舊金山市的中位房價是585000美元,居民家庭的中位年收入是98400美元,居民收入不低但房價更高,居民可以買得起住宅的指數為23.4%。
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在夏威夷州檀香山市,年收入居於中位水平家庭可以買得起的房子只有34%,檀香山市的中位房價是403000美元,居民家庭的中位年收入是81700美元,居民可以買得起住宅的指數為34.7%。在加州的聖塔安那市,年收入居於中位水平家庭可以買得起的房子只有34%,聖塔安那市的中位房價是410000美元,居民家庭的中位年收入是87300美元,居民可以買得起住宅的指數為34.5%。在洛杉磯市,年收入居於中位水平家庭可以買得起的房子只有35%,洛杉磯市的中位房價是306000美元,居民家庭的中位年收入是62900美元,居民可以買得起住宅的指數為35.9%。

美國有線新聞網的一篇分析文章對美國人購買住房能力充滿了樂觀態度,並稱只要是擁有一份很好工作和具有良好信用記錄的美國人,他們現在都有能力可以買的起住房。 2009年美國家庭的中位年收入是63800美元,而美國家庭年收入超過這一標準的數量佔全美國家庭數量的72%。換言之,美國有72%的家庭有足夠的經濟能力來購買住房。
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美國人買房子也算是一種投資,所以不會為了擁有住宅而讓自己成為房奴,家庭在購買住宅上比較注重考量自己的經濟能力以及債務負擔對正常生活的影響,所以在購屋上美國人一般會遵守幾個原則。

第一,在決定自己是否有能力購買住宅上有一條28%黃金定律,也就是家庭每個月償還房屋貸款的金額不超過每月毛收入的28%,例如一個年收入8萬美元的家庭,他們在每個月用於償還住宅貸款上支出不應超過1866美元。

第二,一個家庭每個月用於住宅上的總支出不應超過每月毛收入的32%,這就是32%定律。住宅上的總支出包括房屋貸款、房屋保險、社區費和房地產稅等。例如一個年收入8萬美元的家庭,他們在每個月用於住宅上的總支出不應超過2133美元。

第三,一個家庭每個月要償還的債務不應超過每月毛收入的40%,這就是40%定律。家庭債務處了房屋貸款外,還包括家庭的信用卡貸款、汽車貸款、學生教育費用貸款等。例如一個年收入8萬美元的家庭,他們在每個月要償還的債務不應超過2664美元。如果一個家庭每月要支付2133美元的房屋貸款,其他的債務就不能超過531美元。如果其他債務過高,就要降低償還房屋貸款的金額,這時恐怕就得考慮購買價格稍低一些的住宅了。因為以上所列的三條定律不是老喬我訂出來的,而是美國銀行在審核房屋貸款人經濟條件時最基本的審核標準,如果超出這些標準太多,銀行是不會批准申請人的房屋貸款要求的。

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美国有多少房子老百姓可以买的起? 时间:2010-06-06

2010年第一季度,美国人的住房拥有率为67.1%,比2005年的69.1%下降了2个百分点。目前美国住宅抵押贷款利率正处于30年来最低水平,30年住房固定贷款利率仅为4.87%。住宅价格更是大幅度下跌,在全美范围之内,住宅价格已经从其2007年的峰值下跌了25%以上,有的地区房价的跌幅甚至可以达到50%。20010年,美国独立住宅中位价格为175000美元,应当说相当的便宜。平心而论,现在正是美国老百姓近几十年来仅见的最佳买房时机。
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  理论上讲,2010年美国进入了民众买房的“黄金时段”,拥有住宅的压力正处于1980年代以来最低的水平。住宅价格中值现在只相当于家庭收入中值的2.78倍,而在2005年,前者还相当于后者的4倍。经济学家的统计数字显示,现在美国70%的房子属于民众买得起的房子,何谓买得起的房子,这里有一个西方国家的衡量标准,就是一个地区的房屋中位价格不超过居民中位年收入的三倍。例如一个地区居民的中位年收入为5万美元,当地中位房屋价格如果是在15万美元左右,这样的房屋价格就叫老百姓能买得起。如果一个地区的房价超过居民收入的三倍,民众的购屋能力就会受到影响,房价与居民收入比率越高,居民就越缺少能力购买住房。根据一份调查报告,美国是西方国家中老百姓最能买得起房子的国家,其房屋价格与居民收入比远远低于加拿大、澳大利亚、英国、法国、德国等国家。

  美国建筑商协会和富国银行的统计表明,2009年,一个家庭的年收入只要在64000美元以上,全美国70.8%的房子他都可以买得起,因为美国70.8%房子的中位价格都不超过20万美元。而在2008年,这一比例为55%。
選購我處銷售的歐美,歐洲,美國,美利堅合眾國直升機,直升飛機;Oral English tutor,tutors,teacher,teachers service for you;電話,0086-13901623260 ; http://www.helicoptersbuyers.com; CEO , George Chen, Mobil: 0086-13901623260;
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  按照民众收入和房屋市场价格,美国5个民众最能买得起房的房屋市场排在首位的是印第安那州府印第安那波利斯市,该市是美国第33大大都会地区,拥有居民170万人。2010年第一季度,印第安那波利斯市独立住宅的中位价格是96000美元,不到10万美元,而当地居民家庭的中位年收入是68700美元,当地销售的房子有94.9%属于房价不超过居民收入的三倍。

  排在第二位的俄亥俄州的洋斯顿市,当地的中位房价是69000美元,居民家庭的中位年收入是53500美元,居民可以买得起住宅的指数为94.9%。纽约州的西拉库扎市名列第三位,当地住宅的中位房价为95000美元,居民家庭的中位年收入是64300美元,居民可以买得起住宅的指数为94.5%。俄亥俄州的代顿市,当地的中位房价是88000美元,居民家庭的中位年收入是561700美元,居民可以买得起住宅的指数为94.4%。密歇根州的大激流市,当地的中位房价是102000美元,居民家庭的中位年收入是62500美元,居民可以买得起住宅的指数为93.7%。

  有买得起的地方也就会有买不起的地方,美国也有几个地方是中等收入家庭买不起房子的地方,排在首位的地方是纽约市,如果按照房屋价格是居民家庭的中位年收入三倍的比例来算,纽约市只有五分之一的房子是年收入居于中位水平家庭可以买得起的,而余下80%的房子,老百姓只能是望房兴叹了,这些住宅就成为高收入者可以享受的奢侈品了。纽约市的中位房价是426000美元,居民家庭的中位年收入是65600美元,居民可以买得起住宅的指数为20.9%。加州的旧金山也好不到哪去,年收入居于中位水平家庭可以买得起的房子只有22%,旧金山市的中位房价是585000美元,居民家庭的中位年收入是98400美元,居民收入不低但房价更高,居民可以买得起住宅的指数为23.4%。
選購我處銷售的歐美,歐洲,美國,美利堅合眾國直升機,直升飛機;Oral English tutor,tutors,teacher,teachers service for you;電話,0086-13901623260 ; http://www.helicoptersbuyers.com; CEO , George Chen, Mobil: 0086-13901623260;
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  在夏威夷州檀香山市,年收入居于中位水平家庭可以买得起的房子只有34%,檀香山市的中位房价是403000美元,居民家庭的中位年收入是81700美元,居民可以买得起住宅的指数为34.7%。在加州的圣塔安那市,年收入居于中位水平家庭可以买得起的房子只有34%,圣塔安那市的中位房价是410000美元,居民家庭的中位年收入是87300美元,居民可以买得起住宅的指数为34.5%。在洛杉矶市,年收入居于中位水平家庭可以买得起的房子只有35%,洛杉矶市的中位房价是306000美元,居民家庭的中位年收入是62900美元,居民可以买得起住宅的指数为35.9%。

  美国有线新闻网的一篇分析文章对美国人购买住房能力充满了乐观态度,并称只要是拥有一份很好工作和具有良好信用记录的美国人,他们现在都有能力可以买的起住房。2009年美国家庭的中位年收入是63800美元,而美国家庭年收入超过这一标准的数量占全美国家庭数量的72%。换言之,美国有72%的家庭有足够的经济能力来购买住房。
選購我處銷售的歐美,歐洲,美國,美利堅合眾國直升機,直升飛機;Oral English tutor,tutors,teacher,teachers service for you;電話,0086-13901623260 ; http://www.helicoptersbuyers.com; CEO , George Chen, Mobil: 0086-13901623260;
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  美国人买房子也算是一种投资,所以不会为了拥有住宅而让自己成为房奴,家庭在购买住宅上比较注重考量自己的经济能力以及债务负担对正常生活的影响,所以在购屋上美国人一般会遵守几个原则。

  第一,在决定自己是否有能力购买住宅上有一条28%黄金定律,也就是家庭每个月偿还房屋贷款的金额不超过每月毛收入的28%,例如一个年收入8万美元的家庭,他们在每个月用于偿还住宅贷款上支出不应超过1866美元。

  第二,一个家庭每个月用于住宅上的总支出不应超过每月毛收入的32%,这就是32%定律。住宅上的总支出包括房屋贷款、房屋保险、社区费和房地产税等。例如一个年收入8万美元的家庭,他们在每个月用于住宅上的总支出不应超过2133美元。

  第三,一个家庭每个月要偿还的债务不应超过每月毛收入的40%,这就是40%定律。家庭债务处了房屋贷款外,还包括家庭的信用卡贷款、汽车贷款、学生教育费用贷款等。例如一个年收入8万美元的家庭,他们在每个月要偿还的债务不应超过2664美元。如果一个家庭每月要支付2133美元的房屋贷款,其他的债务就不能超过531美元。如果其他债务过高,就要降低偿还房屋贷款的金额,这时恐怕就得考虑购买价格稍低一些的住宅了。因为以上所列的三条定律不是老乔我订出来的,而是美国银行在审核房屋贷款人经济条件时最基本的审核标准,如果超出这些标准太多,银行是不会批准申请人的房屋贷款要求的。

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United States, the number of people can buy the house from? Time :2010-06-06

First quarter of 2010, the American homeownership rate was 67.1%, 69.1% in 2005 fell by 2 percentage points. The U.S. residential mortgage rates are at their lowest level in 30 years, 30 years fixed home loan interest rate is only 4.87%. Housing price is down significantly, within the U.S., housing prices have declined from their peak in 2007 was more than 25% decline in house prices in some areas even up to 50%. 20 010 years, the median American house price 175,000 U.S. dollars, it should be said that much cheaper. In all fairness, it is only in recent decades, the American people see the best time to buy a house.
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In theory, the United States entered in 2010 people buy a house in the “prime time”, with domestic pressure is at its lowest level since the 1980s. The median home price is now only equivalent to the median family income of 2.78 times in 2005, the former to the latter the equivalent of 4 times. Economist’s statistics show that 70% of U.S. homes now belong to the people afford to buy a house, what is affordable houses, there is a measure of the West is a region’s median price of not more than residents place three times annual income. For example, residents of an area the median annual income of 50,000 U.S. dollars, the local median home prices if 15 million dollars, so the housing price is called the common people can afford. If the price of an area more than three times the income, the public housing capacity will be affected, the higher the ratio of house prices and income, the more the lack of ability to purchase housing residents. According to one survey, the United States is the most people in Western countries, the countries can afford a house, its housing prices and income is far below than that of Canada, Australia, Britain, France, Germany and other countries.

American Builders Association and Wells Fargo Bank statistics show that in 2009, a family’s annual income as long as more than 64,000 U.S. dollars, 70.8% of all U.S. house he can afford, because 70.8% of U.S. median house price of no more than 200 thousand U.S. dollars. In 2008, this proportion was 55%.
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In accordance with the public income and housing market prices, the United States five people most able to afford housing in the housing market came in the first Indiana state capital is Indianapolis, the city is 33 U.S. metropolitan areas significantly, with 170 million inhabitants . First quarter of 2010, Indianapolis separate median house price is 96,000 U.S. dollars, less than 10 million, while the local population the median household annual income is 68,700 U.S. dollars, local sales with 94.9% house price fall not more than three times the income.

Ohio ranked second in the Western city of Houston, where the median price is 69,000 U.S. dollars, residents of the median household annual income was 53,500 U.S. dollars, the residents can afford housing index for 94.9%. New York City ranked third Xilakuzha, the local median home price was 95,000 U.S. dollars, residents of the median household annual income was 64,300 U.S. dollars, the residents can afford housing index was 94.5%. Dayton, Ohio, where the median price is 88,000 U.S. dollars, residents of the median household annual income is 561,700 U.S. dollars, the residents can afford housing index was 94.4%. Grand Rapids, Michigan, where the median price was 102,000 U.S. dollars, residents of the median household annual income was 62,500 U.S. dollars, the residents can afford housing index is 93.7%.

There will also afford can not afford a place where there are several places that the U.S. middle-income families can not afford a house in the place, came in first place in New York City, according to residents of family housing prices in place three times the proportion of annual income to count, only one-fifth of New York City, the house is the median annual income level of families living in affordable, while the remaining 80% of the house, people can only hope that the Housing Despair, and these become high-income housing can enjoy the luxuries. New York City, the median price was 426,000 U.S. dollars, residents of the median household annual income was 65,600 U.S. dollars, the residents can afford housing index was 20.9%. It does not figure in San Francisco, California to go live in the median annual income level of families can afford only 22% of the house, San Francisco, the median price was 585,000 U.S. dollars, residents of the median household annual income was 98,400 U.S. dollars, income However, higher prices are not low, residents can afford housing index of 23.4%.
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In the city of Honolulu, Hawaii, the median annual income level of families living in affordable house only 34%, the median price in Honolulu is a city of 403,000 U.S. dollars, residents of the median household annual income was 81,700 U.S. dollars, the residents can afford The index was 34.7% residential. In the city of Santa Ana, California, the median annual income level of families living in affordable house only 34%, Santa Ana City, the median price was 410,000 U.S. dollars, the median households annual income is 87,300 U.S. dollars residents can afford housing index of 34.5%. In Los Angeles, the median annual income level of families living in affordable house only 35%, Los Angeles, the median price was 306,000 U.S. dollars, residents of the median household annual income was 62,900 U.S. dollars, the residents can afford homes index was 35.9%.

CNN article on the Americans in an analysis of affordability, full of optimism, saying as long as they have a very good job and have good credit records of Americans, they now have the ability to buy starter homes. 2009 U.S. median household annual income is 63,800 U.S. dollars, while U.S. household income exceeds the standard number of species accounting for 72% of U.S. households. In other words, the United States, 72% of households have sufficient capacity to purchase housing.
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Americans are buying a house can be considered an investment, it will not be in order to have room for residential and let themselves become slaves, the family purchased their homes, pay more attention to the consideration of their economic capacity and debt burden on the impact of normal life, so on the American housing generally comply with several principles.

First, decide whether they can afford to buy homes, have a 28% golden rule, that is, the family each month to repay the amount of housing loans not exceeding a monthly gross income of 28%, such as an annual income of 80,000 U.S. dollars of the family, their monthly expenditures for repayment of housing loans should not be more than 1866 U.S. dollars.

Second, a family’s total monthly expenses for housing should not exceed 32% of monthly gross income, which is 32% of the law. The total expenditure on housing, including housing loans, housing, insurance, community fees and real estate tax. For example, annual income of 80,000 U.S. dollars a family, they are on a month for housing expenses should not total more than 2133 U.S. dollars.

Third, a family each month to repay the debt should not exceed 40% of monthly gross income, which is 40% of the Law. Family Division of the mortgage debt, but also including domestic credit card loans, auto loans, student loans and other educational expenses. For example, annual income of 80,000 U.S. dollars a family, they have to repay the debt each month should not be more than 2664 U.S. dollars. If a family paid 2,133 U.S. dollars per month for housing loans, other debt can not be more than 531 U.S. dollars. If other debt too high, we must reduce the amount of repayment of housing loans, then probably have to consider the purchase price of the house was slightly lower. Because the three listed above is not Old Joe I set out the law, but U.S. banks in assessing the economic conditions of housing loans to people the most basic standards for all, if too much beyond these standards, the banks will not approve the applicant’s home loans requirements.

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美國有多少房子老百姓可以買的起? 時間:2010-06-06发件人:chensihong1961;时 间:2010年6月7日 09:17 (星期一) 收件人:clinton.library;news;enews;enews;info;president;vice_president;vicepresident;comments;chensihong1961;chensihong1961;ChenZe_19980421;GEORGE13901623260;georgechen13901623260;

美國有多少房子老百姓可以買的起? 時間:2010-06-06发件人:chensihong1961;时 间:2010年6月7日 09:17 (星期一) 收件人:clinton.library;news;enews;enews;info;president;vice_president;vicepresident;comments;chensihong1961;chensihong1961;ChenZe_19980421;GEORGE13901623260;georgechen13901623260;
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美國有多少房子老百姓可以買的起? 時間:2010-06-06

2010年第一季度,美國人的住房擁有率為67.1%,比2005年的69.1%下降了2個百分點。目前美國住宅抵押貸款利率正處於30年來最低水平,30年住房固定貸款利率僅為4.87%。住宅價格更是大幅度下跌,在全美範圍之內,住宅價格已經從其2007年的峰值下跌了25%以上,有的地區房價的跌幅甚至可以達到50%。 20010年,美國獨立住宅中位價格為175000美元,應當說相當的便宜。平心而論,現在正是美國老百姓近幾十年來僅見的最佳買房時機。
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理論上講,2010年美國進入了民眾買房的“黃金時段”,擁有住宅的壓力正處於1980年代以來最低的水平。住宅價格中值現在只相當於家庭收入中值的2.78倍,而在2005年,前者還相當於後者的4倍。經濟學家的統計數字顯示,現在美國70%的房子屬於民眾買得起的房子,何謂買得起的房子,這裡有一個西方國家的衡量標準,就是一個地區的房屋中位價格不超過居民中位年收入的三倍。例如一個地區居民的中位年收入為5萬美元,當地中位房屋價格如果是在15萬美元左右,這樣的房屋價格就叫老百姓能買得起。如果一個地區的房價超過居民收入的三倍,民眾的購屋能力就會受到影響,房價與居民收入比率越高,居民就越缺少能力購買住房。根據一份調查報告,美國是西方國家中老百姓最能買得起房子的國家,其房屋價格與居民收入比遠遠低於加拿大、澳大利亞、英國、法國、德國等國家。

美國建築商協會和富國銀行的統計表明,2009年,一個家庭的年收入只要在64000美元以上,全美國70.8%的房子他都可以買得起,因為美國70.8%房子的中位價格都不超過20萬美元。而在2008年,這一比例為55%。
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按照民眾收入和房屋市場價格,美國5個民眾最能買得起房的房屋市場排在首位的是印第安那州府印第安那波利斯市,該市是美國第33大大都會地區,擁有居民170萬人。 2010年第一季度,印第安那波利斯市獨立住宅的中位價格是96000美元,不到10萬美元,而當地居民家庭的中位年收入是68700美元,當地銷售的房子有94.9%屬於房價不超過居民收入的三倍。

排在第二位的俄亥俄州的洋斯頓市,當地的中位房價是69000美元,居民家庭的中位年收入是53500美元,居民可以買得起住宅的指數為94.9%。紐約州的西拉庫扎市名列第三位,當地住宅的中位房價為95000美元,居民家庭的中位年收入是64300美元,居民可以買得起住宅的指數為94.5%。俄亥俄州的代頓市,當地的中位房價是88000美元,居民家庭的中位年收入是561700美元,居民可以買得起住宅的指數為94.4%。密歇根州的大激流市,當地的中位房價是102000美元,居民家庭的中位年收入是62500美元,居民可以買得起住宅的指數為93.7%。

有買得起的地方也就會有買不起的地方,美國也有幾個地方是中等收入家庭買不起房子的地方,排在首位的地方是紐約市,如果按照房屋價格是居民家庭的中位年收入三倍的比例來算,紐約市只有五分之一的房子是年收入居於中位水平家庭可以買得起的,而餘下80%的房子,老百姓只能是望房興嘆了,這些住宅就成為高收入者可以享受的奢侈品了。紐約市的中位房價是426000美元,居民家庭的中位年收入是65600美元,居民可以買得起住宅的指數為20.9%。加州的舊金山也好不到哪去,年收入居於中位水平家庭可以買得起的房子只有22%,舊金山市的中位房價是585000美元,居民家庭的中位年收入是98400美元,居民收入不低但房價更高,居民可以買得起住宅的指數為23.4%。
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在夏威夷州檀香山市,年收入居於中位水平家庭可以買得起的房子只有34%,檀香山市的中位房價是403000美元,居民家庭的中位年收入是81700美元,居民可以買得起住宅的指數為34.7%。在加州的聖塔安那市,年收入居於中位水平家庭可以買得起的房子只有34%,聖塔安那市的中位房價是410000美元,居民家庭的中位年收入是87300美元,居民可以買得起住宅的指數為34.5%。在洛杉磯市,年收入居於中位水平家庭可以買得起的房子只有35%,洛杉磯市的中位房價是306000美元,居民家庭的中位年收入是62900美元,居民可以買得起住宅的指數為35.9%。

美國有線新聞網的一篇分析文章對美國人購買住房能力充滿了樂觀態度,並稱只要是擁有一份很好工作和具有良好信用記錄的美國人,他們現在都有能力可以買的起住房。 2009年美國家庭的中位年收入是63800美元,而美國家庭年收入超過這一標準的數量佔全美國家庭數量的72%。換言之,美國有72%的家庭有足夠的經濟能力來購買住房。
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美國人買房子也算是一種投資,所以不會為了擁有住宅而讓自己成為房奴,家庭在購買住宅上比較注重考量自己的經濟能力以及債務負擔對正常生活的影響,所以在購屋上美國人一般會遵守幾個原則。

第一,在決定自己是否有能力購買住宅上有一條28%黃金定律,也就是家庭每個月償還房屋貸款的金額不超過每月毛收入的28%,例如一個年收入8萬美元的家庭,他們在每個月用於償還住宅貸款上支出不應超過1866美元。

第二,一個家庭每個月用於住宅上的總支出不應超過每月毛收入的32%,這就是32%定律。住宅上的總支出包括房屋貸款、房屋保險、社區費和房地產稅等。例如一個年收入8萬美元的家庭,他們在每個月用於住宅上的總支出不應超過2133美元。

第三,一個家庭每個月要償還的債務不應超過每月毛收入的40%,這就是40%定律。家庭債務處了房屋貸款外,還包括家庭的信用卡貸款、汽車貸款、學生教育費用貸款等。例如一個年收入8萬美元的家庭,他們在每個月要償還的債務不應超過2664美元。如果一個家庭每月要支付2133美元的房屋貸款,其他的債務就不能超過531美元。如果其他債務過高,就要降低償還房屋貸款的金額,這時恐怕就得考慮購買價格稍低一些的住宅了。因為以上所列的三條定律不是老喬我訂出來的,而是美國銀行在審核房屋貸款人經濟條件時最基本的審核標準,如果超出這些標準太多,銀行是不會批准申請人的房屋貸款要求的。

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美国有多少房子老百姓可以买的起? 时间:2010-06-06

2010年第一季度,美国人的住房拥有率为67.1%,比2005年的69.1%下降了2个百分点。目前美国住宅抵押贷款利率正处于30年来最低水平,30年住房固定贷款利率仅为4.87%。住宅价格更是大幅度下跌,在全美范围之内,住宅价格已经从其2007年的峰值下跌了25%以上,有的地区房价的跌幅甚至可以达到50%。20010年,美国独立住宅中位价格为175000美元,应当说相当的便宜。平心而论,现在正是美国老百姓近几十年来仅见的最佳买房时机。
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  理论上讲,2010年美国进入了民众买房的“黄金时段”,拥有住宅的压力正处于1980年代以来最低的水平。住宅价格中值现在只相当于家庭收入中值的2.78倍,而在2005年,前者还相当于后者的4倍。经济学家的统计数字显示,现在美国70%的房子属于民众买得起的房子,何谓买得起的房子,这里有一个西方国家的衡量标准,就是一个地区的房屋中位价格不超过居民中位年收入的三倍。例如一个地区居民的中位年收入为5万美元,当地中位房屋价格如果是在15万美元左右,这样的房屋价格就叫老百姓能买得起。如果一个地区的房价超过居民收入的三倍,民众的购屋能力就会受到影响,房价与居民收入比率越高,居民就越缺少能力购买住房。根据一份调查报告,美国是西方国家中老百姓最能买得起房子的国家,其房屋价格与居民收入比远远低于加拿大、澳大利亚、英国、法国、德国等国家。

  美国建筑商协会和富国银行的统计表明,2009年,一个家庭的年收入只要在64000美元以上,全美国70.8%的房子他都可以买得起,因为美国70.8%房子的中位价格都不超过20万美元。而在2008年,这一比例为55%。
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  按照民众收入和房屋市场价格,美国5个民众最能买得起房的房屋市场排在首位的是印第安那州府印第安那波利斯市,该市是美国第33大大都会地区,拥有居民170万人。2010年第一季度,印第安那波利斯市独立住宅的中位价格是96000美元,不到10万美元,而当地居民家庭的中位年收入是68700美元,当地销售的房子有94.9%属于房价不超过居民收入的三倍。

  排在第二位的俄亥俄州的洋斯顿市,当地的中位房价是69000美元,居民家庭的中位年收入是53500美元,居民可以买得起住宅的指数为94.9%。纽约州的西拉库扎市名列第三位,当地住宅的中位房价为95000美元,居民家庭的中位年收入是64300美元,居民可以买得起住宅的指数为94.5%。俄亥俄州的代顿市,当地的中位房价是88000美元,居民家庭的中位年收入是561700美元,居民可以买得起住宅的指数为94.4%。密歇根州的大激流市,当地的中位房价是102000美元,居民家庭的中位年收入是62500美元,居民可以买得起住宅的指数为93.7%。

  有买得起的地方也就会有买不起的地方,美国也有几个地方是中等收入家庭买不起房子的地方,排在首位的地方是纽约市,如果按照房屋价格是居民家庭的中位年收入三倍的比例来算,纽约市只有五分之一的房子是年收入居于中位水平家庭可以买得起的,而余下80%的房子,老百姓只能是望房兴叹了,这些住宅就成为高收入者可以享受的奢侈品了。纽约市的中位房价是426000美元,居民家庭的中位年收入是65600美元,居民可以买得起住宅的指数为20.9%。加州的旧金山也好不到哪去,年收入居于中位水平家庭可以买得起的房子只有22%,旧金山市的中位房价是585000美元,居民家庭的中位年收入是98400美元,居民收入不低但房价更高,居民可以买得起住宅的指数为23.4%。
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  在夏威夷州檀香山市,年收入居于中位水平家庭可以买得起的房子只有34%,檀香山市的中位房价是403000美元,居民家庭的中位年收入是81700美元,居民可以买得起住宅的指数为34.7%。在加州的圣塔安那市,年收入居于中位水平家庭可以买得起的房子只有34%,圣塔安那市的中位房价是410000美元,居民家庭的中位年收入是87300美元,居民可以买得起住宅的指数为34.5%。在洛杉矶市,年收入居于中位水平家庭可以买得起的房子只有35%,洛杉矶市的中位房价是306000美元,居民家庭的中位年收入是62900美元,居民可以买得起住宅的指数为35.9%。

  美国有线新闻网的一篇分析文章对美国人购买住房能力充满了乐观态度,并称只要是拥有一份很好工作和具有良好信用记录的美国人,他们现在都有能力可以买的起住房。2009年美国家庭的中位年收入是63800美元,而美国家庭年收入超过这一标准的数量占全美国家庭数量的72%。换言之,美国有72%的家庭有足够的经济能力来购买住房。
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  美国人买房子也算是一种投资,所以不会为了拥有住宅而让自己成为房奴,家庭在购买住宅上比较注重考量自己的经济能力以及债务负担对正常生活的影响,所以在购屋上美国人一般会遵守几个原则。

  第一,在决定自己是否有能力购买住宅上有一条28%黄金定律,也就是家庭每个月偿还房屋贷款的金额不超过每月毛收入的28%,例如一个年收入8万美元的家庭,他们在每个月用于偿还住宅贷款上支出不应超过1866美元。

  第二,一个家庭每个月用于住宅上的总支出不应超过每月毛收入的32%,这就是32%定律。住宅上的总支出包括房屋贷款、房屋保险、社区费和房地产税等。例如一个年收入8万美元的家庭,他们在每个月用于住宅上的总支出不应超过2133美元。

  第三,一个家庭每个月要偿还的债务不应超过每月毛收入的40%,这就是40%定律。家庭债务处了房屋贷款外,还包括家庭的信用卡贷款、汽车贷款、学生教育费用贷款等。例如一个年收入8万美元的家庭,他们在每个月要偿还的债务不应超过2664美元。如果一个家庭每月要支付2133美元的房屋贷款,其他的债务就不能超过531美元。如果其他债务过高,就要降低偿还房屋贷款的金额,这时恐怕就得考虑购买价格稍低一些的住宅了。因为以上所列的三条定律不是老乔我订出来的,而是美国银行在审核房屋贷款人经济条件时最基本的审核标准,如果超出这些标准太多,银行是不会批准申请人的房屋贷款要求的。

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United States, the number of people can buy the house from? Time :2010-06-06

First quarter of 2010, the American homeownership rate was 67.1%, 69.1% in 2005 fell by 2 percentage points. The U.S. residential mortgage rates are at their lowest level in 30 years, 30 years fixed home loan interest rate is only 4.87%. Housing price is down significantly, within the U.S., housing prices have declined from their peak in 2007 was more than 25% decline in house prices in some areas even up to 50%. 20 010 years, the median American house price 175,000 U.S. dollars, it should be said that much cheaper. In all fairness, it is only in recent decades, the American people see the best time to buy a house.
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In theory, the United States entered in 2010 people buy a house in the “prime time”, with domestic pressure is at its lowest level since the 1980s. The median home price is now only equivalent to the median family income of 2.78 times in 2005, the former to the latter the equivalent of 4 times. Economist’s statistics show that 70% of U.S. homes now belong to the people afford to buy a house, what is affordable houses, there is a measure of the West is a region’s median price of not more than residents place three times annual income. For example, residents of an area the median annual income of 50,000 U.S. dollars, the local median home prices if 15 million dollars, so the housing price is called the common people can afford. If the price of an area more than three times the income, the public housing capacity will be affected, the higher the ratio of house prices and income, the more the lack of ability to purchase housing residents. According to one survey, the United States is the most people in Western countries, the countries can afford a house, its housing prices and income is far below than that of Canada, Australia, Britain, France, Germany and other countries.

American Builders Association and Wells Fargo Bank statistics show that in 2009, a family’s annual income as long as more than 64,000 U.S. dollars, 70.8% of all U.S. house he can afford, because 70.8% of U.S. median house price of no more than 200 thousand U.S. dollars. In 2008, this proportion was 55%.
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In accordance with the public income and housing market prices, the United States five people most able to afford housing in the housing market came in the first Indiana state capital is Indianapolis, the city is 33 U.S. metropolitan areas significantly, with 170 million inhabitants . First quarter of 2010, Indianapolis separate median house price is 96,000 U.S. dollars, less than 10 million, while the local population the median household annual income is 68,700 U.S. dollars, local sales with 94.9% house price fall not more than three times the income.

Ohio ranked second in the Western city of Houston, where the median price is 69,000 U.S. dollars, residents of the median household annual income was 53,500 U.S. dollars, the residents can afford housing index for 94.9%. New York City ranked third Xilakuzha, the local median home price was 95,000 U.S. dollars, residents of the median household annual income was 64,300 U.S. dollars, the residents can afford housing index was 94.5%. Dayton, Ohio, where the median price is 88,000 U.S. dollars, residents of the median household annual income is 561,700 U.S. dollars, the residents can afford housing index was 94.4%. Grand Rapids, Michigan, where the median price was 102,000 U.S. dollars, residents of the median household annual income was 62,500 U.S. dollars, the residents can afford housing index is 93.7%.

There will also afford can not afford a place where there are several places that the U.S. middle-income families can not afford a house in the place, came in first place in New York City, according to residents of family housing prices in place three times the proportion of annual income to count, only one-fifth of New York City, the house is the median annual income level of families living in affordable, while the remaining 80% of the house, people can only hope that the Housing Despair, and these become high-income housing can enjoy the luxuries. New York City, the median price was 426,000 U.S. dollars, residents of the median household annual income was 65,600 U.S. dollars, the residents can afford housing index was 20.9%. It does not figure in San Francisco, California to go live in the median annual income level of families can afford only 22% of the house, San Francisco, the median price was 585,000 U.S. dollars, residents of the median household annual income was 98,400 U.S. dollars, income However, higher prices are not low, residents can afford housing index of 23.4%.
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In the city of Honolulu, Hawaii, the median annual income level of families living in affordable house only 34%, the median price in Honolulu is a city of 403,000 U.S. dollars, residents of the median household annual income was 81,700 U.S. dollars, the residents can afford The index was 34.7% residential. In the city of Santa Ana, California, the median annual income level of families living in affordable house only 34%, Santa Ana City, the median price was 410,000 U.S. dollars, the median households annual income is 87,300 U.S. dollars residents can afford housing index of 34.5%. In Los Angeles, the median annual income level of families living in affordable house only 35%, Los Angeles, the median price was 306,000 U.S. dollars, residents of the median household annual income was 62,900 U.S. dollars, the residents can afford homes index was 35.9%.

CNN article on the Americans in an analysis of affordability, full of optimism, saying as long as they have a very good job and have good credit records of Americans, they now have the ability to buy starter homes. 2009 U.S. median household annual income is 63,800 U.S. dollars, while U.S. household income exceeds the standard number of species accounting for 72% of U.S. households. In other words, the United States, 72% of households have sufficient capacity to purchase housing.
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Americans are buying a house can be considered an investment, it will not be in order to have room for residential and let themselves become slaves, the family purchased their homes, pay more attention to the consideration of their economic capacity and debt burden on the impact of normal life, so on the American housing generally comply with several principles.

First, decide whether they can afford to buy homes, have a 28% golden rule, that is, the family each month to repay the amount of housing loans not exceeding a monthly gross income of 28%, such as an annual income of 80,000 U.S. dollars of the family, their monthly expenditures for repayment of housing loans should not be more than 1866 U.S. dollars.

Second, a family’s total monthly expenses for housing should not exceed 32% of monthly gross income, which is 32% of the law. The total expenditure on housing, including housing loans, housing, insurance, community fees and real estate tax. For example, annual income of 80,000 U.S. dollars a family, they are on a month for housing expenses should not total more than 2133 U.S. dollars.

Third, a family each month to repay the debt should not exceed 40% of monthly gross income, which is 40% of the Law. Family Division of the mortgage debt, but also including domestic credit card loans, auto loans, student loans and other educational expenses. For example, annual income of 80,000 U.S. dollars a family, they have to repay the debt each month should not be more than 2664 U.S. dollars. If a family paid 2,133 U.S. dollars per month for housing loans, other debt can not be more than 531 U.S. dollars. If other debt too high, we must reduce the amount of repayment of housing loans, then probably have to consider the purchase price of the house was slightly lower. Because the three listed above is not Old Joe I set out the law, but U.S. banks in assessing the economic conditions of housing loans to people the most basic standards for all, if too much beyond these standards, the banks will not approve the applicant’s home loans requirements.

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美國有多少房子老百姓可以買的起? 時間:2010-06-06

美國有多少房子老百姓可以買的起? 時間:2010-06-06

2010年第一季度,美國人的住房擁有率為67.1%,比2005年的69.1%下降了2個百分點。目前美國住宅抵押貸款利率正處於30年來最低水平,30年住房固定貸款利率僅為4.87%。住宅價格更是大幅度下跌,在全美範圍之內,住宅價格已經從其2007年的峰值下跌了25%以上,有的地區房價的跌幅甚至可以達到50%。 20010年,美國獨立住宅中位價格為175000美元,應當說相當的便宜。平心而論,現在正是美國老百姓近幾十年來僅見的最佳買房時機。
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理論上講,2010年美國進入了民眾買房的“黃金時段”,擁有住宅的壓力正處於1980年代以來最低的水平。住宅價格中值現在只相當於家庭收入中值的2.78倍,而在2005年,前者還相當於後者的4倍。經濟學家的統計數字顯示,現在美國70%的房子屬於民眾買得起的房子,何謂買得起的房子,這裡有一個西方國家的衡量標準,就是一個地區的房屋中位價格不超過居民中位年收入的三倍。例如一個地區居民的中位年收入為5萬美元,當地中位房屋價格如果是在15萬美元左右,這樣的房屋價格就叫老百姓能買得起。如果一個地區的房價超過居民收入的三倍,民眾的購屋能力就會受到影響,房價與居民收入比率越高,居民就越缺少能力購買住房。根據一份調查報告,美國是西方國家中老百姓最能買得起房子的國家,其房屋價格與居民收入比遠遠低於加拿大、澳大利亞、英國、法國、德國等國家。

美國建築商協會和富國銀行的統計表明,2009年,一個家庭的年收入只要在64000美元以上,全美國70.8%的房子他都可以買得起,因為美國70.8%房子的中位價格都不超過20萬美元。而在2008年,這一比例為55%。
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按照民眾收入和房屋市場價格,美國5個民眾最能買得起房的房屋市場排在首位的是印第安那州府印第安那波利斯市,該市是美國第33大大都會地區,擁有居民170萬人。 2010年第一季度,印第安那波利斯市獨立住宅的中位價格是96000美元,不到10萬美元,而當地居民家庭的中位年收入是68700美元,當地銷售的房子有94.9%屬於房價不超過居民收入的三倍。

排在第二位的俄亥俄州的洋斯頓市,當地的中位房價是69000美元,居民家庭的中位年收入是53500美元,居民可以買得起住宅的指數為94.9%。紐約州的西拉庫扎市名列第三位,當地住宅的中位房價為95000美元,居民家庭的中位年收入是64300美元,居民可以買得起住宅的指數為94.5%。俄亥俄州的代頓市,當地的中位房價是88000美元,居民家庭的中位年收入是561700美元,居民可以買得起住宅的指數為94.4%。密歇根州的大激流市,當地的中位房價是102000美元,居民家庭的中位年收入是62500美元,居民可以買得起住宅的指數為93.7%。

有買得起的地方也就會有買不起的地方,美國也有幾個地方是中等收入家庭買不起房子的地方,排在首位的地方是紐約市,如果按照房屋價格是居民家庭的中位年收入三倍的比例來算,紐約市只有五分之一的房子是年收入居於中位水平家庭可以買得起的,而餘下80%的房子,老百姓只能是望房興嘆了,這些住宅就成為高收入者可以享受的奢侈品了。紐約市的中位房價是426000美元,居民家庭的中位年收入是65600美元,居民可以買得起住宅的指數為20.9%。加州的舊金山也好不到哪去,年收入居於中位水平家庭可以買得起的房子只有22%,舊金山市的中位房價是585000美元,居民家庭的中位年收入是98400美元,居民收入不低但房價更高,居民可以買得起住宅的指數為23.4%。
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在夏威夷州檀香山市,年收入居於中位水平家庭可以買得起的房子只有34%,檀香山市的中位房價是403000美元,居民家庭的中位年收入是81700美元,居民可以買得起住宅的指數為34.7%。在加州的聖塔安那市,年收入居於中位水平家庭可以買得起的房子只有34%,聖塔安那市的中位房價是410000美元,居民家庭的中位年收入是87300美元,居民可以買得起住宅的指數為34.5%。在洛杉磯市,年收入居於中位水平家庭可以買得起的房子只有35%,洛杉磯市的中位房價是306000美元,居民家庭的中位年收入是62900美元,居民可以買得起住宅的指數為35.9%。

美國有線新聞網的一篇分析文章對美國人購買住房能力充滿了樂觀態度,並稱只要是擁有一份很好工作和具有良好信用記錄的美國人,他們現在都有能力可以買的起住房。 2009年美國家庭的中位年收入是63800美元,而美國家庭年收入超過這一標準的數量佔全美國家庭數量的72%。換言之,美國有72%的家庭有足夠的經濟能力來購買住房。
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美國人買房子也算是一種投資,所以不會為了擁有住宅而讓自己成為房奴,家庭在購買住宅上比較注重考量自己的經濟能力以及債務負擔對正常生活的影響,所以在購屋上美國人一般會遵守幾個原則。

第一,在決定自己是否有能力購買住宅上有一條28%黃金定律,也就是家庭每個月償還房屋貸款的金額不超過每月毛收入的28%,例如一個年收入8萬美元的家庭,他們在每個月用於償還住宅貸款上支出不應超過1866美元。

第二,一個家庭每個月用於住宅上的總支出不應超過每月毛收入的32%,這就是32%定律。住宅上的總支出包括房屋貸款、房屋保險、社區費和房地產稅等。例如一個年收入8萬美元的家庭,他們在每個月用於住宅上的總支出不應超過2133美元。

第三,一個家庭每個月要償還的債務不應超過每月毛收入的40%,這就是40%定律。家庭債務處了房屋貸款外,還包括家庭的信用卡貸款、汽車貸款、學生教育費用貸款等。例如一個年收入8萬美元的家庭,他們在每個月要償還的債務不應超過2664美元。如果一個家庭每月要支付2133美元的房屋貸款,其他的債務就不能超過531美元。如果其他債務過高,就要降低償還房屋貸款的金額,這時恐怕就得考慮購買價格稍低一些的住宅了。因為以上所列的三條定律不是老喬我訂出來的,而是美國銀行在審核房屋貸款人經濟條件時最基本的審核標準,如果超出這些標準太多,銀行是不會批准申請人的房屋貸款要求的。

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美国有多少房子老百姓可以买的起? 时间:2010-06-06

2010年第一季度,美国人的住房拥有率为67.1%,比2005年的69.1%下降了2个百分点。目前美国住宅抵押贷款利率正处于30年来最低水平,30年住房固定贷款利率仅为4.87%。住宅价格更是大幅度下跌,在全美范围之内,住宅价格已经从其2007年的峰值下跌了25%以上,有的地区房价的跌幅甚至可以达到50%。20010年,美国独立住宅中位价格为175000美元,应当说相当的便宜。平心而论,现在正是美国老百姓近几十年来仅见的最佳买房时机。
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  理论上讲,2010年美国进入了民众买房的“黄金时段”,拥有住宅的压力正处于1980年代以来最低的水平。住宅价格中值现在只相当于家庭收入中值的2.78倍,而在2005年,前者还相当于后者的4倍。经济学家的统计数字显示,现在美国70%的房子属于民众买得起的房子,何谓买得起的房子,这里有一个西方国家的衡量标准,就是一个地区的房屋中位价格不超过居民中位年收入的三倍。例如一个地区居民的中位年收入为5万美元,当地中位房屋价格如果是在15万美元左右,这样的房屋价格就叫老百姓能买得起。如果一个地区的房价超过居民收入的三倍,民众的购屋能力就会受到影响,房价与居民收入比率越高,居民就越缺少能力购买住房。根据一份调查报告,美国是西方国家中老百姓最能买得起房子的国家,其房屋价格与居民收入比远远低于加拿大、澳大利亚、英国、法国、德国等国家。

  美国建筑商协会和富国银行的统计表明,2009年,一个家庭的年收入只要在64000美元以上,全美国70.8%的房子他都可以买得起,因为美国70.8%房子的中位价格都不超过20万美元。而在2008年,这一比例为55%。
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  按照民众收入和房屋市场价格,美国5个民众最能买得起房的房屋市场排在首位的是印第安那州府印第安那波利斯市,该市是美国第33大大都会地区,拥有居民170万人。2010年第一季度,印第安那波利斯市独立住宅的中位价格是96000美元,不到10万美元,而当地居民家庭的中位年收入是68700美元,当地销售的房子有94.9%属于房价不超过居民收入的三倍。

  排在第二位的俄亥俄州的洋斯顿市,当地的中位房价是69000美元,居民家庭的中位年收入是53500美元,居民可以买得起住宅的指数为94.9%。纽约州的西拉库扎市名列第三位,当地住宅的中位房价为95000美元,居民家庭的中位年收入是64300美元,居民可以买得起住宅的指数为94.5%。俄亥俄州的代顿市,当地的中位房价是88000美元,居民家庭的中位年收入是561700美元,居民可以买得起住宅的指数为94.4%。密歇根州的大激流市,当地的中位房价是102000美元,居民家庭的中位年收入是62500美元,居民可以买得起住宅的指数为93.7%。

  有买得起的地方也就会有买不起的地方,美国也有几个地方是中等收入家庭买不起房子的地方,排在首位的地方是纽约市,如果按照房屋价格是居民家庭的中位年收入三倍的比例来算,纽约市只有五分之一的房子是年收入居于中位水平家庭可以买得起的,而余下80%的房子,老百姓只能是望房兴叹了,这些住宅就成为高收入者可以享受的奢侈品了。纽约市的中位房价是426000美元,居民家庭的中位年收入是65600美元,居民可以买得起住宅的指数为20.9%。加州的旧金山也好不到哪去,年收入居于中位水平家庭可以买得起的房子只有22%,旧金山市的中位房价是585000美元,居民家庭的中位年收入是98400美元,居民收入不低但房价更高,居民可以买得起住宅的指数为23.4%。
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  在夏威夷州檀香山市,年收入居于中位水平家庭可以买得起的房子只有34%,檀香山市的中位房价是403000美元,居民家庭的中位年收入是81700美元,居民可以买得起住宅的指数为34.7%。在加州的圣塔安那市,年收入居于中位水平家庭可以买得起的房子只有34%,圣塔安那市的中位房价是410000美元,居民家庭的中位年收入是87300美元,居民可以买得起住宅的指数为34.5%。在洛杉矶市,年收入居于中位水平家庭可以买得起的房子只有35%,洛杉矶市的中位房价是306000美元,居民家庭的中位年收入是62900美元,居民可以买得起住宅的指数为35.9%。

  美国有线新闻网的一篇分析文章对美国人购买住房能力充满了乐观态度,并称只要是拥有一份很好工作和具有良好信用记录的美国人,他们现在都有能力可以买的起住房。2009年美国家庭的中位年收入是63800美元,而美国家庭年收入超过这一标准的数量占全美国家庭数量的72%。换言之,美国有72%的家庭有足够的经济能力来购买住房。
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  美国人买房子也算是一种投资,所以不会为了拥有住宅而让自己成为房奴,家庭在购买住宅上比较注重考量自己的经济能力以及债务负担对正常生活的影响,所以在购屋上美国人一般会遵守几个原则。

  第一,在决定自己是否有能力购买住宅上有一条28%黄金定律,也就是家庭每个月偿还房屋贷款的金额不超过每月毛收入的28%,例如一个年收入8万美元的家庭,他们在每个月用于偿还住宅贷款上支出不应超过1866美元。

  第二,一个家庭每个月用于住宅上的总支出不应超过每月毛收入的32%,这就是32%定律。住宅上的总支出包括房屋贷款、房屋保险、社区费和房地产税等。例如一个年收入8万美元的家庭,他们在每个月用于住宅上的总支出不应超过2133美元。

  第三,一个家庭每个月要偿还的债务不应超过每月毛收入的40%,这就是40%定律。家庭债务处了房屋贷款外,还包括家庭的信用卡贷款、汽车贷款、学生教育费用贷款等。例如一个年收入8万美元的家庭,他们在每个月要偿还的债务不应超过2664美元。如果一个家庭每月要支付2133美元的房屋贷款,其他的债务就不能超过531美元。如果其他债务过高,就要降低偿还房屋贷款的金额,这时恐怕就得考虑购买价格稍低一些的住宅了。因为以上所列的三条定律不是老乔我订出来的,而是美国银行在审核房屋贷款人经济条件时最基本的审核标准,如果超出这些标准太多,银行是不会批准申请人的房屋贷款要求的。

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United States, the number of people can buy the house from? Time :2010-06-06

First quarter of 2010, the American homeownership rate was 67.1%, 69.1% in 2005 fell by 2 percentage points. The U.S. residential mortgage rates are at their lowest level in 30 years, 30 years fixed home loan interest rate is only 4.87%. Housing price is down significantly, within the U.S., housing prices have declined from their peak in 2007 was more than 25% decline in house prices in some areas even up to 50%. 20 010 years, the median American house price 175,000 U.S. dollars, it should be said that much cheaper. In all fairness, it is only in recent decades, the American people see the best time to buy a house.
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In theory, the United States entered in 2010 people buy a house in the “prime time”, with domestic pressure is at its lowest level since the 1980s. The median home price is now only equivalent to the median family income of 2.78 times in 2005, the former to the latter the equivalent of 4 times. Economist’s statistics show that 70% of U.S. homes now belong to the people afford to buy a house, what is affordable houses, there is a measure of the West is a region’s median price of not more than residents place three times annual income. For example, residents of an area the median annual income of 50,000 U.S. dollars, the local median home prices if 15 million dollars, so the housing price is called the common people can afford. If the price of an area more than three times the income, the public housing capacity will be affected, the higher the ratio of house prices and income, the more the lack of ability to purchase housing residents. According to one survey, the United States is the most people in Western countries, the countries can afford a house, its housing prices and income is far below than that of Canada, Australia, Britain, France, Germany and other countries.

American Builders Association and Wells Fargo Bank statistics show that in 2009, a family’s annual income as long as more than 64,000 U.S. dollars, 70.8% of all U.S. house he can afford, because 70.8% of U.S. median house price of no more than 200 thousand U.S. dollars. In 2008, this proportion was 55%.
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In accordance with the public income and housing market prices, the United States five people most able to afford housing in the housing market came in the first Indiana state capital is Indianapolis, the city is 33 U.S. metropolitan areas significantly, with 170 million inhabitants . First quarter of 2010, Indianapolis separate median house price is 96,000 U.S. dollars, less than 10 million, while the local population the median household annual income is 68,700 U.S. dollars, local sales with 94.9% house price fall not more than three times the income.

Ohio ranked second in the Western city of Houston, where the median price is 69,000 U.S. dollars, residents of the median household annual income was 53,500 U.S. dollars, the residents can afford housing index for 94.9%. New York City ranked third Xilakuzha, the local median home price was 95,000 U.S. dollars, residents of the median household annual income was 64,300 U.S. dollars, the residents can afford housing index was 94.5%. Dayton, Ohio, where the median price is 88,000 U.S. dollars, residents of the median household annual income is 561,700 U.S. dollars, the residents can afford housing index was 94.4%. Grand Rapids, Michigan, where the median price was 102,000 U.S. dollars, residents of the median household annual income was 62,500 U.S. dollars, the residents can afford housing index is 93.7%.

There will also afford can not afford a place where there are several places that the U.S. middle-income families can not afford a house in the place, came in first place in New York City, according to residents of family housing prices in place three times the proportion of annual income to count, only one-fifth of New York City, the house is the median annual income level of families living in affordable, while the remaining 80% of the house, people can only hope that the Housing Despair, and these become high-income housing can enjoy the luxuries. New York City, the median price was 426,000 U.S. dollars, residents of the median household annual income was 65,600 U.S. dollars, the residents can afford housing index was 20.9%. It does not figure in San Francisco, California to go live in the median annual income level of families can afford only 22% of the house, San Francisco, the median price was 585,000 U.S. dollars, residents of the median household annual income was 98,400 U.S. dollars, income However, higher prices are not low, residents can afford housing index of 23.4%.
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In the city of Honolulu, Hawaii, the median annual income level of families living in affordable house only 34%, the median price in Honolulu is a city of 403,000 U.S. dollars, residents of the median household annual income was 81,700 U.S. dollars, the residents can afford The index was 34.7% residential. In the city of Santa Ana, California, the median annual income level of families living in affordable house only 34%, Santa Ana City, the median price was 410,000 U.S. dollars, the median households annual income is 87,300 U.S. dollars residents can afford housing index of 34.5%. In Los Angeles, the median annual income level of families living in affordable house only 35%, Los Angeles, the median price was 306,000 U.S. dollars, residents of the median household annual income was 62,900 U.S. dollars, the residents can afford homes index was 35.9%.

CNN article on the Americans in an analysis of affordability, full of optimism, saying as long as they have a very good job and have good credit records of Americans, they now have the ability to buy starter homes. 2009 U.S. median household annual income is 63,800 U.S. dollars, while U.S. household income exceeds the standard number of species accounting for 72% of U.S. households. In other words, the United States, 72% of households have sufficient capacity to purchase housing.
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Americans are buying a house can be considered an investment, it will not be in order to have room for residential and let themselves become slaves, the family purchased their homes, pay more attention to the consideration of their economic capacity and debt burden on the impact of normal life, so on the American housing generally comply with several principles.

First, decide whether they can afford to buy homes, have a 28% golden rule, that is, the family each month to repay the amount of housing loans not exceeding a monthly gross income of 28%, such as an annual income of 80,000 U.S. dollars of the family, their monthly expenditures for repayment of housing loans should not be more than 1866 U.S. dollars.

Second, a family’s total monthly expenses for housing should not exceed 32% of monthly gross income, which is 32% of the law. The total expenditure on housing, including housing loans, housing, insurance, community fees and real estate tax. For example, annual income of 80,000 U.S. dollars a family, they are on a month for housing expenses should not total more than 2133 U.S. dollars.

Third, a family each month to repay the debt should not exceed 40% of monthly gross income, which is 40% of the Law. Family Division of the mortgage debt, but also including domestic credit card loans, auto loans, student loans and other educational expenses. For example, annual income of 80,000 U.S. dollars a family, they have to repay the debt each month should not be more than 2664 U.S. dollars. If a family paid 2,133 U.S. dollars per month for housing loans, other debt can not be more than 531 U.S. dollars. If other debt too high, we must reduce the amount of repayment of housing loans, then probably have to consider the purchase price of the house was slightly lower. Because the three listed above is not Old Joe I set out the law, but U.S. banks in assessing the economic conditions of housing loans to people the most basic standards for all, if too much beyond these standards, the banks will not approve the applicant’s home loans requirements.

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