不懂就问，为什么现在利率没有80年代高，还是买不起房啊？
butterfly12 发表于 2023-08-03 08:33
In a video that's been viewed 4.4 million times, Freddie (@fmsmith319) responds to a commenter who wrote, "I can't get a mortgage. But my rent is 3k." Freddie replies, "Any time a millennial is trying to explain this to a boomer, they use the same example. They go, 'Well, my interest rates were 15%, you have 6½, you're so lucky.' Well, let's look at it this way." "If you bought a house for $80,000 back in the '80s, a 20% down payment would be $16,000, and the average person was making around $30,000* back then. So your down payment was just half your yearly salary. And then the loan you would have on it would be about $60,000. So in order to pay off the $60,000, if you really wanted to, it's just two years of your salary, and you could have your house paid off." "Well, let's fast-forward to 2023, and I live in Orlando, so I'll use this as an example. A $400,000 house with 20% down would cost $80,000 just as the down payment. The average person makes $50,000*, so it's almost twice their yearly salary just for the down payment. Then they've got a $320,000 loan left that they have to look at. That's nearly seven times their salary to pay off the loan regardless."
*According to US Census data, the median family income in the United States was about $21,000 in 1980, and it reached $28,000 by 1989. It is estimated around $60,000 for 2023.
