Daily News Brief
Summary
U.S. homeowner equity declined significantly in Q3 2024, marking a shift from the record highs of recent years. While some markets remain positive, negative equity is rising, particularly among recent buyers.
Key Points
- Equity Decline: Total borrower equity fell 2.1% year-over-year in Q3 2024, a collective loss of $373.8 billion.
- Average Loss: The average homeowner saw equity drop by approximately $13,400.
- Rising Negative Equity: Homes with negative equity (worth less than their mortgage) increased by 21% to 1.2 million.
- Market Divergence: Markets like Boston, Chicago, and New York saw gains, while Los Angeles, San Francisco, and Miami experienced the largest losses.
- Long-Term Context: Despite recent declines, home values are still about 52% higher than in January 2020.
- Expert Insight: Economists attribute the trend to slowing price growth, affordability challenges, and some buyers over-leveraging during the pandemic peak.
每日新闻简报
摘要
2024年第三季度，美国房主房屋净值显著下降，标志着近年来创纪录高位的趋势发生转变。尽管部分市场仍保持正增长，但资不抵债的房屋数量正在上升，尤其是在近期购房者中。
关键点
- 净值下降：2024年第三季度，借款人的总房屋净值同比下降2.1%，总计损失3738亿美元。
- 平均损失：平均每位房主的房屋净值下降了约13,400美元。
- 负资产上升：资不抵债的房屋（价值低于抵押贷款）数量增加了21%，达到120万套。
- 市场分化：波士顿、芝加哥和纽约等市场仍有增长，而洛杉矶、旧金山和迈阿密等地损失最大。
- 长期背景：尽管近期下降，但房屋价值仍比2020年1月高出约52%。
- 专家观点：经济学家将此趋势归因于房价增长放缓、可负担性挑战以及部分买家在疫情期间房价峰值时过度借贷。
Original Article Link: https://www.cnbc.com/2025/12/12/homeowners-losing-equity-weakening-prices.html