The sustainability of low-income homeownership: the incidence of unexpected costs and needed repairs among low-income home buyers
The sustainability of low-income homeownership: the incidence of unexpected costs and needed repairs among low-income home buyers
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低收入住房所有权的可持续性：低收入购房者中意外成本和所需维修的发生率
DOI：
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发表时间：
2011
期刊：
影响因子：
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通讯作者：
W. Rohe
中科院分区：
文献类型：
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作者：
Shannon Van Zandt;W. Rohe
在最近的房地产市场危机之前，美国以前所未有的速度产生了首次低收入房主。在一项参与多站点房屋所有权教育计划的低收入租房者的纵向研究中，我们检查了低收入购房者在购房后支付住房相关费用的能力，包括维护或维修费用。在拥有不到两年的时间后，我们发现相当一部分购房者的低收入住房所有权的可持续性处于危险之中。在接受调查的350多名新房主中，约有一半面临着意想不到的成本，约三分之一的房主面临着无力承担的房屋维修费用。超过一半的人背负着更多的非住房债务，大约四分之一的人拖欠了30天或更长时间的债务。研究结果引起了人们对低收入住房所有权长期可持续性的关注，并强调了要求有效的购房前服务和有效和持续的购房后咨询的重要性。
Until the recent housing market crisis, the United States was producing first-time, low-income homeowners at an unprecedented rate. In a longitudinal study of low-income renters participating in a multi-site homeownership education program, we examine the ability of low-income homebuyers to pay housing related costs after home purchase, including maintenance or repairs costs. After less than two years of ownership, we find the sustainability of low-income homeownership in jeopardy for sizeable portion of home buyers. About half of the more than 350 new home owners surveyed face unexpected costs, and about a third confront home repairs they cannot afford. More than half carry greater non-housing debt, and about a quarter were 30 days late or more in debt repayment. The findings raise concerns about the long term sustainability of low-income homeownership and emphasize the importance of requiring effective pre-purchase services and effective and ongoing post-purchase counseling.