Fragile health and fragile wealth: Mortgage strain among African American homeowners
Fragile health and fragile wealth: Mortgage strain among African American homeowners
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DOI：
10.1016/j.socscimed.2014.07.063
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发表时间：
2014-10-01
影响因子：
5.4
通讯作者：
Baker, Amy Castro
中科院分区：
文献类型：
--
作者：
Keene, Danya E.;Lynch, Julia F.;Baker, Amy Castro
最近的几项研究确定，疾病和残疾是导致抵押贷款紧张的因素，这表明非裔美国人所经历的不成比例的健康状况不佳的负担可能是这一人群住房脆弱性的重要来源。为了了解健康状况不佳如何在非洲裔美国人房主的生活经历中发挥作用，并导致抵押贷款紧张，我们对28名面临失去家园风险的中产阶级和工薪阶层非洲裔美国人房主进行了深入访谈。我们的采访显示，健康方面的种族不平等，这是由于持续的种族歧视历史，与其他种族分层的住房脆弱性来源交叉，使房主面临丧失抵押品赎回权的风险。这项研究的许多参与者都是长期房主，他们由于健康相关事件引发了脆弱的家庭预算崩溃而经历了抵押贷款压力。像许多中产阶级和工人阶级的非裔美国人一样，参与者在相对年轻的时候经历了健康状况不佳和残疾。此外，他们往往无法获得个人和公共安全网，无法缓冲疾病的后果。了解健康状况不佳如何导致非裔美国人房主的抵押贷款压力，为健康不平等的下游后果提供了重要的见解。此外，了解疾病可以作为金融冲击的过程具有重要的政策意义。(C)2014爱思唯尔有限公司版权所有。
Several recent studies identify illness and disability as contributors to mortgage strain, suggesting that the disproportionate burden of poor health that African Americans experience may be an important source of housing fragility in this population. In order to understand how poor health plays out in the lived experiences of African-American homeowners and contributes to mortgage strain, we present an analysis of 28 in-depth interviews conducted with middle and working-class African-American homeowners at risk of losing their homes. Our interviews show how racial inequalities in health, which result from an ongoing history of racial discrimination, intersect with other racially stratified sources of housing fragility to put homeowners at risk of foreclosure. Many participants in this study were long-term homeowners who experienced mortgage strain as result of a health-related event that triggered the collapse of a fragile household budget. Like many middle and working-class African Americans, participants experienced poor health and disability at relatively young ages. Additionally, they often lacked access to personal and public safety nets that could buffer the consequences of illness. Understanding how poor health contributes to mortgage strain among African-American homeowners provides important insight into the downstream consequences of health inequalities. Furthermore, understanding the processes through which illness can act as a financial shock has important policy implications. (C) 2014 Elsevier Ltd. All rights reserved.