热点思考 | 居者有其屋，昂贵的“美国梦”（申万宏观·赵伟团队）

Core Viewpoint - The article discusses the challenges and costs associated with achieving the "American Dream" of homeownership, highlighting the increasing unaffordability of housing in the U.S. market [2] Group 1: Housing Market Trends - The U.S. housing market has seen significant price increases, with median home prices rising by approximately 20% over the past two years [2] - Mortgage rates have surged, reaching levels not seen in over a decade, which further exacerbates the affordability crisis for potential homebuyers [2] Group 2: Economic Implications - The rising costs of homeownership are leading to a decline in homeownership rates, particularly among younger demographics, which could have long-term implications for the housing market and the economy [2] - The article suggests that the current housing market dynamics may lead to increased demand for rental properties as more individuals are priced out of homeownership [2] Group 3: Policy Considerations - There is a call for policy interventions to address the housing affordability crisis, including potential measures to increase housing supply and provide financial assistance to first-time homebuyers [2] - The article emphasizes the need for a comprehensive approach to tackle the underlying issues contributing to the housing market's unaffordability [2]