[:en]Homeownership is the “American Dream” for a Reason[:es]Ser propietario de una casa es el “sueño americano” por una razón[:]

[:en]There have been some who have voiced doubt as to whether or not the younger generations still consider buying a home as being part of the “American Dream”. A recent study by Merrill Lynch puts that doubt to rest. According to their research, every living generation still maintains that owning a home is in fact important. Here are the numbers:

American Dream STM

This should not surprise us as many studies have revealed the benefits enjoyed by the families who own their own home. One such study was done by the Joint Center of Housing Studies at Harvard University that addressed a major financial benefit to owning your own home: forced savings. The report explains:

“Since many people have trouble saving and have to make a housing payment one way or the other, owning a home can overcome people’s tendency to defer savings to another day.”

The Merrill Lynch study proves this point with the following data on home equity (a form of savings):

Home Equity

Bottom Line

There are many reasons that owning a home makes sense. The financial reasons are powerful. As one participant in the Merrill Lynch study put it:

“When I was younger, I always worried about that monthly mortgage payment. Now that I am retired, I have the peace of mind of knowing I own my home free and clear.”

[:es]

Homeownership is the “American Dream” for a Reason | Keeping Current Matters

Ha habido algunos que has estado expresando dudas en cuanto a si las generaciones más jóvenes siguen considerando el comprar una casa como parte del sueño americano. Un estudio reciente por Merrill Lynch da por terminada esta discusión. De acuerdo con su investigación, cada generación viviente aún cree que ser propietario de vivienda en realidad es importante. Aquí están los números:

modify-image

Esto no nos debe sorprender ya que muchos estudios han revelado los beneficios de ser propietario de casa que disfrutan las familias que son dueñas de su propia casa. Uno de estos estudios fue hecho por the Joint Center of Housing Studies de la Universidad de Harvard que abordo una de las principales ventaja financieras de ser propietario de una casa: ahorros forzados. El informe explica:

“Ya que muchas personas tienen problemas ahorrando y tienen que hacer un pago por la vivienda de una forma u otra, ser propietario de casa puede superar la tendencia de la gente a postergar el ahorro para otro día”.

El estudio de Merrill Lynch demuestra este punto con los siguientes datos sobre el valor líquido en las casas (una forma de ahorro):

modify-image2

En conclusión

Hay muy razones por las que ser propietario de casa tiene sentido. Las razones financieras son poderosas, como uno de los participantes en el estudio de Merrill Lynch dice:

“cuando yo era joven, yo siempre me preocupaba sobre el pago hipotecario mensual. Ahora que yo estoy retirado, tengo la tranquilidad mental de saber que soy propietario de mi casa libre de pagos”.

[:]

[:en]Homeownership is the “American Dream” for a Reason[:es]Ser propietario de una casa es el “sueño americano” por una razón[:]



[:en]There have been some who have voiced doubt as to whether or not the younger generations still consider buying a home as being part of the “American Dream”. A recent study by Merrill Lynch puts that doubt to rest. According to their research, every living generation still maintains that owning a home is in fact important. Here ...

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[:en]Homeownership is the “American Dream” for a Reason[:es]Ser propietario de una casa es el “sueño americano” por una razón[:]



[:en]There have been some who have voiced doubt as to whether or not the younger generations still consider buying a home as being part of the “American Dream”. A recent study by Merrill Lynch puts that doubt to rest. According to their research, every living generation still maintains that owning a home is in fact important. Here are the numbers:

American Dream STM

This should not surprise us as many studies have revealed the benefits enjoyed by the families who own their own home. One such study was done by the Joint Center of Housing Studies at Harvard University that addressed a major financial benefit to owning your own home: forced savings. The report explains:

“Since many people have trouble saving and have to make a housing payment one way or the other, owning a home can overcome people’s tendency to defer savings to another day.”

The Merrill Lynch study proves this point with the following data on home equity (a form of savings):

Home Equity

Bottom Line

There are many reasons that owning a home makes sense. The financial reasons are powerful. As one participant in the Merrill Lynch study put it:

“When I was younger, I always worried about that monthly mortgage payment. Now that I am retired, I have the peace of mind of knowing I own my home free and clear.”

[:es]

Homeownership is the “American Dream” for a Reason | Keeping Current Matters

Ha habido algunos que has estado expresando dudas en cuanto a si las generaciones más jóvenes siguen considerando el comprar una casa como parte del sueño americano. Un estudio reciente por Merrill Lynch da por terminada esta discusión. De acuerdo con su investigación, cada generación viviente aún cree que ser propietario de vivienda en realidad es importante. Aquí están los números:

modify-image

Esto no nos debe sorprender ya que muchos estudios han revelado los beneficios de ser propietario de casa que disfrutan las familias que son dueñas de su propia casa. Uno de estos estudios fue hecho por the Joint Center of Housing Studies de la Universidad de Harvard que abordo una de las principales ventaja financieras de ser propietario de una casa: ahorros forzados. El informe explica:

“Ya que muchas personas tienen problemas ahorrando y tienen que hacer un pago por la vivienda de una forma u otra, ser propietario de casa puede superar la tendencia de la gente a postergar el ahorro para otro día”.

El estudio de Merrill Lynch demuestra este punto con los siguientes datos sobre el valor líquido en las casas (una forma de ahorro):

modify-image2

En conclusión

Hay muy razones por las que ser propietario de casa tiene sentido. Las razones financieras son poderosas, como uno de los participantes en el estudio de Merrill Lynch dice:

“cuando yo era joven, yo siempre me preocupaba sobre el pago hipotecario mensual. Ahora que yo estoy retirado, tengo la tranquilidad mental de saber que soy propietario de mi casa libre de pagos”.

[:]

[:en]Homeownership is the “American Dream” for a Reason[:es]Ser propietario de una casa es el “sueño americano” por una razón[:]



[:en]There have been some who have voiced doubt as to whether or not the younger generations still consider buying a home as being part of the “American Dream”. A recent study by Merrill Lynch puts that doubt to rest. According to their research, every living generation still maintains that owning a home is in fact important. Here ...

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