2025年初,现金销售占美国购房量的33%,以高需求地区的投资者和二手买家为首。 Cash sales made up 33% of U.S. home purchases in early 2025, led by investors and second-home buyers in high-demand areas.

2025年上半年,在投资者和二手买家的推动下,特别是在度假市场和高需求市场,现金报价约占美国购房量的33%。 Cash offers made up about 33% of U.S. home purchases in the first half of 2025, driven by investors and second-home buyers, particularly in vacation and high-demand markets. 由于现金交易在密西西比、新墨西哥州和夏威夷等费用较低或旅游人口较多的地区以及迈阿密和圣安东尼奥等城市最为常见,因此这一水平仍然高于人口大流行前的年份。 This level remains elevated compared to pre-pandemic years, with cash deals most common in lower-cost or tourist-heavy areas like Mississippi, New Mexico, and Hawaii, as well as cities such as Miami and San Antonio. 高价和低价住房最有可能用现金购买,这反映了一种U型市场模式。 High-priced and low-priced homes are most likely to be bought with cash, reflecting a U-shaped market pattern. 高于6.5%的按揭利率不断上升继续阻碍融资买主,特别是首次买主,而机构投资者和富有现金的个人则保持竞争优势。 Rising mortgage rates above 6.5% continue to hinder financed buyers, especially first-time buyers, while institutional investors and cash-rich individuals maintain a competitive edge.