2024年,抵押贷款债务达到12.6万亿美元,中年美国人持有最高余额,房屋所有权推迟。 Mortgage debt hit $12.6 trillion in 2024, with middle-aged Americans holding the highest balances and homeownership delayed.

截至2024年底,美国按揭债务达到12.6万亿美元,40至49岁的成年人持有最高余额3.4万亿美元,比2023年增加3.4%。 As of late 2024, U.S. mortgage debt reached $12.6 trillion, with adults aged 40 to 49 holding the highest balances at $3.4 trillion, up 3.4% from 2023. 18至29岁的年轻成人欠5 604亿美元,低于5 反映持续较低的住房所有权率。 Younger adults, 18 to 29, owed $560.4 billion—down 5%—reflecting persistently low homeownership rates. 第一次买家的中位年龄上升到38岁,总体买家平均为56岁,表明购房延迟。 The median age for first-time buyers rose to 38, and overall buyers averaged 56, signaling delayed home purchases. 20多年来,70岁和70岁以上的人的按揭债务猛增503%,大大超过年青成年人,而中年群体则大幅增加,突显了家庭所有权模式的转变和财政负担的上升。 Over two decades, mortgage debt among those 70 and older surged 503%, far outpacing younger adults, while middle-aged groups saw significant increases, highlighting shifting homeownership patterns and rising financial burdens.