一些Gen Z买家在价格昂贵的城市购买房屋,尽管与工作不稳定和高利息成本有关的风险。 Some Gen Z buyers are purchasing homes in pricey cities despite risks tied to job instability and high interest costs.

尽管房价不断上涨,一些像24岁的Edwin Nino Delgado这样的Gen Zers在西雅图等高成本地区购买房屋,避免大学债务,积极储蓄,利用租金收入支付抵押贷款。 Despite rising home prices, some Gen Zers like 24-year-old Edwin Nino Delgado are buying homes in high-cost areas such as Seattle by avoiding college debt, saving aggressively, and using rental income to cover mortgages. 专家警告说,对于工作不稳定的年轻成年人来说,拥有住房可能并不明智,因为通常需要5到7年才能建立有意义的公平,而早期抵押贷款支付主要包括利息。 Experts warn that homeownership may not be wise for young adults with unstable jobs, as it typically takes five to seven years to build meaningful equity, and early mortgage payments mostly cover interest. 租出财产可能无法支付昂贵市场的费用,而低额支付方案可能增加金融风险。 Renting out property may not cover costs in expensive markets, and low-down-payment programs can increase financial risk. 财务准备状态和长期稳定比简单地支付首期付款更重要,退休投资或其他资产有时是更好的选择。 Financial readiness and long-term stability matter more than simply affording a down payment, with retirement investing or other assets sometimes being a better choice.