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#AIS: Divvy Homes CEO Adena Hefets breaks down the state of the US housing market
2022/5/29
All-In with Chamath, Jason, Sacks & Friedberg
A
Adena Hefets
Adena Hefets: 美国梦对于许多美国人来说已经消失，原因是财富不平等加剧，住房负担能力下降。几十年来，美国财富分配严重不均，最富有的群体拥有大部分财富，而底层民众的财富几乎没有增长。这种财富差距的扩大与资产（如股票和住房）的增值密切相关，因为富人更容易获得并持有这些资产，从而获得更高的投资回报。
住房市场方面，房价在过去十年中大幅上涨，而实际收入增长有限，导致住房负担能力下降。购买房屋所需的储蓄和信用评分要求越来越高，进一步限制了住房的可及性。不断上涨的抵押贷款利率和房价正在减少能够负担得起抵押贷款的家庭数量。
住房短缺是导致房价飙升的主要原因之一，这与2008年金融危机后住房建设不足有关。落后的住房政策和漫长的建筑审批流程导致房地产市场对经济变化反应迟缓。政府对抵押贷款的保守监管也限制了住房市场的灵活性。
虽然房地产市场增长将放缓，但不太可能出现像2008年金融危机那样的崩盘，因为房地产市场的反应速度比股票市场慢得多。
Divvy Homes旨在通过让更多美国人能够获得资产来帮助解决财富不平等问题，为那些难以获得传统抵押贷款的家庭提供购房机会。
Deep Dive
Adena Hefets discusses the rising wealth inequality in America, attributing it to asset appreciation and the concentration of wealth among the top income earners.
- 99% of wealth is owned by the top 50% of households.
- Household income has not appreciated much in the last 20 years, while assets like stocks and homes have seen significant increases.
- The top 1% of income earners own 38% of overall equities and 51% of all directly held stocks.
Shownotes Transcript