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cover of episode Will I ever own a home?

Will I ever own a home?

2024/6/14
logo of podcast Marketplace

Marketplace
AI Deep Dive AI Chapters Transcript
People
A
Amy Scott
D
Daryl Fairweather
G
Gina
J
Jenny Schutz
K
Kyle
M
Menzi Chin
R
Rachel
S
Stacey Vanek-Smith
S
Steve Reed
Topics
Gina: 持续高利率将导致消费者在贷款方面支付更多利息，影响大额消费和购房计划，对低收入人群的影响更大。高利率导致信用卡逾期率上升，尤其影响低收入人群。市场关注美联储政策基调的转变，而非具体的政策行动。中性利率是紧缩和宽松货币政策的分界线，衡量当前货币政策与中性利率的差距可以判断货币政策的力度。中性利率的上升意味着当前货币政策的紧缩程度不如之前预期的那样高。 Rachel: 经济数据需要更多时间来确认其持续性，美联储也需要更多时间来观察数据。美联储剩余会议数量不会影响其长期策略，关注点在于何时调整政策基调。美联储的政策转向取决于通货膨胀、就业市场等数据的表现以及官员们对这些数据的解读。 Kyle: 住房成本在CPI中占比超过三分之一，是影响通货膨胀的重要因素。计算房屋拥有者的住房成本比较复杂，美国劳工统计局使用业主等值租金（OER）来衡量。

Deep Dive

Chapters
The discussion focuses on the implications of the Federal Reserve's decision to keep interest rates high for an extended period, affecting mortgage rates, credit card rates, and overall economic policy.

Shownotes Transcript

Housing affordability is on everyone’s mind — a new survey shows it’s a “somewhat to very important issue” for the majority of voters, especially younger ones. We’ll discuss whether housing has historically determined elections and get realistic about what a president can do about housing prices. We’ll also look at how the government measures housing costs for homeowners, even if their mortgages are paid off. Plus: The history of all-you-can-eat deals.