住房自有率-House_Ownership_Rate

Last updated Nov 6, 2021 Edit Source

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Tags: #HousingMarket #Index

• 即拥有住房的人口占总人口的比率
• 不同国家的统计方式不同

List of countries by home ownership rate

• 中国的住房自有率为89%(2018)
• 老牌发达经济体如美国、英国，住房自有率稳定在60%左右。德国、香港更低，不到50%。

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• 我国的住房自有率接近90%，主要是计算口径不同导致的虚高。国际上，住房自有率计算方法是居住在自有产权的家庭户数/全部家庭户数，而我国则是按照自有（私有）住宅建筑面积/实有住宅建筑面积计算，实为住房私有率。两者有两个区别，一是国外是按照户数，而我国是根据建筑面积，二是后者将本地无房、但在外地有房的也纳入计算。考虑到这两个因素，我国的住房自有率应该处于较合理的水平。²

# Why is the housing market important to the economy?3

The housing market is closely linked to consumer spending. When house prices go up, homeowners become better off and feel more confident. Some people will borrow more against the value of their home, either to spend on goods and services, renovate their house, supplement their pension, or pay off other debt.

When house prices go down, homeowners risk that their house will be worth less than their outstanding mortgage.  People are therefore more likely to cut down on spending and hold off from making personal investments.