前两任总统一直在推动住房所有权，这无疑是导致2008年金融危机的原因之一，悦博体育至今仍在从中恢复。 I thought that this month’s blog should look at homeownership from where we were, to where we are and looking forward to what the future holds. Many agents have been telling me that fear is holding back buyers and, in some cases, sellers in today's market. 客户有很多关于未来住房的问题，以及影响他们自己的情况。

If we look back in history, we note that home ownership rates averaged about 63 to 64 percent from 1965 to the early 1990’s. 就在那时，乔治·W·布什开始推动增加所有权的目标，这得到了克林顿总统的回应。 由于当时宽松的贷款标准，悦博体育看到住房拥有率飙升至70%左右。

那么悦博体育今天在哪里？ 官方公布的失业率为67.1%，远高于历史平均水平，回到了2001年以来的最低水平。 有一件事仍然很清楚，那就是悦博体育肯定会看到这个比率下降，因为悦博体育继续看到越来越多的丧失抵押品赎回权。

然而，有许多因素表明，尽管住房自有率正在下降并回到历史标准，但不应过度调整。 具体如下：

1. Social Policies – as mentioned above, our elected officials like homeowners as it results in neighborhood stability, as well as building equity. 然而，由于过度需求是由无法恢复的宽松贷款推动的，因此需要一种平衡。

2. General Housing Affordability – With the price declines that we have seen, housing affordability has not been better in many years. 历史上的低利率也影响了人们的负担能力。

3. Aging Population – as the population ages, ownership rates increase.

4. New Households – the echo boom generation is upon us and every year there are millions of young people who fly the nest, heading out into the world and in need of shelter. 这个数字远远超过家庭死亡人数。 话虽如此，正如许多人所知，如果没有工作机会，他们很可能不会在没有相当大的推动下飞行！

这悦博体育什么呢？ The likelihood of an overcorrection, assuming that lending policies by GSE’s such as Fannie Mae, Freddie Mac, and FHA do not change dramatically, is slim.