加拿大房产学论文代写：住房数据
加拿大房产学论文代写：住房数据
最近的研究推测，在考虑业主的教育水平之后，房屋所有权的增长率已经达到了四十。然而，大多数现有和当代文献的研究表明，人口统计学对市场价格没有因果关系，任何这样的因果关系都是暂时性的。然而，以年龄组为基础的统计模型的支持者长期以来一直认为，老龄化的人口往往会导致工作和劳动力市场更为紧张的状况。劳动力供应显着减少被认为是个人收入较高的指标。
然而，更重要的是，首次购买者活动缺乏明显的回升。现房销售的首次买家份额仍然停留在30％左右，远低于典型的40％，是近三十年来的最低水平。在新房市场中，首次购房者仅占销售额的15％左右，而正常水平则在25-30％左右。
潜在的新买家面临一系列的房屋拥有障碍，包括信贷条件依然紧张，学生债务负担过重，收入增长乏力以及就业不足率高。尽管过去一年招聘人数大幅增加，25至34名主要购房人口的就业率仍低于经济衰退前的高峰3个百分点。即使整体消费者信心攀升至七年半以来，购房意向依然偏低。
住房行业需求维持的原因，是近年来历史低点的利率。这个原因也被视为国内监管机制规定的收紧贷款标准影响的一个缓解因素。
加拿大房产学论文代写：住房数据
It has been postulated in recent studies that the increase in home ownership rates, after considering owner education levels, is pegged at forty. However, most of the studies in existing and contemporary literature indicate that demographics have no causal effect on the market prices, and any such causal link is temporary in nature. However, proponents of age-group based statistical models have long argued that an ageing population tends to lead to tighter conditions in the job and labour markets. The marked reduction in the supply of labour forces is seen as indicative of higher personal income.
More critical, however, is the lack of any discernible pickup in first-time buyer activity. The first-time buyer share of existing home sales remains stuck around 30%, well below the typical 40% and its lowest level in nearly three decades. In the new home market, first-time buyers account for only about 15% of sales, compared with a normal level of around 25-30%.
Potential new buyers face a number of sizeable hurdles to homeownership, including still tight credit conditions, high student debt loads, weak income growth and high levels of underemployment. Notwithstanding the strong pickup in hiring over the past year, the employment rate for the key 25-34 home buying demographic is still more than 3 percentage points below its pre-recession peak. Home purchase intentions remain low even as overall consumer confidence has climbed to a 7½-year high.
The reason for the sustenance of demand in the housing industry though has been attributed to the historically low interest rates in recent years. This reason has also been seen as a mitigating factor in the impact of the tightened lending criteria set forth by regulatory mechanisms in place in the country.
