全美房地产经纪人协会：2024年低息贷款对住房负担能力与房屋供应的双重影响分析报告（英文版）

Affordability is far from a novel concern. It has consistently been a challenge, deteriorating over the past decade with only a few years as exceptions. Fast-rising home prices, driven by the mismatch between housing demand and housing supply, contributed significantly to increasing borrowing costs and, subsequently, diminishing the purchasing power of home buyers. However, affordability has been aggravated even further in the last couple of years, sinking to new record lows. This was largely