建立经济住房市场.ppt

Racial and ethnic minorities; 少数族裔； Immigrants; 移民； Lower-income and young families of all racial/ethnic backgrounds; 不同背景的较低收入家庭及年轻家庭 Households with nontraditional credit histories, irregular incomes, and related divergences from conventional underwriting guidelines. 无传统信用记录，固定收入，或与传统的保险规定不相符合的家庭 Wealth Inequality财富的不均等 Starting Point for Homeownership Outreach Initiatives“居者有其屋”构想的出发点 Understanding of consumer market segments (including attitudes toward homeownership, understanding of alternative sources of income and savings, nontraditional approaches to determine credit worthiness, and awareness of other barriers; 了解消费者细分市场（包括对住房的态度，对收入和储蓄替代来源的了解，决定信用声誉的非传统方法以及对其他障碍的认识） Financial and homeowner education and counseling infrastructure and outreach initiatives to promote homeownership; 金融教育和业主教育，咨询服务基础设施以及 “居者有其屋”构想 Willingness of financial institutions to pursue alternative products, services, cost structures and technologies; 金融机构是否愿意投资于替代产品、服务、成本结构以及技术； Government agency support through regulations and funding of pilot outreach efforts and innovative partnerships between government, private and non-profit sectors; 政府机构通过规章，对试验性拓展努力的资助已经与私人和非盈利性组织之间建立合伙关系进行支持。 Availability of affordable housing supply. 是否可以买到经济房 The Foundation’s outreach efforts were significantly influenced in 1992 by Fannie Mae’s National Housing Survey 基金会的拓展行动受到了1992年美国联邦国家房屋贷款协会（房利美）全国住房调查的深刻影响 Key barriers to homeownership identified in the survey included: 在此次调查中暴露出住房购买的关键障碍有： Insufficient savings 储蓄不足 Inadequate income 收入较低 Confusion about the home buying process 对购置程序不清楚 Additional Industry challenges included: 其他的行业性挑战包括： Inadequate products/rigid underwriting standards 产品不充足/僵硬的保险标准 Inadequate marketing and consumer outreach efforts 营销力度和消费者拓展力度不够 Insufficient support/encouragement from regulatory agencies 支持不足/监管机构的支持 Media-based public outreach initiative including televisio