Maybe Boomers Aren't So Keen On Second Homes
Baby boomers may not be as in love with second homes as once thought.
The rate of second-home ownership among 50- to 60-year-olds has remained flat during the 12-year period between 1992 and 2004, according to a report sponsored by Radian Group Inc. and the Research Institute for Housing America of the Mortgage Bankers Association.
Early boomers were no more likely to own a second home than older generations of homeowners. Those who do have a second home are using the residence on a limited basis, too: One-half spend two weeks or less and two-thirds spend four weeks or less per year in their second home, the report found.
About 12% of second-home owners said they intended to sell their main home and eventually use their second home as their primary address -- debunking speculation to the contrary.
The study, "Housing Trends Among Baby Boomers," was conducted by Gary V. Engelhardt and released during the MBA's annual convention Monday in Chicago.
Information for the report was pulled from a variety of sources, including U.S. Census Bureau information and the 2004 Health and Retirement Study, which is funded by the National Institute on Aging.
"There have been relatively few scientific studies on second-home ownership and mortgage activity," Doug Duncan, MBA's chief economist and senior vice president of research and business development, said in a news release. "The report indicates that baby boomers are not acting differently than their parents when it comes to second-home ownership. However, the baby boom cohort is so large, even if they follow typical buying patterns, they will have significant impacts on many local housing markets."
The study found 43 million U.S. households headed by someone age 50 or older owned their main residence and 6.6 million homeowners of that age group owned a second home. Those second homes were often located in well-known vacation areas.
美婴儿潮一代对第二居所并不那么热衷
美国婴儿潮时期出生的人对第二居所的热衷程度也许不如当初估计的那么高。
由Radian Group Inc.和全美住房按揭贷款银行协会(Mortgage Bankers Association)旗下的Research Institute for Housing America资助的一项研究显示，1992年至2004年的12年间，五十岁至六十岁的人中拥有第二套住房的比例基本持平。
婴儿潮早期出生的人并没有比上一代人更愿意拥有第二套住房。那些拥有第二套住房的人使用的时间也比较有限：这项研究发现，有一半的人每年使用第二套住房的时间为两周或不到两周，三分之二的人每年使用时间在四周以内。
在拥有第二居所的人中，约有12%表示，打算卖掉第一居所，最终使用第二居所作为其首选居住地，这同原来的猜测恰恰相反。
这项名为“婴儿潮一代住房趋势”的研究是由加里?因格哈特(Gary V. Engelhardt)进行的，在周一的全美住房按揭贷款银行协会年会上发表。
报告中的信息来自众多渠道，其中包括人口普查局(Census Bureau)和美国衰老研究所(National Institute on Aging)资助的2004年卫生及退休研究报告(2004 Health and Retirement Study)。
全美住房按揭贷款银行协会的首席经济学家、研究及企业发展部门高级副总裁道格?邓肯(Doug Duncan)说，对第二居所的拥有情况和按揭活动的研究一直很少。报告显示在第二居所问题上，婴儿潮一代同他们的父母并没有什么不同。不过，婴儿潮群体非常庞大，即使他们沿袭了通常的购买模式，也将会对许多当地住房市场产生重大影响。
这项研究发现，在家长为50岁以上的美国家庭中，有4,300万拥有第一居所，其中660万家庭拥有第二居所。第二居所多位于知名的度假胜地。
Amy Hoak
