Redfin Survey: 1 in 5 Homebuyers Expect to Sell Stocks to Fund Down Payment
Redfin (NASDAQ: RDFN) reveals that 20% of prospective homebuyers plan to sell stocks to fund their down payments, according to a new survey. The study shows that 13% of current homeowners have already sold stocks for down payments, while 10% have done so to afford mortgage payments.
The survey highlights that selling stocks ranks as the third most common method for down payment funding among potential buyers, following direct paycheck savings (48%) and second jobs (29%). In contrast, only 6% of renters have sold stocks to pay rent, with most relying on regular income (45%) and second jobs (20%).
Stock market volatility could impact housing demand as 68.8% of homeowners and 36.9% of renters hold stock investments. While market uncertainty might deter some buyers, experts suggest potential benefits: real estate might be viewed as a safer investment alternative, and stock market declines could lead to lower mortgage rates.
Redfin (NASDAQ: RDFN) rivela che il 20% dei potenziali acquirenti di case prevede di vendere azioni per finanziare il proprio acconto, secondo un nuovo sondaggio. Lo studio mostra che il 13% degli attuali proprietari di casa ha già venduto azioni per i pagamenti iniziali, mentre il 10% lo ha fatto per sostenere i pagamenti del mutuo.
Il sondaggio evidenzia che la vendita di azioni è il terzo metodo più comune per finanziare l'acconto tra i potenziali acquirenti, dopo i risparmi diretti dallo stipendio (48%) e i lavori secondari (29%). Al contrario, solo il 6% degli inquilini ha venduto azioni per pagare l'affitto, con la maggior parte che si affida a un reddito regolare (45%) e a lavori secondari (20%).
La volatilità del mercato azionario potrebbe influenzare la domanda di abitazioni, poiché il 68,8% dei proprietari di casa e il 36,9% degli inquilini detengono investimenti in azioni. Sebbene l'incertezza del mercato possa dissuadere alcuni acquirenti, gli esperti suggeriscono potenziali benefici: il settore immobiliare potrebbe essere visto come un'alternativa di investimento più sicura, e i cali del mercato azionario potrebbero portare a tassi di mutuo più bassi.
Redfin (NASDAQ: RDFN) revela que el 20% de los compradores de vivienda potenciales planea vender acciones para financiar su pago inicial, según una nueva encuesta. El estudio muestra que el 13% de los propietarios actuales ya ha vendido acciones para pagos iniciales, mientras que el 10% lo ha hecho para costear los pagos de la hipoteca.
La encuesta destaca que la venta de acciones ocupa el tercer método más común para financiar el pago inicial entre los compradores potenciales, después de los ahorros directos del sueldo (48%) y los trabajos secundarios (29%). En contraste, solo el 6% de los inquilinos ha vendido acciones para pagar el alquiler, con la mayoría dependiendo de ingresos regulares (45%) y trabajos secundarios (20%).
La volatilidad del mercado de valores podría afectar la demanda de vivienda, ya que el 68,8% de los propietarios y el 36,9% de los inquilinos tienen inversiones en acciones. Aunque la incertidumbre del mercado podría disuadir a algunos compradores, los expertos sugieren beneficios potenciales: el mercado inmobiliario podría ser visto como una alternativa de inversión más segura, y las caídas del mercado de valores podrían llevar a tasas hipotecarias más bajas.
레드핀 (NASDAQ: RDFN)은 새로운 설문 조사에 따르면 20%의 잠재적 주택 구매자가 계약금을 마련하기 위해 주식을 판매할 계획이라고 밝혔습니다. 이 연구에 따르면 현재 주택 소유자의 13%가 이미 계약금을 위해 주식을 판매했으며, 10%는 주택 담보 대출 상환을 위해 판매했습니다.
설문 조사는 주식 판매가 잠재적 구매자들 사이에서 계약금 마련을 위한 세 번째로 일반적인 방법으로 자리 잡고 있으며, 직접 급여 저축(48%)과 부업(29%)에 이어 있습니다. 반면, 임차인의 6%만이 임대료를 지불하기 위해 주식을 판매했으며, 대부분은 정기적인 수입(45%)과 부업(20%)에 의존하고 있습니다.
주식 시장의 변동성은 주택 수요에 영향을 미칠 수 있으며, 68.8%의 주택 소유자와 36.9%의 임차인이 주식 투자를 보유하고 있습니다. 시장의 불확실성이 일부 구매자에게는 저지력이 될 수 있지만, 전문가들은 잠재적인 이점을 제안합니다: 부동산은 더 안전한 투자 대안으로 여겨질 수 있으며, 주식 시장의 하락은 더 낮은 주택 담보 대출 금리로 이어질 수 있습니다.
Redfin (NASDAQ: RDFN) révèle que 20% des acheteurs potentiels de maisons prévoient de vendre des actions pour financer leur apport, selon une nouvelle enquête. L'étude montre que 13% des propriétaires actuels ont déjà vendu des actions pour des acomptes, tandis que 10% l'ont fait pour payer des mensualités de prêt immobilier.
L'enquête souligne que la vente d'actions se classe comme la troisième méthode la plus courante pour le financement des acomptes parmi les acheteurs potentiels, après les économies directes sur salaire (48%) et les emplois secondaires (29%). En revanche, seulement 6% des locataires ont vendu des actions pour payer le loyer, la plupart s'appuyant sur des revenus réguliers (45%) et des emplois secondaires (20%).
La volatilité du marché boursier pourrait impacter la demande de logement, car 68,8% des propriétaires et 36,9% des locataires détiennent des investissements en actions. Bien que l'incertitude du marché puisse dissuader certains acheteurs, les experts suggèrent des avantages potentiels : l'immobilier pourrait être considéré comme une alternative d'investissement plus sûre, et les baisses du marché boursier pourraient conduire à des taux hypothécaires plus bas.
Redfin (NASDAQ: RDFN) zeigt, dass 20% der potenziellen Hauskäufer planen, Aktien zu verkaufen, um ihre Anzahlungen zu finanzieren, so eine neue Umfrage. Die Studie zeigt, dass 13% der aktuellen Hausbesitzer bereits Aktien für Anzahlungen verkauft haben, während 10% dies getan haben, um Hypothekenzahlungen zu leisten.
Die Umfrage hebt hervor, dass der Verkauf von Aktien als dritt häufigste Methode zur Finanzierung von Anzahlungen unter potenziellen Käufern eingestuft wird, nach direkten Gehaltssparungen (48%) und Nebenjobs (29%). Im Gegensatz dazu haben nur 6% der Mieter Aktien verkauft, um die Miete zu zahlen, wobei die meisten auf regelmäßiges Einkommen (45%) und Nebenjobs (20%) angewiesen sind.
Die Volatilität des Aktienmarktes könnte die Nachfrage nach Wohnraum beeinflussen, da 68,8% der Hausbesitzer und 36,9% der Mieter Aktieninvestitionen halten. Während die Marktunsicherheit einige Käufer abschrecken könnte, schlagen Experten potenzielle Vorteile vor: Immobilien könnten als sicherere Investitionsalternative angesehen werden, und Rückgänge des Aktienmarktes könnten zu niedrigeren Hypothekenzinsen führen.
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With stock values dropping, would-be homebuyers may back off as their bank accounts shrink and their confidence in the economy is shaken, according to a Redfin survey
When it comes to people who own homes, roughly one in eight (
“Some prospective buyers are pulling back because they’re worried about volatility in the stock market,” said Heather Mahmood-Corley, a Redfin Premier agent in
Stock investments are top of mind because President Trump’s sweeping new tariff policy has sent shockwaves through the
Chen Zhao, Redfin’s economic research lead, said the dropping value of stocks will push down homebuying demand, most directly because it takes money out of prospective buyers’ pockets. A significant portion of buyers plan to use stocks to fund their down payment, and now they may not have enough money in their portfolio. Volatility in the stock market also pushes down homebuying demand in other ways.
“Big drops in the stock market not only cut into funds earmarked for down payments and other housing costs, they shake consumer confidence and make people feel poorer in general. And this comes at a time when people are bracing for the price they pay for all kinds of things to rise as tariffs go into effect,” Zhao said. “But there are some possible silver linings for the housing market. One, a volatile stock market can encourage people to invest their money in real estate instead of stocks because some may view a home as a safer investment. Two, stocks declining can push mortgage rates down.”
Mortgage rates fell to a six-month low on April 4, giving homebuyers a brief window of relief. Rates have since jumped, but it’s unclear which way rates will go in the next few weeks, as economic news is rapidly evolving.
Selling stock is less common than other methods of paying for housing
Selling stocks is a less prevalent way of paying for housing than other methods—but it’s more common for homeowners than for renters.
For house hunters looking to purchase a home soon, selling stock investments is the number-three way they’re putting together funds for a down payment, out of 13 possible choices. Nearly half (
For renters, selling stocks is near the bottom of the list of methods people use to pay for housing. Of 13 possible choices, only two were less commonly cited than selling stock, which clocked in at
This is according to a Redfin-commissioned survey conducted by Ipsos in September 2024, fielded to 1,802
To view the full report, including a chart and more detailed methodology, please visit: https://www.redfin.com/news/stock-volatility-impact-housing-market
About Redfin
Redfin (www.redfin.com) is a technology-powered real estate company. We help people find a place to live with brokerage, rentals, lending, and title insurance services. We run the country's #1 real estate brokerage site. Our customers can save thousands in fees while working with a top agent. Our home-buying customers see homes first with on-demand tours, and our lending and title services help them close quickly. Our rentals business empowers millions nationwide to find apartments and houses for rent. Since launching in 2006, we've saved customers more than
Redfin’s subsidiaries and affiliated brands include: Bay Equity Home Loans®, Rent.™, Apartment Guide®, Title Forward® and WalkScore®.
For more information or to contact a local Redfin real estate agent, visit www.redfin.com. To learn about housing market trends and download data, visit the Redfin Data Center. To be added to Redfin's press release distribution list, email press@redfin.com. To view Redfin's press center, click here.
View source version on businesswire.com: https://www.businesswire.com/news/home/20250408359342/en/
Contact Redfin
Redfin Journalist Services:
Ally Forsell, 206-588-6863
press@redfin.com
Source: Redfin
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