s*******1
发帖数: 16479 | 1 论起买房，亚裔都不算在少数族裔了。以后贷款利率针对亚裔弄不好要定一个更高的新
利率彰显pussy价值
左B记者吃饱了撑的没事干怎么不说亚裔申请到housing的percentage低是种族歧视啊，
明明是生活方式和种族传统的问题，非往种族歧视上扯，而且还拼命给亚裔招黑。白左
就是癌细胞。
http://www.nydailynews.com/life-style/real-estate/homeownership
GETTING SHUT OUT OF HOME: Homeownership remains a pipe dream for New York
City minorities, a new report shows
The so-called American Dream is a dream deferred for minorities in New York
City.
Blacks and Hispanics are increasingly less likely than whites and Asians to
own homes here — a problem linked to rapidly rising prices, ongoing income
disparity and, some believe, racism.
Just 26.5% of blacks and 16.1% of Hispanics now own their own homes, while
41.6% of Asians and 41.4% of whites are homeowners, according to new data by
local listings giant StreetEasy.
Blacks and Hispanics are also far more likely to be denied a mortgage in New
York City than whites or Asians. Citywide, 33.6% of applications from
blacks and 29.2% of applications from Hispanics were rejected by a financial
institution, compared with 15.8% of whites and 18.5% of Asians.
“The numbers really highlight how race matters,” StreetEasy data scientist
Alan Lightfeldt told the Daily News. “There’s a progressively less
diverse pool of New Yorkers who are successful in securing the financing
they need to own a home.”
The biggest problem with low homeownership rates among minorities is that
owning property has traditionally been the path to financial security.
“In New York, it’s hard enough to become a home-owner but it’s even
harder for blacks and Hispanics to get their feet in the door,” Lightfeldt
said.
In the Bronx, for instance, whites are 4.6 times more likely to become
homeowners than Hispanics and 2.5 times more likely than blacks. Only 10.1%
of Hispanics and 18.7% of blacks are homeowners in the borough, while nearly
half of whites owns a home, the data show.
And in Staten Island, the denial rate for mortgages for black applicants is
a jaw-dropping 51.1%, compared with just 12.4% of white buyers.
Many turn to Federal Housing Administration-backed loans, which typically
have more favorable requirements for credit and income standards. Minorities
account for 53.7% of traditional loan applications in New York City, but 81
.1% of FHA loans.
StreetEasy says its report isn’t exposing any outright discrimination, but
it does highlight how the odds are stacked against minority buyers, many of
whom attribute the lagging homeownership rates to low incomes, skyrocketing
real estate prices and a lack of homeownership education.
And certainly “redlining” does still happen. Just last year, state
Attorney General Eric Schneiderman launched an investigation into whether
Ever Bank, a regional bank in upstate New York, was denying mortgages to
black applicants regardless of their credit scores.
“There are so many instances across the country where less-qualified whites
continue to get loans over higher-income blacks,” said Shanna Smith,
president and CEO of the National Fair Housing Alliance, whose organization
is currently fighting a lawsuit against Bank of America, alleging
discriminatory treatment of prospective Latino borrowers seeking mortgage
loans.
The Alliance filed suit after its own investigation allegedly showed that
white borrowers in South Carolina consistently got loans over Latino
applications, even when the Latino applicants better met the loan criteria.
There’s a progressively less diverse pool of New Yorkers who are
successful in securing the financing they need to own a home
But the biggest obstacle for minority homeowners in New York City is
undoubtedly price.
The median household incomes for blacks and Hispanics were just $41,000 and
$37,000 in 2013, respectively. By comparison, whites made a median income of
$62,000 and Asians made $58,000. With real estate prices rising all across
the city, more and more minorities are getting priced out of their own
neighborhoods.
“It’s not an ethnic group issue. It’s a money issue,” said Rev. Charles
Butler, who heads affordable homeownership seminars at Harlem Congregations
for Community Improvement. “You have money, you can buy. You don’t, you
can’t. It’s as simple as that. You want a house in Harlem. Well, do you
have $2 million?”
Blacks and Hispanics are also more likely to have poor credit histories than
whites and Asians, according to a 2015 report by the Consumer Financial
Protection Bureau, a national agency. Nearly 30% of blacks and Hispanics in
the U.S. have no usable credit report at all, StreetEasy’s report shows.
These “credit invisibles” often get shut out of the mortgage finance
system entirely, Lightfeldt said.
Advocacy groups are trying to do something about that.
Smith said NFHA is currently working with Fannie Mae and Freddie Mac to
encourage the agencies to help would-be borrowers get evaluated based on
their VantageScores, which are more forgiving of minor delinquencies on
bills for credit cards or electricity.
But, mortgage troubles aside, many would-be minority buyers said they felt
sidelined by the homebuying process because of a lack of information.
“I’m not saying that it would have been better if I was white but, if my
parents had been in a better situation or if I had been more educated early
on, I would have been better prepared,” said Annette Cruz, a 50-year-old
Harlem grandmother who is trying to save to purchase her first home.
Cruz, a docketing clerk in a law office, spent her childhood living off
public assistance and food stamps before moving into a Section 8 apartment.
“I would have done this a long time ago if I had known more,” she said. “
It’s scary because you don’t know if you’ll qualify or not, you don’t
know if you’re getting a good deal and you don’t know if it’s a good time
to buy,” she told The News.
It’s a common refrain, experts said.
“It’s a fact that there’s a lack of education,” said Anie Akpe, vice
president of mortgages at the Municipal Credit Union. “I talk to so many
people who, had they known what they know now, could have bought years ago.
Instead, they wait until they’ve been priced out of an area and then feel
like they missed the boat or that there was some conspiracy to keep them out
. You have to (buy) before it’s too late.”
Some buyers don’t have any idea how important credit scores can be when
finding a home or how much they need to save for a downpayment. It’s a
legacy problem, Akpe said.
It’s not an ethnic group issue. It’s a money issue
“If your parents or the people around you aren’t homeowners, they’re not
going to encourage you or drive home the importance of homeownership,” she
said.
But not everyone wants to take on the process and many are so intimidated by
it that they never even try.
Indeed, blacks and Hispanics submit just 11.2% of the city’s conventional
mortgage applications, despite making up 51.3% of the total population
StreetEasy’s data show. By contrast, Asians make up 13.4% of the city's
population yet account for a whopping 22.4% of applications. Whites, who
make up 46.3% of the population, file 32.6% of the city’s mortgage
applications.
“We’re still getting applications from minorities but we’re not getting
as many as we would typically expect in homebuyer’s season.” Akpe said.
The racial disparity is even more dramatic at the borough level. In the
Bronx, Hispanics account for 54.6% of the population and file just 25.4% of
the mortgage applications. In Brooklyn, blacks make up 31.3% of the
population but file a measly 7.4% of the applications.
“I never even really thought that homeownership in New York could be an
option for me,” said Carmen Dixon, 35-year-old community organizer who is
currently shopping for an apartment uptown, of why she waited until now to
start thinking about homeownership. “My worry is that by the time I have
the money saved up, the price of the condo will have gone way up again.”
But those who have made the jump are now reaping the rewards.
“The fear of getting denied can be paralyzing,” said Adrienne Williams, a
39-year-old actress who successfully purchased an apartment on W. 126th St.
several years ago. “I’m so grateful now that I made the move. It’s the
best decision I ever made because now the neighborhood is booming.” | s*******1
发帖数: 16479 | 2 Percentages of home ownership in the boroughs by racial/ethnic groups. | s*******1
发帖数: 16479 | 3 左B白牛作者Katherine Clarke，所以粉白牛的先看清楚粉的白牛是什么货色吧。 | h*******u
发帖数: 15326 | 4 白左专门往勤劳工作人身上捅刀子
白左不除，西方文明要完
【在 s*******1 的大作中提到】
: 左B白牛作者Katherine Clarke，所以粉白牛的先看清楚粉的白牛是什么货色吧。
| s*******1
发帖数: 16479 | 5 但愿我泱泱中华不要走极左或极右的路
不看好在普世大道上狂奔的美帝
【在 h*******u 的大作中提到】
: 白左专门往勤劳工作人身上捅刀子
: 白左不除，西方文明要完
| c*******o
发帖数: 608 | 6 所以华人千万不能支持民主党，要不就是自断生路。看希拉里声称不应叫非法移民为
illegal immigrant，而应该叫undocumented immigrant。赤裸裸的买票
【在 h*******u 的大作中提到】
: 白左专门往勤劳工作人身上捅刀子
: 白左不除，西方文明要完
| s*******1
发帖数: 16479 | 7 要是非法移民都是华人，她才不会这么说呢，那时候她就肯定推遣返非法移民政策了。
总觉得民主党骨子里非常痛恨华裔，因为他们痛恨勤奋努力不肯做秀的人。
【在 c*******o 的大作中提到】
: 所以华人千万不能支持民主党，要不就是自断生路。看希拉里声称不应叫非法移民为
: illegal immigrant，而应该叫undocumented immigrant。赤裸裸的买票
| j*****p
发帖数: 24000 | 8 左逼好吃懒做，最后美国变个大号底特律就成了他们的愿望了 | G**L
发帖数: 22804 | 9 呵呵，亚裔不属于少数族裔了，变成和白皮一样的高大上了
York
【在 s*******1 的大作中提到】
: 论起买房，亚裔都不算在少数族裔了。以后贷款利率针对亚裔弄不好要定一个更高的新
: 利率彰显pussy价值
: 左B记者吃饱了撑的没事干怎么不说亚裔申请到housing的percentage低是种族歧视啊，
: 明明是生活方式和种族传统的问题，非往种族歧视上扯，而且还拼命给亚裔招黑。白左
: 就是癌细胞。
: http://www.nydailynews.com/life-style/real-estate/homeownership
: GETTING SHUT OUT OF HOME: Homeownership remains a pipe dream for New York
: City minorities, a new report shows
: The so-called American Dream is a dream deferred for minorities in New York
: City.
| c*******r
发帖数: 3289 | | s*******1
发帖数: 16479 | 11 入学待遇上比白皮还高大上
【在 G**L 的大作中提到】
: 呵呵，亚裔不属于少数族裔了，变成和白皮一样的高大上了
:
: York
| s*******1
发帖数: 16479 | 12 房改吧，跟文革一样，直接每家塞一户泥哥或墨墨
【在 c*******r 的大作中提到】
: 这是赤裸裸的鼓吹打土豪分田地啊
| k*******g
发帖数: 7321 | 13 左B白牛一般都是弱智，正经在社会上生存不下来的那种。她们先给黑人争取点福利，
然后把她们的猪头埋在黑人的食槽子里。 |
|
