拜登上台后，美国房地产市场会有什么变化？对首次购房者可得15000美元的税收抵免

在住房政策方面，拜登政府关注的是可负担性（affordability）和可获得性（accessability）。

到目前为止，拜登已经提出了对首次购房者进行15000美元的税收抵免，这是对租房者的财政帮助，以及对公平住房政策的再投资。与2008-2010年的首次购房者税收抵免不同，拜登提议的抵免将是可以提前的--"这意味着"，正如拜登的网站上所说，"购房者在购房时就可以获得税收抵免，而不是等到下一年报税时才获得援助"。

除了购房的税收福利，拜登还提出计划给租房者也提供 tax credits，让房租与水电费可以控制在租房者家庭总收入的30%。目的是保护租房者免受过高的住房租金成本影响，让他们可以有更多预算可以购买日常必需品或储存下来。

当然，这些提案都必须先通过国会的批准，现在还不能确定下来。

而一些专家猜测，虽然拜登获胜可能有助于增强中产阶级的住房所有权，但也可能意味着更高的抵押贷款利率。

When it comes to housing policy, the Biden Administration is focused on affordability and accessability.

So far, Biden has proposed a $15,000 first-time home buyer tax credit, financial help for renters, and a reinvestment in fair housing policy. Unlike the first-time home buyer tax credits of 2008-2010, Biden’s proposed credit would be advanceable — “meaning,” as Biden’s website states, “that homebuyers receive the tax credit when they make the purchase instead of waiting to receive the assistance when they file taxes the following year.”

And some experts have speculated that while a Biden win could help bolster homeownership for the middle class, it could also mean higher mortgage rates.

Similarly, Biden has raised the idea of a renter’s tax credit that will limit rental and utility costs to 30 percent of an individual’s household income.

The goal is to protect renters from excessive housing costs and leave more room in their budgets for daily necessities and putting away savings.

Of course, none of these changes are guaranteed. They’ll have to pass through Congress first.

And some experts have speculated that while a Biden win could help bolster homeownership for the middle class, it could also mean higher mortgage rates.  source

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