美联储家庭财务调查：过去一年两成家庭曾迟付贷款或房贷，为2007年以来次高
华盛顿10月9日——据美联储10月9日发布的2025年消费者财务调查（SCF），过去一年中约20%的美国家庭曾迟付某笔贷款或房贷，高于2022年调查的12%，仅次于2007年调查的21%（全球金融危机前夜读数）。这份每三年一次的家庭财务普查，是观察美国家庭资产负债表的权威口径。
逾期程度也在加深：约8%的家庭曾迟付60天以上，与2010年危机后高点持平；债务负担方面，8.6%的家庭将收入的40%以上用于偿债，高于2022年的6.5%。财经媒体Mitrade在汇总报道中指出，这组数据与房市端的买家退场互为印证：高利率不仅压制了新增购房需求，也在侵蚀存量家庭的偿付余量。
对房市的含义在于需求端的脆弱性：当五分之一家庭出现过迟付记录时，新增房贷的信用审核通过率与购房预算都会进一步收紧。SCF的完整数据表已在美联储官网公布，涵盖收入、资产、债务与养老金等分项，供研究与机构引用。
SCF由美联储自1983年起每三年开展，2025年版调查期覆盖至2026年初发布，是房贷承销标准讨论中被引用最多的家庭端数据源之一。报告同时显示家庭资产中位数等分项数据，美联储官网提供免费下载；本站仅摘引与住房偿付直接相关的三项指标，完整解读应以原报告为准。
信息来源：美联储2025年消费者财务调查（10月9日发布），经Mitrade汇总报道。
图片来源：Retirement Savings — aag_photos / CC BY-SA 2.0 (via Openverse)
Fed Survey: One in Five Families Was Late on a Loan or Mortgage Payment Last Year, Near a Two-Decade High
WASHINGTON, Oct. 9 — Roughly 20% of U.S. families were late on a loan or mortgage payment within the past year, according to the Federal Reserve's 2025 Survey of Consumer Finances released Oct. 9, up from 12% in the 2022 survey and second only to the 21% recorded in 2007, on the eve of the global financial crisis. The triennial survey is the authoritative snapshot of household balance sheets.
Delinquency depth worsened as well: about 8% of families fell 60 or more days behind, matching the post-crisis peak of 2010, and 8.6% of families now spend over 40% of income on debt payments, up from 6.5%. Mitrade's summary noted the figures corroborate the buyer retreat visible in housing data — high rates are not only suppressing new purchases but eroding existing households' payment cushion.
For housing, the implication is demand-side fragility: when one in five families has a recent late payment, both underwriting pass rates and realistic buying budgets tighten further. The full SCF data tables, covering income, assets, debt and retirement accounts, are published on the Federal Reserve's website.
The SCF has been conducted by the Federal Reserve every three years since 1983, and the 2025 edition is among the most-cited household-side sources in mortgage underwriting debates. The full release, including median net worth and other components, is free on the Federal Reserve's website; this item extracts only the three indicators bearing directly on housing payment capacity, and the original report governs any fuller interpretation.
Source: Federal Reserve 2025 Survey of Consumer Finances, released Oct. 9, as summarized by Mitrade.
Photo: Retirement Savings — aag_photos / CC BY-SA 2.0 (via Openverse)
图片来源：图片来源：Federal Reserve / Wikimedia Commons（Public domain）
