女性购房不仅是拥有像Dakota Johnson一样的青柠色厨房或像David Harbor的纽约阁楼一样的复制品，更重要的是拥有自主权。Fannie Mae首席执行官兼总裁Priscilla Almodovar在财富最具影响力女性峰会上指出，女性购房是财富积累的关键，并与Ellevest联合创始人兼首席执行官Sallie Krawcheck共同探讨了“缩小财富差距”的话题。尽管面临着父权社会带来的挑战，但女性在购房方面取得了进步。Almodovar表示，目前单身女性房主数量超过单身男性房主。她强调，女性的觉醒和投资，其影响力远远超过个人，因为她们的财富会流向家庭。由于性别规范，女性通常承担着父母和子女（如果有）的照护责任，因此，帮助她们就是帮助更多人。Krawcheck坚称，女性拥有更多财富不会带来任何负面影响，她们的财富积累会带来更大的消费和经济增长。女性支撑和推动着经济，根据哈佛商业评论，她们每年创造20万亿美元的消费支出。尽管如此，挑战仍然存在。Almodovar表示，只有30%的女性表示有信心完成抵押贷款流程，称之为“信心差距”。她说，“女性缺乏理解令人震惊，还有很多工作要做。所有性别的房主都面临着长期成本，例如因气候变化而上涨的保险费用、税收和简单的维护费用。”她解释说，女性在购房首付方面比男性差距更大，而年轻女性则更为突出。“Z世代，也就是我们未来的房主，他们并不了解购房需要什么。”Krawcheck指出，部分问题在于女性被灌输了对自身成就的错误认知，她们一生都在接受关于财务规划的负面信息。她补充说，除了投资之外，购房是为数不多的可扩展、可预测的财富积累指标之一，而女性因性别工资差距而困于不满意婚姻、工作和生活。Almodovar表示，虽然购房只是拼图的一部分，但对于老年女性尤为重要。她指出，“对于老年女性而言，她们财富的66%来自房屋净值。这看起来很高，但并非因为她们拥有更多房屋净值，而是因为她们没有其他资产。”她补充说，普通人50%的财富来自房屋净值，因为他们拥有其他资产。虽然女性正在攀登购房的阶梯，但现在进入市场仍然非常困难。Almodovar谈到总统大选时说，“我一直从事住房行业，这是我第一次看到双方都谈论住房问题。”她指出，这表明了普遍存在的“负担能力危机”。Almodovar指出，住房困境对所有年龄段和收入水平的人都有影响，对服务不足和低收入家庭的影响更大。她强调，购房平均年龄越来越大，房价不断上涨，Z世代年轻人住在家里的时间更长，住房问题“不会消失”。另一方面，她说，“这是一个激动人心的时刻，因为人们终于开始说，‘住房怎么了？’”

🏡 女性购房不仅是拥有理想的房子，更重要的是拥有自主权，这可以帮助她们积累财富、提升生活质量，并为家庭带来积极影响。

📈 女性在购房方面取得了进步，但仍面临着信心差距和财务规划方面的挑战。她们需要更多地了解购房流程，克服对自身能力的怀疑，并获得更多关于财务规划的积极信息。

🏠 尽管购房市场存在挑战，但女性购房仍然是重要的财富积累方式，尤其对于老年女性而言，房屋净值占据了她们财富的很大一部分。同时，住房问题也反映了社会普遍存在的“负担能力危机”，需要政府和社会各界共同努力解决。

💰 女性的消费能力不容忽视，她们每年创造20万亿美元的消费支出，因此，帮助女性拥有更多财富，不仅有利于她们自身，也有利于整个经济的增长。

👩‍🏫 为了帮助女性更好地理解购房，需要提供更多关于购房流程、财务规划和相关政策的信息，并消除她们对自身能力的怀疑，鼓励她们积极参与购房决策。

📊 住房问题是一个复杂的社会问题，需要政府、企业和社会各界共同努力解决，例如制定更合理的住房政策，加大对低收入家庭的住房补贴，以及提高房屋租赁市场监管力度等。

🚀 女性购房是一个积极的趋势，它不仅代表着女性的经济独立，也代表着她们对自身未来和家庭的责任感。我们需要鼓励女性积极参与购房，为她们提供更多支持和帮助，帮助她们实现拥有梦想中的家园的愿望。

A woman’s dream of buying a home isn’t just about having a lime-green kitchen like Dakota Johnson or an exact replica of David Harbor’s NYC loft. Rather, home ownership is all “about agency,” in the words of Fannie Mae CEO and president Priscilla Almodovar.At Fortune’s Most Powerful Women Summit on Tuesday, Almodovar unpacked the high-stakes legacy of wealth building known as real estate. Joining her at a panel entitled “Closing the Wealth Gap” was Sallie Krawcheck, cofounder and CEO of Ellevest.Women have made strides as homeowners despite having to navigate the trappings of a patriarchal society. As it stands, there are more single women than single men who are homeowners, said Almodovar. “It’s women’s time,” she continued. “The wake of women, when you invest in women, is way more powerful than just that individual,” Almodovar explained, pointing to the flow of wealth from women breadwinners to their families. Indeed, women are often assigned caregiving responsibilities of both their parents and children, if they have any, due to gendered norms. So, a leg up for them can represent a leg up for many.“Nothing bad happens when women have more money,” asserted Krawcheck, adding that their wealth-building leads to greater spending and a growing economy. Women uphold and fuel the economy—accounting for $20 trillion in annual consumer spending, per Harvard Business Review.Even so, hurdles remain. Only 30% of women report that they have the confidence to go through the mortgage process, said Almodovar, calling it a “confidence gap.”“The lack of understanding for women really just amazes us,” she said. “There’s a lot of work to be done there. And homeowners, of all genders, find themselves facing long-term costs like rising insurance costs (as impacted by climate change), taxes, and simple maintenance.”Claiming that women have a larger disconnect in terms of the down payment needed to buy a house than men do, she explained this issue becomes sharper with younger women. “Zillennials—that’s our future homeowner, that’s the cohort, and they’re the ones that don’t understand what it takes to own a home,” she said. Part of the problem is what women are told they can achieve, said Krawcheck, as “they receive negative money messages their whole lives” regarding financial planning. Pointing out that the gender wage gap leaves many women stuck in marriages, jobs, and lives they’re unsatisfied with, Krawcheck added that home ownership is one of the only scalable, predictable markers of building wealth besides investing. While home ownership is just part of the puzzle, said Almodovar, it’s especially important for older women.“When you look at older women, in terms of their wealth, 66% comes from their home equity,” she noted. “That seems high, but it’s not because they have more equity in their home. It’s because they don’t have other assets,” she said, adding that the average person is at 50% of their wealth from home equity but because they have other assets.While women are scaling the hill of homeownership, it’s still an incredibly difficult time to enter the market. “I’ve been doing housing for a long time. It is the first time that I could remember where both sides are talking about housing,” Almodovar said of the presidential election, noting that it demonstrates the “affordability crisis” at large.Hitting underserved and low-income households more, the housing dilemma persists for all ages and income levels, noted Almodovar. Calling out the later average age of home ownership, continually rising prices, and Gen Zers living at home longer, Almodovar noted that as an issue “housing is not going to go away.”On the other hand “it’s an exciting time,” she said, “because people, you know, are finally saying, ‘What’s up with housing?’”Recommended newsletter The Broadsheet: Covers the trends and issues impacting women in and out of the workplace and the women transforming the future of business. Sign up here.