2026年8月3日 美国东部时间12:27 / 哥伦比亚广播公司新闻
摩根大通周一表示，将在2035年前投入7500亿美元，以提振美国住房供应，其中包括为100万套经济适用房提供融资，并帮助50万人购房。
此次投资是摩根大通“美国梦计划”的一部分，该计划于今年3月宣布，旨在提升经济流动性，当前许多美国人都表示传统的财务目标正变得越来越遥不可及。该公司在一份声明中称，与过去10年相比，该行的住房资本配置增加了40%。
此次举措推出之际，住房成本持续走高，许多美国人已经无力承担购房支出。6月份现房价格中位数达到创纪录的440660美元，创下连续36个月房价上涨的纪录。
“负担得起且韧性十足的住房市场对推动经济增长和增加机遇至关重要，”摩根大通商业房地产主管米歇尔·赫里克在声明中说道。
哥伦比亚广播公司今年早些时候的一项民调显示，多数美国人认为，与前几代人相比，如今实现购房或成家等目标的难度更大。根据LendingTree的数据，住房自有被视为积累财富的关键途径，但仅有不到四成非业主家庭能够负担得起一套典型的入门级住房。
摩根大通表示，其扩大全国住房供应的工作将重点与各州和地方社区合作，简化分区和建筑法规，同时扩大税收抵免范围并推广公私合作伙伴关系。
这家银行业巨头计划通过将抵押贷款业务增加40%以上，帮助50万客户购房，其中包括20万首次购房者。该行计划通过新增850名住房贷款顾问，以及开发适用于模块化住宅和预制住宅的新型贷款产品来实现这一目标。
JPMorgan Chase to invest $750 billion in increasing the U.S. housing supply and homeownership
August 3, 2026 12:27 PM EDT / CBS News
JPMorgan Chase said on Monday it will invest $750 billion through 2035 to boost the U.S. housing supply, including financing for 1 million affordable housing units and assisting 500,000 people in buying homes.
The investment is part of JPMorgan Chase’s American Dream Initiative, announced in March to boost economic mobility at a time when many Americans say traditional financial milestones are slipping further out of reach. The investment represents a 40% increase in the bank’s housing capital deployment compared to the previous 10 years, the company said in a statement.
The effort is rolling out as housing costs continue to march higher, pricing homes beyond the reach of many Americans. The median price of existing homes in June reached a record $440,660, marking 36 straight months of higher property prices.
“An affordable and resilient housing market is essential to driving economic growth and increasing opportunity,” Michelle Herrick, head, commercial real estate for JPMorgan, said in the statement.
A majority of Americans surveyed by CBS News earlier this year said it’s harder to reach goals like buying a home or raising a family than it was for past generations. Homeownership is considered a key pathway to building wealth, yet fewer than four in 10 non-homeowner households can afford a typical starter home, according to LendingTree.
JPMorgan said its efforts to expand the nation’s housing supply will focus on collaborating with states and local communities to streamline zoning and building codes, as well as to expand tax credits and private-public partnerships.
The banking giant plans to assist 500,000 customers, including 200,000 first-time homebuyers, in buying homes by increasing JPMorgan’s mortgage lending by more than 40%. The bank plans to accomplish that partly by adding 850 new home-lending advisers and by developing new loan products for modular and manufactured homes.
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