主题：【讨论】另一个角度看次贷危机——中产在哪里？ -- wyqcdmt

美国2005年家庭税前中位数收入不过$44389。这也就是美国top50%的最低线。我觉得按美国的消费标准，这差不多就是中产阶级的底线，比这再少就很难供得起房屋贷款了，即使是中西部不到20万的便宜房子。这些人只能是“自认为是中产阶级”。

从下面的收入分布上看，68%的住房自有率意味着很多年收入在30000左右的家庭都要贷款买房，这怎么可能不出次贷的问题？

附：美国2005年家庭收入分布：

Income range Households

(thousands) Percent Percent below Mean number of earners Mean household size

$0 to $25,000 (28.22%) 0 2

Under $2,500 2,566 2.26% 0 0.23 1.97

$2,500 to $4,999 1,389 1.22% 2.26% 0.52 2.04

$5,000 to $7,499 2,490 2.20% 3.48% 0.39 1.76

$7,500 to $9,999 3,360 2.96% 5.68% 0.33 1.66

$10,000 to $12,499 4,013 3.54% 8.64% 0.46 1.71

$12,500 to $14,999 3,543 3.13% 12.18% 0.50 1.84

$15,000 to $17,499 3,760 3.32% 15.31% 0.67 1.99

$17,500 to $19,999 3,438 3.03% 18.63% 0.73 2.10

$20,000 to $22,499 4,061 3.58% 21.66% 0.84 2.11

$22,500 to $24,999 3,375 2.98% 25.24% 0.79 2.14

$25,000 to $50,000 (26.65%) 1 2.5

$25,000 to $27,499 3,938 3.48% 28.22% 0.93 2.21

$27,500 to $29,999 2,889 2.55% 31.70% 1.01 2.30

$30,000 to $32,499 3,921 3.46% 34.25% 1.12 2.38

$32,500 to $34,999 2,727 2.41% 37.71% 1.17 2.39

$35,000 to $37,499 3,360 2.96% 40.12% 1.22 2.36

$37,500 to $39,999 2,633 2.32% 43.08% 1.25 2.49

$40,000 to $42,499 3,378 2.98% 45.40% 1.31 2.46

$42,500 to $44,999 2,294 2.02% 48.38% 1.38 2.60

National Median $44,389 50.00% 1.35 2.57

$45,000 to $47,499 2,700 2.38% 50.40% 1.39 2.60

$47,500 to $49,999 2,371 2.09% 52.78% 1.49 2.62

$50,000 to $75,000 (18.27%) 2 3

$50,000 to $52,499 3,071 2.71% 54.87% 1.46 2.60

$52,500 to $54,999 2,006 1.77% 57.58% 1.58 2.72

$55,000 to $57,499 2,420 2.13% 59.35% 1.61 2.75

$57,500 to $59,999 1,786 1.57% 61.48% 1.70 2.87

$60,000 to $62,499 2,566 2.26% 63.05% 1.63 2.82

$62,500 to $64,999 1,774 1.56% 65.31% 1.79 2.89

$65,000 to $67,499 2,101 1.85% 66.87% 1.81 2.93

$67,500 to $69,999 1,637 1.44% 68.72% 1.74 2.80

$70,000 to $72,499 1,978 1.74% 70.16% 1.77 2.88

$72,500 to $74,999 1,413 1.24% 71.90% 1.82 3.00

$75,000 to $100,000 (10.93%) 2 3

$75,000 to $77,499 1,802 1.59% 73.14% 1.82 2.95

$77,500 to $79,999 1,264 1.11% 74.73% 1.98 3.04

$80,000 to $82,499 1,673 1.47% 75.84% 1.89 3.01

$82,500 to $84,999 1,219 1.07% 77.31% 1.97 3.10

$85,000 to $87,499 1,418 1.25% 78.38% 1.94 3.00

$87,500 to $89,999 984 0.86% 79.63% 1.98 3.03

$90,000 to $92,499 1,282 1.13% 80.49% 1.95 3.03

$92,500 to $94,999 917 0.81% 81.62% 2.17 3.25

$95,000 to $97,499 1,023 0.90% 82.43% 2.06 3.29

$97,500 to $99,999 846 0.74% 83.33% 2.12 3.33

$100,000 or more (15.73%) 2 3

$100,000 to $149,999 11,194 9.89% 84.27% ca. 2 ca. 3

$150,000 to $199,999 3,595 3.17% 94.16%

$200,000 to $249,999 1,325 1.17% 97.33%

$250,000 and above 1,699 1.50% 98.50%

SOURCE: US Census Bureau, 2005[5]