Conflicting Strategies and Stalemates Worsen the U.S. Housing Affordability Problem

Bitget App

Trade smarter

Bitget

News

Markets

Conflicting Strategies and Stalemates Worsen the U.S. Housing Affordability Problem

Bitget-RWA2025/11/15 12:18

By:Bitget-RWA

- A real-estate executive warns post-pandemic interventions entrenched housing unaffordability for a generation, worsening structural cost issues. - Democrats leverage affordability as a political issue, contrasting Trump's 50-year mortgage proposals with concerns over favoring lenders over households. - Treasury Secretary Bessent prioritizes financial market stability to support affordability, while Dallas FHLB allocates $8.7M for storm-resistant affordable housing. - Fed Chair Powell emphasizes cautious

The U.S. housing sector continues to be a focal point in the ongoing affordability crisis, as a prominent real estate leader cautioned that post-pandemic policy responses have locked in high housing costs for younger Americans. "We may have effectively priced an entire generation out of homeownership," the CEO remarked,

reflecting a widely shared view

that emergency government spending and monetary policies have deepened persistent challenges in housing, healthcare, and childcare expenses.

Democratic leaders have turned affordability into a central campaign issue, using Republican President Donald Trump's 2024 messaging to spotlight inflation and rising living costs as key voter concerns.

During recent off-year contests

, politicians such as Zohran Mamdani in New York City and Abigail Spanberger in Virginia made affordability a cornerstone of their campaigns, with exit polls indicating the economy was voters' primary worry. Experts point out that while Trump’s ideas—like ultra-long 50-year mortgages and direct cash relief—appeal to some, critics warn these measures could benefit financial institutions more than families. "Extending mortgages to 50 years will mainly help banks and developers, while borrowers end up paying more interest,"

cautioned Republican Rep. Marjorie Taylor Greene

Conflicting Strategies and Stalemates Worsen the U.S. Housing Affordability Problem image 0

On the policy side, Treasury Secretary Scott Bessent underscored the administration’s commitment to reinforcing financial markets as a way to address affordability. Speaking at a Treasury Market Conference, Bessent

pointed to the strength

of the U.S. Treasury market, which has posted a 6% total return so far this year, as a foundation for "Making America Affordable Again." He described a plan involving gradual changes to coupon issuance and broader central clearing to boost market liquidity, in line with larger fiscal reforms. At the same time, the Federal Home Loan Bank of Dallas

revealed $8.7 million

in grants to fit affordable homes in four states with storm-resistant roofs, aiming to improve disaster resilience and maintain affordability over time.

The affordability conversation is also shaped by economic indicators and market swings. Investors are watching upcoming inflation data and manufacturing sales, which could sway the Federal Reserve’s interest rate moves.

Fed Chair Jerome Powell has indicated

a cautious approach to lowering rates, highlighting the challenge of curbing inflation while supporting growth. In the property sector, companies like CMCT

shared updates

on multifamily projects, with higher rents and occupancy in cities like San Francisco and Oakland suggesting a slow rebound.

As the affordability crisis continues, both parties are under pressure to offer real solutions. Democrats are pushing for targeted policies like capping drug prices and expanding Medicaid, while Republicans are split between Trump’s populist ideas and traditional fiscal restraint.

Given slim congressional margins

and persistent gridlock in Washington, experts warn that only modest policy changes may be possible, ensuring affordability remains a major political issue for years to come.

Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.

PoolX: Earn new token airdrops

Lock your assets and earn 10%+ APR

Lock now!

- MicroStrategy's Michael Saylor denied Bitcoin sale rumors, reaffirming the company's aggressive BTC accumulation strategy despite market volatility. - The firm holds 641,692 BTC ($61.3B) but faces liquidity risks as its market value dips below holdings' net asset value for the first time. - Leveraged debt ($47.5B) and falling BTC prices raise concerns about a "death spiral," though analysts suggest forced sales are unlikely until 2027. - Saylor's bullish stance contrasts with market jitters, as corporate

Bitget-RWA•2025/11/15 19:24

Bitcoin Updates: Corporate Bitcoin Holdings Transform Crypto Industry While MicroStrategy Stands Strong Amid Market Fluctuations

Bitcoin Updates: Harvard’s Investment in Bitcoin Challenges Previous Doubts as More Institutions Join

- Harvard University tripled its Bitcoin stake in IBIT, now holding $442.8M in the ETF, making it the fund's 16th-largest holder. - The move defies past skepticism from Harvard economists like Kenneth Rogoff, who once predicted Bitcoin would fall to "$100 rather than $100,000". - Institutional adoption grows as Abu Dhabi's Al Warda and Emory University also boosted Bitcoin ETF holdings, despite recent market volatility and outflows. - Harvard's 0.6% Bitcoin allocation in its $57B portfolio highlights crypt

Bitget-RWA•2025/11/15 19:11

Bitcoin Updates: Harvard’s Investment in Bitcoin Challenges Previous Doubts as More Institutions Join

Bitcoin Updates: Bitcoin Drops, Harvard's $364 Million ETF Investment Shows Institutional Commitment

- Harvard University increased its BlackRock IBIT Bitcoin ETF stake by 257% to $364.4M, becoming a top institutional holder. - The $50B endowment also doubled gold ETF holdings, treating both assets as inflation hedges amid macroeconomic uncertainty. - Emory and Abu Dhabi's Al Warda similarly boosted crypto-linked ETFs, signaling institutional confidence in regulated digital assets. - Analysts highlight Harvard's ETF adoption as rare validation, with U.S. spot Bitcoin ETFs attracting $60.8B in inflows sinc

Bitget-RWA•2025/11/15 19:11

Bitcoin Updates: Bitcoin Drops, Harvard's $364 Million ETF Investment Shows Institutional Commitment

Astar 2.0's Tactical Rollout and Its Impact on DeFi Advancements

- Astar 2.0 introduces institutional-grade DeFi architecture with 6-second block times and 150,000 TPS via Polkadot's async protocol. - Cross-chain interoperability with LayerZero/CCIP enables seamless asset transfers across Ethereum , BSC, and Polkadot ecosystems. - Strategic partnerships with Mizuho Bank, Casio, and Japan Airlines demonstrate real-world applications in CBDCs, logistics, and digital rewards. - $3.16M institutional ASTR purchase and 20% QoQ wallet growth highlight growing confidence in its

Bitget-RWA•2025/11/15 19:08