为租客创造财富和储蓄机会

More than half of Black and Latino households, respectively, rent their homes—compared to about a quarter of white households. Because economic stability helps create positive conditions for health and wellbeing, turning rent into wealth can help improve health and racial equity. 

A $5 million investment by the Robert Wood Johnson Foundation (RWJF) to Enterprise Community Partners’ Renter Wealth Creation Fund (“the Fund”) will help provide renters in multifamily buildings with wealth-creating and savings opportunities that traditionally have been limited to homeowners. The Fund’s innovative model seeks to allow renters—roughly half of whom are expected to be Black and Latino renters—to earn monthly cash-back payments and a portion of the future property appreciation over the long term. The Renter Wealth Creation Fund also aims to preserve and improve 7,000 rental homes nationwide, potentially leading to greater wealth and housing stability for residents.

Why It Was Needed

Research shows that, as of 2019, the average wealth of renters was less than 10 percent than that of homeowners in the U.S.—every dollar of rent goes to the landlord, who accrues wealth as the value of the property increases. With rent and living costs on the rise, renters with low and moderate incomes may find it even more challenging to afford housing or to accumulate savings.  

How It Works

The Renter Wealth Creation Fund will acquire and improve multifamily rental apartment buildings to offer affordable housing for individuals and families with low and moderate incomes.  

Designed to benefit renter and investor alike, the Fund changes how profits are distributed. Three initiatives underlie the Fund’s strategy: 

• Cash Back: Every month, renters can receive cash back for various actions, such as paying their rent on time. 
• Resident Services: Each property in which the Fund invests will feature community services tailored to residents’ needs. 
• Shared Appreciation: Long-term residents may benefit from the increase in value and future sale of the properties they rent by sharing profits with the Fund. If the properties thrive and appreciate, this approach will help these residents build wealth without the same risks and upfront costs of homeownership. 

About the Renter Wealth Creation Fund

The Renter Wealth Creation Fund is sponsored by Enterprise Community Investment, Inc., an affiliate of Enterprise Community Partners, Inc. (“Enterprise”), one of the largest community development organizations in the country. Enterprise’s mission is to make home and community places of pride, power, and belonging, and platforms for resilience and upward mobility for all. Since 1982, working with private and public partners, Enterprise has raised and invested more than $54 billion in equity, grants, and loans to help build or preserve 873,000 affordable homes.

 

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关于本次投资

拥有住房可能是建立家庭和代际财富的关键，但对于许多租房者来说是无法实现的:与抵押贷款支付不同，租金传统上不会为租房者创造股本。超过一半黑人和拉丁裔家庭的比例分别为25%，而白人家庭的这一比例约为四分之一。因为经济稳定有助于为健康和幸福创造积极的条件，将租金转化为财富有助于改善健康和种族平等。

由罗伯特·伍德·约翰逊基金会(RWJF)向企业社区合作伙伴投资500万美元”租客财富创造基金(“基金”)将有助于为多户型建筑的租户提供创造财富和储蓄的机会，而这些机会传统上仅限于房主。该基金的创新模式旨在让租房者(预计约有一半是黑人和拉丁裔租房者)每月获得现金返还，并在长期内获得未来房产增值的一部分。租户财富创造基金还旨在保护和改善全国7000套租赁房屋，为居民带来更大的财富和住房稳定。

为什么需要它

研究显示，截至2019年，租房者的平均财富为不到10%每一美元的租金都归房东所有，随着房产价值的增加，房东的财富也在增加。随着房租和生活成本的上涨，低收入和中等收入的租房者可能会发现负担住房或积累储蓄更具挑战性。

工作原理

租户财富创造基金将收购和改善多户租赁公寓，为低收入和中等收入的个人和家庭提供负担得起的住房。

该基金旨在使租客和投资者都受益，改变了利润的分配方式。基金战略的基础是三项倡议:

• 现金返还:每个月，租客都可以因为按时交房租等行为获得现金回馈。
• 居民服务:基金投资的每一个物业，都会提供切合居民需要的社区服务。
• 共同欣赏:长期居民可透过与基金分享利润，从所租物业的增值及日后出售中获益。如果房产繁荣并升值，这种方法将帮助这些居民积累财富，而无需承担买房的风险和前期成本。

关于租客财富创造基金

的租客财富创造基金由企业社区投资公司(Enterprise Community Investment, Inc.)赞助，该公司是美国最大的社区发展组织之一企业社区伙伴公司(“企业”)的附属机构。Enterprise的使命是让家和社区成为自豪、力量和归属感的地方，成为所有人恢复力和向上流动的平台。自1982年以来，企业与私人和公共伙伴合作，筹集并投资了超过540亿美元的股权、赠款和贷款，帮助建造或保护87.3万套经济适用房。