We construct matched panel data sets of adult children with their parents to study the role of lagged parental attributes on subsequent home ownership decisions between 2000 and 2012. Earlier research has demonstrated intergenerational wealth transfers from parents to children are an important source of upfront equity used to purchase a first home, although parental attributes are often omitted as determinants of tenure due to data limitations. A significant role is found for lagged parental wealth on the ability of adult children to become and remain home owners over this period. Endowed differences in parental wealth are estimated to account for the largest explainable share of the white/non‐white gap in becoming a homeowner, and maintaining home ownership once attained.

中文翻译：

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父母对孩子的房屋所有权体验的作用：健康和退休研究的证据

我们构建了成年子女及其父母的匹配面板数据集，以研究滞后的父母属性在随后的2000年至2012年之间的房屋所有权决策中的作用。早期的研究表明，代际财富从父母向孩子的转移是过去的先期资产净值的重要来源。购买第一套房子，尽管由于数据限制，父母的属性通常不会作为任期的决定因素。滞后的父母财富对于在此期间成年子女成为并保持房主的能力具有重要作用。估计父母财产的赋差异是成为房主并在获得房主所有权后白人/非白人差距最大的可解释部分。