Carthage College, 2001 Alford Park Drive, Kenosha, WI 53140, USA.
Brown University, Box G-S121-6, Providence, RI 02912, USA.
Public Health. 2014 Mar;128(3):239-45. doi: 10.1016/j.puhe.2013.12.012. Epub 2014 Feb 13.
While homeownership is generally viewed as good for society, the consequences of the concomitant mortgage debt have not been well examined. This study investigates the role of mortgage debt as a moderator in the relationship between unemployment and health.
A cross-sectional analysis of a representative sample of US homeowners aged 38-46 surveyed in 1998-2006.
Subjects were 3667 adults living in owned homes aged 38-46 who reported being either employed or unemployed. Logistic models were performed using maximum likelihood estimation to estimate the relative risk of self-reporting fair or poor health with regard to employment status and how employment status interacted with mortgage status.
Among homeowners, being unemployed for more than 13 weeks with a mortgage is associated with a higher likelihood of reporting fair or poor health (odds ratio 2.38, 95% confidence interval 1.28-4.45). Being unemployed for more than 13 weeks with a mortgage loan that is more than 80% of the value of the home is associated with a greater likelihood of reporting fair or poor health (odds ratio 8.99, 95% confidence interval 2.50-32.29).
Among homeowners, mortgage debt increases the association between unemployment and poor health. In an economy where periods of high unemployment are likely to coincide with periods of falling home prices, homeowners may find themselves unemployed just when their homes lose value, intensifying financial stress.
虽然人们普遍认为拥有住房对社会有益，但同时伴随而来的抵押贷款债务的后果尚未得到充分研究。本研究调查了抵押贷款债务作为失业与健康之间关系的调节因素的作用。
对 1998-2006 年期间接受调查的 38-46 岁美国房主的代表性样本进行的横断面分析。
研究对象为 3667 名居住在自有住房中、年龄在 38-46 岁的成年人，他们报告自己处于就业或失业状态。使用最大似然估计对数模型来估计与就业状况有关的自我报告健康状况良好或较差的相对风险，以及就业状况与抵押贷款状况之间的相互作用。
在房主中，拥有抵押贷款且失业超过 13 周与报告健康状况良好或较差的可能性较高相关（优势比 2.38，95%置信区间 1.28-4.45）。拥有抵押贷款且失业超过 13 周，且抵押贷款超过房屋价值的 80%，与报告健康状况良好或较差的可能性较大相关（优势比 8.99，95%置信区间 2.50-32.29）。
在房主中，抵押贷款债务增加了失业与健康状况不佳之间的关联。在一个失业率高的时期可能与房价下跌的时期相吻合的经济环境中，房主可能会发现自己在房屋贬值时失业，从而加剧财务压力。
