There are several reasons why people might be held back from buying a house this year, and high car payments, not having enough credit trade lines, and not enough work history are three common ones.

High car payments can be a major obstacle to saving for a down payment on a house. If someone is already paying a significant amount each month for a car loan, they may not have enough money left over to save for a down payment, cover closing costs, or make mortgage payments. This can make it challenging to meet the financial requirements of buying a house.

Another factor that can make it difficult to buy a house is not having enough credit trade lines. This means that the person doesn't have enough lines of credit or credit history to demonstrate to lenders that they are a responsible borrower. Lenders use credit scores and credit history to assess the risk of lending to someone, and if the person has limited credit history, they may be viewed as a higher risk, which can make it harder to qualify for a mortgage.

Finally, not having enough work history can also be a barrier to buying a house. Lenders typically look for a steady employment history, and if someone has only recently started a job or has a spotty work history, it can be challenging to show the income stability and consistency needed to qualify for a mortgage.

Overall, these factors can make it challenging for people to qualify for a mortgage and buy a house. It's important to work on improving credit scores, paying off debts, and building a steady work history to overcome these obstacles and achieve the dream of homeownership