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        千禧一代掀起了房地產熱潮

        來源:可可英語 編輯:Daisy ?  可可英語APP下載 |  可可官方微信:ikekenet
          


        掃描二維碼進行跟讀打分訓練

        Finance and economics

        財經板塊

        House Prices: Coming of age

        房價:到年齡了

        Millennials are stoking the property boom at last

        千禧一代終于掀起了房地產熱潮

        Home ownership had long been a distant dream for many millennials.

        對許多千禧一代來說,擁有住房一直是一個遙遠的夢想。

        But after years of putting off marriage, delaying parenthood and battling student debt, the so-called Generation Rent is at last emerging as a big driver of the housing boom in the rich world.

        但是,在推遲結婚、推遲生育、糾纏于學生債務多年之后,所謂的“租房一代”終于成為富裕國家房地產繁榮的一大推動力。

        Typically defined as those born between 1981 and 1996, millennials make up the largest generation ever in America. As more of them reach their peak buying years, they are becoming a force to be reckoned with in the property market.

        千禧一代通常是指出生于1981年至1996年之間的人,是美國有史以來人數最多的一代。隨著他們中越來越多的人達到購房高峰期,他們正成為房地產市場中一股不可忽視的力量。

        In America they represent the fastest-growing segment of buyers and have accounted for more than half of all mortgage applications over the past two years.

        在美國,他們是增長最快的買家群體,在過去的兩年里,他們占據所有抵押貸款申請的一半以上。

        CoreLogic, a research firm, estimates that millennial homebuying was responsible for more than 60% of property-sales growth in 2020. British millennials are now more likely to own their home than to rent. And nearly half of adults aged 25-35 in Canada have bought property.

        研究公司CoreLogic估計,千禧一代的購房對2020年房地產銷售增長的貢獻超過60%。英國的千禧一代現在更可能購買屬于自己的房子,而不是租房。在加拿大,25-35歲的成年人中有近一半已經購買了房產。

        More millennials will reach the age of 32, the median age for first-time buyers, over the next two years than ever before.

        未來兩年,將有更多的千禧一代達到32歲,這是首次購房者的中值年齡。

        If the additional demand is to be satisfied American builders will need to construct as many as 2m houses each year, according to Jefferies, an investment bank. That compares with housing starts of 1.6m in 2021.

        根據投資銀行Jefferies的說法,如果要滿足這些額外的需求,美國的建筑商每年將需要建造多達200萬套房屋。相比之下,2021年新屋開工數為160萬套。

        But the homebuying frenzy reflects more than millennials simply getting older. Following lockdowns and other sweeping changes to daily life during the pandemic, a growing number of millennials want larger family homes with more dedicated office space for remote work.

        但購房狂潮不僅僅反映了千禧一代的成長。隨著疫情期間的封鎖和日常生活的其他全面變化,越來越多的千禧一代希望擁有更大的家庭住宅,擁有更專用的辦公空間,以便遠程工作。

        Those who already own property are trading up for more space. This, in addition to stamp-duty tax cuts, helped push the number of first-time buyers in Britain to its highest level in nearly two decades in 2021.

        那些已經擁有房產的人正在交易,購買更大的房子。這一舉措,加上印花稅的削減,推動了英國的首次購房者數量在2021年達到近20年來的最高水平。

        Some have brought forward plans to buy. In America nearly a third of young adults polled by Clever Real Estate, a property firm, said that covid-19 had nudged them into house-hunting earlier than planned.

        一些人已經有了購買計劃。在美國,接受房地產公司Clever Real Estate調查的近三分之一的年輕人表示,新冠肺炎讓他們比計劃提前開始看房。

        The millennial push is reshaping property markets. For one thing, millennials are swapping flats for family homes. The vast majority of young buyers in America bought a single-family home in 2021. Many are also leaving cities, or trading expensive areas for cheaper ones.

        千禧一代的這一舉措正在重塑房地產市場。首先,千禧一代正在用公寓置換自己的房子。美國絕大多數年輕買家在2021年購買了一套獨棟住宅。許多人也在離開城市,或者從昂貴的地區搬向便宜的地區。

        Young adults are less tied to London, says Lucian Cook of Savills, a property firm. The number of millennials in Britain’s smaller cities, such as Manchester, Glasgow, Edinburgh and Bristol, is growing far more quickly than that in the Big Smoke.

        來自房產公司Savills的盧西恩·庫克表示,年輕的成年人對倫敦的向往降低了。在曼徹斯特、格拉斯哥、愛丁堡和布里斯托爾等英國小城市,千禧一代的人數增長速度遠遠快于大城市。

        Remote work is also opening up more affordable places to live. In America buyers are flocking to sunbelt hotspots, like Phoenix and Tampa.

        遠程工作也為人們提供了更多負擔得起的居住場所。在美國,買家正蜂擁至陽光地帶的熱點地區,如鳳凰城和坦帕。

        Zillow, a property firm, estimates that a typical renter in San Francisco would have to set aside 2.4% of their income for six or seven years to save enough for a 20% deposit on a starter home in Austin or Phoenix. For a similar property in San Francisco they would have to save for more than 70 years.

        房地產公司Zillow估計,舊金山的一般租房者必須在六到七年的時間里,將收入的2.4%存起來,才能為奧斯丁或鳳凰城的首套房存夠20%的首付。但在舊金山買一套類似的房產,他們得存上70多年。

        Will millennial home ownership continue to power the market? The growing number of millennials entering their buying years will keep momentum going, and flexible work could continue to make cheaper areas more attractive.

        千禧一代的自有住房會繼續推動這個市場嗎?越來越多的千禧一代到達購房年齡,這一勢頭將繼續保持下去,而靈活的工作時間可能會繼續讓更便宜的地區更具吸引力。

        The question is what happens to affordability. Interest rates in many places are going up: the Federal Reserve expects to raise rates six more times this year. That could cool demand and increase mortgage-servicing costs.

        問題是人們的負擔能力會發生什么變化。許多地方的利率都在上升:美聯儲預計今年將再加息六次。這可能會降低需求,增加抵押貸款服務的成本。

        Rising interest rates in the 1980s, for instance, depressed housing markets just as baby-boomers reached their peak buying years. The difference now, though, is that rates are low by historical standards and expected to rise only gradually.

        例如,上世紀80年代,當嬰兒潮一代達到購房高峰期時,利率的上升導致了房地產市場的蕭條。然而,現在的不同之處在于,從歷史的角度來衡量,現在的利率還比較低,而且預計只會逐漸提高。

        Severe constraints on housing supply, however, may mean that affordability remains strained. Shortages of labour and materials will make it harder for builders to put new homes on the market.

        然而,住房供應的嚴重限制可能意味著人們的負擔能力仍然吃緊。勞動力和材料的短缺會讓建筑商更難將新房投放市場。

        Record-low inventory and fierce bidding wars could mean fewer homes to choose from. For some millennials, the dream of home ownership may still prove out of reach.

        創下新低的房產庫存和激烈的競購戰意味著房屋選擇越來越少。對某些千禧一代來說,擁有住房的夢想可能仍然遙不可及。

        Correction: In last week's story on windfall taxes, article Power Grab, we said that America's tax on oil producers was implemented in 1986. In fact, it began in 1980. Sorry!

        糾錯:在上周的“意外利潤稅:爭奪權力”的文章中,我們說美國在1986年對石油生產商征稅,事實上,它從1980年就開始了。抱歉!

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