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经济学人:首尔住房(2)

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  • The government's caps on mortgage availability have hit first-time buyers, particularly those looking to buy in affluent areas.
  • 政府对获得贷款的限制打击了首次购房者,尤其是那些希望在富裕地区购房的人。
  • The government says it wants to help "end-users" of apartments and punish "speculators",
  • 政府表示希望帮助公寓“终端用户”,处罚“投机者”,
  • says Song In-ho of the Korea Development Institute, a think-tank. But its attempts to deter the latter have also hurt the former.
  • 智囊团韩国发展研究院的Song In-ho说到。但其阻止后者的努力也伤害了前者。
  • The discontent is exacerbated by the peculiarities of the rental market. Two-fifths of people living in Seoul own their homes; the rest are tenants.
  • 租赁市场的独特性加剧了这种不满。首尔五分之二的人拥有自己的房屋,剩下的都是租客。
  • Because South Koreans tend to invest the bulk of their savings in property,
  • 因为韩国人倾向于将大部分储蓄投资于房地产,
  • four-fifths of landlords are other private households rather than corporations or public institutions,
  • 五分之四的房东都是其他私人户主,而不是房产公司或公共机构,
  • compared with nearly two-thirds in Japan and just over half in Britain.
  • 日本的这一比例将近三分之二,应该略高于二分之一。
  • Roughly half of all tenancies are based on a unique system known as jeonse, or "key money".
  • 大约有一半的租约是基于一种独特的系统,称为长期租约,或“关键钱”。
  • Under a jeonse contract, the tenant pays the landlord a deposit of between 60% and 80% of the purchase price to live rent-free for two years.
  • 根据长期租约,租户需要房东支付购房价格60%至80%的押金,以换取两年的免租金生活。
  • The deposits have helped landlords finance further property purchases.
  • 这笔押金为房东进一步购买房产提供了资金。
  • But they make it hard for anyone without the savings to find anywhere affordable to live, even if they rent.
  • 但对于没有积蓄的人来说,即使他们租房,也很难找到能负担得起的地方居住。
  • Seoul may seem cheaper than cities such as London or Hong Kong when prices are compared to incomes. But it is less affordable than it looks.
  • 从房价与收入的比较来看,首尔似乎比伦敦或香港等城市要便宜。但并没有看上去的那么容易负担。
  • There are other strains. Household debt is high, having risen rapidly in the past.
  • 还有其他压力。家庭债务很高,在过去增长迅速。
  • "The economy as a whole is far too exposed to the property market," reckons Hahm Joon-ho,
  • Hahm Joon-ho认为,“整体经济受房地产市场影响较大,”
  • a former member of the Bank of Korea's monetary-policy board now at Yonsei University in Seoul. "If prices fell suddenly, it would be very bad."
  • 他是曾是韩国央行货币政策委员会的成员,现就职于首尔延世大学。“如果房价突然下跌,将会造成严重后果。”
  • In the short term, then, the government's inability to bring down prices may be no bad thing.
  • 在短期内,政府没能力降低房价或许不是件坏事。
  • No one wants to see a sudden house-price crash at a time when the economy is already suffering a pandemic-induced slowdown.
  • 经济已经遭受了疫情导致的放缓,此时,没人希望看到房价突然崩溃。
  • The economic fallout from the virus could curtail household incomes.
  • 疫情对经济的影响可能会缩减家庭收入。
  • That might delay the economic recovery as people cut back on their spending in order to service their loans, although interest-rate cuts should provide some relief.
  • 这可能会推迟经济复苏,因为人们会削减支出以偿还贷款,尽管减息应该会起到一定的缓解作用。
  • In the longer term, though, the problem of affordability will have to be dealt with.
  • 不过,从长期来看,负担能力的问题必须得到解决。
  • Increasing supply is likely to be a much more promising way of bringing house prices down than intricate policy interventions, says Mr Hahm.
  • 相比错综复杂的政策干预手段,增加供应可能是一种更有效的降低房价的方法,Hahm说到。
  • There is no sign that Seoul will become less attractive as a place to live, or that prospective homeowners will become less exacting in their tastes.
  • 没有迹象表明,首尔作为一个居住地的吸引力将会减弱,也没有迹象表明未来的房主将会在品味上变得不那么挑剔。
  • "More and more people want to live in high-quality apartments. Seoul does not have enough of those—and so we need to build more."
  • “越来越多的人想要住在高品质公寓中。首尔没有充足的高质量公寓——因此,我们需要建造更多。”


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1.affluent 富裕的

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Cigarette smoking used to be commoner among affluent people.
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2.curtail 缩减

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NATO plans to curtail the number of troops being sent to the region.
北约计划缩减派往该地区的士兵数量!7Ac=wjpw4M=q=Ho

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deter [di'tə:]

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vt. 阻止,抑制,威吓

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unique [ju:'ni:k]

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adj. 独一无二的,独特的,稀罕的

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intricate ['intrikit]

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adj. 复杂的,难懂的

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curtail [kə:'teil]

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vt. 缩减,削减,截短

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contract ['kɔntrækt,kən'trækt]

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n. 合同,契约,婚约,合约
v. 订合同,缩

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virus ['vaiərəs]

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n. 病毒,病原体

 
mortgage ['mɔ:gidʒ]

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n. 按揭,抵押贷款
vt. 抵押

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discontent [diskən'tent]

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adj. 不满的
v.

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institute ['institju:t]

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n. 学会,学院,协会
vt. 创立,开始,制

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property ['prɔpəti]

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n. 财产,所有物,性质,地产,道具

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