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经济学人精读节选100篇Is your rent ever going to fall? 你的房租会下降吗

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本期选文来源:The Economist|International May 29th 2024 ,需要经济学人原版PDF|全文中英翻译|MP3|大家下拉至文末下载|也可以自助开通本站会员后加入专属QQ社群获取全文文档PDF中英翻译PDF,MOBI,EPUB,AZW3等多种格式。
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【1】Too often politicians tout awful solutions for helping tenants.

单词解析:tenant:n.租户;房客;佃户

例句:Parts of the building are leased out to tenants.
这栋大楼有一部分租出去了。

政客们经常吹捧帮助租户的糟糕解决方案

【2】An entire generation of tenants is tearing its hair out. Across the rich world—from America to New Zealand—millions spend more than a third of their disposable income on rent. The squeeze extends from social democracies that prize strong tenancy rights to Anglophone countries that prefer homeownership—and it is mostly getting worse. The good news for anxious renters is that they are gaining a louder voice as their numbers swell. The badnews is that campaigners and politicians mostly focus on the wrong kinds of solutions to their woes.

单词解析:woe:n.问题;悲哀;痛苦;困

例句:Thanks for listening to my woes.
谢谢您听我诉说不幸的遭遇。

整整一代租户正在扯掉它的头发。在富裕国家——从美国到新西兰——数百万人将超过三分之一的可支配收入用于房租。这种挤压从重视强大租赁权的社会民主国家延伸到更喜欢房屋所有权的英语国家——而且情况大多在恶化。对于焦虑的租房者来说,好消息是,随着人数的增加,他们的声音越来越大。坏消息是,活动家和政客们大多关注的是解决他们困境的错误方法。

【3】The 20th century saw an astonishing rise in homeownership. In 1920 about 20% of Britons owned their own home; by 2000, 70% did. Many Anglophone countries followed a similar path. Even in countries less attached to the idea of owning, private renting became less common after a boom in social housing.

20世纪见证了房屋所有权的惊人增长。1920年,大约20%的英国人拥有自己的房屋;到2000年,70%的人这样做了。许多英语国家也走上了类似的道路。即使在不太重视拥有想法的国家,在社会住房繁荣之后,私人租房也变得不那么普遍了。

【4】The story in the 21st century has been different. Rod Hick of Cardiff University in Wales calculates that in countries such as Britain, Denmark, Ireland, New Zealand and Spain, homeownership rates fell by ten percentage points in the decade or so to 2018. Data on renting are patchy. But figures from the OECD, a club of rich countries, show that there has been a shift towards renting in most wealthy countries since 2010 (see chart 1). A bigger

private-rented sector is probably here to stay, predicts Peter Kemp of Britain’s Oxford University.

单词解析:private-rented:私人租赁

例句:The recent survey found that 20 per cent of private-rented dwellings are unfit for human habitation
最近的调查发现,20%的私人租住房屋并不适合人居住

21世纪的情况有所不同。威尔士卡迪夫大学(Cardiff University)的罗德·希克(Rod Hick)计算出,在英国、丹麦、爱尔兰、新西兰和西班牙等国家,截至2018年的十年左右时间里,住房拥有率下降了10个百分点。租房数据参差不齐。但经济合作与发展组织(OECD)的数据显示,自2010年以来,大多数富裕国家都出现了向租房的转变(见图1)。一个更大的私人租赁部门可能会继续存在,英国牛津大学的彼得·坎普(PeterKemp)预测。

【5】One of the most dramatic shifts has been in Britain. A fifth of the population now rent privately, up from a tenth in the early 2000s—an increase of more than 6m renters. It was a British

bank, Halifax, that coined the term “generation rent” in 2011.But British millennials, born between 1981 and 1996, were not special. A sagging jobs market, high house prices, rising rents

and tighter mortgage rules left many youngsters less able to afford a first property.

单词解析:mortgage:n.抵押贷款

例句:We’re mortgaged up to the hilt.
我们已经把什么都抵押了。

 

最戏剧性的转变之一发生在英国。现在有五分之一的人口私人租房,高于2000年代初的十分之一,增加了超过600万租房者。2011年,英国哈利法克斯银行(Halifax)创造了“世代租金”一词。但出生于1981年至1996年之间的英国千禧一代并不特别。低迷的就业市场、高房价、不断上涨的租金和更严格的抵押贷款规定使许多年轻人负担不起第一套房产。

【6】Employment and housing pressures have eased somewhat. Generation Z, which includes those born between 1997 and 2012, is now earning much more than millennials did at the same age. Cooling

housing markets may be helping some millennials get their first set of keys, albeit often with the help of mum and dad. But others remain stuck. In Britain half of renters are now over 35.

What was seen in many places as the sector for the young and footloose is increasingly home to families and the elderly. Politicians are beginning to fret about a coming wave of retired renters.

就业和住房压力有所缓解。Z世代,包括1997年至2012年出生的人,现在的收入远远超过同龄的千禧一代。房地产市场降温可能会帮助一些千禧一代获得他们的第一把钥匙,尽管通常是在爸爸妈妈的帮助下。但其他人仍然陷入困境。在英国,一半的租房者现在超过35岁。在许多地方,年轻人和脚踏实地的部门越来越多地成为家庭和老年人的家。政客们开始担心即将到来的退休租房者浪潮。

【7】Rents have risen particularly sharply in the past three years, fuelled by workers returning to cities after the pandemic and by wages rising even as the supply of properties remains

constrained. High interest rates have crimped already inadequate levels of building. Housing starts in Sweden were down by 50% in the first quarter of 2023. And lending rules remain tight.

在过去三年中,租金上涨尤为明显,原因是工人在大流行后返回城市,以及尽管房地产供应仍然受到限制,但工资仍在上涨。高利率已经压垮了本已不足的建筑水平。2023 年第一季度,瑞典的新屋开工量下降了 50%。贷款规则仍然很严格。

【8】Some tenants complain about insecurity and grotty conditions.But the biggest problem, particularly for those on low incomes, is affordability. The definition of “unaffordable” is open to

debate, but the OECD and others commonly focus on housing that accounts for more than 30% of gross income or, alternatively, 40% of disposable income (ie, income after tax and social

security charges). In 2022 almost half of American households in the private-rental sector were being charged more than 30% of gross income, according to the Joint Centre for Housing Studies

at Harvard University in America. That was the highest level on record—and up by 2m in three years. Across the rich world, rents at 40% or more of disposable income are common (see chart2). And those data miss large black markets—where sublets do not comply with regulations—in countries such as Sweden and Germany.

单词解析:alternatively:adv.(引出第二种选择或可能的建议)要不,或者

例句:Alternatively, the value can be specified as body content of the
或者,可以将该值指定为

一些租户抱怨不安全和肮脏的条件。但最大的问题,特别是对那些低收入的人来说,是负担能力。“负担不起”的定义有待商榷,但经合组织和其他机构通常关注占总收入30%以上或可支配收入40%以上的住房入和社会保障费用)。根据美国哈佛大学住房研究中心的数据,2022年,近一半的美国私人租赁家庭被收取的费用超过总收入的 30%。这是有记录以来的最高水平,三年内上升了200万。在富裕国家,租金占可支配收入的40%或更多是很常见的(见图2)。这些数据遗漏了瑞典和德国等国的大型黑市——转租不符合法规。

【9】High rents do not just lighten people’s wallets. A dysfunctional rental market can make it harder for those on low incomes to get good jobs. Stockholm’s metro is part of one of the best public-transport networks in the world. Yet one in fivebusinesses says high costs and a shortage of affordable housing make it difficult to hire young workers. Lucas Persson, a 28- year-old who works at a think-tank, says many of his friends

have considered leaving the city. Spotify, a Swedish music streaming business, has called the broken rental market a barrier to expansion.

单词解析:dysfunctional:adj.功能失调;功能障碍的;机能失调的

例句:The result is a dysfunctional global industry.
结果就是一个机能失调的全球产业。

高昂的租金不仅减轻了人们的钱包。功能失调的租赁市场会使低收入者更难找到好工作。斯德哥尔摩的地铁是世界上最好的公共交通网络之一。然而,五分之一的企业表示,高昂的成本和经济适用房的短缺使得雇用年轻工人变得困难。28岁的卢卡斯·佩尔森(Lucas Persson)在一家智库工作,他说他的许多朋友都考虑过离开这座城市。瑞典音乐流媒体公司Spotify称,破碎的租赁市场是扩张的障碍。
本文档由:DeepL Pro翻译|原文True PDF 本期选文来源:The Economist|International May 29th 2024

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