各国网友讨论：中国新房成交量中七成为二套房或三套房 [美国媒体]

70% of new home purchases in China aresecond or third homes for the buyer

中国新房成交量中七成为二套房或三套房



（译注：黑色——首套房；红色——二套房；蓝色——三套房）

[–]air_taxi
How is that compared to other countries? Orfor other countries relative to their economy's position in the cycle

与其他国家相比如何？或者其他国家相对于其经济在周期中的地位相比呢

[–]f1ndnewp
Its not too bad comparatively. I've readthat in Sweden mortgages can be taken out for 100 years out, with the ownersonly paying the interest and their kids inheriting the property with themortgage. Any Swedes wanna chip in? In Canada where I'm at the only people Iknow buying homes are existing home owners or people who've had help from the bankof mom and dad. Somewhat similar situation it seems

相对来说还不算太坏。我读到过，在瑞典，抵押贷款可以持续100年，房主只支付利息，他们的孩子用抵押贷款继承财产。有瑞典人想凑钱吗？在加拿大，我所知道的唯一买房子的人是现有的房主或者从父母银行得到帮助的人。情况似乎有些相似



[–]Koric5733
Do you have a link to the fallingpopulation? Is the population falling for the next 70 years a prediction basedon birth rate trends?

你有人口下降的链接吗？未来70年的人口下降是基于出生率趋势的预测吗

[–]Reigningchamp4eva
It’s based on projections, yes, butvirtually 0 scenario has China not falling off a cliff. In fact, so farprojections have been overly optimistic. People thought more people would havekids with the end of the 1 child policy but it was just a blip. Allowing >2children seems useless.
The damage has been done if you look at thedemographics.
Women >45 just aren’t going to be having(healthy) kids if they manage to have kids at all.

没错，这是基于预测，但即使中国人口没有跌落悬崖，也几乎会是零增长。事实上，到目前为止的预测过于乐观。人们认为随着独生子女政策的结束会有更多的人要孩子，但这只是一个暂时现象。允许>2个孩子似乎没有用。
如果你看一下人口统计数据，会发现损害已经造成。
45岁以上的女性如果想要孩子的话，她们的孩子就不健康了。

[–]missedthecue[S]
That is essentially just renting your homefrom a bank. The China story is a rather different. Swedes aren't buildingcities (with debt) for no other purpose than to sell to speculators

也就是从银行租房子。中国的情况则大不相同。瑞典人（负债）搞城建不是为了其他目的，而是为了卖给投机者

[–]Tresher
Used to be that you only needed to pay theinterest of your house loan in sweden. That is not the case today, you can onlyget a house loan for 85% of the cost, the remaining 15% needs to be financed onyour own. You'll have to pay off 2% a year of your loan until you come down to70%, then you only need to pay 1% a year until your loan is at 50% of theamount you bought the house for. Tough to enter the housing market for usrenters...

过去在瑞典，你只需要支付房屋贷款的利息。今天的情况不是这样，你只能以85%的成本获得房屋贷款，剩下的15%需要你自己融资。你需要每年支付2%的贷款直到你的利率降到70%，然后你只需要每年支付1%直到你的贷款是你买房子的50%，对美国租房者来说，进入房地产市场很困难……



[–]jfreez
You can only do that so much before thepeople have enough. It's a human cost/crisis rather than a financial one. And justlike the comment you replied to said of economics, the same is true ofgoverning: you might be able to head off a political crisis in one avenue, butit is likely to have unintended consequences in another, and lead to a crisisthere.

在人们拥有足够的钱之前，你只能做这么多。这是人力成本/危机，而不是财务危机。正如你回答对经济学的评论，治理也是如此：你或许能够在一条道路上阻止一场政治危机，但在另一条道路上，它很可能产生意想不到的后果，并导致那里的危机。

[–]JDizzle69
No, In America the government "canonly do so much to support", in China the government can do whatever thehell it wants.

不，在美国政府“只能提供这么多支持”，而在中国政府可以为所欲为。



[–]patssle
net worth tied to their home, as opposed toAmericans where it's closer to 25%.

他们的净资产与房产挂钩，而美国人的净资产只接近（总资产的）25%

[–]Bbombb
Where I live, that's normal. About a thirdof my dad's real estste clients are Chinese people who haven't even seen thehome and want to buy it cash. They are usually repeat customers as well.

在我住的地方，这很正常。我父亲的房地产大客户中，大约有三分之一是中国人，他们甚至没有看过房子，就想用现金买下来。他们通常也是回头客。

[–]w0nderbrad
I think most wealthy Chinese people arewary of the government and how they manipulate currency. So they buy a lot ofreal estate in China and in the US to kind of park their money in somethingsafer than a Chinese bank.

我认为大多数富有的中国人对政府和他们如何操纵货币持谨慎态度。所以他们在中国和美国买了很多房地产，以把钱放在比中国银行更安全的地方。



[–]Sno0oz3
Businesses - obviously from manufacturing,lendings, and commerce internationally. Plus asians are savers, I mean most ofthem are.

做生意——显然来自制造、借贷和国际商业。此外，亚洲人是储蓄者，我的意思是，他们中的大多数都是。

[–]charitybut
Yes, traditionally they had savings ratesover 50%, for comparison the us had savings rates anywhere from negative to 0%for a good while.

是的，传统上他们的储蓄率超过50%，相比之下，美国的储蓄率在很长一段时间内都从负到零。

[–]Sno0oz3
You know I was talking to a friend aboutthese rates and I looked into them quickly. Did you know that the governmenthas 'forced savings' where they take away some of your money and have it intoan account as 'your own'. Due to the government not having a pension type fundfor their people they force their citizens to save their meager salaries.
Then the government turns around and saysthat their savings rates are higher than most countries because their peopleare responsible. I would turn around and say have you seen asian people outsideof their country? They will be the first to tell you that they need status tooutdo their friends and relatives. Their first mentality is to look wealthy,buy brand names, get the best car you can get and not have any house furniture.Honestly, these savings rates kill me. Also those references are with the oldergeneration and not necessarily the younger generation who are being moreamericanized by the day.

你知道，我和一个朋友谈过这些利率，我很快地查了一下。你知不知道政府“强制储蓄”，把你的一些钱存到一个“你自己的”账户里。由于政府没有给他们的人民养老基金，他们迫使他们的公民节省他们微薄的工资。
然后政府转过身来，说他们的储蓄率比大多数国家都高，因为他们的人民有责任。我会转过身来说，你在国外见过亚洲人吗？他们会第一个告诉你，他们需要地位来超越他们的朋友和亲戚。他们的头号心态是看起来很富有，买名牌，买最好的车，没有任何家具。老实说，这些存款利率简直要了我的命。而且这些参考是针对年长的一代，而不一定是年轻的一代，后者现在越来越美国化。



[–]darkcloud8282
We sent all the manufacturing jobs overthere.. we gave them our money

我们把所有的制造业工作岗位都派到那里去了。我们把钱给了他们

[–]jellyrollo
How about three times more than theirequity in savings/investments? Many people who don't put a decent sized downpayment on their house spend a long time paying interest without building upmuch equity.

比他们储蓄/投资的净值多三倍怎么样？许多人不愿支付一笔高昂的首付，他们花了很长时间支付利息，却没有积累多少资产。

[–]helper543
No one I know who owns a home also hasthree times more than its value in stocks or cash or whatever.
Its not their home value but the equity intheir home. So for a $250k home and a $200k mortgage, they only have $50k inreal estate. If that person has 401k plus savings plus any other investmentstotal $150k, then they hit the 25%

我认识的人中，没有一个人的股票、现金或其他资产的价值是房子价值的三倍。
这不是他们的房屋价值，而是他们房屋的净值。对于25万美元的房子和20万美元的抵押贷款，他们只有5万美元的房地产。如果这个人有401k加上储蓄加上任何其他投资总计15万美元，那么他们就达到了25%



[–]AgAero
It has its niche.
3D printing in a lot of ways is a solutionlooking for a problem, and that's why you've been seeing it all over the placethe last few years. The thing you've linked would be more useful autonomouslybuilding a moon or mars base than it is here on the earth where conventionalconstruction is feasible and produces a better product.

它有自己的定位。
3D打印在很多方面都是一种寻找问题的解决方案，这就是为什么你在过去几年里到处都能看到它。你所连接的东西将会比在地球上建造一个月球或火星基地更有用，因为在地球上，传统的建造方法是可行的，而且能生产出更好的产品。

[–]dawgm4tic
What are you going on about? There isliterally a company that can 3D print a fully-functional house for $10,000, whoplan to bring that cost down to $4,000.
Your average Chinese or American consumermight be looking for a little more out of their homes, but to suggest that 3Dprinting technology won’t be utilized in home construction in the near futureis honestly laughable. With the ever-increasing costs of housing, somethinglike this could become a realistic option for many.

你在说什么？有一家公司可以用1万美元3D打印一套功能齐全的房子，这家公司计划将成本降至4000美元。
你们一般的中国或美国消费者可能希望从家里得到更多的东西，但要说3D打印技术在不久的将来不会被用于房屋建设，实在是太可笑了。随着住房成本的不断上升，对许多人来说，类似的事情可能成为一个现实的选择。

[–]ShadowJak
Hopefully 3D printing will change that.
You seem to have no idea what 3D printingis.

希望3D打印能改变这一点。
你似乎不知道什么是3 d打印。



[–]Saddoggieman
Be careful what you wish for. People whocan’t afford their mortgage usually also can’t afford repairs or maintence.

小心你的愿望。那些付不起抵押贷款的人通常也付不起维修或保养的费用。

[–]OutrageousCamel_
Haha just tear it down. The land cost 1Milby itself! When your looking at a mortgage like that, the extra 200-300K torebuild is almost nothing

哈哈，把它拆了就好。这块地本身就值一百万美元！当你看到这样的抵押贷款，额外的200-30万重建几乎是零

[–]Cleaver2000
It won't. The Chinese are definitely havingsome influence but Canadians also love their giant single detached homes on 30year mortgages or those who got in early and made a killing on speculation.Just because you and I aren't buying them, doesn't mean that others aren't. Iknow some people in their 50-60s who multiple properties which they sit onuntil they make the gains they want and then they sell and move the cash to acheaper market and do the same. Some of these are the parents of kids whom theywillingly gift house downpayments; and the cycle continues. Interest rateincreases will deflate it somewhat but until we take on speculation and alsothe NIMBYism which is restricting supply, there wont be affordable housing.

不会的。中国人肯定有一定的影响力，但加拿大人也喜欢他们的30年期抵押贷款的巨型独栋独栋住宅，或者那些早早进入市场、靠投机大赚一笔的人。你我不买，并不意味着其他人不买。我认识一些50-60岁的人，他们拥有多处房产，他们会一直持有，直到获得他们想要的收益，然后卖掉，把现金转移到一个更便宜的市场，做同样的事情。其中一些是孩子的父母，他们心甘情愿地把房子的首付款作为礼物送给孩子；这样的循环还在继续。加息将在一定程度上抑制房价上涨，但除非我们采取投机行为以及限制供应的邻避主义，否则就不会有负担得起的住房。



[–]timwilson402
They haven’t been 100k for decades. Maybedo some research into how expensive it is to build a house before you keeplooking ignorant.

他们超过10万已经有几十年了。也许在你看起来无知之前，做一些调查，看看建房子有多贵。

[–]cryptotrillionaire
Decades? Funny I bought mine for 120k fullyrenovated 14 years ago. My same home is now worth 400k. 14 years was not thatlong ago. The only ignorant one is you believing this over inflated housingbubble is normal. There were detached homes in the Okanagan selling for 70k atthat time.

几十年？有趣的是，14年前我花了12万美元买了一套完全翻新过的。我的房子现在值40万。14年不算多久。唯一无知的是，你认为这种过度膨胀的房地产泡沫是正常的。当时，奥卡那根的独立住宅售价为7万美元。

[–]timwilson402
Bullshit a house bought during thebeginning of the 2008 bubble was purchased for 140k and could now sell for 400.Your a shitty lier or extremely lucky. The price growth for real estate in thelast 40 years has been about 4% a year. So after inflation and selling costalmost everyone is losing money vs if they would have invested in the stockmarket. Houses are a shitty investment.

胡说，2008年泡沫初期买的房子，当初花了14万美元买来，现在可以卖40万。你不是撒了个弥天大谎就是太幸运了。在过去的40年里，房地产价格以每年4%的速度增长。因此，在通货膨胀和销售成本之后，几乎所有人都在赔钱，如果他们投资股市的话。房子是一项糟糕的投资。



[–]fanboy_killer
Something like 25% of all Chinese urbanhousing is vacant
There have already been riots by homeownerswhen prices fall.
What are they rioting about? Correct me ifI'm wrong, but if demand largely exceeds supply, aren't lower prices theexpected scenario?

“大约25%的中国城市住房空置”
房价下跌时，房主们已经发生了骚乱。
他们为什么闹事？如果我错了，请纠正我，但如果需求大大超过供应，价格下跌不是预期的情形吗？

[–]bluehat9
Riots from prices falling? Lol who are therioting against? Do they expect the government to prop up the market?

房价下跌引发骚乱?哈哈，骚乱是针对谁的？他们期望政府支持房地产市场吗？

[–]bfire123
On the other hand only about 60 % ofchinese live in cities while 80 % of the Us population lives in Cities.

另一方面，只有大约60%的中国人生活在城市，而80%的美国人生活在城市。



[–]sanman
I dunno - the real estate prices havealready been pumped up to unsustainable levels in China - when the bubblebursts those prices will drop. People will have less money, which isdeflationary by definition. I don't see how an inflationary effect wouldhappen.

我不知道——中国的房地产价格已经被推到了不可持续的水平——当泡沫破裂时，这些价格将会下跌。人们将拥有更少的钱，这是通缩的定义。我看不出通胀效应会如何发生。

[–]stenlis
At the height of the bubble they weretaking 100 year mortgages. They are still repaying them today as the bankruptcysystem is different than in the US. Also negative population growth and almostno incoming immigration means no recovery.

在泡沫最严重的时候，他们接受了100年期抵押贷款。由于破产体系与美国不同，它们目前仍在偿还债务。此外，人口负增长和几乎没有外来移民意味着没有复苏。

[–]Logan_Chicago
It was more than a decade. If you look atJapan's GDP growth post WWII it grew incredibiliy fast until about 1990 whereit then decreases until almost 2010. Japan's economy is just now recovering.
Why and how it happened is a topic ofdebate, but there was a huge run up in their stock and housing market alongwith systemic bad loans. It all crashed at and the government bailed everyoneout. Their debt to GDP ratio is now the highest in the world at 240%.

那是十多年前的事了。如果你看看日本二战后的GDP增长，它的增长速度快得令人难以置信，直到1990年左右，然后下降，直到2010年左右。日本经济刚刚开始复苏。
为什么会发生这种情况以及如何发生这种情况是一个有争议的话题，但它们的股票和房地产市场出现了大幅上涨，同时出现了系统性的不良贷款。一切都崩溃了，政府拯救了所有人。他们的债务占GDP的比例现在是世界上最高的，达到240%。



[–]duhhobo
Unless people move away from the city,won't rent stay the same? Technically if those investment properties sell toowner occupied, there would be even less supply.

除非人们搬离城市，否则房租不会保持不变吗？从技术上讲，如果这些投资房产卖给占有者，供应就会更少

[–]LiveTheLifeIShould
But if you rent and then buy, one lessrenter. Demand for rent goes down when homeownership increases. When demandgoes down, so do prices.

但如果你先租后买，就会少租一个。当房屋拥有率上升时，租金需求下降。当需求下降时，价格也会下降。

[–]duhhobo
So supply and demand would stay the samethen if rental units are being bought by new home owners... Rent rarely goesdown in most real estate markets.

因此，如果新房主购买租赁单元，那么供需将保持不变……在大多数房地产市场，租金很少下降。

[–]Nutchos
Even worse is a significant amount of theseinvestors don't care for rents. They just let them sit vacant which pushes uprent prices even more due to a shortage of supply.
Vancouver is expecting $30 million in itsfirst year of putting up an empty homes tax.

更糟糕的是，这些投资者中有相当一部分不关心租金。他们只是让这些房子空置着，这进一步推高了租金，因为供应短缺。
温哥华预计在空置税实施的第一年就会有3000万美元的税收。



[–]Headkickerchamp
This is why I changed my mind about movingto Colorado and now plan on moving to Utah instead. It doesn't seem nearly asbad there.

这就是为什么我改变主意搬到科罗拉多，现在打算搬到犹他州。那里的情况似乎没那么糟。

[–]flinderdude
Isn’t this because its much harder forordinary Chinese to invest in the market with stocks, etc?

这难道不是因为普通中国人投资股市要困难得多吗？

[–]missedthecue[S]
It's not harder, it's just not culturallycommon. Stocks are seen as gambling. (And to be frank, that's basically whatthe Shanghai market is).
Historically, property values have alwaysrisen in China, and culturally, it's the place to invest. Real estate. Sothat's what people do.

这并不难，只是在文化上不常见。股票被视为赌博。（坦率地说，上海股市基本上就是这样）。
从历史上看，中国的房地产价格一直在上涨，从文化上讲，这里是投资的好地方。房地产。这就是人们所做的。

[–]anonymous123450
Sounds like a bubble lol

听起来像个泡泡，哈哈

[–]AltForFriendPC
Probably because it is a bubble

可能是因为这就是一个泡沫

[–]needadvicebadly
我不知道中国的房地产是如何运作的，但以中东为例，无论经济状况如何，房价只会上涨。我不完全理解它的经济原因，但大多数人生活在大都市地区，那里的房价在过去的70年里从来没有下降过。事实上，它们是唯一与通货膨胀保持同步的投资。价格要么保持不变，要么大幅上涨，然后保持不变。这可能只是在古老的大都市地区自然有限的供应。也可能是文化原因，因为很多人会在未来为自己的孩子买多套公寓，也可能是因为人们认为土地所有权是一件值得骄傲的事情，是家庭稳定和荣誉的源泉。我真的不知道，但这是一个与美国房地产市场非常不同的市场。



[–][deleted]
China population growth 0.6% US populationgrowth 0.7%

中国人口增长率0.6%，美国人口增长率0.7%

[–]bokavitch
China’s fertility rate is 1.6 children perwoman, which is below the replacement rate of 2.1 per woman. There’s stillmoderate population growth because the older, larger generation hasn’t starteddying off yet.
China isn’t a huge immigration destination(at least not yet) like the west, so it’s unlikely it will be able to rely onmigration to keep its numbers up unless a lot of things change.
Just google China fertility rate and thepopulation projections for the rest of the century.
The Middle East and Africa still have highfertility rates.

中国的生育率是每名妇女生育1.6个孩子，低于每名妇女生育2.1个孩子的更替率。人口增长仍然是温和的，因为年龄较大的一代还没有开始死亡。
中国不像西方国家那样是一个庞大的移民目的地（至少现在还不是），所以除非很多事情发生变化，否则中国不太可能依靠移民来保持人口数量。
只要谷歌中国的生育率和本世纪剩余时间的人口预测就知道了。
中东和非洲的生育率仍然很高。

[–]barnz3000
My wife and I left China two years ago. Ourhouse got to a price, which made it "go time". So we sold it. Andthen 3 months later, the price was 30% higher. It's super fucking mental, inplaces like Shanghai and Beijing. A couple of million USD for a concrete box onthe 30th floor.
So I didn't time it perfect. But I'm gladwe got out.

我和妻子两年前离开了中国。我们的房子涨价了，到了该“开工”的时候了。所以我们把它卖了。3个月后，价格上涨了30%以上。在上海和北京这样的地方，这是他妈的超级变态的。30层的一个混凝土盒子需要几百万美元。
所以我没有把握好时机。但我很高兴我们逃出来了。

[–]reginaldpotato
where did you move to?

你们搬到哪里去了?



[–]faceinthecrowd42
By law you never truly own property inChina, you are just a lease holder.

根据法律，你在中国从来没有真正拥有财产，你只是一个租约持有人。

[–]Spaceisthecoolest
That's why they just buy it in Canada, USA,Australia, England.. etc etc..

这就是为什么他们只在加拿大、美国、澳大利亚、英国……等等买房产。

[–]GymcelGalore
So why aren't they buying land instead ofuseless apartment boxes in sky?

那么，为什么他们不买地，而买地上无用的公寓呢？

[–]anti09
Historically, property values have alwaysrisen
Boy I've heard that line before

从历史上看，房地产价格一直在上涨
我以前听过这句话

[–]Jahkral
That being said, its going to be true onthe long-term. I can understand seeing stock in a company that can go bankruptbeing considered gambling versus a plot of land that will always be there.
But I don't pretend to know anything aboutchina.

也就是说，从长期来看，这是正确的。我能理解，看到一家公司的股票可能破产，被视为赌博，而不是一块永远存在的土地。但我不假装了解中国。



[–]Power80770M
They should be banned from buying US realestate, unless they have a green card or US citizenship. Keep your speculationout of our housing market.

他们应该被禁止购买美国房地产，除非他们有绿卡或美国公民身份。不要在我们的房地产市场上投机。

[–]missedthecue[S]
Fewer than 5% of homes in SF or Vancouverare bought by foreigners. The story that sky high real estate prices are causedby Chinese speculators is a myth perpetuated by reddit

在旧金山或温哥华，只有不到5%的房屋被外国人购买。有关中国投机者推高房价的说法是reddit上流传的一个神话而已

[–]Power80770M
In a market with already tight supply andstrong demand, an additional 5% of extremely wealthy buyers can send pricesskyrocketing. Just because they're only 5% of buyers, doesn't mean their impactis negligible.

在一个已经供应紧张、需求强劲的市场中，额外5%的超级富豪买家可能会导致房价飙升。仅仅因为他们只占买家的5%，并不意味着他们的影响可以忽略不计。

[–]missedthecue[S]
So 5% of the buyers are to blame and notthe other 95%?

所以5%的买家应该承担责任而不是其他的95%？



[–]theorymeltfool
The US should be weary of the Yuan ifthat’s the case. A lot of USD could be exchanged for worthless Yuan, which willfuck over banks and cause the issue to be systemic. This could also help lowerhousing prices in the US when those foreign buyers start to sell.
Nothing against the Chinese, glad some ofthem are doing well, but it’s irritating when I try and buy a house but someonefrom China comes in with cash and buys it for more than the asking price. It’sfrankly insane.

如果是这样的话，美国应该对人民币感到厌倦。大量美元可以兑换成毫无价值的人民币，这将搞垮银行，导致系统性问题。当这些外国买家开始出售房产时，这也可能有助于降低美国的房价。
没有什么对中国人不利的，我很高兴他们中的一些人做得很好，但当我试图购买一套房子时，有人从中国带着现金来到这里，以高于要价的价格购买，这让我很恼火。tmd疯了。

[–]spaceywilly
Yeah it’s bad. I work in Boston and makedecent money and I couldn’t even dream of buying my own place here. Talking600k for even an entry level unit. My personal feeling is that most it is dueto foreign investors buying up property without any plans of actually occupyingit. It’s created an insane bubble, my only hope is that it will pop eventuallyand we’ll be left with a ton of inventory and the buyers will disappear

是的，这很糟糕。我在波士顿工作，赚了不少钱，我甚至不敢在这里买自己的房子。即使是入门级的单元也要60万。我个人的感觉是，这很大程度上是因为外国投资者在没有实际入住计划的情况下购买了房产。它创造了一个疯狂的泡沫，我唯一的希望是它最终会破裂，我们会留下大量的库存，买家会消失

[–]some_coreano
Only one can hope, but housing in bostonhas not dropped even in 2008

只是一个希望而已，但波士顿的房价即使在2008年也没有下降



[–]midnightblade
People coming from India or China currentlyneed to wait years to even be eligible for a green card despite working, payingtaxes and raising a family here. Yes it's "temporary" but onlybecause they can't become citizens any faster.

来自印度或中国的人目前需要等待数年，才能获得绿卡，尽管他们在这里工作、纳税、养家糊口。是的，这是“暂时的”，但只是因为他们不能更快地成为公民。

[–]Destr0p
If you have the legal money to purchase ahome, you wont be spending nearly as much time in the immigration system

如果你有合法的钱买房子，你就不会花那么多时间在移民系统上

[–]mellofello808
even with lawyers it can take more than adecade.

即使有律师协助，这也可能需要十年以上的时间。

[–]mods_are_a_psyop
A foreigner can get U.S. citizenship byinvesting under $1 million in a U.S. business. There's a cap of around 10,000of these granted every year, and only in the past decade or so has the cap beengetting met. It takes less than a year to process.

外国人在美国投资不足100万美元就可以获得美国公民身份。每年大约有10000个这样的上限，直到过去十年左右，这个上限才得到满足。加工过程不到一年。



[–]snoppballe
If you don't get privileges for having acitizenship what's the point of even having a country? You'll just end up likeCanada, New Zealand etc where no one can afford a home

如果你没有获得公民身份的特权，那么即使买下一个国家又有什么意义呢？你会像加拿大、新西兰等国家一样，没人买得起房子

[–]GhostReddit
Green cards should come a lot quicker topeople who want to be permanent residents IMO.

在我看来，想要成为永久居民的人应该更快获得绿卡。

[–]midnightblade
They should but they don't. I worked with alot of h1b holders. Though it's highly dependent on what country they're from.Had a friend from turkey that got it in like 3 years. I've heard the wait for aIndians is like a decade now unless you have a family.

他们应该，但他们没有。我和很多h1b持有者合作过。虽然这很大程度上取决于他们来自哪个国家。我有个土耳其朋友用了3年左右才拿到。我听说印度人要等上十年，除非你在此组建家庭。



[–]thezhangwei
Mind elaborating a bit more on what exactlydo you disagree with? I'm just saying from mortgage stand point. It is a lottougher to even get your first mortgage in China compared with what washappening before 08 in US. If you've been there and had experience with thebanks you will know what I'm talking about.

请仔细想想，你到底不同意什么？我只是从抵押贷款的角度来说。与2008年之前的美国相比，在中国获得第一笔抵押贷款甚至要困难得多。如果你去过那里，有过银行的工作经验，你就会明白我在说什么。

[–]youtubehead
I read that mortgage payment is 53% ofdisposable income.
As China's continues to slowdown and maybeeven enters a recession because of trade wars, that monthly payment will bevery burdensome. And as the property market deflates or even collapse Chinaenters a balance sheet recession.
China entering a recession has huge impactsfor global growth, credit markets and equity valuation.

我读到抵押贷款占可支配收入的53%。
随着中国经济持续放缓，甚至可能因为贸易战而进入衰退，这种月度支付将是非常沉重的负担。随着房地产市场的紧缩甚至崩溃，中国进入了资产负债表衰退。
中国经济进入衰退，对全球经济增长、信贷市场和股票估值都有巨大影响。

[–]thezhangwei
The bank won't approve your mortgage ifyour payment is higher than half of your monthly income. What's very differentin China is that the younger generation is getting financial support from theirparents. Not everyone is lucky but the chances are your parents already ownmore than one properties.

如果你的付款超过你每月收入的一半，银行就不会批准你的抵押贷款。中国的不同之处在于，年轻一代从父母那里得到了经济支持。不是每个人都很幸运，但你的父母可能已经拥有不止一处房产。



[–]andyhenault
And I’m sure 70% of the homes bought inVancouver are a fourth/fifth home for those same Chinese buyers.

我敢肯定，在温哥华购买的房屋中，有70%是这些中国买家的第四/第五套房。

[–]NoFurtherDiscussion
Their country is rich after our country hasborrow trillions from them to prop up the horrible decisions of our politiciansto float our fake boom economies on borrowed money.

他们的国家是富裕的，因为我们的国家从他们那里借了数万亿美元，来支持我们的政客做出的可怕决定，让我们虚假繁荣的经济浮在借来的钱上。

[–]clingbat
China owns like 6% of our debt. The vastmajority of US bonds are with US citizens and the US govt and/or Fed itself...

中国只拥有我们6%的债务。绝大多数美国国债都是美国公民和美国政府以及(或)美联储自己发行的……

[–]For_Christ_The_King
I don't see the purpose of thesethreads(and I have seen a good number following this theme). Most of us havelittle exposure to or knowledge about the Chinese housing market.

我看不出这些帖子的目的（而且我已经看到很多帖子遵循这个主题）。我们大多数人对中国房地产市场几乎一无所知。

[–]duhhobo
It shows that people are most likely overleveraged on real estate investments, instead of diversifying.

这表明人们在房地产投资上很可能过度杠杆化，而不是多样化。



[–]jamesz84
If everyone knows about it at thisstage.... how is it actually a bubble?

既然当前所有人都知道这个情况……它怎么又能算泡沫呢？

[–]TheRadishBros
Because many people believe the Chinesegovernment is too powerful to allow any collapse in asset values to happen.

因为很多人认为中国政府太强大了，不会允许任何资产价值崩溃的事情发生。

[–]jamesz84
Thanks.
Thinking about it now, though, when Bitcoinwas going way up getting toward this time last year, or the end of 2017, Iremember people calling it out as a bubble. Eventually it dumped from almost$20k down to $5k or whatever.
I doubt anyone knew in advance it was goingto do that, though.

谢谢。但现在想想，当比特币在去年这个时候，或者说在2017年底大幅升值时，我记得人们把它称为泡沫。最终它从2万美元跌到了5000美元。
不过，我怀疑没有人事先知道它会这么做。

[–]brookhaven_dude
Government should just spend its massivecash reserve to buy up all these homes and move poverty stricken populationinto them.

政府应该花大量的现金储备买下所有这些房子，把贫困人口搬进去

[–]Bu11ism
people who no fucking clue how literallyanything in China works.

这些人tmd根本不知道中国的东西是怎么运作的。

[–]Rofelcopterz
这只是在中国。他们把钱（不管腐败与否）存放在世界各地的房地产市场。悉尼、西雅图和温哥华等地正被外国资本摧毁。中国人正在到处购买房产，不是作为房产，而是作为商品。他们以远远高于要价的价格购买这些房子。他们不在乎人民币是否贬值，因为这比在中国持有现金更安全。他们把自己的孩子像放卫星一样送到温哥华，在哥伦比亚大学学习，买法拉利，住在这些豪宅里。学生申报的年收入低于拿最低工资做兼职的人。他们让房屋空置，增加了该市0.06%的租房空置率。他们在玩弄体制，对温哥华社区毫无尊重。对他们来说，这是地位和金钱。他们不停地在跑步机上吐口水。在我看来，这些富有的中国人已经改变了温哥华的负面影响。我能控制这种局面吗？不能。因为我们生活在一个充满公开羞辱和高度政治正确性的世界。如果我们锁定一个群体，我们就会被视为极右派或种族主义者。这不是真的，我有中国朋友。富人滥用这座城市是需要管制的。
拥有巨额财富的中国人以高于要价的价格抢购房产，将温哥华居民赶出了这座城市。破坏城市的地位游戏。

[–]turbophaser
中国政府有限制公民购买多套房产以维持房地产市场运转的历史，就像限制贷款一样，不幸的是，它很容易被见不得光的高利贷者填补空白。

[–]lionel-china
主要原因是，在中国，买得起一套房子的人就能买几套。第一套房的首付通常在30 - 50%之间。所以如果一个人能够拿出30万美元现金的50%，那么他就有很高的收入或者是一个富裕的家庭。
所以，或者你住在你的父母/祖父母的房子，因为你没有足够的钱，或者你很富有，可以买几套房子。
中国政府正试图通过提高二套房和三套房的首付来阻止这种情况。如今在大城市，二套房的首付通常是70%，而三套房的首付可以达到90%。