Lowerlevels of home ownership could become normal despite government help to buy,according to the bank’s Generation Rent report

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根据银行的租房一代报告：尽管政府帮助购买房产，但越来越低的房产所有权可能会成为常态

Rocketing house prices and years without real-terms wages growth haveprompted a growing number of younger people to give up the idea of ever owningtheir own home, according to a major report on attitudes to getting on theproperty ladder.

针对房价不断上涨所做的态度调查报告显示出：飙升的房价和几乎每年都没有实际增长的工资促使越来越多的年轻人产生放弃拥有自己房子的想法。

The proportion of people aged between 20 and 45 putting money aside fora deposit had been steady for three years but fell last year by six percentagepoints to 43%, according to the Generation Rent report from the bank Halifax.

根据哈利法克斯银行租房一代信息报告：有一部分人，年龄在20岁到45岁之间，在银行存定期已经三年了,但去年利率下跌了6个百分点，跌至43%。

In a blow to government hopes that its help-to-buy mortgage subsidyscheme had turned around attitudes, the lender said its report strengthens theview that more people may be abandoning the dream of home ownership andaccepting the idea of long-term renting. It suggested lower levels of ownershipmay become “the new normal”.

政府受到了打击，希望其帮助买房抵押贷款补贴计划能扭转民众态度,而贷方则表示报告加强了这一观点：更多的人可能会放弃购房的梦想转而萌生接受长期租房的想法。这表明越来越低的房产所有权可能会成为“新的常态”。

The separate campaign group, also called Generation Rent, blamed thefall in deposit saving on a 20% rise in house prices over the last two years.

独立运动组织,也叫做租房一代,将存款储蓄的贬值归咎于在过去的两年里增长了20%的房价。

“This wouldn’t be a problem if renting was a legitimate alternative tohome ownership, but it is expensive, insecure and often of poor quality,” aspokesperson said.

“如果租房是合法房屋所有权的替代品的话，那这不会有什么问题，但是租房也很贵,而且不安全,通常还质量低下,”发言人说道。

A spokesman for housing charity Shelter said that even with interestrates at historic lows, “sky-high house prices mean millions are still lockedout of homeownership”.

住房慈善机构的一位发言人说,即使利率始终维持历史最低,“天价般的房价就意味着数百万仍然被锁在房产所有权之外”。

The Halifax report follows a series of embarrassing figures for thechancellor, George Osborne, and business secretary, Vince Cable, who havespearheaded the government’s campaign to stimulate housebuilding by boostingdemand.

哈利法克斯报告中有一系列很令人尴尬的数据，因为总理乔治•奥斯本(George Osborne)和商务大臣文斯•凯布尔(Vince Cable)曾发起过政府运动通过扩大需求来刺激房地产业。

After construction of new homes dwindled in the aftermath of the bankingcrash to levels not seen since the 1920s, there was a pickup in 2013, but thatwas reversed in the second half of last year with a 20% fall compared with thefirst half. The most recent official figures showed a further 5% drop inJanuary after the Christmas break.

在银行业崩溃后，新屋建造达到了1920年代以来的最低水平，2013年略有回升，但是去年下半年又比上半年下降了20%。根据最新的官方数据，圣诞节假期后，一月份又下降了5%。

Last week, the Labour party said the government needed to take directaction to boost supply, promising a £5bn future homes fund to build125,000 homes over the course of the next parliament. Ed Miliband said the fundwas a key element of the party’s plan to raise construction levels to 200,000 ayear by 2020.

工党上周表示,政府需要采取直接行动来激增房屋供应量, 在下届议会中提供未来家基金50亿英镑，用来修建125000所房屋。埃德•米利班德(Ed Miliband)表示,该基金是党计划到2020年每年提升200000的建设水平的一个关键元素。

Osborne has pledged to increase the number of new homes, though mainlythrough the relaxation of planning rules and schemes such as help to buy, whichhave enabled people to get on or move up the property ladder with a lowdeposit.

奥斯本已承诺要增加新房屋的数量,虽然主要是通过放松规划限制，比如帮助买房抵押贷款补贴计划,使人们能用较少的存款适应或爬上房地产阶梯。

But the Halifax report found that while 53% of people said they believedthe scheme has had a positive impact, most thought first-time buyers still findit difficult to get finance. The lender found 79% of 20- to 45-year-oldsbelieved banks do not want to lend to first-time buyers, and 21% believe it isvirtually impossible for first-time buyers to obtain a mortgage.

但哈利法克斯的报告发现,尽管有53%的人表示他们认为该计划已经产生了积极的影响,大多数人还是认为首次购房者仍然很难得到融资。银行发现20到45岁的人群中有79%的人认为银行不会借钱给首次购房者,21%的人认为首次购房者几乎不可能获得抵押贷款。

Respondents were also unwilling to save more than £10,000 fora deposit, far short of the sum needed in many areas of the country, especiallythose that have seen soaring house prices. Non-homeowners said they would bewilling to put money aside for about five years and four months to save for adeposit at £33 a week.

受访者也不愿意就为了存钱而省下10000多英镑,而国家其他许多地区所需金额都远低于此,尤其是那些房价已经飙升的地区。但非房产所有人表示,他们愿意每周存33英镑，然后存个5年零4个月。

The report gathered information from more than 40,000 20- to45-year-olds and 4,000 parents with children aged between 20 and 45.

此报告所收集信息来自于40000 多名20 - 45岁之间的人士和4000名家长——其孩子年龄在20到45岁间。

评论

• thosefatpants Bionicflan

8 Apr 2015 03:22

Funny that, I know quite a few retires who spend almost all of theirtime on the road today. Enjoy your "normal" home where the highlightof your week will be having a piss at the local shopping centre.

这真有趣,我认识不少退休的人，他们现在几乎每天都在马路上。享受你“正常”的家吧,在那里你一周的亮点就是去当地的购物中心上个厕所。

• harryjohn78 dann3000

8 Apr 2015 02:59

Good idea but look how much the idiot tories are cutting atm. It wouldcost them to enforce the legislation.

好主意,但是你看那保守党多么白痴，竟然在削减自动取款机的数量。这将迫使他们去执行立法。

• harryjohn78 Pedro987

8 Apr 2015 02:49

While I am happy for you, it depends on a lot of factors that happen.The kind of contacts, choices made, lifestyle, friends, family, ethnicity, etc.
I've worked very hard, same age as yourself, have 2 mathematical degrees but inover 70k in debt. Not through partying I might add.

当我为你高兴时,这取决于很多因素。联系人的种类，决定方式，生活方式，朋友类别，家庭，种族等。

我工作很努力,跟你同岁,有2个数学学位,但有70 000的债务。不是通过聚会的话可能会更多。

• icklaroo brookbond

8 Apr 2015 01:15

Yep, where there is a seemingly untapped market of affordable housing ifyou're starting out. Although I have lived here for a decade so I don't haveany recent experience of the mortgage market.

没错，只要你开始出去住，就会有一个看似尚未开发的市场保障性住房。虽然我已经在这里住了十年了，但我不是没有任何关于抵押贷款市场的最新经验。

• Gabby1511 seaspan

7 Apr 2015 23:26

Thanks for the advice, I'm very set to do it but can understand howdifficult it probably is to get back to anything once you quit. Fingers crossedthat the PhD does get me to where I want to be and hard work does pay off!Sounds like you're a supportive parent and good luck to your kids regardless.

谢谢你的建议,我已经准备好去做了,但也能理解一旦放弃，重新回到原点那该有多难。诚心祈祷,博士学位能让我去到想去的地方,努力工作能让我还清债务!听起来你是一个很有支持力的家长，不管怎样祝你的孩子好运。

• plymouth1

7 Apr 2015 22:47

House purchase and remortgage loans 41,400

Buy to let loans 18,200

buy to let up 12% from Jan 2014

购房和再抵押贷款41400

购买转让贷款18200

从2014年1月购买转让增长了12%

• Pedro987

7 Apr 2015 22:13

I'm 34, working class family background, no university degree, took manyexams in my 20s to become an accountant whilst renting, partying and doing longhours in London.

I now earn £80K and am about to buy my first flat: a very pleasant2-bedder in zone 5 in South East London, a 30 minute commute. Single, no kids.

I appreciate everyone has different circumstances but anyone who can'tachieve this for themselves after 18 years of free education lacks either thebrainpower or the ambition.

And before anyone starts whining about nurses not being paid very welletc etc etc, this isn't a communist state, you've got choices- you can have ahouse and loads of money but you've got to make the appropriate choices andsadly those choices don't include being a low earner.

It's there if you want it.

我34岁了，工人阶级家庭背景,没有大学学位,在20岁时多次参加考试后成为了一个会计，那时就在伦敦租房常住,还有聚会。

我现在已经挣了80 000英镑,打算买下我的第一套房子:伦敦东南部5区的一个非常漂亮的两室套房,离上班地点30分钟路程。单身,没有孩子。

我理解每个人都有不同的情况,但一个人如果不能在结束教育后的18里为自己实现这个目标，那要嘛缺乏智力要嘛是缺乏野心。

在有人开始抱怨护士的收入不是很好等等等等之前，这不是一个共产主义国家,你有选择,你可以有一个房子和很多钱,但你必须做出适当的选择而且很抱歉那些选择里不包括成为一个低收入者。

它就在那儿，如果你想要的话。

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