美国80、90后遭遇买房难

06 美国80、90后遭遇买房难

当中国的年轻人面对高企的房价望洋兴叹时，在大洋彼岸的美国，同样有一群年轻人在为房子的事情踌躇。一项调查显示，美国出生于1980年至2000年的“千禧世代”（millennials）中，多达三分之一仍与父母同住。

Julian的故事

27岁的Julian家住纽约，他是众多选择住在父母家的“千禧世代”之一。

After college I moved to a town nearby.I moved in with my girlfriend at that time.Since we broke up, I couldn't afford my own place any more so I moved in with my mom.

大学毕业后我搬到附近的一个小镇，和我当时的女朋友住在一起。后来我们分手了，我自己住不起了，就搬去和我妈同住。

And then some friends invited me out to Maryland to come with them.They said there were a lot of jobs out there.After that it didn't really pan out.I came back and got a job in the city here and moved in with my dad.

然后几个朋友叫我去马里兰州，和他们一起，他们说那边工作机会很多。但后来事情也没成。于是我又回到纽约市，在这里找到了一份工作，搬来和我爸同住。

朱利安的故事并不罕见。美国“千禧世代”（指出生于1980年至2000年间的人）中，有三分之一与父母同住。这是自1968年开始有这项统计之后达到的最高点，甚至高于2009年金融危机期间。经济学家们感到吃惊。美国经济正在复苏，就业情况有很大好转，为什么年轻人还在和父母同住？

为什么年轻人还在和父母同住?

经济压力

哥伦比亚大学地产经济教授Christopher Mayer给出了他的见解：

Young people are not doing quite as well as the unemployment rate suggests.They aren't getting jobs or not getting jobs that pay as much as they like.They're often not getting jobs in the careers they were originally trained for.

年轻人的实际情况并没有就业数据显示的那样乐观。他们或者找不到工作，或者找不到薪水让他们满意的工作，或者找不到专业对口的工作。

So the number of people living at home, I think, with student loans high, with rents rising which they've been and with housing credit being tight.The combination of those things makes it tough to move out on your own and to buy or even rent an apartment.

年轻人留在家里，因为学生贷款负担那么重，房租持续上涨，房贷越来越难获得，这些因素加起来让年轻人很难搬出去独立生活，很难买房甚至租房。

楼市风险

在楼市衰退中长大也让这代年轻人更加谨慎，不愿重蹈覆辙。Julian认为：

If you asked me before the crash if I was going to buy a condo, I would say, no, I'm going to buy a house.But now because of that I would say maybe I should get a condo first.

如果你在楼市崩盘前问我，会不会买一套公寓，我会说，不，我想买一栋独立的房子。现在，因为那场危机，我会说，也许我应该从公寓开始。

I am way more cautious about where I'm going to put the investment and how much that investment is going to be.

我对把钱花在哪里、花多少变得谨慎多了。

攒钱买房

Mayer教授认为，大部分年轻人仍然希望购买自己的房子，他们只是还没做好准备。留在父母家可以帮他们攒钱：

I think people are going to continue to aspire to buy their own homes, but they are facing economic challenges which make it much harder to do.

我想人们还是会渴望购买自己的房子。但经济上的挑战让买房变得更加困难。

I don't think it's an issue of desire.I think they are facing a world which makes it harder to save, which makes it harder to make mortgage payments and get credits

我不觉得这是想不想的问题，而是眼下的现实世界让攒钱变得更困难，让按揭买房变得更困难。

词汇总结

pan out 成功；结果（是）；证明

After that it didn't really pan out.

但后来事情也没成。

condo ['kɒndəʊ]

n.分户出售公寓大厦（等于condominium）

If you asked me before the crash if I was going to buy a condo, I would say, no, I'm going to buy a house.

如果你在楼市崩盘前问我，会不会买一套公寓，我会说，不，我想买一栋独立的房子。