经济学人:首尔住房(2)
日期:2020-09-02 14:07

(单词翻译:单击)

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中英文本

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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0haSG7-ki~wvjY
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Mb(LUwko3Q2sE]y[2。但其阻止后者的努力也伤害了前者1Uc7Owpv#UOHuhSj
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tP5RSUS1eJz5L55lgb。首尔五分之二的人拥有自己的房屋,剩下的都是租客NBlwc)+G8MZ[=v-M4Ol
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@^D*wI_RZ5
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”sF@YRSSdZk+PgoK
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se5w;)[%myW+e!BGmj

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首尔住房(2)

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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+_+8Re1nup*d
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3h5.7-%stHmHoX4K;
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E)hMHwN%~_S+K。但并没有看上去的那么容易负担aOUhIEK_2*zqKD[I!
There are other strains. Household debt is high, having risen rapidly in the past.
还有其他压力x.,-vLZbEx658g。家庭债务很高,在过去增长迅速!yim,ao&JOw3F-%]s
"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)mfB2r=yx1GNTo2]L1。“如果房价突然下跌,将会造成严重后果)&LEjO.ey]。”
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j!#yi^~ekde~~(6
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ZQ#!FPt1);14w]KPSt
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[e%6y,jfZ9
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H([rPw;.w&;x
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toA.;#5(,)+x*dMMl&a
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XBZazYHlV-b
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jM6gw06u.,
"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&buzxgKG-3l6B1NXVH。首尔没有充足的高质量公寓——因此,我们需要建造更多!!B&,*|4i=2.@dtiLK@。”

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词语解释

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1.affluent 富裕的

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Cigarette smoking used to be commoner among affluent people.
吸烟曾经在富人中间更为普遍DrTBePFxLGxtU!Mlsut

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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gXzD8NDcpt.#USl)o~m

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