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美國.無力買房的中慘階級
美國房市從2012年開始復甦,但房價回升並未帶來雨露均霑的經濟復甦,反而創造了一整個世代的長期租屋族,無力買房,只能望屋興嘆。
華爾街日報此篇新聞摘譯如下:
(1) 房價持續上漲,整體而言,只比金融海嘯前的高點低2%
Overall prices are now just 2% below the peak reached in July 2006.
(2) 擁屋率(62.9%)持續下探,跌至51年來的最低點;有專家預測至2050年時可能掉到58%甚至再低
While economists expected the homeownership rate to begin edging up this year, the rate fell to a 51-year low of 62.9% in the second quarter.
The rate could fall to 58% or lower by 2050, according to a recent prediction by housing experts Arthur Acolin of the University of Southern California.
(3) 租金報酬率在4%以上,接近台灣三倍;租屋族苦哈哈,包租公笑哈哈
(4) 買不起房的雙重打擊:一方面享受不到財富增值(房價上漲)且退休後仍須承擔租屋壓力,二方面要不斷面對接連上漲的租金
Long-term declines could erase gains made by middle-class Americans since World War II. Owning a home provides protection against rising rents and has been a key component of retirement saving and wealth creation.
新聞來源:
Lopsided Housing Rebound Leaves Millions of People Out in the Cold