伦敦住房危机 分享到:
The London Housing Crisis 2018-03-1151819

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The London housing crisis explained by Alternative Home.
Alternative Home栏目为您科普伦敦住房危机。
Everyone knows living in London is really expensive, but how much money do you really need to live here?
每个人都知道住在伦敦真的很贵,但是你到底需要多少钱才能住在这里呢?
If you want to buy a house in Camden for example, you’ll need 19.6 times your income to afford it.
举个例子,如果你想在卡姆登买房子,你需要花费自己收入的19.6倍。
Ten years ago, you would only have needed 7.7 times your income. That’s two and a half times more!
十年前,你只需要花费自己收入的7.7倍。这足足涨了2.5倍。
Housing has become less and less affordable: from 1997 to today, rent in London has tripled.
人们越来越买不起房子了:自1997年起,伦敦的租房价格增长为原先的三倍。
To buy a house, you now need five times more than you did ten years ago. So how did we get here?
相比十年前,房子价格涨了5倍。为什么会变成这种局面呢?
In 1945, new social housing programmes started involving local authorities. Lots of people started moving into them.
1945年,地方政府开始介入新社会福利房项目。许多人搬入了这种房子。
At some point, over a quarter of the UK population lived in this kind of housing.
在一些时期,超过四分之一的英国人住在这种房子里。
In the mid-50s, conservative governments started devolving social housing to the private sector.
到了50年代中期,保守党政府开始将社会福利住房移交给私营部门。
Margaret Thatcher’s government changed the UK housing system for good.
玛格丽特•撒切尔政府彻底改变了英国的住房制度。
The Right-to-Buy programme allowed council tenants to buy their home at a generous discount.
Right-to-Buy 项目允许福利房的租户以优惠的价格购买他们的房子。
Sold off council houses were not replaced, creating a shortage in social housing.
并没有新房源补充已售出的福利房,这导致了社会福利房的短缺。
The Bank of England slashed interest rates and mortgages became cheaper.
英国央行大幅降息,抵押贷款变得更便宜。
More people borrowed and amateur landlords bought second homes to rent them out.
更多的人通过借贷购买了第二套用于出租的房子,成为了业余房东。
A couple of years later, Right-to-Buy 2.0 was introduced by David Cameron. Sales of council houses increased by 400% in three years.
数年后,戴维·卡梅伦推出了Right-to-Buy 2.0版本。福利房的销售量在短短三年内涨了400%。
It’s still on today!
直到今天仍在继续!
On top of this, overseas property investors, London’s rising population and a shortage of new homes made housing prices soar.
除此之外,来自海外的房地产投资者、伦敦不断增长的人口以及新住房的短缺使得房价飙升。
The average millennial now has to borrow from the bank of Mum and Dad in order to save enough deposit to get a mortgage.
现在,普通的千禧一代不得不向父母求助,以节省足够的存款来获取抵押贷款。
The Generation Rent are those who cannot rely on the generosity of their parents.
而租房一代是那些无法从父母那里得到帮助的人。
They are locked out of homeownership, but unable to qualify for social housing.
他们既买不起房子,又达不到申请社会福利房的要求。
Luckily there are other alternatives housing solutions. Check out our website.
幸运的是还有其它的解决方案。更多信息请点击我们的网站。

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练习题
Question:
Who changed the UK housing system for good?
A  Margaret Thatcher's government
B  David Cameron's government
C  conservative government
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