双语 | 中国房价贵？80、90后7成有房全球第一 远超英美法澳！
据英国汇丰银行一项调查，中国七成“千禧一代”名下有房（在西方，“千禧一代”又称“Y世代”，1984-1995年出生，大致相当于中国的“80后”和“90后”）。中国年轻人“有房率”之高，居全球首位！而无房者中，91%今后5年内有购房计划。这一数据与日新月异的高房价形成鲜明对比，并远超英美法澳，让一大波小伙伴深感意外。
While young people around the world are struggling to get on the property ladder, an HSBC study found that 70% of Chinese millennials have achieved the milestone.
虽然全世界的年轻人都在奋力攀登买房的天梯，但汇丰银行一项研究发现中国有70%的千禧一代已经完成了这项里程碑式的任务。
A sizeable 91% also plan to buy a house in the next five years, according to the survey.
调查结果显示，计划在未来5年内买房的人数也非常可观，占比高达91%。
The mortgage lender spoke to around 9,000 people based in nine countries.
汇丰银行此项调查的受访者共9000人，来自9个国家。
While China came out top of the pack, Mexico was next with 46% of millennials owning property, followed by France with 41%.
中国千禧一代的有房率排在首位；墨西哥千禧一代有房率为46%，位居第二；排在第三的法国为41%。
In Malaysia, the US, and Canada, just over a third of the age group have bought a house or flat, while in the UK it's 31%.
在马来西亚、美国和加拿大，该年龄群体只有超过三分之一的人已购住房或者公寓，而在英国，这一比例仅为31%。
Worst off in the bricks and mortar stakes are Australia and the UAE, where 28% and 26% of millennials own their own homes respectively.
房产情况最糟糕的是澳大利亚和阿联酋，千禧一代的有房率分别为28%、26%。
HSBC noted that 83% of those surveyed who were not homeowners had plans to buy within the next five years. Mexicans and Malaysians were most likely to harbour the ambition, with 94% saying so.
汇丰银行指出，83%的无房受访者计划在未来5年内买房。墨西哥和马来西亚受访者有此想法的人数最多，占比达94%。
Although its ownership figures were on the higher side, France had the lowest number of would-be buyers, at 69%.
虽然法国的有房率排名靠前，但潜在买房者的人数比例却最低，仅为69%。
This may be because historically, the country has not placed the same value on home ownership as its neighbour across the Channel. Renting is completely socially acceptable - especially in costly cities like Paris and Lyon.
这或许因为历史上法国并不像与它隔英吉利海峡相望的邻居（即英国）那样重视自置居所，租房完全被社会所接受，特别是在巴黎、里昂这样的高消费城市。
For many people aged 19-36, houses remain unaffordable because they have not saved enough for a deposit. Property prices in eight of the nine countries studied increased in 2016.
很多19-36岁的人依然买不起房，因为他们还没有攒够存款。调研的9个国家中，8个国家的房价在去年有所上涨。
The rise in house prices relative to salary growth also leads to issues.
与房价上涨相应的薪资增长也导致了很多问题。
Almost two-thirds of respondents said they would need higher earnings to buy a home, but seven of the nine countries are facing real salary growth of less than 2% in 2017.
近三分之二的受访者表示需要更高的收入才能买房，但9个国家中有7个国家2017年的实际工资涨幅将不足2%。
In the UK, for example, house prices rose by 7.5% in 2016, according to the International Monetary Fund, while wages are expected to rise by 1.9% this year.
以英国为例，国际货币基金组织的数据显示2016年英国房价上涨了7.5%，而今年薪资涨幅预计为1.9%。
According to Forbes, China has seven of the world's top 10 most expensive cities for residential property. In Shanghai, there were even reports of couples getting fake divorces to exploit a home-owning loophole.
根据《福布斯》，世界10大住房价格最昂贵的城市中，中国占7个。上海甚至有过夫妻利用房产漏洞而假离婚的报道。
HSBC said 85% of those surveyed in China were in urban areas, with 14% in the suburbs and 1% in rural areas.
汇丰银行称，85%的中国受访者来自市区，14%来自郊区，1%来自农村。
So how have so many millennials managed to buy their homes?
那么，这些千禧一代是怎样买到房的？
For sons in particular, it's down to the Bank of Mum and Dad - and underpinned by the marriage market.
尤其对男性来说，买房要靠父母支持，也取决于婚姻市场。
Chinese parents know their sons' chances of marrying well are materially increased if they own a home.
中国父母明白，儿子如果有套房，那么找个好媳妇的概率会大大增加。
Dr Jieyu Liu, deputy director of the SOAS China Institute, told the BBC: "It is the custom that husbands will provide a home.
伦敦大学亚非中心中国研究院副院长刘捷玉在接受BBC采访时说：“男方买房是约定俗成。”
"As young people's wages are too low, the husband's family is expected to take on the responsibility to purchase the property in their son's name, or pay the deposit.
“因为年轻人工资太低，男方家庭就应以儿子的名义承担买房责任，或者支付首付。”
"Many love stories fail to turn to marriage if the men fail to provide a marital house."
“男方如果不能提供婚房，婚事可能就会泡汤。”
And then there's the fact that elderly Chinese often move in with their children in their twilight years.
还有一个事实，中国的老人通常会在晚年搬去和孩子同住。
As a result, many see buying a property in their son or daughter's name as an investment in the family's future.
所以，许多人会把以儿子或女儿名义买的房看作对未来家庭生活的投资。
Chinese parents are also good savers, with many squirreling away around 30% of their income. Other relatives may be called on to help too, as first home deposits are often at least 30%.
中国的父母善于存钱，许多人会把30%的收入存起来。由于首套房首付的比例通常至少为30%，可能还需要其他亲戚帮忙凑钱。
And if the housing market's in bad shape? No problem. They're prepared to buy years in advance to get a good deal.
如果房地产市场形势不好怎么办呢？不用担心。为了买套好房子，他们能提前准备好几年。
英文来源：BBC
编译：阿狸、Lyla、YOYO
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