Long-term household loans — mostly mortgages — have doubled as a share of total official bank lending this year. They accounted for about 40 percent of all new loans in August, contrasted with just 20 percent at the start of the year. The value of new home loans as a percentage of all housing sales has surged to a record high.
今年,长期房贷——大多是抵押贷款——占全部官方银行贷款的比例翻了一番。今年8月,房贷占全部新贷款的比例约为40%,而年初仅为20%。新房贷的价值占全部住房销售额的比例暴涨至历史新高。
The loans — largely a byproduct of a flood of Chinese lending to keep the economy growing — are helping the affluent, the middle class and low earners who have dreamed of owning a home, while investors and speculators are piling in, too. Underground lenders — those who operate outside the formal banking system using a variety of new platforms — are also helping to feed the boom.
这些贷款大多是中国为保持经济增长而出现的贷款狂潮的副产品,它们正在帮助富人、中产阶级、以及梦想拥有一套房子的低收入人群,不过投资者和投机者也在涌入。地下放债者,也就是利用各种新平台,在正式银行系统之外运作的人,也助长了这次暴涨。
Last month, economists at the Bank of China warned in a report that worsening asset price bubbles were adding to a frothy market that could result in trouble. The day before, Wang Jianlin, a politically connected property and entertainment magnate who is one of the country’s richest people, told cnn that China property was “the biggest bubble in history.”
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