三個(gè)普通中國人的樓市今日談

Recent measures by China's government to curb run-away property prices, as well as talk new or higher taxes on real estate may be in the works, have made for some uncertainty in China's property markets. Still, property remains a very attractive investment for many Chinese. We talked to a Beijing PR professional, a teacher in Hangzhou and an entrepreneur in Qingdao about their real-estate plans.
近來中國政府控制房價(jià)飛漲的系列措施以及有關(guān)考慮加征房產(chǎn)稅的傳言已給中國的房地產(chǎn)市場帶來了些許變數(shù)，不過，對許多中國人來說地產(chǎn)仍是一個(gè)非常有吸引力的投資選擇。我們采訪了一位北京的公關(guān)人士、一位杭州的教師以及一位青島商人，看看他們各自有什么房產(chǎn)大計(jì)。

Joanna Duan, 35 years old, a single former public-relations executive who is currently working on a freelance basis, is not planning to sell her one-bedroom Beijing apartment despite having moved to a larger apartment that she rents.
現(xiàn)年35歲、目前單身的Joanna Duan（下文統(tǒng)稱段小姐）曾是一位公關(guān)主管，現(xiàn)在則是自由職業(yè)者。雖然已經(jīng)搬到了自己租住的較大公寓，但她仍無意賣掉自己的一居室住房。

'It's small, but it's my own property and it gives me a sense of security. Plus, housing prices nowadays are so unstable, so I feel more secure keeping my own house,' she said.
她說，那間房子雖小，也是我的產(chǎn)業(yè)，在手里感覺還有點(diǎn)安全感，而且房價(jià)太不穩(wěn)定了，還是有個(gè)房子心里踏實(shí)。

Ms. Duan, who bought the 60-square-meter apartment in south Beijing near the Second Ring Road in 2005, paying less than 8,000 yuan a square meter, says it's now valued at around 28,000 yuan a square meter, with the full price conservatively estimated at 1.5 million yuan.
段小姐在2005年時(shí)以每平米不到8000元的價(jià)格在南二環(huán)附近買了一間60平米的公寓，她說現(xiàn)在的價(jià)格約為每平米2.8萬元，保守估計(jì)房產(chǎn)總價(jià)達(dá)到了人民幣150萬元。

She initially wanted to sell the apartment to be able to buy a bigger one, but the skyrocketing property prices in Beijing scared her away, 'Without a big fortune, it's impossible for me to buy a bigger one. If I just use the money I can get by selling my apartment for a bigger one, it would simply push me to the outskirts of Beijing, even outside the Sixth Ring Road. I don't want to live so far from downtown,' she said.
一開始段小姐曾經(jīng)想過要賣掉這間小屋，買個(gè)大些的房子，但是北京房產(chǎn)價(jià)格的飆升嚇退了她。她說，如果發(fā)不了橫財(cái)是沒戲買大房了，如果我只用賣房的錢買新房，那么一定會很遠(yuǎn)，估計(jì)得遠(yuǎn)到六環(huán)外了，我不想住得離城里那么遠(yuǎn)。

She now rents a 90-square-meter three-bedroom apartment near the Third Ring Road in east Beijing and plans to rent out her own apartment for around 4,000 yuan-4,500 yuan a month, to subsidize her own rent of 6,000 yuan a month.
她目前在北京的東三環(huán)附近以每月6000元的價(jià)格租住了一套90平米的三居室，她計(jì)劃以每月4000到4500元的價(jià)格將自己那套小屋租出去，補(bǔ)貼一部分租房的費(fèi)用。

She doesn't feel a pressing need to sell her apartment despite a series of government moves that could mean a change of direction in property prices.
雖然中國政府一系列樓市調(diào)控措施意味著房產(chǎn)價(jià)格可能會掉頭下行，但段小姐并沒有感覺到迫切的賣房壓力。

'I don't see the possibility of a big slump in Beijing housing prices, and even if it goes down to 10,000 yuan a square meter, I will still make a profit.'
她說，我覺得北京房價(jià)大跌的可能性不大，再說，就算跌到1萬我還是賺的。

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Pan Ting, 31, who with her husband owns three apartments in Hangzhou - two that they rent out while they live in the smallest one -- scrapped a plan to sell the apartment they live in with their two-year-old son to buy a bigger one near a good school after the introduction of government policies that raised second-home mortgage rates and down payment requirements.
現(xiàn)年31歲的潘婷和丈夫在杭州擁有三處房產(chǎn)，一間最小的自住，剩下兩處出租。夫婦二人有一個(gè)兩歲的兒子，他們原先計(jì)劃將現(xiàn)在住的這套房子賣掉，在好學(xué)校附近買套大些的住房，在政府提高了二套房貸款利率和首付款要求后，他們放棄了這一計(jì)劃。

Pan, a university teacher in Hangzhou, the capital of Zhejiang province, with an annual income of around 80,000 yuan, or a family income of 150,000 yuan a year, says the new policies made it too expensive to buy another apartment.
在浙江省省會杭州市當(dāng)大學(xué)老師的潘婷年收入約為8萬元，家庭收入約15萬元。她說，新政策的推出讓再買房變得太吃力了。

'I think the new policies will be effective in controlling housing speculation,' she said. 'I think the price will still go up steadily, but that it will not be this crazy in the future.'
潘婷說，我認(rèn)為新的政策將會有效控制房產(chǎn)投機(jī)，我認(rèn)為房價(jià)將會繼續(xù)穩(wěn)步上升，但未來漲勢不會再這么瘋狂。

In 2003, before she met her husband, Pan's parents bought a 120-square-meter apartment for her in Hangzhou. Similarly, her husband's parents bought him a 110-square-meter apartment in early 2004. The price for both apartments were around 7,000 yuan a square meter at that time.
2003年，當(dāng)潘婷遇到自己丈夫之前，她的父母在杭州給她買了一套120平米的住房；她丈夫的父母則在2004年年初時(shí)給他買了套110平米的房子。當(dāng)時(shí)兩處房產(chǎn)的價(jià)格都在每平米7000元左右。

In 2006, after they got married, they bought another apartment, at 60 square meters and at a price of around 12,500 yuan a square meter. This is the one they live in now. The rental income the get from the larger apartments, a combined 7,000 yuan, just covers the loans they have on those apartments.
他們夫婦二人在2006年結(jié)婚時(shí)以每平米1.25萬元的價(jià)格買了套60平米的小公寓，就是他們現(xiàn)在住的房子。每月出租兩處大屋的收入總計(jì)7000元，剛剛夠用來償還所有住房的貸款。

Before the new government policies, Pan was trying to sell the small apartment for 30,000 a square meter to buy a bigger one near a good school with bank loans. She thought that with a 30% mortgage on loans that banks were offering then she would be able to afford it. But the new policies setting higher rates for purchases of second homes made that prohibitively expensive.
在樓市新政出爐之前，潘婷曾經(jīng)試著以每平方米3萬元的價(jià)格把小屋出售，售房款加上銀行貸款可以讓他們在好學(xué)校附近買處大點(diǎn)的房子。她當(dāng)時(shí)認(rèn)為首付三成再加上按月還貸還是可以承擔(dān)。但是新的政策為二套房貸款設(shè)定了更高的利率，已使她的購房計(jì)劃變得昂貴得難以負(fù)擔(dān)。

After the new policies came out, 'I gave up my idea completely,' she said.
潘婷說，新政推出后，我徹底放棄了自己的打算。

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Jin Longyun, 30, is planning to buy his first apartment in the next few months. However, he wants to gauge the impact of recent government policies before making a move.
現(xiàn)年30歲的金龍?jiān)朴?jì)劃在未來幾個(gè)月購買自己的首套住房。不過，他現(xiàn)在決定在出手前先評估一下新政的影響。

'I will hold the fire for a while to see what happens with the property market,' Jin said.
金龍?jiān)普f，我打算暫時(shí)按兵不動，看看地產(chǎn)市場的情況。

The owner of an aquatic-products business lives and works in Qingdao, a coastal city in Shandong province but plans to buy the apartment in Yantai, where he is thinking about moving his business and where property is cheaper.
金龍?jiān)圃谇鄭u打理自己的水產(chǎn)生意，他雖然工作和生活在青島，卻有意在煙臺買房，他目前正在考慮將業(yè)務(wù)轉(zhuǎn)移到煙臺，而且這里的房價(jià)比較便宜。

He said: 'In the development zone of Yantai, I can spend 1 million yuan to buy a 200-square-meter apartment with ocean view. It is impossible to get this kind of apartment in Qingdao.' He plans to make a 40% down payment and take out a 60% mortgage.
他說，在煙臺開發(fā)區(qū)，我可以花100萬元買套200平米的海景房，在青島就絕對不可能。他計(jì)劃首付四成，剩下的六成貸款。

Once he buys the apartment, he joked, 'I will probably spend the rest of my life in Yantai.'
他開玩笑地說，要是真在煙臺買房了，我可能后半生就扎根煙臺了。