富国贫民(一)- 预计澳大利亚无家可归之人将大幅度增加

12-15 32 11441 JESSICAACE
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Rental market failing many Australians, especially pensioners and students: RAI
By Katherine Gregory
Updated 29 Nov 2017

《房租负担指数报告》显示大量澳大利亚人已经无法承受租房市场的负担——特别是养老金领取者以及学生

Australia is in the grip of a housing crisis and the rental market is failing too many people — especially older women, according to the latest Rental Affordability Index (RAI).

澳大利亚目前已经陷入住房危机的深渊。 《房租负担指数报告》显示, 太多澳大利亚人尤其是年长女性,已经无法承受市场租房市场的负担。

The report, released today by the National Shelter, Community Sector Banking and SGS, found low-income households could no longer afford to live in metropolitan areas.
Pensioners and students were the most vulnerable, with some of them winding up homeless.Adrian Pisarski, executive officer of National Shelter, was involved with compiling the index and said there was, "virtually no affordable housing in any Australian city for people on low incomes". "This is now representative of a true housing crisis in Australia and a true market failure," he said.

国家住房所、社区银行部以及SGS公司在今天(2017年11月29日)发布了这份报告。 《报告》指出低收入家庭已经无法承受在都市地区的生活。 其中, 养老金领取者和学生是最为脆弱的人群——他们中的有些人最后沦落到无家可归。 对这份指数报告做过编汇的国家住房所执行总裁阿德瑞恩皮萨斯基提到:“事实上,低收入人群已经负担不起在澳大利亚的任何城市里居住了,”他说:“这表示澳大利亚存在着真正的住房危机和市场失调。”

Sydney remained the worst city to rent, bleeding some households of almost 90 per cent of their incomes.Hobart was the second worst area, due to the number of people there living on low incomes.And then it was glitzy holiday destinations like Noosa on the Sunshine Coast, or the Gold Coast in south east Queensland.

悉尼仍然是房租负担最重的城市——这里有些家庭饱受高房租之苦, 把收入的近90%花在房租上。 有着大量低收入人口的霍巴特是排名第二的困难地区。 一些旅游胜地紧跟其后, 比如阳光海岸的努撒或是昆士兰州东南的黄金海岸地区。

National RAI summary — metropolitan areas

《国家房租负担指数报告》概略——都市地区



Source: SGS Economics and Planning, 2017

来源:2017年SGS经济与计划

Mr Pisarski said problems arise when lower-income households spend more than a third of their income on rent. "We need to have the right incentives in place to encourage a build-to-rent sector in Australia," he said. "More and more Australians are likely to be renting."

皮萨斯基先生说,当低收入家庭房租支出超过收入三分之一以上时就会产生问题。

“我们需要引入恰当的刺激措施,鼓励澳大利亚发展出一个以出租为目的建造新房的市场领域,” 他说:“越来越多的澳大利亚人可能会租房住。”

"We are expecting that homelessness would have risen quite sharply," he said. "All of the reports that we get from services across Australia is their services are under increasing stress. "We know that there have been many reports about older people suffering from homelessness, older women in particular." In addition to urgent tax reforms to stop over-priced property investment, Mr Pisarski said the private sector needed to invest more in community housing.

“我们预计无家可归之人将大幅度增长,” 他表示:“我们在澳大利亚全国各处的服务机构(国家住房所)给出的报告全部都是——他们服务所承受的压力在不断增长。”

“我们了解到很多报告都指出了年长者无家可归的问题——尤其是年老的女性。”

'How could this happen to people like me?'

“这种事如何会发生在我这样的人身上?”



Rising housing costs are hurting low-income Australians the most, with the latest data showing the gap has widened in the past decade. Poorer Australians hit hardest

不断增长的住房花费对于澳大利亚的低收入人群伤害最大。 最新数据显示,贫富差距在过去十年里得到进一步扩大。 穷人受到的打击最大。

Plunging into homelessness can happen in the blink of an eye.

陷入无家可归的境地可能只在眨眼之间。

Julie, 61, experienced it first hand after having to leave her well-paid job."I could not deal with day-to-day things like paying my rent, just paying bills basically," she said.
"This led to me losing everything — house, car, you name it. "At the time I thought this was my own personal phenomena, how could this happen to people like me?
"But I don't think this is unusual, from what I understand these days."

对于这个问题,61岁的朱莉在离开一份薪酬不菲的工作后有了切身的感受。 “我应付不了那些日常的花费,比如付房租,基本上连账单都付不起,” 她说:“这让我失去了所有的东西——房子、车子,随便什么都没了。”

“那时我想这是我个人的经历。 这种事如何会发生在我这样的人身上? 但是根据现在所了解到的,我认为这种情况并不罕见。”

Her situation was exacerbated by struggles with anxiety and depression.But Julie, who did not want to give her last name, said Centrelink just was not enough to pay rent in Melbourne. "I couldn't afford to think about private rental, because I couldn't control my life," she said. "I became sleeping at friends, to actually going up to the high country and sleeping in cattlemen's huts."

焦虑和抑郁的折磨使她的情况进一步恶化了。然而朱莉(她不愿意告知自己的姓氏)说,福利署给的钱根本不够在墨尔本付房租。 “我没有能力考虑在私人市场上租房,因为我没有办法控制自己的生活,”她说到:“一开始我在朋友那里过夜,后来实际上去了边远乡村睡在牧人的牧棚里。”

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permanent traveller
there is going to be a certain percentage of the community no matter how hard they work will never never have money due to lack of financial ability.i have only ever worked in supermarkets as a self stacker.one of the lowest paid jobs you can get,yet i have just purchased my 19th property.when i used to date one of my jokes was i was so sick of meeting girls around 30 earning 80k a year (which was double my wage ) ,renting in richmond or sth yarra & all they had to their name was a credit card debt.needless to say i gave up on dating & have been travelling for 6 yearssaying this i have always been luck enough to be healthy & capable of work.

社会上一定存在一定比例的人,不管他们多努力工作,都会因为缺乏理财能力永远都赚不到钱。 我只在超市做过理货员, 这是你能找到的工资最低的工作之一。 然而我刚刚买了第19套房子。 以前我还跟女人约会的时候,有件事说出来是个笑话——我厌倦了见那些30左右,年薪8万(是我的两倍),住在瑞驰曼或者南亚冉这种高档社区,而她们名下所有的一切不过是信用卡卡债的女孩们。 不消说,我已经放弃约会,旅行了六年之久。 话虽如此, 我一直够幸运可以保持健康和工作。

@permanent traveller good to see when you retire you safe and have cash planned ahead

看到你能安然退休,并且提前准备好现金是件好事。

QueenV
My sister has just told me they are buying an investment property. I am 42 and just in my first home. I found it hard to encourage her when she tells me she needs more money, I said you are the reason people cant afford homes here. Ignorant of our financial system she doesnt understand. It galls me to be honest, we worked very hard to get into our little first home. It will likely be our only for a very long time. Its sad that people are rewarded for pushing others out into the cold.

我姐姐刚刚告诉我他们要买一个投资房。 我今年42了,刚住进了我的第一套房。当她告诉我她需要钱的时候,我觉得自己很难去鼓励她。我跟她讲你是人们买不起房的原因。 不用去理会我们的财政系统,反正她不懂。老实说,我很恼火。 我们工作这么努力才住进了第一个小房子。 在很长的一段时间里,这可能就是我们唯一的房子了。某些人把别人推出去在寒风中度日,然而这些人却能获得奖赏。 这真悲哀。

Darwinstubbie
Thank you APRA for actively discouraging mom and pop investors investing in properties for the rental markets.

感谢APRA (澳大利亚一个银行与建筑行业的监管机构)积极阻挠爸爸妈妈们投资租用房。

Anita5
I have been considering this issue for at least a decade and a government with a will to solve it could. The government could lease properties from landlords and sublet them to people on low incomes or centrelink payments.
I think this would be a win/win. It would relieve the risk to landlords that they face when leasing to people on low incomes, whilst providing security for tenants on low incomes. It would reduce the cost of centrelink payments at least by the amount deemed "rental allowance " which might benefit taxpayers.
I think the benefits to society would be overwhelming.

这个问题我至少考虑了有十年, 如果政府有心就肯定能解决问题。政府可以把从房东那里租房,然后把它们转租给低收入人群或者福利领取者。 我觉得这会是一个双赢的方案。 这可以让房东免于负担把房子租给低收入者的风险, 也可以给那些低收入的房客们提供一种保障。同时还可以减少福利署的花费——至少可以减掉“租房补助”的那部分, 这对纳税人也有利。

我觉得这些好处将对社会影响巨大。

@Anita5
No politician will be without a property portfolio by 2019

然而到2019年(下一次大选之前)没有哪个政客家里会缺几套投资房的。

RubyH
I was renting a house during my working life and was unable to buy a house because I could not save the deposit. The rent I was paying was pretty close to half my wage. I was also paying for my child's schooling at a Catholic school, paying off a car (and another when the first one was paid off and needed replacement), and then I was made redundant. After being unemployed and not likely to find a job, I made my own employment by becoming a cleaner. I had to have knee replacement ops and could not keep going at cleaning, Now I am retired, on a pension and not any better off financially. I was a single mum since my child was just over one year old. I think that I did the best I could under the circumstances, but not unique to me. A lot of women are in similar situations.

我工作的那些年里一直都是租房住。 因为没有能力攒够首付我买不起房。 我支付的房租占薪水的近一半。 我还要支付孩子在天主教学校的费用, 还分期付款买了一辆车(当第一辆车贷款付完需要换时又买了一辆)。 然后我被裁员了。失业之后,因为不太可能找到一份工作,我便做起了自雇的清洁工。 由于必须做膝盖骨置换手术,我不能继续干清洁了。 现在我退休了, 靠养老金生活, 在经济上并没有更好。 在孩子刚一岁的时候我就成了单亲妈妈。 我觉得在条件允许的范围内,这已经是我努力来的最好结果了。 然而我的情况并不罕见, 很多妇女都跟我情况差不多。

GoldenLily
Australia is actually not alone. While I do not specialize in this topic, I have read of 'crisis point' in Germany (high rents and where the rents are not high enough for the investor, the old people will be 'made' to leave), in Brazil they are 6 million residences short. If I cared to look elsewhere I'd probably find more countries.
The system and governments want to have their cake and eat it, too. They want a flexible lowly paid workforce for international competitiveness. But wage stagnation does not build up capital for a dwelling and now it's not even enough for rent?!
One man's flexibility is another man's insecurity. They need to have a good look in the mirror and young women in particular need to assess very carefully if it makes long term sense to have children.

澳大利亚这种情况并不是独有的。 虽然我在这个问题上并不是专家, 但是我曾读到过德国的“危机时刻”(德国房租也高。 如果房租对于投资者来说不够高, 老年人就会被“请”出去)。 另外巴西也缺少600万民宅。 如果我有心看看其他地方恐怕会发现更多国家面临这种问题。
我们的制度和政府也希望能在住房这块蛋糕上分一块他们的利益。 他们希望我们能保持一个工作时间灵活,收入较低的劳动者群体,增加我们的国际竞争性。 然而工资停滞让大家存不够钱买私房, 现在居然连租房都不够了?
一个人享受的灵活制度会同时也是另一个人不安全感的来源。 他们需要在镜子里好好看看打量一下自己。 特别是年轻女人, 她们需要非常慎重地思考,从长远利益来讲,生小孩是不是值得去做的一件事。

Geoff5
The genuine poor and needy have to be pitied BUT there are vast numbers of people 'out there' who refused to save for their retirement and are now crying...'Poor me!' Sadly the current generation of young lives for the moment and an even bigger crisis looms large for them down the track. Agree?

那些真正贫穷和需要帮助的人值得我们同情。 然而, 社会上有很多人拒绝为自己退休后的生活储蓄, 现在他们开始哭了......"我好可怜!"令人悲哀的是, 现在的年轻人都活在当下, 所以对他们来说以后会遇到更大的危机。 同意我的看法吗?

SomeGuy
When my parents split my mother spent 10 years renting. She just bought her own place. She's 54 y.o. and only owns 50% of her house. That means another 20 years work before retirement. I worry for her.

我父母分开后,我妈妈租房住了10年。 她刚刚买了自己的房子。 然而她今年54岁了, 只拥有房子50%的资产。 这意味着她还要再工作20年才能退休。 我很为她担心。

SMorgan
If you are a pensioner and don't own home you have only 1 person to blame. Barring things like cancer of course. Now due to a lifetime of financial ineptitude I must feel sorry for you? Or worse pay more taxes to fund your pensions. Pensions are meant to be a safety net not an entitlement.

如果你领着养老金还没有自己的房产,那么你只能埋怨一个人——像得了癌症这种情况除外。 因为你一辈子都没有理财的能力, 所以我必须要同情你?更糟的是我还必须要付更多的税来为你的养老金买单。 养老金应该是最低保障,而不是什么优待权利。

Curlywurly1
@SMorgan Did you know that the last census showed that only 31% of Australians own their own home outright? And that there has been a 25 year decline in home ownership rates? There are myriad reasons for this, however I'm pointing it out to you because I assume you are one of the lucky 31%. For the remaining 69%, they are not so lucky.
Unfortunately that statistic will likely continue to decline given the current economic environment where house prices continue to rise, wages are stagnated, part time and casual employment is becoming more common and successive governments do virtually nothing to address the situation.
I'm no genius, but looking at the statistics, I'd say it suggests that it's not quite as easy to own a house as your comment makes it sound. If it was, the statistic would be 100% of Australians own their own home. My point is, it's easy to judge others from an ivory tower.

那你知不知道上次人口统计数据显示只有31%的澳大利亚人拥有还清贷款的房子?而且房产所有率已经连续25年下滑了?原因当然有很多。 但是我在这里跟你指出这点的原因是因为我觉得你是那幸运的31%中的一员。 对于剩下69%的人, 他们就不那么幸运了。 遗憾的是,由于目前的经济环境,房产价格还会继续攀升, 工资增长却处于停滞状态, 兼职和临时工渐渐成为常态,而继任政府面对这种状况又完全不做任何事, 这个数据可能还会进一步下滑。
我不是什么天才, 但是看看这些数据, 我敢说数据显示拥有一套房子并不像你评论里说的那么容易。 如果真那么容易, 那么数据应该是100%的澳大利亚人都拥有自己的房产。 我想说的是,不食人间烟火之人怎知他人疾苦。

SMorgan
@Curlywurly1SMorgan I'm 27 with a current LVR of under 50%. What is lucky about getting a job, living within your means and buying a house you can afford?
House price are drastically overprice with respect to wages and that has to change but even in this market young people can buy houses.

我今年27岁, 银行贷款不超过50%。 找一份工作, 不过度消费,买一个自己能负担的起的房子跟幸运有什么关系呢?尽管房价和工资相比过度虚高, 必须要有所改变,但就算在这个市场上年轻人还是能买的起房。

Greg88
@Curlywurly1@SMorgan 31% owning outright is a great result, I would've though it was less. Owning a house requires many years of sacrifice, dedication and effort, starting at a level you can manage but it pays off when you're older and would otherwise be homeless. You make your own luck, or at least improve it.

31%还清贷款完全拥有房产的比率是一个很棒的结果。 我本以为会更低。 拥有一套房子需要你付出多年的牺牲、坚持和努力,要在你能控制的范围内开始行动, 但是等老的那一天你的付出会有回报,不至于无家可归。 你的运气由自己创造, 或者你至少可以改善它。

Activist2653
So, "things like cancer" are the only things you can see that might cause someone to not be able to buy their own home? Geez! How about the thousands of women who have escaped family violence who are just managing to keep a rented roof over their childrens heads ( and the thousands who are currently not able to) . There are a multitude of reasons why people have not been in a position to buy. Your statement is simplistic and ignorant. Please educate yourself.

照你这么说,“得了癌症这种情况”是你能看到的唯一使人买不起房子的原因?天哪!那些成千上万从家庭暴力中逃离出来,勉强给孩子们租间房子遮风挡雨的女性(以及成千上万目前连这都无法做到的女性)怎么算呢。 人们买不了房子的原因有很多。 你的说法真是简单粗暴。 你应该教育一下自己。

SMorgan
@Activist2653 Ok, I'll break it down for you, "Thing like Cancer" means things that happen to a person that are out of their control. These are life effecting things that could destroy anyone's finances. Do women fleeing domestic violence fit into this category? I you feel like they do then what are you complaining about?
Is it because I am advocating for personal responsibility, something that communists are not very fond of?

好吧, 我帮你分析一下。 “得了癌症这种情况”是说发生在一个人身上不能被掌控的事情。 这些事会影响到人的一生, 会毁掉所有人的财务。 女人觉得家庭暴力属于这类吗?你我都觉得是那你还抱怨什么?
是不是因为我在捍卫个人责任——喜欢吃大锅饭的人不喜欢这东西?

Justamum
@SMorgan attitudes like yours are the norm. Many decent people whose lives have been turned upside down through illness and/or domestic violence plus a host of other unforeseeable circumstances don't have the luxury to look down upon others.

你这种观点很普遍。 很多人因为生病,或者家庭暴力还有其它很多不能预见的因素生活彻底改变了,他们可享受不了鄙视其他人的这种奢侈。

[url=mailto:SMorgan@Justamum[/url]SMorgan[/url]SMorgan@Justamum[/url]SMorgan[/url[/url]]
@Justamum @SMorgan Attitudes like yours are the norm, I want a new Iphone, holidays every year, big TV and a nice car. If I was a low income earner I wouldn't be paying $940 a fortnight for rent, I would find somewhere cheaper. No one is forcing you to live there, but then you would miss the luxury of complaining about everyone with your hand out. BTW I made the exception for people with things like cancer (unforeseeable events that can turns lives upside down) or don't you think domestic violence counts?

你这种观点很普遍——我想要一个新的IPHONE, 每年都要度假,要大电视,还想要辆好车。 如果我收入低,那我就不会每两周付940澳元租房子, 我会找更便宜的地方。 没有人强迫你住在那里,然而你又放不下抱怨各种人让你福利不够用的生活。 另外, 我说过像人们得了癌症这种情况除外(不可预见可以彻底改变生活的事情)。 或者你觉得家庭暴力不属于这种情况?

SirAlfred
I feel this is a matter that has not been researched to well, as a pensioner and one of two, we are paying and have been now for 5 years 54% of our government income and the subsidy given by the government covers 2.6 days a fortnight we have to pay the rest out of our pension, as no government housing is available for next 10 years and we will both be dead by then.
And we are only one couple of 6 in our street alone in the same boat.

我觉得这个问题并没有得到很好的研究。 我是一个养老金领取者,我老伴也是。 我们在过去的五年里花在(租房上的钱)占到政府(发给我们)收入的54%, 政府每两个星期发的住房补贴只够2.6天的房租, 剩下的必须要用养老金来付。 另外在今后10年里政府都提供不了公屋,而且再过10年我们都该死了。
而我们只是这条街上拥有相同窘境的六对老人中的一对。

Greg88
61, well paid job, where did the money go?

61岁,薪水不菲的工作, 钱都花哪儿了?

LimeyWimey
@Greg88vHouse, car. It's in the article.

房子、车子,文章里写了。

Greg88
@LimeyWimey
What house? If she had a house she wouldn't be homeless and to lose the car, it was probably under finance - 61, well paid job, where did the money go? It's in the article. Some people make wiser decisions than others.

什么房子?如果她有房子就不会无家可归,失去汽车了。 她可以用房子来转贷 —— 61岁, 薪水不菲的工作, 钱都花哪儿了?在文章里。 有些人做决定会比另一些人明智。

flashmanthecat
More words, more words, more words - but absolutely no action.

就会说说说, 然而什么行动都没有。

Torton
Anyone over 50 who is single and unemployed/pensioner is hardest hit because there is no single accomodation available and you cannot even get into shared accomodation if you are this age.

任何50岁以上单身且失业/领取养老金的人都会受到最沉重的打击,因为没有单人住房。 而且在这个年龄你就算想和人合租都不可能。

Tennessee Ted

Wow they must have over looked as young adults that they too would grow older and fail to make provision for some kind of life apart from social welfare , good thing the rest of us plan our old age ,regular overseas trips, help the kids with a home deposit but miss out on the pension becouse we were frugal and planed in advance.

喔! 这些人年轻的时候一定没太考虑过自己有一天也会变老的事实, 没为以后能拥有一定的生活质量做过任何安排——除了领社会福利。像我们这些其他人安排地好好的,为老年生活提前规划, 控制国外旅行的次数, 帮助孩子付首付——然而却因为太节俭,太未雨绸缪领不了养老金。

Justamum
@Tennessee Ted congratulations on your forsight but please understand that for some people, life has shifted in unexpected ways. Some poor decisions were made perhaps but for the most part with the best intentions with the information available at the time.

祝贺你的未雨绸缪, 但是请你理解,对于有些人来说生活滑向了他们未曾期待的方向。 可能他们做了一些不好的决定, 但是绝大多数决定的确是带着最好的意愿做出的, 只不过受限于当时的所有的信息罢了。

Plucky
Many older people are being pressured or bullied out of their jobs when they get over 50. If you have not prepared both financially and, more importantly, emotionally these dire circumstances can easily arise. It is not right but it is a fact of life. It is institutionalised in large organisations, especially government agencies. I have seen this first hand, many times over.

很多年长的人在超过50岁以后会受到压力或者欺负而离开他们的工作。 如果你没有做好财务准备以及更重要的心理准备, 那么这种窘境会很快发生。 尽管这是不对的,但这就是生活。 在大公司里,尤其是在政府机构, 这已经是制度化的做法。 我亲眼见过, 很多次。

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