华尔街的赚钱经 第21期:美国买房正当时(1)

 　　The Current Situation ofBuying a House in the US美国买房正当时If you can borrow at 4.5% or 5% over 30 years, many purchases start to look appealing. Especially if we get a hefty dose of inflation down the line.

　　如果你能以4.5%或5%的利率获得30年的贷款的话，那么，许多购房计划看上去立刻就有了吸引力。如果接下来会出现较高的通货膨胀的话，就更是如此了。

　　美国房产.jpgIf that happens, your monthly payments will be low and you'd get to repay the principal over time with devalued dollars. That's a double win.

　　如果发生这种情况，你的月度供款会较低，你可以在一定时间内用贬值的美元逐渐偿还掉本金。这真是两全其美。

　　Inflation isn't guaranteed: The bond markets are only predicting about 1.4% inflation over the next 10 years, and BCA Research recently reminded clients that deflation, or falling prices, remains¹ a danger. Unemployment is still rising and recent wages actually fell.

　　通货膨胀不一定会发生：债券市场对未来10年的通货膨胀率预期只有1.4%，而 BCA Research最近提醒客户，通货紧缩的危险依然存在。失业率仍在上升，近期的工资水平实际在下降。

　　Yet if you had to bet from here, you'd bet on inflation in due course. The government is running massive deficits² and has the printing presses at full throttle³. That 's the classic recipe.

　　不过，如果你现在必须打个赌，你应该预计到一定时候会发生通货膨胀。政府现在有大量赤字，印钞机正在全速运转。这是传统的应对方法。

　　When it comes to house prices, it's true they may not have fallen as far as you might expect.

　　至于说房价，的确，它跌得可能不像你期待的那么多。

　　A recent analysis in the Financial Analysts⁴ Journal suggested prices nationwide still weren't cheap by historical standards in relation to household incomes.

　　Financial Analysts Journal最近的一个分析显示，以房价与家庭收入比来衡量，与历史水平相比，全美国范围内的房价仍不便宣。

1 remains   

n.剩余物，残留物；遗体，遗迹

参考例句：

• He ate the remains of food hungrily.他狼吞虎咽地吃剩余的食物。
• The remains of the meal were fed to the dog.残羹剩饭喂狗了。

2 deficits   

n.不足额( deficit的名词复数 )；赤字；亏空；亏损

参考例句：

• The Ministry of Finance consistently overestimated its budget deficits. 财政部一贯高估预算赤字。 来自《简明英汉词典》
• Many of the world's farmers are also incurring economic deficits. 世界上许多农民还在遭受经济上的亏损。 来自辞典例句

3 throttle   

n.节流阀，节气阀，喉咙；v.扼喉咙，使窒息，压

参考例句：

• These government restrictions are going to throttle our trade.这些政府的限制将要扼杀我们的贸易。
• High tariffs throttle trade between countries.高的关税抑制了国与国之间的贸易。

4 analysts   

分析家，化验员( analyst的名词复数 )

参考例句：

• City analysts forecast huge profits this year. 伦敦金融分析家预测今年的利润非常丰厚。
• I was impressed by the high calibre of the researchers and analysts. 研究人员和分析人员的高素质给我留下了深刻印象。