【多伦多星报110817】中国夫妻假离婚为买房

lilyma06

【中文标题】中国夫妻假离婚为买房

【原文标题】Couples fake divorces to buy homes in China

【登载媒体】多伦多星报

【来源地址】http://www.thestar.com/business/article/1040646--couples-fake-divorces-to-buy-homes-in-china

【译    者】lilyma06

【翻译方式】人工

【声    明】本翻译供Anti-CNN使用，未经AC或译者许可，不得转载。

【译    文】
Toronto’s real estate bidding wars may make acquiring a home tough. But it’s much worse in China.
多伦多的房地产竞购战可能使买房很困难，但在中国情况更糟糕。
There, some couples have to fake their own divorces so they can get third mortgages and bank loans to buy properties. And others are actually getting real divorces worried that a fraudulent divorce might come back to haunt them.
在中国一些夫妇不得不假离婚，这样他们才能获得第三方抵押贷款和银行贷款来买房。而其他人却越来越担心欺诈离婚可能回过头来困扰他们，最后导致真离婚。
In other cases, real estate agents are helping couples with forged marriage licenses and documents to prove local residency and allow buyers to purchase more properties.
其他情况下，房地产经纪人帮助夫妇伪造结婚证和文件来证明当地户籍，并允许买家购买更多的房产。
The strategies are all designed to thwart the Chinese government’s efforts to prevent a price bubble in the housing market. In recent months the government has taken dramatic steps to curb an ever escalating housing market, including limiting the number of properties a family can own.
这些都是旨在针对中国政府在房地产市场上阻止价格泡沫的对策。近几个月来，政府已经采取了很大的措施来遏制不断升级的房地产市场，包括限制一个家庭可以拥有的房产数量。
Owning residential property is a relatively new phenomenon in China with the acquisition of residential property beginning only 13 years ago.
拥有住宅物业在中国还是一个相对较新的的现象，刚在13年前之前才开始允许获得房产权。
Since then house fever has gripped the nation, coinciding with surging incomes. And it’s not likely to stop since China’s five-year plan allows for an increase in incomes by an annual average of more than seven per cent.
从那时起房地产热席卷全国，恰逢收入激增。随着中国每年超过7％的年均收入增长五年计划，这种热潮还不可能退去。
With more money in their pockets everyone wants to invest in property. Housing sales have surged 25 per cent in the first seven months from a year earlier and prices have climbed in 67 out of 70 cities monitored by the Chinese government.
人们口袋里的钱越来越多，所有人都想投资物业。前七个月房屋销售较去年同期激增25％，中国政府监控的70个城市中的67个价格有上涨。
So if a consumer wants to continue acquiring residential property he or she often doesn’t have much choice but to try to outmaneuver the government restrictions, observers say.
观察者指出，如果消费者想继续买房的话，他或她只能以计谋战胜政府限制，除此之外再无他法。
Take the case of Frank He. The 40-year-old Shanghai manager at a chemical company paid about $3,073 (Cdn) to get a forged divorce document so he and his wife of 10 years could get a loan for a third property they wanted to buy — a $1.84 million villa, reports Bloomberg. The forged document helped them get a loan that amounted to 60 per cent of the purchase prices.
以弗兰克为例，今年的40岁，一家化工公司上海经理，花了$ 3,073加元弄得一个伪造离婚文件，这样他和结婚10年的妻子可以得到他们想要买第三套房子——184万美元的别墅的贷款 。据彭博社报道伪造文件帮助他们获得购买总额的60％的贷款。
And it’s not just fake divorces that are being used by residential buyers. Chinese housing developers are throwing in a lot of incentives, including gardens and basements, to keep the housing market humming along. Others are helping buyers secure financing. For example, Singapore’ Pan Hong Property Group Ltd. also provides bank guarantees for some home buyers as well as loans, reports Bloomberg.
现在购房者不仅仅用假离婚来买房。中国房地产开发商采取了很多激励措施，包括花园和地下室来保证房市一直繁荣。其他人帮助买家获得资金来源。例如，新加坡泛港地产集团有限公司还为部分购房者提供银行担保和贷款。彭博社报道。
For its part the Chinese government has taken firm steps to make sure the housing market doesn’t get out of control, and limited the number of properties a family can own. It has also raised the minimum down payment for second-home acquisitions. And cities such as Beijing and Shanghai have said that a family can only own two apartments and only one if the family isn’t from the city.
就中国政府本身而言，采取了坚定的措施以确保房地产市场不会失控，限制一个家庭可以拥有的房屋量。也提出了购买第二套住房的了最低首付款。像北京和上海这样的城市，一个家庭只能拥有两套房，如果是外地人员只能购买一套房。
The government has also asked banks to cease giving loans to third-home buyers. It has also extended the requirement that all first-time home buyers put down a 30 per cent down payment.
政府还要求银行停止给购买第三套住房者提供贷款购房。同时还要求所有首次购房者降低首付的30％。
But this isn’t stopping the innovative consumer. Besides faking divorces some potential home buyers are using a registered business to buy property because the law only applies to families.
但这些不会阻止善于创新的消费者。除了伪造离婚了一些潜在的购房者还用注册企业来买房，因为法律只适用于家庭。
“Traditionally people in east Asia all have a passion to possess properties,” Liu Li-Gang, a Hong Kong-based economist at Australia and New Zealand Banking Group Ltd., told Bloomberg.
“传统的东亚人都有持有财产的热情，”刘丽刚，一个澳大利亚新西兰银行集团有限公司香港经济学家告诉彭博社。
“But economic theories also apply here. In eastern Asian countries we have less land with a high intensity of people. Properties are a scarce commodity, so if you enter the market early, there is a bigger chance of high returns.”
“然而经济理论也适用于此。在东亚，土地很少人很多。房产是一种稀缺商品，因此，如果你早进入市场，高回报的机会更大。”