美国网友问：中国房价这么贵，为什么他们都还要买房子？

2021年，世界几个主要大城市的平均房价：香港：约21万/㎡；美国纽约：约17万/㎡；英国伦敦：约14万/㎡；新加坡：约10万/㎡；法国巴黎：约7.2万/㎡；日本东京：约8万/㎡；中国北上深：约6-7万/㎡。相信大家都了解我们本国的实际房价情况。中国作为21世纪以来经济增长最快的国家，一直备受全球关注。近期，海外版知乎Quora上，美国网友不禁问出：中国房价这么贵，为什么他们都还要买房子？许多或多或少了解中国的老外表达了他们的看法。

问题：中国房价这么贵，为什么他们都还要买房子？

菲利普：曾住在温哥华、伯纳比、高贵林、维多利亚、高登、多伦多、TBay

Not only in China, but the Chinese in Canada have the same mindset.The Chinese are the world's largest saver: well, in traditional Chinese families, most of their finances are handled by the mistress of the house.Usually, she is frugal and sensible to spend money, and I am sure she will save up before paying.

不仅在中国，加拿大的中国人也有同样的心态。中国人是世界上最大的储蓄者:嗯，在传统的中国家庭里，大部分的财务都是由房子的女主人来处理的。通常，她很节俭，花钱也很明智，我相信她会先攒钱再付钱。

What Chinese value is long-term investment: Chinese believe in planting trees, in other words, planting seeds that grow.

中国人看重的是长线投资:中国人相信种树，换句话说就是播种生长的种子。

The family culture of the Chinese people remains one of the most dynamic family cultures in the world, that is, the parents, grandparents and young couples live in harmony and enrich each other's lives.All of the resources come together.

中国人的家庭文化至今仍是世界上最有活力的家庭文化之一，即父母、祖父母和年轻夫妇和睦相处，丰富彼此的生活。所有的资源都集合起来。

I have met several young mothers in China, who all said: My mother or mother-in-law takes care of the house and the children.That's why she can work for long hours.

我在中国遇到过几个年轻的妈妈，她们都说:我的妈妈或婆婆照看房子和孩子。这就是她能长时间工作的原因。

In traditional Chinese culture, they reduce their investments to assets that almost never happened in human history: they invest in education, they spend money on jade jewelry, they invest in real estate, and they created a significant number of small Chinese emperors and previous one-child princesses.In some cases, six adults ran around the child like servants in the Mini-Forbidden City.

在中国传统文化中，他们把投资范围缩小到一些在人类历史上几乎从未出错的资产：他们投资教育、他们把钱花在玉石首饰上、他们投资房地产；由于之前的独生子女政策，他们创造了相当数量的中国小皇帝和小公主。在某些情况下，六个成年人像在迷你紫禁城的仆人一样围着这个孩子跑来跑去。

The six servants, mother, father, grandparents and parents, followed his / her orders.These little emperors and princesses have many legacy, potential real estate investors.Note in my words that most of the world's precious properties are already owned by the Chinese, or on the list, or certain assets will be marked in Chinese in the coming decades.It's just a matter of decades, they have cash, they love real estate, and they are born to play real monopoly games.

母亲、父亲、祖父母加上父母这六个仆人听从他/她的命令。这些小皇帝和小公主们坐拥很多的遗产，这些人都是潜在的房地产投资者。请注意我的话，世界上大多数珍贵的财产已经被中国人拥有，或者在名单上，或者某些资产在未来几十年将有中文标识。这只是几十年的问题，他们有现金，他们热爱房地产，他们天生就喜欢玩真正的垄断游戏。

In the Toronto suburb where I live, after immigration in Hong Kong, it is a mostly Chinese town (can you believe it?)。

在我住的多伦多郊区，在香港移民后，这里是中国人占多数的城镇(你敢信？)。

Most of the streets belong to the Chinese in one way or another: in Chinese cultural / family units, most are common family systems, repay existing, rent existing, and move to another bigger and better place.

大多数街道都以这样或那样的方式归中国人所有:在中国文化/家庭单位中，大多数都是共同的家庭体系，偿还现有的，租用现有的，然后搬到另一个更大更好的地方。

conclusion:

When you combine all the factors: super savings habits, within your means, a common family system, some children are at home like little Chinese emperors / princesses: sometimes six adults take care of a prince / princess: due to the previous one-child policy, mothers, fathers, grandparents and parents have only one grandson.He / she inherited all her savings and now he / she is building her own real estate empire.The modern little emperor and princess were richer than the last emperor, Pei, who died alone as a gardener.

结论:

当你把所有因素综合起来:超级储蓄习惯，量入为出，共同的家庭制度，有些孩子在家里就像中国的小皇帝/小公主:有时六个成年人照顾一个王子/公主:由于以前的独生子女政策，母亲、父亲、祖父母和父母只有一个孙子。他/她继承了所有的积蓄，现在他/她正在建立自己的房地产帝国。现代的小皇帝和小公主要比末代皇帝贝聿铭更富有，他以园丁的身份孤独地死去。

In China, millions of apartments / homes are left idle and bought by investors, hoping that they will one day make a lot of money on the investment.And they are likely to change their lifestyles with mass migration from rural to urban.

在中国，数以百万计的公寓/房子闲置着，被投资者购买，希望有一天他们能在这项投资中赚大钱。而且他们很可能会随着从农村到城市的大规模迁移而改变生活方式。

Even in the countryside, there may be two elderly people living in a large house because the children went to the city for school / work.The elderly parents tended the house for them.Hopefully one day their children or grandchildren will come back someday.

Even in small towns in China, a significant percentage of homes are locked, and even owners working in large cities hold the property.Because they don't want to lose their roots.

即使在农村，也可能有两个老人住在一个大房子里，因为孩子们去城市上学/工作了。年迈的父母为他们照看房子。希望有一天他们的孩子或孙子能回来。

即使是在中国的小城镇，也有相当大比例的房屋是锁着的，即使是在大城市工作的业主也会持有房产。因为他们不想失去他们的根基。

Millions of these suites are idle, and you barely see little light at night, in fact, most are owned by investors.Hope they / their children / grandchildren will come back.Or, in their opinion, it is the best way to store the money.

数以百万计的这样的套间闲置着，晚上你几乎看不到里面的灯光，事实上，大多数套间都是由投资者拥有的。希望他们/他们的孩子/孙子/孙女能回来。或者在他们看来，这是存放资金的最佳方式。

Over the next decade or so, Chinese / Chinese will have a significant impact on real estate around the world.In fact, where there are a large number of overseas Chinese, both Canada or the United States, already have a considerable impact.Of course, Chinese / Chinese are a major player in this game, welcome to the Toronto suburbs where I live, the University of Waterloo and WLU, campus, Vancouver and more.

未来十年左右，中国/中国人将对世界各地的房地产产生重大影响。事实上，在有大量海外华人的地方，无论是加拿大还是美国，已经有了相当大的影响。当然，中国/中国人在这个游戏中是一个重要的玩家，欢迎来到我居住的多伦多郊区，滑铁卢大学和WLU，校园，温哥华等等。

Never mind Beijing / Shanghai / Chongqing / Xi'an / They go out to buy a house here.They were afraid of buying it more expensive, which I had experienced personally because I was also part of the house-buying army.

别管北京/上海/重庆/西安/他们在这里全力以赴买房。他们害怕自己把房子价格买贵了，这我是有亲身经历的因为我也是买房大军中的一员。

Just ride around the University of Waterloo, and find out the real ownership of mega-buildings.

只要在滑铁卢大学转转，就能发现那些豪宅大房子的真正所有者。

I know Canadian financiers, and I will never believe that these mansions are individually funded by Canadian funds and exclusive to Canadians; they grow like mushrooms.The front man / man or woman / woman may not be the real owner.That is my point, but who knows the real story.

我了解加拿大的金融家，我永远不会相信这些豪宅是由加拿大资金单独资助的，而且是加拿大人的独家所有权；它们像蘑菇一样生长着。前面的男人/男人或女人/女人可能不是真正的所有者。这是我的观点，但是谁知道真正的故事。

罗汉：毕业于斯坦福大学

This question is very interesting, I believe that all over the world is very interested in the psychological idea of the Chinese people.Prices are high in China and many other Asian countries, so it is really surprising that most Asian families own their own.

这个问题很有意思，相信全世界所有人都对中国人的这种心理想法很感兴趣。中国和许多其他亚洲国家的房价都很高，所以大多数亚洲家庭都拥有自己的房子真的令人惊讶。

When I first arrived in China, it was hard for me to understand what it was all about.Looking at home prices in Chinese cities, homeowners pay ridiculously high prices for these homes.For the same money, you can buy a mansion in my hometown of Texas.

刚到中国的时候，我很难理解这是怎么回事。看看中国城市的房价，房主们为这些房子支付了高得离谱的价格。同样的钱，你可以在我的家乡德州买一栋豪宅。

I remember chatting to a successful Chinese businessman who loved telling stories and talking about his home country with common sense.I asked him, how can the Chinese afford an expensive house without complaining?

我记得和一位成功的中国商人聊天，他喜欢讲故事，用常识谈论他的祖国。我问他，中国人怎么能买得起昂贵的房子而不抱怨呢?

'Most Chinese have more than one house, and that is how they save their wealth.'

他笑着说，大多数中国人都有一套以上的房子，这就是他们储蓄财富的方式。

He pointed out that Chinese are not good at investing because they were given good spending habits at birth, but they were raised to contribute to society, get married, get married, and most importantly have their own homes.

他指出，中国人不善于投资，因为他们在出生时就被赋予了良好的消费习惯，所以他们从小就被培养成对社会有贡献的成员，结婚，成家，最重要的是拥有自己的房子。

For the Chinese, their home is their real security.

对中国人来说，他们的家是他们真正的安全港湾。

Chinese men must prepare a dowry for the bride and her family.The bride's parents get a dowry, usually in cash.As far as I know, even poor Chinese men who get married in rural areas will send at least a dowry worth 100,000 yuan.

中国男性必须为新娘和她的家人准备嫁妆。新娘的父母会得到一份嫁妆，通常是现金。据我所知，即使是在农村地区结婚的贫穷的中国男人，至少也要送一份价值10万元的嫁妆。

The minimum dowry may have risen to 200,000 yuan.Buying a house is more expensive, which is why many Chinese men need financial support from their parents and relatives to prepare for the wedding, because they also have to finance the wedding.

最低嫁妆可能已升至20万元。买房更贵，这就是为什么很多中国男人需要父母和亲戚的经济支持来准备婚礼，因为他们也必须为婚礼提供资金。

But the extravagant wedding offered the Chinese husbands an opportunity to cover their financial losses.Guests have to put their cash in red envelopes, and we are not talking about pocket money.Those invited to weddings usually place about a RMB1,000 or more in red envelopes.

但这场奢华的婚礼为中国丈夫提供了一个弥补经济损失的机会。客人们要把现金装在红包里，我们说的可不是零用钱。那些被邀请参加婚礼的人通常会在红包里放上1000元以上的红包。

They also have different requirements for their foreign husbands.When I married my wife, her parents insisted that me buy a house, but I didn't have enough money to save the family, so we reached a compromise and I agreed to buy a house near her hometown, in rural Shanxi, the value has doubled in five years.

对于外国丈夫，他们也有不同的要求。和我的妻子结婚时,她的父母坚持要我买房,但我没有足够的钱，为了挽救这个家,所以我们达成了妥协,我同意购买她的家乡附近的一个房子,在山西农村,五年来房子已经翻了一倍的价值。

For Chinese families, whether to have a house has become a matter of life and death.That is why it is the hardest time for the newlyweds to hold a Chinese wedding.

对于中国家庭来说，是否有房已经成为生死攸关的问题。这就是为什么到了举行中国的婚礼时是新婚夫妇最紧张困难的时候。

We can learn more about the Chinese enthusiasm for buying houses from Forbes magazine.According to "Forbes":

"Why so much liquidity is used to pay for relatively high house down payments is obvious: the Chinese are one of the best saving people in the world.In fact, China's savings rate is equivalent to 50% of its GDP, the third-highest savings rate in the world.Chinese people save almost 30% of their income, which is almost a cultural requirement, which is often used to pay the down payment for houses. —— This is the most important financial transaction for many Chinese people in their lives.”

我们可以从《福布斯》杂志了解到更多关于中国人购房热情的信息。据《福布斯》报道:

“为什么会有这么多流动资金用于支付相对较高的房子的首付，这是显而易见的:中国人是世界上最善于储蓄的人之一。事实上，中国的储蓄率相当于其GDP的50%，是世界第三高的储蓄率。中国人把大约30%的收入存起来，这几乎是一种文化要求，这些钱经常被用来支付购房首付等事情——这是许多中国人一生中最重要的一笔金融交易。”

China's housing market is not a bubble.The housing market will remain strong as all Chinese families believe that owning a house is necessary for cultural and social reasons.

中国房地产市场并不是泡沫。房地产市场将保持强劲，因为所有中国家庭都认为，出于文化和社会原因，拥有一套房子是必要的。