中英對照讀新聞》No 10 considers 50-year mortgages that could pass down generations 唐寧街10號考慮50年的抵押貸款 可以代代相傳

英國首相強森（左）與英國城鎮升級與房屋社區大臣戈夫（右）。（法新社檔案照）

◎周虹汶

Downing Street is exploring the idea of trying to tackle the housing crisis with ultra-long mortgages of up to 50 years that could pass between generations, allowing more people to build up equity rather than pay rent.

唐寧街正探索試圖藉著最高可達50年、且可代代相傳的超長時間抵押貸款來因應住房危機的想法，讓更多人能夠建立資產而不是只能租屋。

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Mortgage experts said the idea could bring some benefits but flagged problems, including the potential to saddle children with debt, and the fact it would not tackle the fundamental issue of housing supply.

抵押貸款專家說，這個主意可能會帶來一些好處，但也點出問題，包括可能讓孩子背負債務，以及無法處理房屋供給的根本問題此一事實。

Under the plan being examined by No 10, a longer mortgage period would allow people to borrow larger sums, with the possibility of passing the debt on, although it remains unclear what government action would make this happen.

在唐寧街10號正在考慮的方案中，一個更長的抵押貸款時期可以讓人們借貸更大金額，並且讓債務有可以傳承的可能性，雖然目前仍不清楚政府要採取何種行動讓這件事成真。

Other housing ideas being considered by Downing Street include trying to free up government-owned land for rapid homebuilding, and exploring whether institutions such as schools could build homes for key workers priced out of local areas.

唐寧街考慮的其他住房想法包括試圖釋出政府擁有的土地來快速興建住宅，以及探索是否如學校等機構能夠為被房價擠出當地區域的重要員工建造房舍。

新聞辭典

flag：動詞，標記、給…做標記。例句：The spellcheck program flags any words that are not in its dictionary.（這個拼字檢查程式會把不在其字典中的任何單字標示出來。）

equity：名詞，資產淨值。例句：We do not have enough equity in our home to use it as collateral for a loan.（我們的房子沒有足夠的資產淨值來當作貸款的擔保品。）

price out：價格出局。例句：When the cost of something becomes prohibitively high to a person, that person is said to have been priced out of the market.（當某樣東西的價格對某人變得過高時，這個人就被說成是被價格擠出市場。）

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