三星证券公司房产分析员 Wee Liat Lee说：“未来形势仍不明朗，所以买房者还是处于观望状态。”
"The outlook is still pretty uncertain, so buyers are staying on the sidelines, " said Wee Liat Lee, a property analyst at Samsung Securities.
对买房者来说可能也是条好消息。
最近的买房者也会觉得自己做了亏本生意。
那些准备买房者一定要注意现在房产界的泡沫了！
Those potential home buyer must mind a few bubbles in estates market.
但是这也很可能让信誉良好的借贷者尤其是首次买房者和个体经营者不能受益。
And there is also a risk of excluding creditworthy borrowers, particularly first-time buyers and the self-employed.
大多数新建住房都是毛坯房，这就意味着买房者要进行卫生间等设施的装修。
Most apartments are delivered bare, meaning buyers must outfit them with basics such as bathroom fixtures.
他指出： “这和买车不同，买房者在花这么大一笔钱之前通常会考虑更久。”
“It’s not like buying a car,” he notes. “House buyers tend to wait for much longer before they think about spending so much money.”
但现在价格跌幅是如此之大，以至于买房者都可以直接跳过公寓阶段去买独栋住宅了。
But prices have now fallen so far that buyers can skip the flat and go straight to a family home.
相反，抹去优惠税率，比如那些给予买房者的优惠税率，可能会使税收系统更具完善。
Instead, scrapping tax breaks such as those given to home-buyers could make the tax system more progressive.
同时该法案也为首次买房者提供税收抵免以及为把研发岗位留在美国而提供减税政策。
There are also provisions in this legislation that would extend the tax credit for first-time homebuyers, as well as tax cuts to keep research and development jobs here in the United States.
不管怎样，是银行不愿借款的行为才使住房市场到这样的地步，而不是买房者不想买房。
In any case, it is Banks' reluctance to lend, not a buyers' strike, that has the housing market on its knees.
房地产市场在衰退，房价在下跌，违约人数破历史纪录，很多贷款买房者取消了赎回权。
What's happening is the housing market is dropping, home prices are falling, people are defaulting in record numbers, and there are foreclosures.
刚结婚在上海工作的陈小姐，是一个典型的在现今市场下买不起房而被迫租房的潜在买房者。
Lily Chen, a newly married office worker in Shanghai, is typical of potential home buyers who have been priced out of the current market and forced to rent.
全部或部分购买住房，然后返租给买不起房的人，议会和住房协会将能够以这种方式来帮助身处困境的买房者。
Councils and housing associations will be able to help struggling homeowners by buying all or part of their homes and leasing them back.
三星证券公司房产分析员Wee Liat Lee说，“由于未来形势不明朗，买房者还是处于观望状态。”
"The outlook is still pretty uncertain, so buyers are staying on the sidelines, " said Wee Liat Lee, property analyst at Samsung Securities.
由于这种数据很难与大城市中买房者花出的令人头疼的价格相一致，于是人们对这种国家发布的数据已经失去了兴趣。
That was hard to square with the head-splitting prices homebuyers were paying in the big cities. People stopped paying attention to the national index.
不过，房价正在触底的想法正促使夏风（音）等买房者认为最低迷的时期可能已经过去。 夏风是上海一名33岁的银行职员。
Still, the perception that prices are bottoming is causing home buyers like Xia Feng, a 33-year-old bank employee in Shanghai, to think the worst may be past.
美国买房者获得信贷肯定不成问题。美国联邦住房管理局为太多可疑的抵押贷款提供了担保，其储备资金已低于法律要求的水平。
For America's homebuyers, credit is certainly available. The Federal Housing Agency has insured so many dubious mortgages that it's already fallen below its legally-mandated reserves.
一些案例中，房地产开发商扩大了买房者可从银行得到资金的贷款基数，使买房者能够得到高达房屋价值90%的贷款，但这一做法并不普遍。
In some cases, property developers have extended loans that 'top up' the funds home buyers get from Banks, allowing a buyer to borrow as much as 90% of a home's value, but the practice is limited.
购买兴趣主要来自于，现在的房产拥有者希望搬家，而那些买房用来出租的投资者也开始关注住房。
The majority of interest came from current owners looking to move house, while buy-to-let investors were also beginning to look at properties.
在贷款买房时，贷款者并未考虑到自身的行为对抵押品限制的影响，而这一影响的最终后果又会影响到其他人。
When they take on debt, borrowers fail to take into account the effect of their actions on the collateral constraints faced by others.
在美国，对于大批起初不该买房，而且未来没能力买房的消费者来说，这次经济危机标志着一个结构性变革。
In America the crisis marks a structural change for a swathe of consumers who should not have bought properties in the first place and will not be able to in future.
他们的研究必然做了很多大胆的假设，最显著的是，租房者们没拿他们攒下的钱买房，正是非常有自制力的表现。
Their study necessarily makes lots of heroic assumptions—most notably, that renters will be utterly disciplined about investing the cash they save by not buying a home.
他们的研究必然做了很多大胆的假设，最显著的是，租房者们没拿他们攒下的钱买房，正是非常有自制力的表现。
Their study necessarily makes lots of heroic assumptions—most notably, that renters will be utterly disciplined about investing the cash they save by not buying a home.
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