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倒房:不是你的菜 别去揭锅盖
Property flipping is not an average joe’s job

 
 
随着大多伦多地区房价持续飞涨,炙手可热的倒房利润成了投机者们趋之若鹜的追踪目标。据安省政府称,多伦多去年完成的公寓销售交易中有8.5%涉及倒房,在大多伦多和汉密尔顿地区约有12.1万人拥有一套以上住宅物业,数量比2006年增加了一倍有余。

Amid the dazzlingly growth of home prices in the GTA, home flipping has drawn remarkable interest from investors and speculators alike. According to the provincial government, in Toronto last year, 8.5 per cent of condo sales transactions were flips, and some 121,000 homeowners held more than one residential property in the Greater Toronto and Hamilton Area, more than double the 2006 figure. 


而这一愈演愈烈的炒房行为以及由此带来的令人惊叹的高盈利在多伦多市中心查尔斯大街上矗立的一栋引入注目的公寓大厦上得到了充分体现。X2公寓大厦,这栋高达49层的玻璃塔楼为公寓炒家创造了利润极为丰厚的炒房市场,因此吸引了大量投机者。《环球邮报》的调查显示,约有21%的X2公寓单位在两年内易手,炒房者从中收获的平均毛利高达$126,398元,也就是说,每把持公寓单位一天就可为炒房者带来$478元利润。

Highlighting the property flipping practices and the dazzlingly profits generated from it were the investments in one of the hottest buildings in Charles street downtown. Dubbed as X2 building, the 49 storey glass tower has become a lucrative market for condo flippers and attracted speculators in droves. A Globe investigation reveals that about 21 per cent of units were sold again within two years, with unit flippers reaping an average gross profit of $126,398 – or $478 for each day while the units were in their hands.


有轶事证据显示,X2公寓单位的许多炒家都是认为加国房地产市场具有巨大增长潜力,也会像中国腾云直上的房市一样让投资者一夜暴富。在这其中亦包括某些刚刚抵埠加国,面临语言障碍和就业挑战的新移民,他们将倒房视为寻求致富之捷径。

Anecdotal evidence indicates that many X2 flippers have a Chinese background who believe that the Canadian real estate market has an enormous potential for growth, just like the remarkable run of the housing markets in China that had turned investors into millionaires overnight. Some investors were newcomers in Canada, who, facing language barriers and job market challenges, see home flipping as an easy and quick path to prosperity and wealth.


一名房产经纪人称:“在加国没有哪份工作的收入能和倒卖房屋的获利相比。许多新移民都放弃找工作而以倒房为谋生手段。”

“No jobs in Canada can bring you the money in the same level as the profits by flipping properties, “ said a realtor, “To make a living in Canada, many newcomers choose to give up seeking employment but resort to property flipping”.


在短时间内持有房屋的倒房行为实际上是利用股票交易策略,并主要依赖于市场时间机制获利。一个成功的房产投机者必须在贪婪中卖出而在恐惧中买进,也就是必须在大多数人想卖出时有勇气和毅力购入,在他人想买入时果断将手中房产卖出。

Property flipping practices -- with short-term of home ownership -- use stock trading strategies and mostly rely on market timing. A successful real estate speculator must sell greed and buy fear – he or she must have the courage and discipline to buy property when everyone else wants to sell, and sell when everyone else wants to buy. 


但是,由于被从众心态束缚,大部分倒房者的做法似乎恰恰相反。房产经纪公司Realosophy的研究显示,在2016年,疯狂的买家已将大多伦多地区的房价推高至就连疯狂上涨的租金都无法弥补房屋开支的地步。但凭着卖房能带来获高利润信念,投机者还纷纷加入倒房行列。奥克维尔和万锦等一些华人密集的社区都出现了大量空置房屋,使当地陷入空房危机。

However, most flippers are gripped by herd mentality and just doing the opposite. According to a study by brokerage firm Realosophy, in 2016, frantic buyers bid up purchase prices in GTA to the point where even surging rental prices could not cover the expenses. But a flood of speculators jumped on the bandwagon -- based on an assumption that bigger gains would come from the sale of the property later on. As the number of empty homes rapidly rises, several communities with high concentration of Chinese Canadians – including Oakville and Markham -- face a vacant home crisis. 


实际上,每月的房贷还款和水电费开支已令许多购房者出现买家懊悔情绪,并迫使他们放弃倒房梦而彻底退出房市。加拿大帝国商业银行的一项调查显示,有81%的千禧一代房主因为变成贫困房奴而打算出售房屋,其中有63%的人表示房贷和住房成本导致他们现金耗尽。

In fact, the monthly mortgage payments and utility expenses have left many homebuyers experiencing buyers’ remorse, forcing them to back out from the market altogether. According to a CIBC study, 81 per cent of millennial homeowners are looking to sell because of house poor, with sixty-three per cent saying their mortgage and housing costs are only leaving them drained of cash.


倒房虽看似有利可图但却是一个极为不稳定的行业,也并非是一个随便什么人都可以轻易从事的职业。当你深陷恐惧和焦虑,并无法做出理智决策时,致富梦想很快就会变成发财噩梦,倒房者也会因此落得倾家荡产的地步。事实上,研究表明只有不到4%的人具备股票交易者的素质或能以倒房为生。

The seemingly lucrative practice of home flipping is a highly volatile business and isn’t an average Joe’s job. When fears and anxiety get the best of you and take over rational decision making, the dream of financial prosperity can quickly turn into a nightmare, leaving home flippers to lose their shirts.  In fact, study shows that only less than 4 per cent of the population can fit into a trader profile or cut out for the job as a home flipper. 
 
 
 

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