Crypto Moves Into Housing 加密貨幣進軍美國房地產市場


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讀紐時學英文
2025/09/05 第553期 訂閱/退訂看歷史報份
 
 
紐時周報精選 Crypto Moves Into Housing 加密貨幣進軍美國房地產市場
Under a Drone-Swarmed Sky: Surviving in Eastern Ukraine 無人機密布 烏東軍民艱難求生
紐時周報精選
 
Crypto Moves Into Housing 加密貨幣進軍美國房地產市場
文/Matthew Goldstein
譯/江昱蓁

加密貨幣進軍美國房地產市場

The nation's largest mortgage finance firms will begin accepting crypto as an asset on a mortgage application, another significant step by the Trump administration to bring digital currencies into mainstream finance.

美國最大的抵押貸款融資企業將開始接受加密貨幣作為申請抵押貸款時的資產,這是川普政府推動數位貨幣進入主流金融體系的又一重要措施。

This week, President Donald Trump's housing director, William Pulte, said he would direct Fannie Mae and Freddie Mac — the nation's big mortgage finance firms — to consider homebuyers' crypto investments as part of their overall wealth in assessing whether they can afford a mortgage. Traditionally, a homebuyer's cash savings and stock investments are what mortgage lenders consider.

聯邦住房金融局局長普爾特本周表示,將指示美國兩大抵押貸款融資公司—房利美與房地美,在評估購屋者是否能負擔房貸時,將加密貨幣投資視為整體財富的一部分。傳統上,抵押貸款機構考慮的是購屋者的現金儲蓄與股票投資。

Fannie and Freddie, which are a critical cog in the housing market, buy mortgages from banks and establish a set of criteria for which borrowers' mortgages they will accept.

房利美和房地美是住房市場的重要樞紐,它們向銀行購買房貸,並制定可接受的房貸借款人資格標準。

The announcement by Pulte, director of the Federal Housing Finance Agency, on Wednesday comes as an increasing number of Americans have been using digital currencies to buy houses and new companies have formed to help them take advantage of their crypto holdings to buy real estate.

普爾特周三宣布這項消息之際,愈來愈多美國人開始使用數位貨幣購屋,也有新創公司成立來協助他們善用加密貨幣資產購買不動產。

The crypto market and its many supporters have been pushing regulators in this direction for several years, raising concerns among consumer advocates that this lightly regulated and highly volatile investment asset is being tied to something as vital to the economy as the housing market.

加密貨幣市場及其支持者多年來一直敦促監管單位朝這個方向前進,但消費者倡議團體則擔心,這種監管相對寬鬆、價格高度波動的投資資產,會被像房市這樣對經濟至關重要的領域綁住。

In a recent survey, roughly 14% of homebuyers said they planned to sell crypto assets to help get the cash to cover a down payment on a home, up from 5% in 2019, according to Redfin, the residential real estate brokerage company.

房地產仲介公司雷德芬最近調查,約14%的購屋者表示計畫出售加密資產以籌措現金支付房屋首付,比率高於2019年的5%。

Several startups are already pitching crypto as a way to cut through the market's current morass and jump-start home sales. One firm, Milo, offers investors a way to use bitcoin as collateral for getting a home mortgage.

已有幾家新創公司正推銷加密貨幣作為打破當前市場僵局、活絡房市銷售的一種方式。其中一間名為Milo的企業提供投資者使用比特幣做為抵押品,以獲得房屋貸款。

The interest tends to be a few percentage points higher than a normal mortgage, but the customer gets the benefit of not having to sell any crypto or pay capital gains. When the mortgage is paid off, Milo returns the bitcoin to the investor.

這種貸款的利率通常比一般房貸高幾個百分點,但客戶的好處是不用賣掉任何加密貨幣或繳納資本利得稅。一旦抵押貸款還清,Milo會返還比特幣給投資者。

Other firms are helping homeowners' tap their home's equity to buy crypto. The strategy is similar to so-called home equity investment contracts, which provide lump-sum cash payments to a homeowner in return for the right to share in the appreciation in a home's value.

其他公司則協助屋主利用房屋淨值購買加密貨幣。這種策略類似所謂房屋淨值投資合約,也就是一次性給屋主現金,換取未來房價增值部分權益。

 
Under a Drone-Swarmed Sky: Surviving in Eastern Ukraine 無人機密布 烏東軍民艱難求生
文/Maria Varenikova
譯/羅方妤

無人機密布 烏東軍民艱難求生

Even miles from the front line, anything that moves is a target.

即使距離前線數英里,任何移動的東西都是目標。

That's because as Russia's summer offensive gains momentum, it is increasingly relying on drones of all kinds to gain control over Ukraine's territory.

這是因為俄軍夏季攻勢逐漸增強,它愈來愈依賴各類無人機控制烏克蘭領土。

Under attack by drones, Ukrainian soldiers are struggling to maintain supply lines around the towns of Kostiantynivka, Pokrovsk and Kupiansk. There is greater peril for civilians remaining in their homes, and for the humanitarian groups trying to evacuate them. Some Russian drones strike at ranges up to 24 miles.

在無人機的攻擊下,烏克蘭官兵正努力維持康斯坦丁諾夫卡、波克羅夫斯克和庫皮揚斯克周圍的補給線。對於仍留在家中的平民,以及試圖撤離他們的人道主義團體而言,他們面臨更大的危險。有些俄軍無人機的打擊範圍可達24英里。

Senior Lt. Yevhen Alkhimov, a spokesperson for the 28th Separate Mechanized Brigade, said movement to and from positions now posed the greatest risk for his soldiers. Nightfall brought no safety because more Russian drones had thermal imaging cameras. Once at the actual bunkers and trenches on the front, "it is usually possible to work," he said.

烏克蘭第28獨立機械化旅發言人、上尉阿爾希莫夫表示,往返陣地間的行動現在對她的官兵構成最大風險。夜幕降臨並未帶來安全,因為許多俄軍無人機配備熱成像攝影機。他說,一旦抵達前線實體碉堡和戰壕,「通常就可以開始運作」。

The combination of drone strikes with aerial bombardments is devastating, soldiers say.

官兵們表示,無人機空襲結合空中轟炸是毀滅性的。

When the drones arrive, if there is greenery, it is easier for the troops to hide and then reach their positions, they say. If there is nowhere to hide, it's very hard to move.

他們說,當無人機到來時,如果有綠色植被,部隊更容易隱藏然後到達他們的陣地。如果無處可藏,移動就非常困難。

Many elderly and disabled civilians still live in these areas. Until they lose access to food and water, it is hard to persuade them to leave their homes, humanitarian workers say.

許多老年人和身心障礙者仍然居住在這些地區。人道工作者說,除非他們失去食物和水源,否則很難說服他們離開家園。

In Kupiansk, around 1,000 residents remain, according to government figures. Their homes are at constant risk from artillery, aerial bombs and drones, said Liana Shcherbyna, head of the Proliska Humanitarian Center in the Kharkiv region, which helps evacuate civilians.

政府數據顯示,約有1000名居民留在庫皮揚斯克。哈爾科夫州協助疏散平民普羅利斯卡人道主義中心,其負責人謝爾比娜表示,這些居民的家持續面臨火砲、空投炸彈和無人機造成的危險。

"Almost every day, there are civilian casualties," she said.

她說:「幾乎每天都有平民傷亡。」

In May, during one evacuation mission in Kupiansk, her team had to order people to lie down as drones were heard flying overhead.

五月,在庫皮揚斯克一次疏散任務中,她的團隊聽到無人機飛過頭頂,不得不命令人們趴下。

Despite repeated attacks near her home in Kupiansk, Vira Shapka, 86, a composer and member of the National Union of Artists of Ukraine, refused to depart when rescue teams returned in May.

儘管庫皮揚斯克住家附近屢遭襲擊,烏克蘭全國藝術家聯盟成員、86歲作曲家夏普卡在救援團隊五月重返當地時拒絕離開。

Although a large part of the population has been evacuated from areas close to the fighting, "a certain number of people still remain due to various circumstances, from reluctance to leave their homes to physical or psychological reasons," Shcherbyna said.

謝爾比娜表示,雖然大部分人口已從近戰地區撤離,「但仍有一定數量的人因各種狀況留下,包括不願離開家,及其他生心理原因」。

On the roads, evacuation teams report increased danger for their vehicles because of reconnaissance and exploding first-person-view drones. Ukraine lacks sufficient countermeasures.

在道路上,疏散團隊說,由於偵察和第一(人稱)視角炸彈無人機的威脅,他們的車輛面臨更大的危險。烏克蘭缺乏足夠的對抗措施。

 
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