Name: 川普為何要大家2026年別買房？原因竟然是這個！ (This is Why Trump Just Told Everyone NOT To Buy a House in 2026)
Uploaded: 2026-01-09T18:21:51.000Z
Duration: 15 min 44 s

祈使句型

Do not buy a house until you watch this video first.

在看這支影片之前，千萬別買房。

to 不定詞

The housing market is finally about to collapse.

動名詞

Donald Trump just announced that he will be banning corporate investors from buying single family homes in an attempt to make it much more affordable for the average American to buy a house to achieve the American dream.

根據川普的最新宣佈，他將禁止公司投資者購買獨棟房屋，試圖讓一般美國人更容易負擔得起房屋，實現美國夢。

Buying a house is essential to achieve that American dream.

But Wall street has been massively buying single family homes across America, which is one of the major reasons why housing is so unaffordable in America.

但華爾街一直在美國大量收購獨棟房屋，這也是美國房價高到難以負擔的主要原因之一。

So here in this video, I want to try to answer a few questions.

所以在這支影片裡，我想試著回答幾個問題。

Will Trump's decision crush the housing market by the end of the year?

川普的決定會在年底前讓房地產市場崩盤嗎？

How exactly Wall street is controlling the housing market?

華爾街到底是如何操控房地產市場的？

And finally, what will be Donald Trump's next move to make housing affordable in America?

最後，川普接下來會有什麼動作來讓美國的住房變得負擔得起？

So if you're ready, give this video a thumbs up.

所以，如果你準備好了，請給這支影片一個讚吧。

The problems with the housing market started right after the 2008 financial crisis when house prices dropped by about 40%.

房地產市場的問題，始於 2008 年金融危機之後，當時房價下跌了約 40%。

Prior to that, there has been so many developers building so many houses that there was an oversupply of houses in the market.

在那之前，有太多開發商蓋了太多房子，導致市場上房屋供過於求。

But when house prices crashed, a lot of developers went out of business and they closed their doors, which means that they no longer build houses.

但當房價崩盤時，許多開發商倒閉關門，這意味著他們不再蓋房子了。

Secondly, when house prices dropped by about 50%, people didn't find a good reason to continue making their mortgage payments since people bought those houses on mortgages.

第二點，當房價下跌約 50% 時，人們覺得沒有理由繼續支付抵押貸款，因為他們是用抵押貸款買房的。

So they sold their houses at a fraction of the price.

所以他們以極低的價格賣掉了房子。

And that's the opportunity that Wall street realized, why don't we simply buy these houses at a fraction of the price?

這就是華爾街意識到的機會，為什麼我們不乾脆以極低的價格買下這些房子呢？

Over time, house prices are going to stabilize, especially when the government got in with quantitative easing.

隨著時間過去，房價會穩定下來，特別是當政府推出量化寬鬆政策時。

And, and when house prices stabilized, these houses became an essential source of rental income for Wall Street.

然後，當房價穩定後，這些房子就成了華爾街主要的租金收入來源。

At the same time, because most of the developers went out of business, a shortage of houses started hitting the market.

同時，因為大部分的開發商倒閉了，市場開始出現房屋短缺。

That gave much more leverage for institutional investors.

這讓機構投資者有了更大的槓桿空間。

And there is a huge difference between you buying a house and, and Wall Street.

你買房子和華爾街買房子之間有很大的差別。

When you buy a house, you get a mortgage.

你買房子時，你會辦理抵押貸款。

And getting a mortgage requires a lot of time and there is a limit.

辦理抵押貸款需要很多時間，而且有額度限制。

But when Wall street is buying a house, they're raising money from investors and are literally putting cash up front so they can outbid anybody in the market and they don't have to get the best deal in the market.

但當華爾街買房子時，他們是從投資者那裡籌集資金，並且是直接現金支付，所以他們可以在市場上競價勝出，而且不必追求市場上的最佳交易。

Even if they don't break even today, it doesn't matter.

即使他們今天沒有損益兩平也沒關係。

They know that sooner or later they, this investment is going to pay off.

他們知道，遲早這筆投資都會有回報。

And that's what actually created the problem in the housing market.

這其實就是造成房地產市場問題的原因。

But a lot of people say that institutional investors only own about 3 to 4% of the housing market.

但很多人說，機構投資者只擁有房地產市場中約 3% 到 4% 的部分。

That should not actually have a huge impact on the market.

這其實不應該對市場造成巨大影響。

95 to 98% of the entire market is being owned by either small investors or the average American.

整個市場的 95% 到 98% 是由小型投資者或一般美國人擁有的。

So why would we care about the 3 to 4% of the housing market or single family homes that Wall street owns?

那我們為什麼要關心華爾街擁有的房地產市場或獨棟房屋的 3% 到 4% 呢？

Prices in the market are determined by the last few houses for sale.

市場上的價格是由最後幾間待售房屋決定的。

So if the last few houses were sold for $500,000, the market price is going to be half a million dollars because the rest of the people are not actively selling their homes.

所以，如果最後幾間房屋以 50 萬美元售出，市場價格就會是 50 萬美元，因為其他人並沒有積極出售他們的房屋。

The vast majority of Americans, or people in general anywhere else across the globe who own their houses, they're not thinking every single day, should I sell my house?

絕大多數美國人，或全球其他地方擁有房屋的民眾，他們並不會每天都在想，我應該賣掉我的房子嗎？

No, you purchase the house, you're living in that house, and you're basically settled in your life.

不，你買了房子，就住在裡面，基本上就安頓下來了。

The exact same analogy works in the stock market.

股票市場也適用完全相同的比喻。

If you look at the price of a particular stock, that price is basically what's the last person have paid for that particular stock.

如果你看看某支股票的價格，那個價格基本上就是最後一個人為那支股票支付的價格。

So the market cap of Apple is about $4 trillion.

所以蘋果的市值大約是 4 兆美元。

And let's say hypothetically that the price of the stock is $200.

It is $200 simply because the last person who paid for Apple stock is about $200.

之所以是 200 美元，純粹是因為最後一位購買蘋果股票的人大約支付了 200 美元。

But if everybody who owns Apple stocks, if we suddenly dump all our stocks in the market, there will simply be an oversupply of stocks while there isn't strong demand on the other side.

但如果所有持有蘋果股票的人，突然把手上的股票全部倒到市場上，就會出現股票供過於求，而另一邊沒有強勁的需求。

And the valuation of Apple stock could go down to $0.

蘋果股票的估值可能會跌到 0。

The exact same analogy works, but with every single asset.

每個資產也適用完全相同的類比。

So this is how 3 to 4% of the single family house allows Wall street to have full control over house prices.

這就是為什麼 3% 到 4% 的獨棟房屋，讓華爾街能完全掌控房價。

Let's say hypothetically that there are simply hundred thousand houses in the market and only 2% of them are for sale, about 2,000 homes.

假設市場上總共有十萬棟房子，只有 2% 的房子要賣，大約是 2,000 棟。

So if Wall street is actively buying 3 to 4% of all the houses in the market, to have that 3 to 4% market share in the market, that's about 300 to 400 houses.

所以如果華爾街積極購買市場上 3% 到 4% 的房子，也就是在市場上擁有 3% 到 4% 的市佔率，大約是 300 到 400 棟房子。

300 to 400 houses is about 15 to 20% out of the 2,000 homes that are there for sale now.

這 300 到 400 棟房子，大約佔了現在正在出售的 2,000 棟房子中的 15% 到 20%。

Suddenly Wall street is buying up to 20% of all the houses that are being listed in the market.

突然間，華爾街買走了市場上將近 20% 的待售房屋。

Suddenly their 3 to 4% ownership of single family homes is turning into 20%.

他們在獨棟房屋的持有比例，從 3% 到 4% 瞬間變成了 20%。

They're removing a huge chunk of houses out of the market, that creates a bidding war.

他們從市場上移走了大量的房屋，這就造成了競價的局面。

And when you have bidding war, that instantly pushes house prices to the roof.

當出現競價時，房價就會瞬間飆升。

Now, another problem is that those institutional investors are putting cash up front and are doing that very fast while you are there in the bank trying to approve your mortgage.

另一個問題是，這些機構投資者是現金支付，而且動作非常快，而你還在銀行裡努力申請你的抵押貸款。

And even when you approve your mortgage, you have a limit on what kind of houses you can buy.

而且就算你的抵押貸款核准了，你買房的預算也會受限。

So if the bidders or Wall street simply outbid you, literally by a small percentage point on that house, you no longer can buy that house.

所以如果競價者或華爾街，只是稍微高出一點點價格就競價勝出，你就買不到那間房子了。

But Wall street doesn't care because they know that this is an investment.

但華爾街不在乎，因為他們知道這是一項投資。

這些錢是從投資者那裡籌來的。

And sooner or later, this investment is at least going to break even.

而且遲早，這項投資至少會損益兩平。

If there is so much demand in the market, if there are so many people who want to buy a house, but

如果市場上有這麼大的需求，有這麼多人想買房，但是

they cannot possibly afford it, why don't more developers get into the market?

他們根本負擔不起，為什麼沒有更多建商投入市場呢？

Even the chairman of the Fed made it clear that we are lowering down interest rates.

就連聯準會主席都說得很清楚，我們正在調降利率。

But lower interest rates are not leading to lower mortgage rates simply because there is a shortage of homes in the market.

但利率調降並沒有直接導致抵押貸款利率下降，因為市場上的房屋短缺。

The only way to fix this problem is to literally just build more houses.

解決這個問題的唯一方法就是，真的就是蓋更多房子。

And building more houses is not as difficult as most people imagine.

而蓋房子並沒有大家想像的那麼難。

It's literally, you're living in 21st century, we're sending rockets to space.

你知道嗎，我們活在 21 世紀，我們能把火箭送上太空。

We have Starlink, we have literally 5G Internet.

我們有 Starlink，我們有 5G 網路。

We have so much cool things, and yet here we are.

我們有這麼多很酷的東西，但我們卻在這裡。

We can't build essential things for people like housing.

我們卻蓋不出人們必需的東西，像是房子。

The problem with housing isn't building themselves, but rather there are laws that prevent developers from building.

房屋的問題不在於建造本身，而是有法律阻止開發商建造。

So if you build in the wrong place or if you want to build in a specific place, and

所以如果你在錯誤的地方蓋房子，或者你想在特定地方蓋，

zoning does not allow you to, you have to go to court and win your case in the court to be able to build there.

如果分區法規不允許，你就得去法院打官司贏了才能在那裡蓋。

And if you lose that court case now, you spend so much money.

而且如果你輸了官司，現在就要花很多錢。

Do you think developers want that kind of nightmare for them?

你覺得開發商想要這種惡夢嗎？

It's so difficult for developers to spend millions of dollars on court fees and legal fees to be able to build in specific places, secondly, their permits.

開發商要花數百萬美元的訴訟費和律師費才能在特定地方蓋房子，這太難了，其次是他們的許可證。

There is so much bureaucracy from the moment that you want to build a house to, to getting all your permits to build that house.

從你想蓋房子開始，到拿到所有許可證為止，有太多官僚程序了。

And that's why individuals on themselves, it's very difficult for you to go and build a house because it's going to cost you so much money just to get those permits.

這就是為什麼個人自己，你很難去蓋一棟房子，因為光是拿到那些許可證就會花你很多錢。

And I didn't even talk about the amount of Time that it requires you to get those permits.

我還沒說拿到那些許可證需要花多少時間。

And that's why housing is only possible when you are a developer, when you are doing this as a business.

這就是為什麼蓋房子只能是開發商在做的事，當你把這當成一門生意的時候。

So since the introduction of tariffs, the cost of building houses have increased.

所以自從關稅開徵以來，蓋房子的成本就增加了。

There is a shortage of labor in the market because there is immigration laws that prevent more people from coming to the U.S.

市場上勞動力短缺，因為移民法限制了更多人進入美國。

thirdly, there is an increase in the cost of materials.

So there are a lot of risks that are associated with building houses.

所以蓋房子有很多相關的風險。

As a developer, you are in the business and you want to turn a profit.

身為開發商，你是在做生意，你想賺取利潤。

Otherwise, why would you do this business?

If you want to be a charity developer, go ahead and do that.

如果你想當慈善開發商，那就去做吧。

But you can't force other people to simply build houses and not turn a profit.

但你不能強迫別人蓋房子卻不賺取利潤。