租金高，買(mǎi)房按揭貸款難，越來(lái)越多美國(guó)年輕人選擇與父母、親戚或者兄弟姐妹同住，數(shù)字達(dá)到75年來(lái)高峰。

《華爾街日?qǐng)?bào)》根據(jù)房地產(chǎn)信息供應(yīng)商Trulia的數(shù)據(jù)得出以上結(jié)論。Trulia的源數(shù)據(jù)來(lái)自美國(guó)勞工統(tǒng)計(jì)局（BLS），最早可追溯到1900年。

數(shù)據(jù)顯示， 18歲到34歲的美國(guó)人里將近四成住在父母家。上次達(dá)到這么高的百分比還是在1940年，即上世紀(jì)30年代美國(guó)大蕭條正式結(jié)束后的第二年。

和前幾代人相比，這一上升趨勢(shì)著實(shí)驚人：上世紀(jì)50年代，只有四分之一的年輕人住在父母家中。不過(guò)要指出一點(diǎn)，那時(shí)候女性通常不到21歲就結(jié)婚了。上世紀(jì)80年代到21世紀(jì)初，和父母同住的年輕人占比約三分之一。

以上趨勢(shì)的一大成因是住房需求不足：許多80、90后不想掏腰包買(mǎi)房。《華爾街日?qǐng)?bào)》援引哈佛大學(xué)研究機(jī)構(gòu)哈佛房屋聯(lián)合研究中心（Harvard Joint Center for Housing Studies）數(shù)據(jù)稱(chēng)，過(guò)去十年，30歲以下成年美國(guó)人增加了500萬(wàn)人，該年齡段的家庭卻僅增長(zhǎng)20萬(wàn)戶(hù)。

Trulia的首席經(jīng)濟(jì)學(xué)家預(yù)計(jì)，美國(guó)年輕一代晚婚晚育的趨勢(shì)可能無(wú)限持續(xù)下去。

這一趨勢(shì)也反應(yīng)了創(chuàng)業(yè)風(fēng)潮消退：雖然最近幾年創(chuàng)業(yè)熱潮有些回暖，但年輕人創(chuàng)業(yè)的趨勢(shì)在減弱。非營(yíng)利組織考夫曼基金會(huì)（Kauffman Foundation）今年夏天發(fā)布報(bào)告稱(chēng)，在2015年成立新公司的企業(yè)家之中，20歲至34歲的創(chuàng)業(yè)者占四分之一，較1996年占比下降10個(gè)百分點(diǎn)。

創(chuàng)業(yè)潮退去導(dǎo)致創(chuàng)業(yè)者融資困難，不少人抵押房產(chǎn)維持公司運(yùn)營(yíng)。

Tulia的發(fā)現(xiàn)與房地產(chǎn)企業(yè)世邦魏理仕（CBRE）最近一份報(bào)告相符。世邦魏理仕今年12月稍早發(fā)布了一份調(diào)查80、90后的報(bào)告，其中顯示四分之三的80、90后受訪(fǎng)者聲稱(chēng)住在父母家中是因?yàn)樾劫Y沒(méi)有房?jī)r(jià)漲得快。43%的受訪(fǎng)者稱(chēng)，從現(xiàn)在開(kāi)始算計(jì)劃住在父母家的時(shí)間超過(guò)三年。而到2020年，勞動(dòng)人口中半數(shù)都會(huì)是1980到2000年期間生人。世邦魏理仕報(bào)告的調(diào)查對(duì)象分布在全球12個(gè)國(guó)家。 （財(cái)富中文網(wǎng)）

作者：Jeremy Quittner

譯者：Pessy

審校:夏林

High rents and difficulty obtaining mortgages ha ve led more young Americans to live at home with their parents, relatives , and siblings than at any other time in the past 75 years.

That’s according to the Wall Street Journal, which looked at data provided by real estate information company Trulia. Trulia examined Census Bureau data stretching back to 1900.

It found that nearly 40 % of people between the ages of 18 and 34 are living at home. The last time the percentage was as high was 1940, the year after the official end of the Great Depression.

The rise is stark when compared to previous generations: less than a quarter of young adults lived at home in the ‘50s -- a time when, it should be noted, the average woman was married before 21. Roughly one-third lived at home from the 1980s to the mid-2000s.

The trend is partly driven by a lack of housing demand: many millennials don’t want the expense of owning a home. Over the last decade, the number of adults under age 30 has jumped by 5 million, but the number of households for that age group rose by just 200,000, the Journal reports, citing the Harvard Joint Center for Housing Studies.

Younger people are also getting married later (27 is the median age for women) and having children later, according to Trulia, whose chief economist said these trends are likely to continue indefinitely.

The trend also seems to mirror a phenomenon in entrepreneurship: while there has been some reversal in the last few years, entrepreneurship among the younger set has been on the decline. Twenty-five percent of people who started new businesses in 2015 were aged 20 to 34, a decrease of nearly 10 percentage points compared to 1996, according to a Kauffman Foundation report released this summer.

The recession made it more difficult for entrepreneurs to obtain credit, which many do using home equity to finance operations.

Trulia’s findings also match results from a recent report on the millennial generation by real estate company CBRE, released earlier in December. Three-quarters of millennials surveyed by CBRE said they are living at home because wages have not kept up with property prices. Forty-three percent say they plan to be living at home more than three years from now. Yet by 2020, half of all workers will have been born between 1980 and 2000. CBRE surveyed millennials in 12 countries.