美国财政部周四提出了新的法规，禁止大型机构投资者购买独栋住宅。这是实施今年夏天通过的这项具有争议性的住房法案相关规定的最新举措。
The Treasury Department on Thursday proposed new regulations to bar large institutional investors from buying up single-family homes, the latest step in the process to implement the most controversial section of the sweeping bipartisan housing law passed this summer.
根据该法案，拥有350套以上住房的投资者将被禁止再购买新的独栋住宅；这项禁令将于1月7日正式生效。财政部在长达96页的提案中承认，实施时间非常紧迫。
Under the law, the ban — which prohibits investors with more than 350 houses from purchasing additional single-family homes – goes into effect Jan. 7, a short runway Treasury acknowledged in the 96-page proposal.
“鉴于实施时间有限，以及市场参与者需要在房屋建设、收购、所有权结构、投资安排和合规体系等方面做出决策，财政部目前计划采取分阶段制定法规的方式来推进这项政策，”该部门表示。
“Given this short implementation period and the need for market participants to make decisions regarding homebuilding, acquisitions, ownership structures, investment arrangements, and compliance systems, Treasury currently intends to take a phased rulemaking approach,” the agency said.
这些针对机构投资者的限制措施是唐纳德·特朗普总统提出的“亲民性住房政策”的一部分——他曾宣称：“人们居住在房屋中，而不是企业里。”然而，批评者认为，这一政策可能会对房地产开发商造成负面影响，进而抑制住房供应。周四上午，市场参与者仍在仔细研究这项提案。
The institutional investor restrictions were part of a populist affordability pitch by President Donald Trump, who declared, “People live in homes, not corporations.”Critics have argued, though, that the policy could create a chilling effect for builders, and in turn, be a drag on supply. Market participants were still reviewing the proposal Thursday morning.
“由于该条款内容非常复杂，因此相应的法规也会非常繁琐，”全国住房会议（National Housing Conference）的总裁兼首席执行官大卫·德沃金（David Dworkin）指出，“最终的关键在于：市场是否能够继续建造那些亟需的租赁住房。如果开发商仍继续建造租赁住房（无论这些住房是相互堆叠还是并排建造），那么我认为财政部已经成功处理了这个问题。”德沃金补充道：“但如果市场停止投资租赁住房，那么我们所采取的措施反而会加剧住房短缺的危机。”
“This is a very complicated provision and a very complicated rule as a result of that,” said David Dworkin, president and chief executive officer of the National Housing Conference. “The bottom line is going to be whether the market continues to build desperately needed rental housing or not. And if we see that builders continue to construct rental housing, regardless of whether it is stacked on top of each other or side by side, I think that Treasury successfully navigated the issue.”“If on the other hand the market stops investing in rental housing, then what we’ve done is simply exacerbated the affordable housing crisis,” Dworkin added.
这项两党合作的住房法旨在缓解供应短缺问题，该问题加剧了选民对住房负担能力的不满。除了对机构投资者的限制外，该法律还包含新规则，使开发工厂建造住房变得更加容易，并鼓励地方政府消除建设障碍。
The bipartisan housing law aimed to alleviate a supply crunch that has contributed to voters’ frustrations over affordability. In addition to the institutional investor restriction, the law includes new rules making it easier to develop factory-built housing and encouraging localities to remove barriers to construction.