关注可可英语口语，加入口语社群！
课程概述
今天在“房地产”栏目中，我们来聊聊“停贷”，Let's talk about “Refusing to Pay Mortgages ” in today’s program.
【导读】
近日，全国多地陆续出现了业主欲“停贷”的现象，数十个楼盘的业主不约而同地向各个开发商发放“强制停贷告知书”。据新京报贝壳财经记者了解到，这些楼盘大多数已经处于停工状态。今天我们来聊一聊关于业主停贷相关的话题。
课程内容
词汇积累：Word Bank
1、购房者：homebuyers
2、拒绝支付贷款：refuse to pay mortgages
3、房贷：home loan
4、开发商：property developers
5、加剧：escalate
6、房地产危机：real estate crisis
7、项目延期：project delays
8、房价下跌：a drop in real estate price
9、中产阶级：middle-class
10、社会稳定性：social stability
（更多词汇表达详见对话)
【初级水平】：基础对话 Conversation
场景：小红前阵子购买了一套小户型的房子，听闻最近房地产行业因烂尾楼事件而引发的银行呆账问题而感到十分焦虑。
Xiaohong：What! Homebuyers are refusing to pay mortgages as property developers drag on construction projects, escalating the country's real estate crisis across 22 cities.
小红：什么！因房地产开发商拖延建设项目，购房者拒绝支付抵押贷款，这让全国22个城市的房地产危机更严峻了。
Xiaohua：So this means that buyers of projects across 22 cities have decided to stop paying mortgages due to project delays?
小华：所以这意味着22个城市的项目买家已经决定因项目延期而停止支付抵押贷款?
Xiaohong：Yes. It also happens because of a drop in real estate prices.
小红：对的。这事件的发生还和房价下跌有关。
Xiaohua：So who are the victims of this incident?
小华：所以谁是这次事件的受害者呢？
Xiaohong：The storm engulfing China's property sector is now affecting the country's middle class, posing a threat to social stability.
小红：席卷中国房地产行业的风暴现在正在影响中国的中产阶级，会对社会稳定构成威胁。
Xiaohua：What are the 22 cities?
小华：这22个城市都有哪些呢？
Xiaohong：According to Citi Reseach, the top 10 cities seeing delays in completion of new homes are Zhengzhou, Changsha, Kunming, Fuzhou, Yancheng, Chongqing, Wuhan, Nanning, Shanghai, and Guangzhou.
小红：根据美国花旗集团调查，排名前十“烂尾楼”城市是郑州，长沙，昆明，福州，盐城，重庆，武汉，南宁，上海和广州。
Xiaohua：Where is your project?
小华：你买的房在哪？
Xiaohong：Well, my small-sized apartment is in ....Oh, I am in a hurry to library. Catch you later.
小红：呃，我买的小户型在....哦，我得去赶去图书馆，有空再说哈~
进阶课程
【中高级水平】：Mini-talk
场景：小红跑到图书馆就是好一顿查询资料和学习和房地产相关的知识，希望自己不要因为知识有限而受到损失，因为那可是小红辛辛苦苦通过工作赚取的血汗钱啊。
A drop in home values hasn't helped social stability. Average selling prices of properties in nearby projects in 2022 were on average 15% lower than purchase costs in the past three years.
房屋价值的下降无助于社会稳定。2022年，近期项目的平均售价比过去三年的购买成本平均低15%。
The contagion is spreading to banks. For Chinese banks, the non-performing loan ratio of mortgages was well below the level of other forms of lending, according to the banking regulator.
危机正在向银行蔓延。中国银行业监管机构表示，对中国各银行而言，抵押贷款的不良贷款率远低于其他形式贷款的水平。
The latest development comes at a time when renewed risks of Covid restrictions also pose a threat to the industry.
这个（事件的）最新进展恰逢出现在新冠的新风险也对行业构成威胁的时候。
China's real estate sector has been lurching from one crisis to another since 2020, when Beijing started cracking down on excessive borrowing by developers in a bid to rein in the high debt and curb runaway housing prices.
自2020年以来，政府方面开始打击开发商的过度借贷，以控制高负债和失控的房价，房地产行业也一直在经历一场又一场危机。
“每天练习一点点，坚持带来大改变”，欢迎收听今天的节目，我们下期节目再见。（所有配图均来源于网络，如有侵权，联系删除）
每天一个口语话题，让你的口语飞起来！
每周一-周五下午发布输出型【仿写练习】晚上七点发布【话题口语练习】周六日发布【七嘴八舌】
课代表每天整理群内知识点，用知识卡片帮你搭建语料库！
☟上下滑动查看更多
Slide for more photos
推荐阅读
点个在看你最好看