<p>特朗普表示 401(k) 资金应当得到保护</p>
<p>哈塞特提出允许 401(k) 提取用于购房首付款的计划</p>
<p>特朗普表示退休账户表现良好</p>
<p>作者：史蒂夫·霍兰</p>
<p>在空军一号上，1 月 22 日（路透社）——美国总统唐纳德·特朗普周四表示，他不喜欢让人们使用 401(k) 退休资金作为购房首付款的想法，尽管这一提议是由他的首席经济顾问凯文·哈塞特提出的。</p>
<p>哈塞特上周在福克斯商业网络表示，特朗普政府计划允许人们从 401(k) 账户中提取资金用于购房。但特朗普在空军一号上告诉记者，他对这一提议并不热衷。</p>
<p>“我不是特别喜欢这个想法。其他人喜欢，” 他说。“我不喜欢的原因之一是他们的 401(k) 表现得很好。”</p>
<p>作为前房地产开发商，特朗普表示退休账户的表现 “远好于” 房地产市场。</p>
<p>标准普尔 500 指数是最广泛跟踪的股票指数之一，去年上涨了 16.39%。纳斯达克综合指数上涨超过 20%。</p>
<p>特朗普在面临经济逆风和公众对生活成本日益不满的情况下，为即将到来的国会选举做好准备，已将提高住房拥有率和降低利率作为首要任务。</p>
<p>由于高抵押贷款利率和高房价，美国住房可负担性仍然是许多美国人面临的棘手问题，这使得许多潜在买家被排除在外，市场活动减缓。</p>
<p>特朗普周二签署了一项行政命令，限制大型机构投资者与个人购房者竞争，以努力使住房更加可负担。</p>
<p>特朗普最近几周还指示联邦住房金融局购买 2000 亿美元的由抵押贷款金融巨头房利美和房地美发行的债券，以降低抵押贷款利率。</p>
<p>特朗普还多次呼吁美国联邦储备降低基准利率。</p>
<p>最近的消费者通胀数据显示，住房通胀仍然强劲。</p>
<p>投资者一直在关注政策动向、市场变化和可能吸引买家回归并提升抵押贷款申请量的低利率，这些都发生在长期的房地产放缓之后。</p>
<p>但一些分析师和经济学家表示，一个关键问题是供应不足，地方分区和建筑法规的变化可能会产生更大的影响。例如，降低利率可能会增加对住房的需求，而如果没有更多的供应，这可能会推高价格。</p>

<p>美国总统唐纳德·特朗普对他的首席经济顾问凯文·哈塞特提出的允许 401(k) 账户提取用于购房首付款的提议表示不满，称他更倾向于保护退休资金。特朗普强调，401(k) 账户的表现强于房地产市场。在住房可负担性问题日益严重的背景下，他优先考虑提高住房拥有率和降低利率，签署了一项行政命令以限制机构投资者进入房地产市场，并敦促美联储降低利率。分析师指出，供应限制仍然是房地产市场面临的重大挑战</p>

<p>Trump says 401(k) funds should be preserved</p>
<div class="lb-trans"><p>特朗普表示 401(k) 资金应当得到保护</p>
</div><p>Hassett floated plan to allow 401(k) withdrawal for home down payments</p>
<div class="lb-trans"><p>哈塞特提出允许 401(k) 提取用于购房首付款的计划</p>
</div><p>Retirement accounts are thriving, Trump says</p>
<div class="lb-trans"><p>特朗普表示退休账户表现良好</p>
</div><p>By Steve Holland</p>
<div class="lb-trans"><p>作者：史蒂夫·霍兰</p>
</div><p>ABOARD AIR FORCE ONE, Jan 22 (Reuters) - U.S. President Donald Trump on Thursday said he does not like the idea of letting people use 401(k) retirement funds for a down payment on a house, even though it was floated by his own chief economic adviser, Kevin Hassett.</p>
<div class="lb-trans"><p>在空军一号上，1 月 22 日（路透社）——美国总统唐纳德·特朗普周四表示，他不喜欢让人们使用 401(k) 退休资金作为购房首付款的想法，尽管这一提议是由他的首席经济顾问凯文·哈塞特提出的。</p>
</div><p>Hassett told Fox Business Network last week the Trump administration planned to allow people to withdraw funds from their 401(k) accounts to fund home purchases. But Trump told reporters aboard Air Force One he was not keen on the proposal.</p>
<div class="lb-trans"><p>哈塞特上周在福克斯商业网络表示，特朗普政府计划允许人们从 401(k) 账户中提取资金用于购房。但特朗普在空军一号上告诉记者，他对这一提议并不热衷。</p>
</div><p>“I’m not a huge fan. Other people like it,” he said. “One of the reasons I don’t like it is that their 401(k) s are doing so well.”</p>
<div class="lb-trans"><p>“我不是特别喜欢这个想法。其他人喜欢，” 他说。“我不喜欢的原因之一是他们的 401(k) 表现得很好。”</p>
</div><p>Trump, a former real estate developer, said the retirement accounts were doing “much better” than the housing market.</p>
<div class="lb-trans"><p>作为前房地产开发商，特朗普表示退休账户的表现 “远好于” 房地产市场。</p>
</div><p>The S&amp;P 500, one of the most widely tracked stock indexes, gained 16.39% last year. The Nasdaq Composite Index rose more than 20%.</p>
<div class="lb-trans"><p>标准普尔 500 指数是最广泛跟踪的股票指数之一，去年上涨了 16.39%。纳斯达克综合指数上涨超过 20%。</p>
</div><p>Trump, girding for losses in congressional elections this fall amid economic headwinds and growing public frustration over the cost of living, has made boosting home ownership rates and driving down interest rates a top priority.</p>
<div class="lb-trans"><p>特朗普在面临经济逆风和公众对生活成本日益不满的情况下，为即将到来的国会选举做好准备，已将提高住房拥有率和降低利率作为首要任务。</p>
</div><p>U.S. housing affordability has remained a vexing issue for many Americans given high mortgage rates and elevated home prices have sidelined many would-be buyers and slowed market activity.</p>
<div class="lb-trans"><p>由于高抵押贷款利率和高房价，美国住房可负担性仍然是许多美国人面临的棘手问题，这使得许多潜在买家被排除在外，市场活动减缓。</p>
</div><p>Trump on Tuesday signed an executive order to restrict large institutional investors from competing with individual homebuyers in an effort to make housing more affordable.</p>
<div class="lb-trans"><p>特朗普周二签署了一项行政命令，限制大型机构投资者与个人购房者竞争，以努力使住房更加可负担。</p>
</div><p>Trump has in recent weeks also instructed the Federal Housing Finance Agency to purchase $200 billion of bonds issued by mortgage finance giants Fannie Mae and Freddie Mac to bring down mortgage rates.</p>
<div class="lb-trans"><p>特朗普最近几周还指示联邦住房金融局购买 2000 亿美元的由抵押贷款金融巨头房利美和房地美发行的债券，以降低抵押贷款利率。</p>
</div><p>Trump has also repeatedly called on the U.S. Federal Reserve to lower its benchmark rates.</p>
<div class="lb-trans"><p>特朗普还多次呼吁美国联邦储备降低基准利率。</p>
</div><p>Recent consumer inflation data showed housing inflation remained strong.</p>
<div class="lb-trans"><p>最近的消费者通胀数据显示，住房通胀仍然强劲。</p>
</div><p>Investors have been eyeing policy moves, market shifts and lower interest rates that could draw buyers back and lift mortgage application volumes after a prolonged housing slowdown.</p>
<div class="lb-trans"><p>投资者一直在关注政策动向、市场变化和可能吸引买家回归并提升抵押贷款申请量的低利率，这些都发生在长期的房地产放缓之后。</p>
</div><p>But some analysts and economists say a key issue is a lack of supply, and that changes to local zoning and construction regulations could have a bigger impact. Lower rates, for example, could increase demand for homes and without more supply that would likely push prices higher.</p>
<div class="lb-trans"><p>但一些分析师和经济学家表示，一个关键问题是供应不足，地方分区和建筑法规的变化可能会产生更大的影响。例如，降低利率可能会增加对住房的需求，而如果没有更多的供应，这可能会推高价格。</p>
</div>

Trump 'not a huge fan' of adviser's plan to open 401(k) plans for buying homes

- 特朗普不支持提取 401(k) 资金作为购房首付款的提议。
- 退休账户在市场表现良好，特朗普认为更值得投资。
- 经济逆风下，特朗普致力于提升住房可负担性和降低利率。

特朗普对顾问提出的开放 401(k) 计划用于购房的计划并不十分赞同