房主们正在转向股权分享交易,在没有每月付款的情况下获取住房价值,以未来收益换取即时现金。 Homeowners are turning to equity-sharing deals to access home value without monthly payments, trading future gains for immediate cash.

美国的房主越来越多地利用股权分享协议获得住房产权而不按月付款,因为高利率使传统贷款和再融资变得不那么具有吸引力。 Homeowners in the U.S. are increasingly using equity-sharing agreements to access home equity without monthly payments, as high interest rates make traditional loans and refinancing less attractive. 这些协议允许房主以一次总付的方式出售其房屋未来价值的一部分,只有在房屋出售、再融资或10至30年期限之后才能还款。 These agreements let homeowners sell a portion of their home’s future value for a lump sum, with repayment only occurring when the home is sold, refinanced, or after a 10- to 30-year term. 投资者在收益和损失方面的份额和在条件上因提供者不同而各有不同。 Investors share in both gains and losses, and terms vary by provider. 选择方案呼吁资产丰富、现金贫乏的房主,特别是避免再融资的低利率抵押贷款房主,但它涉及放弃未来升值,并进行长期金融权衡。 The option appeals to asset-rich, cash-poor homeowners, especially those with low-rate mortgages who avoid refinancing, but it involves giving up future appreciation and carries long-term financial trade-offs.