Recent trends in the UK and New Zealand show a shift toward shared and intergenerational housing. These models aim to reduce loneliness, lower living costs, and address the lack of sufficient retirement funds.

近期英國與紐西蘭的趨勢顯示，人們正轉向選擇共享住宅與跨世代共居。這些模式旨在減少孤獨感、降低生活成本，並解決退休金不足的問題。

In the United Kingdom, co-housing—where private homes are built around shared facilities—is becoming a popular response to the housing crisis and an aging population. According to the Office for National Statistics, 30% of households in 2025 consisted of only one person, and many people over 65 reported feeling lonely. Consequently, the UK Cohousing Network has seen a rise in demand, with nearly 2,000 people on waiting lists. For example, communities like Berry Park in Devon use a company structure for ownership and carefully select members to ensure everyone gets along. Furthermore, research from Bristol University suggests that these supportive living arrangements may reduce the pressure on government health and social care services.

在英國，「合作住宅」（co-housing）——即是在共享設施周圍興建的私人住宅——正成為應對住房危機與人口老化的流行方案。根據國家統計局的數據，2025年有30%的家庭僅由一人組成，且許多65歲以上的人表示感到孤獨。因此，英國合作住宅網絡（UK Cohousing Network）的需求增加，候選名單上約有2,000人。例如，德文郡的 Berry Park 等社區採用公司結構持有所有權，並仔細篩選成員以確保彼此合得來。此外，布里斯托大學的研究指出，這些互助居住安排可能會減輕政府醫療與社會照顧服務的壓力。

Similarly, New Zealand is seeing a rise in intergenerational living to deal with the unstable Auckland property market and low state pension payments. The 2023 Census confirms that many households now include two or more generations. While some families choose this for cultural or religious reasons, others do it because of the rising costs of electricity, insurance, and transport. Financial experts emphasize that because state pensions are often too low, families must find alternative strategies, such as building extra small houses on their property. However, stakeholders point out that there are still obstacles, such as the difficulty of getting joint mortgages and the need for more government grants to make these projects possible.

同樣地，紐西蘭也見到跨世代共居的增加，以應對奧克蘭不穩定的房產市場與低額的國家退休金。2023年的普查證實，許多家庭現在包含兩個或更多世代。雖然部分家庭是出於文化或宗教原因選擇此方式，但其他人則是因為電費、保險和交通成本上升而如此決定。財務專家強調，由於國家退休金通常過低，家庭必須尋找替代策略，例如在自有土地上興建額外的小屋。然而，相關利益關係者指出，目前仍存在障礙，例如申請聯合抵押貸款的困難，以及需要更多政府補助金才能使這些項目可行。

Both countries are moving toward non-traditional living arrangements to ensure financial stability and social support as people get older.

兩國都正趨向非傳統的居住安排，以確保人們在年長時能獲得財務穩定與社交支持。