People in the UK and New Zealand are changing how they live. They want to save money and feel less alone.

英國與紐西蘭的人們正在改變生活方式，他們希望省錢並減少孤獨感。

In the UK, more people live in co-housing. This means they have their own homes but share some rooms. Many old people are lonely, so they live together. This helps them and the doctors.

在英國，越來越多的人住在共居房屋。這意味著他們擁有自己的房間，但會共用某些空間。許多長者感到孤獨，因此選擇住在一起，這對他們和醫生都有幫助。

In New Zealand, families live together in one house. Young people and old people share a home. This happens because houses are too expensive. Some people do this because of their culture.

在紐西蘭，家庭成員會住在同一間房子裡。年輕人與長者共同生活。這是因為房價過高，有些人則是出於文化原因這麼做。

Both countries have problems. It is hard to get money from banks for these homes. The government needs to give more money to help people build them.

這兩個國家都面臨問題。很難從銀行獲得這類房屋的貸款，因此政府需要提供更多資金來幫助人們建造。

People in both countries use these new homes to save money and help each other as they get old.

這兩個國家的人們都利用這些新房屋來省錢，並在年老時互相幫助。

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。

Recent trends in the UK and New Zealand indicate a shift toward collaborative and intergenerational housing to mitigate the effects of loneliness, rising living costs, and inadequate retirement funding.

英國與紐西蘭最近的趨勢顯示，為了減輕孤獨感、生活成本上升以及退休金不足的影響，住房模式正向協作式與跨世代住宅轉型。

In the United Kingdom, the proliferation of co-housing—characterized by private dwellings clustered around shared facilities—is increasingly viewed as a strategic response to a systemic housing crisis and an aging population. Data from the Office for National Statistics indicates that 30% of households in 2025 consisted of a single occupant, with a significant proportion of those aged 65 and older reporting chronic loneliness. The UK Cohousing Network reports a substantial increase in demand, evidenced by nearly 2,000 individuals on national waiting lists. These communities, such as Berry Park in Devon, utilize a limited company structure for equity ownership and implement rigorous vetting processes to ensure social cohesion. Academic research from Bristol University suggests that such mutually supportive arrangements may reduce the burden on state health and social care services.

在英國，共同居住（co-housing）——其特徵為私人住宅群集在共享設施周圍——越來越被視為應對系統性住房危機與人口老化的策略性回應。國家統計局的數據顯示，2025 年有 30% 的住戶為單人居住，其中 65 歲及以上的人群有相當高比例報告長期感到孤獨。英國共同居住網絡（UK Cohousing Network）報告需求大幅增加，全國等待名單上約有 2,000 人。這些社區（如德文郡的 Berry Park）利用有限公司結構進行權益所有，並實施嚴格的審核程序以確保社會凝聚力。布里斯托大學的學術研究指出，此類互助安排可減輕國家醫療與社會照顧服務的負擔。

Parallel developments are observed in New Zealand, where intergenerational living is being utilized to circumvent the volatility of the Auckland property market and the insufficiency of the New Zealand Superannuation payment. The 2023 Census confirms a significant number of households comprising two or more generations. While some adoptions of this model are driven by cultural and religious imperatives—particularly within Filipino-Kiwi communities—others are pragmatic responses to the rising costs of utilities, insurance, and transport. Financial experts note that the inadequacy of state pensions often necessitates alternative housing strategies, such as the construction of accessory dwelling units or the consolidation of family assets to secure affordable tenure. Despite these benefits, stakeholders highlight significant institutional barriers, specifically the difficulty in securing combined mortgages and the requirement for government grant funding to facilitate scalability.

紐西蘭也觀察到平行發展，跨世代居住被用來規避奧克蘭房產市場的波動以及紐西蘭退休金（New Zealand Superannuation）的不足。2023 年人口普查確認，有相當數量的住戶由兩代或更多世代組成。雖然部分採納此模式是受文化與宗教驅使——尤其是在菲律賓裔紐西蘭社區中——但其他則是對水電、保險與交通成本上升的務實回應。財務專家指出，國家退休金的不足往往使得替代住房策略成為必然，例如建造附屬住宅單元或整合家庭資產以確保負擔得起且穩定的居住權。儘管有這些益處，利益相關者強調仍存在顯著的體制障礙，特別是難以取得合併抵押貸款，以及需要政府補助金以促進規模化。

Both regions are experiencing a transition toward non-traditional living arrangements as a means of ensuring financial viability and social support during senescence.

兩個地區都在經歷向非傳統居住安排的轉型，旨在確保老年時期的財務可行性與社會支持。