【中文版】

楼市加杠杆指的是在房地产市场中，通过增加杠杆率来放大投资效应的行为。简单来说，就是通过借贷等方式，用较少的资金控制更多的资源，以获取更大的收益。

在楼市中，加杠杆最常见的方式是按揭贷款购房。按揭贷款是指购房者以所购房屋作为抵押，向银行申请贷款，并按照约定偿还贷款本息的一种贷款方式。通过按揭贷款，购房者可以只用较少的自有资金，控制整套房屋的使用权和所有权，从而获取房屋增值带来的收益。

除了按揭贷款外，还有其他的杠杆化工具，如房地产信托、房地产基金等。这些工具可以帮助投资者以较少的资金投入获取较大的收益，同时也放大了投资风险。

楼市加杠杆的风险在于过度借贷和资产泡沫。如果市场行情不好，房价下跌，杠杆化程度过高的投资者可能会面临资金链断裂的风险，进而影响整个市场的稳定。因此，在选择加杠杆投资时，需要谨慎评估自身的风险承受能力和财务状况，并选择合适的杠杆化工具和投资策略。

总的来说，楼市加杠杆是一种放大投资效应的行为，可以带来较大的收益，但也存在一定的风险。投资者需要根据自身情况谨慎决策。

【英文版】

Adding leverage to the property market refers to the act of amplifying investment effects by increasing leverage ratio in the real estate market. In other words, it means using relatively little capital to control more resources in order to obtain greater returns.

In the property market, the most common way to add leverage is through mortgage loans. Mortgage loan refers to the purchase of a house as collateral to apply for a loan from the bank and repay the loan according to the agreed terms. Through mortgage loans, home buyers can use relatively little own funds to control the使用权 and ownership of the entire house, thereby obtaining the benefits of house appreciation.

In addition to mortgage loans, there are other leveraged tools such as real estate trusts and real estate funds. These tools can help investors obtain greater returns with relatively small capital investment, and also amplify investment risks.

The risk of adding leverage to the property market lies in excessive borrowing and asset bubbles. If the market conditions are not good and house prices fall, investors with a high degree of leverage may face the risk of a capital chain breaking, which will affect the overall market stability. Therefore, when choosing leveraged investment, investors need to carefully evaluate their own risk tolerance and financial status, and choose appropriate leveraged tools and investment strategies.

Overall, adding leverage to the property market is an act that amplifies investment effects, which can bring greater returns but also has certain risks. Investors need to make careful decisions based on their own circumstances.