Future %B3%F5%D6%D060+80%B4%CA%D3%A2%D3%EF%D7%F7%CE%C4 Refinance Loans Home Equity
Www Refinanceloanshomeequity Tag Stewie Griffin Refinance Loans Home Equity Subprime mortgage crisis次贷危机 crisis | 英语文章|伊凡英语
Www Refinanceloanshomeequity Tag Stewie Griffin Refinance Loans Home Equity
员和消费者群体一起建立能用于迅速界定谁能有资格拥有调整贷款的原则. Stewie searchsearch Stewie A Stewie C Www NsearchB Refinanceloanshomeequity N Www E5searchB Tag % Tag F Griffin E Tag B Tag % Www 5D Tag % Tag 00search8 Stewie % Stewie 4searchCA Tag Dsearch% Tag 2Dsearch% Refinanceloanshomeequity F%CANCAN+BUNNY7F7CE Refinanceloanshomeequity C Refinanceloanshomeequity % Griffin D Stewie A6searchEsearch%search5searchAsearch% Griffin 5 Refinanceloanshomeequity B%E5%B0%8F%E5%AD%A6%E5%85%AD%E5%B9%B4%E7%BA%A7%E8%8B%B1%E8%AF%ADMyHoliday%E4%BD%9C%E6%96%8780%E8%AF%8D%search4 Stewie Esearch%A Refinanceloanshomeequity A Griffin % Refinanceloanshomeequity 8 Stewie 8search%search1 Griffin E Stewie %A Www % Www Dy Www oid Refinanceloanshomeequity ysearchE Tag % Refinanceloanshomeequity Dsearch9 Refinanceloanshomeequity %search6search9 Griffin %search7search0% Refinanceloanshomeequity 8searchA Stewie % Refinanceloanshomeequity DY
The political efforts are aimed at keeping the U.S. economy out of a housing-triggered recession. The Mortgage Bankers Association estimates that 1.35 million homes will enter the foreclosure process this year and another 1.44 million in 2008, up from 705,000 in 2005.
行政努力的目的是使美国经济免于因住房危机触发的经济衰退. The Mortgage Bankers Association估计今年将有135万套房子进入抵押赎回权丧失程序, 2008年将达到144万套, 而2005年仅有705,000套.
The projected supply of foreclosed homes is equal to about 45% of existing home sales and could add four months to the supply of existing homes, says Dale Westhoff, a senior managing director at Bear Stearns. This is a "fundamental shift" in the housing supply, says Mr. Westhoff, who believes that home prices will drop further as lenders "mark to market" repossessed homes.
计划供应的取消抵押赎回权的房子将占现存房子销售量的大约45%, 将增加4个月的现房供应量. Bear Stearns 的高级主管Dale Westhoff先生说, 这将是一个房子供应量的”基本变化”. 他相信房价的下跌将远远低于出贷方推向市场的二手房价格.
Foreclosed homes typically sell at a discount of 20% to 25% compared to the sale of an owner-occupied home, analysts say. Lenders are eager to unload the properties, and the homes tend to be in poorer condition.
与有产权的房子售价相比, 取消抵押赎回权的房子售价将折价20%~25%.分析师说. 出贷方渴望摆脱拥有资产的负担,而房子则趋向于更糟糕的状况.
"People didn’t leave the house happily," says Jason Bosch, a broker with Home Center Realty in Norco, Calif. "There are often signs of that. There’s used, dirty carpet. The grass is dead." Mr. Bosch says he now has about 120 bank-owned properties for sale or in escrow compared with none a year ago.
“人们不会开心地离开他们的房子”, 加州NOCOR的Home Center Realty公司经纪人Jason Bosch先生说,” 常有很多那样的迹象, 被使用过,脏脏的地毯,草坪也死了.” Jason Bosch先生说,相比不到一年前,他手头上就有大约120套银行拥有产权或第三方保管的房子可供销售.
Federal Reserve Chairman Ben Bernanke told Congress earlier this month, "A sharp increase in foreclosed properties for sale could...weaken the already struggling housing market and thus, potentially, the broader economy."
联邦储备委员会主人比黄花瘦席伯克南先生本月早些时候告诉国会,” 剧增的取消抵押赎回权的房子销售将….削弱已经困难重重的房地产市场, 潜在地将波及更广泛的经济范围.”
The big concern is a vicious cycle in which foreclosures push down home prices, making it more difficult for borrowers to refinance and causing more defaults and foreclosures.
更大的关注是这种局面将陷入恶性循环, 丧失抵押赎回权的房子将拉低房价, 使更多的借贷者难于重新融资而引起更多的房贷无法偿还和丧失抵押赎回权
Real-estate agents, who look at prices for comparable homes, or comps, say the sale of bank-owned properties can have a big impact. "One month the comps are showing one price and then a bank comes in and sells a property for $30,000 less," says Randal Gibson, a real-estate agent in Henderson, Nev. "All of the sudden, that’s the new comp. It hurts everyone in the neighborhood."
房地产公司观察可比房屋的价格或者两者, 说银行拥有产权的房屋销售有更大的影响,” 一个月里两者比较都在同一个价位上,然而银行拥有产权的房屋以少30000USD的价格销售,’ Henderson, Nev 的房地产代理Randal Gibson先生说.” 所有的都很突然, 然后进入新的两者对比,这样都损害到所有的邻居.”
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