美国留学assignment关于房屋抵押贷款终止赎回权的分析 [3]|英语论文网

美国留学assignment关于房屋抵押贷款终止赎回权的分析 [3]

论文作者：www.51lunwen.org论文属性：作业 Assignment登出时间：2014-11-05编辑：lynn406点击率：7317

论文字数：3009论文编号：org201411042251245454语种：英语 English地区：美国价格：免费论文

摘要：摘要：近年来，房产市场出现明显的泡沫现象，本文从房屋抵押贷款赎回权的大量撤销来分析房产市场出现的病态与危机。人们申请超过偿还能力的房屋贷款，造成一度繁荣，可是放贷人并未严格要求申请标准，从而出现次贷危机。本文系统的分析了这一现象。

s, according to Keith Gumbinger, vice president for HSH Associates, a mortgage industry publisher. It is that there is not enough money available for making loans.

'The liquidity problem hasn't changed,' Gumbinger said. 'The primary issue is trust between buyers and holders of debt.' Investors holding worthless or heavily discounted paper are not eager to buy more.

As a result, Gumbinger said problems in the housing market problems are too entrenched for a Fed rate drop to have an immediate impact.

Trust can take time to rebuild. Something that might speed the rebuilding process is better-than-expected earnings from the major Wall Street banks. Tuesday, Lehman Brothers' reported higher-than-forecasted profit, which allayed fears about the wallop that the mortgage crisis may inflict on Wall Street. Goldman Sachs, Morgan Stanley and Bear Stearns are due to report earnings later this week.

Home prices in many parts of the country remain out of reach for average Americans, leading to slow sales and lengthening inventories of houses on the market. Also adding to listings is a flood of new foreclosures hitting the market.

That inventory is weighing heavily on housing markets, according to Zandi, and much of it will have to sell through before prices start to rise again.

It didn't help market confidence that venerated ex-Fed head Alan Greenspan came out and opined on the possibility of double-digit housing price declines, according to Dean Baker, an economist and co-director of the Center for Economic and Policy.

'That has to be very worrisome for anyone lending into these markets,' said Baker

The U.S. housing market includes the construction, sale, and resale, of all residential properties across the country. Even though it's only focused on housing, conditions in the housing market are indicative of the state of the economy as a whole. Homes are durable goods, meaning that new home construction and sales are often highly correlated with economic cycles; people tend to buy new homes only when they are confident that they'll have enough income to pay for it, so economic downturns can depress the housing market considerably. In addition to the buildings themselves, homes require appliances, furniture, utility services, and any number of other secondary goods and services. When a new home is built and purchased, the financial impact of that sale continues on indefinitely, every time the owner buys a lightbulb or pays the electricity bill. As such, conditions in the housing market are monitored closely, given their widespread implications.

Currently, the housing market is somewhat shaky, due largely to the collapse of the subprime lending industry. The number of new homes sold in 2007 is projected to fall 19% from 2006 levels, according to the National Association of Realtors; existing home sales aren't faring well either, with a projected 6.8% drop over 2006 sales figures.[1]

Mortgage companies and other financial inst本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。

共 3/6 页首页上一页 1 234 5 6 下一页尾页

相关文章

<<国外留学生案例分析：阿根廷债务违约英国留学生关于环境生态系统的assignment范文>>

到百度查找更多美国留学assignment关于房屋抵押贷款终止赎回权的分析
 到google查找更多美国留学assignment关于房屋抵押贷款终止赎回权的分析