美国留学assignment关于房屋抵押贷款终止赎回权的分析 [4]|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 [4]

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：7318

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。

itutions

Deteriorating conditions in the housing market can substantially impact mortgage companies such as lenders. If demand for residential real estate falls, prices are likely to fall as well. As such, any homes that a lender repossesses to cover mortgage defaults is worth less, possibly even less than the company lent in the first place. Also, extremely poor conditions in the housing market might lead to a decrease in interest rates, which would make each new loan less profitable.

What causes housing booms and slumps?

The housing market is very closely related with prevailing economic conditions. There isn't a perfectly clear cause-and-effect relationship between the two; conditions in one can impact the other, and vice versa. In general, the housing market reflects the state of the economy as a whole. There are times when the economy seems to be humming right along, but the demand for residential real estate falls nonetheless. In cases such as these, the slump is often a sign of economic weakness that just hasn't manifested itself in other areas of the economy. While the relationship between the housing market and the entire economy is somewhat complicated, there are some observable factors that can impact the demand for residential real estate.

U.S. Economic Cycles

Business cycles have a number of significant repercussions for the economy. The most notable of these is the fact that household disposable income rises during booms and falls during recessions. The average American's purchasing power, therefore, rises and falls in tune with these economic cycles. When disposable incomes decrease, spending decreases overall, but some goods and services are more sensitive to these changes than others. Food and gasoline are two goods that are relatively less affected by these cycles; people still need to eat and get around, even during hard times. Durable goods, or larger purchases that are generally meant to last a while, are very hard hit by recessions, however. For example, if a person's income is halved, their food consumption will probably not change that much; they will be more likely, however, to put off buying a new washing machine, car, or house. Since these goods are 'durable', the ones they already have will probably last until their finances improve.

Because the demand for durable goods decreases during recessions, and a house is about as durable as a good gets, the residential real estate market is extremely sensitive to economic cycles. A recession can lead to lower demand for new home construction, appliances, furniture, and even cars.

Interest rates over time

Interest Rates

Interest rates are another factor that can dramatically impact the housing market and new home construction. When interest rates either rise or fall, the economy as a whole is affected. The housing market, however, is particularly sensitive to these changes for a number of reasons.

<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 4/6 页首页上一页 1 2 345 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