Záplava prepadu hypoték
Na Ameriku sa rúti ďalšia záplava skonfiškovaných nehnuteľností. Takmer 1,8mil. nehnuteľností je na ceste konfiškácie finančnými inštitúciami. Kam sa asi prepadnú ceny, ak sa objavia na trhu? Ako to ovplyvní globálny trh? Z existujúcich US$1,8 bilióna úverov v USA je US$425 miliardy extrémne neskorých s platbou.
The bottom line: just counting the homeowners who are currently behind on their mortgages, along with the existing number of foreclosures for sale, at the current pace it will take nearly three years to sell all the foreclosures out there. That doesn't include all the borrowers who haven't fallen behind yet but are going to, because of unemployment or because their Option ARM payments are spiking up or because they just decide to stop paying.
Blame the “shadow inventory” – nearly 1.8 million homes that are on the road to foreclosure but for all kinds of reasons haven’t gotten there yet.
Out of more than $1.6 trillion in existing mortgages that were packaged into mortgage-backed securities by Wall Street, some $425 billion worth are extremely late on their payments, and therefore likely to go into foreclosure. Only a fraction of borrowers who fall seriously behind are able to catch up, with the help of a loan modification. And even then the majority end up falling behind again.
Článok:www.nationalpolicyinstitute.org
25.02.2010
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