据国家房产经纪人协会的住房购买力指数显示,租金的上涨让购买新房相对便宜:可以说是30年来魅力不减。由于投资商抢购空房并转手出租,待售房库存量下降。最近沃伦?巴菲特思考道,这样做是否有效,因为他要把数十万的空房都买下来。
Yet despite this good news, housing finance is frail as ever. Lending rose in the fourth quarterof 2011, but stuck at the lowest level since 2000 for the year as a whole. The market is stillworking off sickly loans. New delinquencies are down sharply from 2008, yet more than $150billion in home loans became delinquent in the fourth quarter of last year. More trouble liesahead. Over 10m borrowers owe more than the value of their home. Banks are wary of newmortgagesand losseswhile prices are falling. The Federal Reserves Senior Loan OfficerSurvey suggests that lending standards remain higher than at the height of the recession.
不过,撇开这个好消息,住房信贷依旧虚弱如前。虽说房屋贷款在2011年第四季度上涨,但以全年整体水平来看,却是自2000年以来的最低水平。更多的麻烦还在前面等着呢。超过1千万名贷款买房者欠下银行的债比他们的房子的资产还要多。在房价走低的时候,银行对新按揭和损失处理得小心翼翼。美联储高级信贷人员调查显示,借贷标准比大萧条时期达到的高点还要高。
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