 
字體：小 中 大 |
|
|
||
| 2009/02/07 00:14:39瀏覽815｜回應0｜推薦2 | ||
引用文章開個房地產與貸款投資專欄 呵﹗付不出月付貨錢﹐房子遭銀行拍賣﹖就一付苦瓜臉乎﹖呵呵﹗人人一提foreclosure﹐就宛如說破產﹐臉綠掉啦﹐一付倒霉衰敗景象。對吧﹖ 呵呵呵﹗人生最美好的事之一﹐就是有個好老爸﹐給您免費住房﹐月月年年不用付房租貸款﹐所有薪水放口袋。對吧﹖ 如果太公說﹐伊娘列﹗老美制度裡﹐在對個人『債權』﹐破產法是私人最好的保護﹐而在對『物權』﹐拍賣法是產物最好的保護﹔一定有人罵太公﹐如尋壬城的大娘﹐說太公『傻人傻文』。對吧﹖ 呵呵呵﹗看來一切脈動﹐沒有超出太公前瞻定見﹐失業率也如三十年代大蕭條一樣﹐開始爬升﹐舊史難不重演。所以﹐太公還是要再繼半年前﹐在老美地產網站發表的文章﹐再說一遍﹐您加州人有福喔﹗有老美銀行要當您『冤大頭老爸』﹐讓您能在未來免費住房三年﹐伊娘列﹗這便宜不沾﹐白不沾﹐這三年您省下多少房錢﹐少說也會有個六﹑七萬至十萬﹐不花開支﹐反面觀﹐就是賺入的所得﹐對吧﹖ 三四年後﹐拿這筆錢﹐去買一棟房會有困難嗎﹖需要Credit 嗎?伊娘列﹗就算您不能驕傲如太婆表妹說﹕『我付全額現金﹐誰要銀行貸款﹖』﹐至少您能理直氣壯﹐對地產經紀說﹕『伊娘列﹗俺付七十趴頭款﹐那家銀行會不借咱三十趴貸款﹖騙肖爺』對吧﹖ 呵呵呵﹐呵﹗太公在老美網站﹐以個人經驗《這也是太公能從一貧如洗（改天上傳個圖片﹐証明啥冰箱家俱都無﹐真是家塗四壁）﹐黨國愛人都不愛﹐重新爬起的契機﹐感恩老天爺上帝阿拉喔》寫下:
﹐打得老美專業地產經紀﹑律師個個都低頭﹔再看下面華爾街日報的報導﹐只見其提產物拍賣消極的一面﹐還是真理說一半﹐未能暢言精髓﹐美言及其積極的美景。唉﹗這紐約華爾街共產黨信徒所創造的社會制度﹐比北京來得美妙﹐是多美的共產主義社會﹗ 太公宛爾微笑曰﹕危機就是良機﹐要見機發揮所學﹔飛機一摔﹐處理得宜﹐安降哈得順﹐您就安坐觀禮台﹐觀奧步馬就職﹐否則您算那棵蔥﹖門都沒喔﹗ | ||
 | State Recession (尚未發行) | |
| 時事評論｜財經 | 2009/02/02 08:36 ｜瀏覽 1｜回應 0｜推薦 0｜ | |
Is it that simple?時事評論｜財經 2009/02/06 03:43 ｜瀏覽 23｜回應 0｜推薦 0｜
 | Various state laws and private programs have been ineffective to cure foreclosure (尚未發行) | |
| 時事評論｜財經 | 2009/01/17 22:43 ｜瀏覽 1｜回應 0｜推薦 0 | |
| Obstacles delay REO sales (尚未發行) | |
| 時事評論｜財經 | 2009/01/28 09:34 ｜瀏覽 1｜回應 0｜推薦 0｜ | |
Employers slash 598K jobs in Jan., most since `74 (AP)
AP - Recession-battered employers eliminated 598,000 jobs in January, the most since the end of 1974, and catapulted the unemployment rate to 7.6 percent. The grim figures were further proof that the nation's job climate is deteriorating at an alarming clip with no end in sight.
.
From the WSJ
Preventing foreclosures has become a top priority of politicians, economists and regulators. In fact, allowing foreclosures to happen has merit as a free-market solution to the crisis.
Credit may be damaged, but homeowners can rebuild it. And by renting something they can afford, instead of the McMansion they cannot, homeowners are most likely to have some money left over each month that they can save toward a down payment on a house they can eventually afford.
If the intent is to help the credit markets, then foreclosure is undoubtedly the best solution. The securitization model has proven to be flawed. Slicing loans horizontally into tranches created asset classes that have conflicting interests in a dissolution strategy of the same underlying asset. The holder of a senior tranche would be agreeable to modification, since his position is secured; the holder of a junior tranche would essentially be wiped out. The lower tranches are worthless but are still legally an encumbrance, hindering any type of sale or work-out effort.
Consider a property that sold for $500,000 at the peak, financed with a $400,000 first lien and an $80,000 second lien, which is now worth $300,000. The second lien is worthless, but the lien will remain as a cloud which complicates any modification effort by the senior lien holder. There is no incentive for the junior lien holder to voluntarily agree to a modification. Foreclosure would be the best and finite action. It wipes the slate clean."
