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The following article was published in our article directory on December 24, 2010.
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Dollar Outflow City New Homes Prosperity Beginning

Article Category: Business

Author Name: xia zihui

Financial crisis of 2007 is one of the root causes of the excessive expansion of the housing market. So far, this issue remains unresolved, and will continue to muddy the next few years, national economy. Now, everyone aware of the dangers of the U.S. "subprime" mortgages. However, it is easy to forget, in fact, the year the housing market is encouraging the development, because it makes the case that even in normal people can not get a mortgage can have a house. Subprime mortgages so that the American dream come true.

Of course, other parts of the world, carries hundreds of millions of people have the same dream. But the national real estate lending operation mode different. These differences led to the recent global imbalances and financial collapse.

In developed countries, the number of new housing construction is relatively small. As the population stagnation, the number of existing homes changed hands in different people, usually older generation to the younger generation.

In emerging economies, the situation is not the case. In these countries, the quantity and quality of existing homes are seriously inadequate. In addition, most existing housing is usually in rural areas, and most jobs are concentrated in the cities. This is why urbanization in developing countries means that the surging housing boom.

Therefore, in most emerging economies, buy dream is still widespread, it is also a powerful economic force. This means that young Chinese couple will have to save the next big revenue, but as a down payment to buy a good house. The lack of "no down payment" mortgages are residents of high savings rate in China one of the important reasons for this reason more than Confucianism to explain this phenomenon. Reduce the savings rate in China is an effective way to build American-style in China, the mortgage market.

However, China and other emerging economies, people need to remember that housing prices do not mean that countries become more wealthy. Of course, if housing prices in their own words, homeowners feel more wealthy. But if house prices generally rise, then the whole country has not become more wealthy. After all, people need to have a home, so under normal circumstances, just to make money by selling a house means you will pay more under the money. Therefore, the housing boom brought wealth only to be false, although the housing market boom can bring excessive consumption, the same as the United States over the past decade.

In turn, the prices will not collapse and destroy the wealth of any entity. Instead, buy a house price crash makes it easier to achieve a dream, is conducive to first-time buyers - mainly the young and economically disadvantaged people.

However, from an economic point of view, the proportion of homeowners and tenants are not important. If the rental market fully, then most of the families may not choose to buy a house. But by investing in life insurance companies and savings will be, they can indirectly have rented a house, because Germany are a lot of real estate by the life insurance companies, savings will be owned and managed.

In contrast, many American families had rented from the Chinese government's room. On the surface, they may be proud who have room, but their mortgage is likely to be such as Fannie Mae and Freddie Mac and other quasi-government agency guarantees, and these institutions are heavily dependent on Chinese capital to finance re-financing.

When everybody is sure that the house prices to rise, investing in real estate is the best way to protect the future, the real danger there. This will lead to lending institutions not only as a "three-no crowd," to provide loans, but also a large open pockets on the real estate developers, so that they can build more buildings, more residential areas.

As long as the housing boom goes on, everyone will benefit. But when the bubble burst, the "three no people" can not continue to pay the debt, developers go bankrupt. End of the day, lending institutions will find no value of collateral, resulting in huge losses of the banking system. In extreme cases, such as Ireland, the plight of the banking system will bankrupt the entire country.

Housing boom will continue for a long period of time, usually more than a decade. However, in turn, due to the durability of the house, the housing market crash will remain the same length of time. Once you build too many houses, then let the existing housing stock the product of the Depression for a long time. Laid-off construction workers often can not find jobs in other industries.

In the past decade, most countries have experienced an unprecedented housing boom peak. The housing market collapse and the ensuing banking difficulties and unemployment in the next decade will continue to exist, and this suppression of those in 2008 when the country seems very strong economic growth.

In contrast, emerging economies, the housing boom has just begun. Outflow of funds is the U.S. housing market prosperity. Since the construction of hundreds of million homes, the housing market in emerging economies is likely to continue in the future prosperity of the decade. Unless the emerging economies in the management of a dream to buy a house better than Europe, or the next time the housing market crash is inevitable.

Keywords: Top Chest, Roller Cabinet,

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