Last night with a group of colleagues, friends celebrate column click-through rate of more than 20 million, could have been 20 people to meet, the more stir more people, into a gathering of more than 100 people, and banquets almost. However, the atmosphere remains small gatherings, often half of the people are not in their seats, left their seats to talk with others, really very happy.
During the meeting, the United States back a friend to ask me why the U.S. housing market did not rise? Bernanke off the drugs there? I have written two Hong Kong property market may not fall mystery ", I asked the friend to take a look at last night, only to see me this," the U.S. housing market did not rise to the mystery of "today.
Bernanke's low interest rate policy is very effective, the United States has had to prepare with a low interest rate policy, but the Paulson, Gelinsipan not a heavy dose, to dare Americans say the United States will be implementing a long period of low interest policy a few years ago, I have written to the United States to save the property market, there must be a long lasting low interest rate policy, but unfortunately, they do not understand Chinese.
Bernanke bold, the morning forecast two or three years, the United States will not raise interest rates, although, economic commentator said, this is not a binding forecast, and I think that the commentators say, how much villain the heart of a gentleman's belly. If Bernanke hesitation, he would not say, he said, so invisible, then you know, the low interest rate is the U.S. national policy. However, it is no wonder that economic commentator this argument, because they predict the property market at the beginning of the year, most say that this year there will be a decline of 15-20 percent, but now the situation in Hong Kong has not changed the contrary, they fix the property market this year to be 5% to 10 % increase, so they said Bernanke, this mentality is traceable.
U.S. housing market did not rise simply there are a lot of factors, Bernanke's low interest rate policy can be said to be the right remedy. But if we can add a personal guarantee, the more it will increase. However, the personal guarantee "the agent is not now fall crazy when falling in the property market, this is a stabilizer. Since Bernanke is the right remedy, how not drug disease? These herbal shop boss bankers pocketed due, prescription writing "low interest" tael, the boss only to a penny, you say, even if the right remedy, but the amount is insufficient, how to cure the patient?
Many people buy property in the United States, to apply for a loan to the bank, now these people most noble career, mortgage no problem, but the first phase, most applicants 8 percent to 9 percent of the loan. If they buy a new building, real estate, there will be a two-year guarantee, general, low interest rates, the interest rate of about 2% is no problem, however, two years later, these people will face difficulties.
Real estate developers to continue to develop in the same area, even if the property prices will not be more and sell more flat, but most also just tie. How the property two years ago, appraisers are truly interested in the same district has built two old buildings to make a discount? Only a 10% discount, has made a lot of people will be bank to recover the difference. If they can not do anything to pay the difference between the bank will cancel their low interest rate policy, and to pay about 8% pa. Group of a minimum loan amount also $ 500,000, that is, to pay $ 30,000 more a year, how can these paycheck to paycheck each month and how to the luo draw 2,500 dollars? They fight under the right cut in the left to endure 1-2 years, they will be the keys to return the bank to do snail without a shell to forget. I ask this situation recurring, how to solve the U.S. housing market? How the U.S. economy is on again?
If, Bernanke asked me, I would say, as long as the legislation requires banks to molest batch punctual repayment customers are not allowed to raise interest rates. I guarantee that the U.S. housing market must be stabilized, to rely on the United States economy will rebound, but unfortunately, Bernanke not identify the Chinese.
