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本帖最后由 亚雷特 于 2015-3-27 09:15 编辑
Venator 发表于 2015-3-27 05:05 
看看美国就知道到底谁天真了
银行只有迫不得已才会这么做的。确实美国有先例。但是多数情况都是针对还款拖欠以及贷款数额太大并且银行估算你可能换不了款的。而且也不是直接收回，银行会和你商量。
因为如果银行如果只是因为房价下跌对所有房产都收回后，对房地产乃至整个经济体系的打击不是一般的大。就算当年美国的银行也不是简单的对所有房产下跌20%以上的房子直接进行强制拍卖等。
主要一个原因还是在银行放了太多垃圾贷款出去最后还款人还不起，加上房产下跌银行就会考虑你的房子了。你说的很多有能力还贷的人的房子被强制拍卖，这有例子，但是就像前面说的“有能力”这个词要看银行怎么定义了。
有兴趣的同学可以去看看GFC是怎么搞出来的。不是仅仅房贷的问题。
The US home ownership rate increased from 64% in 1994 (about where it had been since 1980) to an all-time high of 69.2% in 2004. Subprime lending was a major contributor to this increase in home ownership rates and in the overall demand for housing, which drove prices higher.
Borrowers who would not be able to make the higher payments once the initial grace period ended, were planning to refinance their mortgages after a year or two of appreciation. As a result of the depreciating housing prices, borrowers ability to refinance became more difficult. Borrowers who found themselves unable to escape higher monthly payments by refinancing began to default.
As more borrowers stop paying their mortgage payments (this is an on-going crisis), foreclosures and the supply of homes for sale increases. This places downward pressure on housing prices, which further lowers homeowners' equity. The decline in mortgage payments also reduces the value of mortgage-backed securities, which erodes the net worth and financial health of banks. This vicious cycle is at the heart of the crisis.
By September 2008, average U.S. housing prices had declined by over 20% from their mid-2006 peak.This major and unexpected decline in house prices means that many borrowers have zero or negative equity in their homes, meaning their homes were worth less than their mortgages. As of March 2008, an estimated 8.8 million borrowers – 10.8% of all homeowners – had negative equity in their homes, a number that is believed to have risen to 12 million by November 2008. By September 2010, 23% of all U.S. homes were worth less than the mortgage loan.
Borrowers in this situation have an incentive to default on their mortgages as a mortgage is typically nonrecourse debt secured against the property. Economist Stan Leibowitz argued in the Wall Street Journal that although only 12% of homes had negative equity, they comprised 47% of foreclosures during the second half of 2008. He concluded that the extent of equity in the home was the key factor in foreclosure, rather than the type of loan, credit worthiness of the borrower, or ability to pay |
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楼主:nextstep
发表于 2015-3-24 16:19
