Assignment help

英国伦弗鲁论文代写:房地产泡沫

许多经济学家认为,房地产泡沫的主要原因是由联邦银行制定的低利率造成的。利率从6.5%降到了1%,这使人们不得不将自己的房产抵押贷款。作为回报,银行鼓励每个人贷款,因为房地产价格达到了顶峰。【业务。CCH公司]当通货膨胀开始于2004,美国联邦退出宽松的货币政策,他们开始提高利率和抵押贷款的支付也开始上升明显。从紧的货币政策开始发挥作用,对资金的需求很大,因此房价下跌。银行和其他金融机构以极低的利率融资,当利率开始上升时,次级借款人有很大的违约机会,因此这种借款人的违约导致了损失。虽然贷款和出售给特殊的制度工具(SIV的)损失仍由银行和其他机构的境界.

英国伦弗鲁论文代写:房地产泡沫

Many economists believe that the main reason behind housing bubble was caused by low interest rate set up by the Federal bank. The interest rates were reduced to 1% from 6.5%, this made people to mortgage their property against the loan. The banks in return encouraged everyone to obtain loan against their mortgages because real estate prices were at its peak. [business.cch.com] When inflation began in 2004, US federal withdrew monetary accommodation, they started increasing the interest rate and mortgages payment also started rising apparently. Tight money policy came into play and there was a great demand of money and therefore house prices fell. Banks and other financial institutions financed at very low rate, and when interest rates started raising there were heavy chance of default by the subprime borrowers thus default by such borrowers led to losses. Though the loans were secured and were sold to special institutional vehicles (SIV’s) the losses were still bourn by banks and other institutions

发表评论

电子邮件地址不会被公开。 必填项已用*标注