由於美國經濟大環境不佳,                        

當自己 住宅的市價,

跌得比總貸款還要更低的時候 

有越來越多的人開始拒繳貸款,

直接放棄自己的屋子。

  

由於房屋市價下跌

屋主不再想辦法繳房貸了   

Homeowners opt to flee instead of fight as loan modifications start to lose luster

 By Kimberly Miller

Palm Beach Post Staff Writer 

Posted: 1:59 p.m. Sunday, Jan. 17, 2010

Desperate homeowners scrambling to get a loan modification through federal foreclosure relief programs are beginning to shun the offer, opting for a strictly business approach to the dilemma — walking away.

Because the majority of modifications don't reduce the principal payment on loans made during the overpriced boom years, underwater mortgages could still be drowning 10 years out.  

The better option for those borrowers, some say, is to take the hit now and attempt a short sale, deed in lieu, or  even allow their home to go into foreclosure.

"What motivation is there for a homeowner to pay a mortgage that is three times more than the property is worth?" said real estate attorney Rashmi Airan-Pace, whose Coral Gables firm Airan2, Airan-Pace and Crosa  specializes in foreclosure defense.  

原文(全)連結:

http://www.palmbeachpost.com/money/real-estate/homeowners-opt-to-flee-instead-of-fight-as-183341.html  

 

商業用不動產超越私用住宅

成為2009年最差勁的投資

面臨$3.5兆的不定時炸彈  

Commercial Real Estate Surpassed Residential Real Estate as Worst Performing Property Class in 2009: The $3.5 Trillion Financial Time Bomb is hitting the Economy.  

 

圖一﹑商用房屋價格下跌   

圖一.JPG

 

 

 

圖二﹑住宅價格下跌 

圖二.JPG

 

 

圖三﹑美國空屋率創新高 

圖三.JPG

 

表一﹑出租房屋空屋率創新高

表一.JPG


原文(全)連結:

http://www.mybudget360.com/commercial-real-estate-surpassed-residential-real-estate-as-worst-performing-property-class-in-2009-the-35-trillion-financial-time-bomb-is-hitting-the-economy/

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