考虑做活雷锋，告诉大家房价为啥必跌，大概啥时候跌！ - 2023年6月27日北美华人网存档 (第 4 页)

5 reasons the housing market is not about to crash Housing economists point to five compelling reasons that no crash is imminent. Inventories are still very low: The National Association of Realtors says there was a 2.9-month supply of homes for sale in April. Back in early 2022, that figure was a tiny 1.7-month supply. This ongoing lack of inventory explains why many buyers still have little choice but to bid up prices. And it also indicates that the supply-and-demand equation simply won’t allow a price crash in the near future. Builders didn’t build quickly enough to meet demand: Homebuilders pulled way back after the last crash, and they never fully ramped up to pre-2007 levels. Now, there’s no way for them to buy land and win regulatory approvals quickly enough to quench demand. While they are building as much as they can, a repeat of the overbuilding of 15 years ago looks unlikely. “The fundamental reason for the run-up in price is heightened demand and a lack of supply,” says Greg McBride, CFA, Bankrate’s chief financial analyst. “As builders bring more available homes to market, more homeowners decide to sell and prospective buyers get priced out of the market, supply and demand can come back into balance. It won’t happen overnight.” Demographic trends are creating new buyers: There’s strong demand for homes on many fronts. Many Americans who already owned homes decided during the pandemic that they needed bigger places, especially with the rise of working from home. Millennials are a huge group and in their prime buying years. And Hispanicsare a young, growing demographic keen on homeownership. Lending standards remain strict: In 2007, “liar loans,” in which borrowers didn’t need to document their income, were common. Lenders offered mortgages to just about anyone, regardless of credit history or down payment size. Today, lenders impose tough standards on borrowers — and those who are getting a mortgage overwhelmingly have excellent credit. The median credit score for mortgage borrowers in the the first quarter of 2023 was a high 765, the Federal Reserve Bank of New York says. “If lending standards loosen and we go back to the wild, wild west days of 2004-2006, then that is a whole different animal,” says McBride. “If we start to see prices being bid up by the artificial buying power of loose lending standards, that’s when we worry about a crash.” Foreclosure activity is muted: In the years after the housing crash, millions of foreclosures flooded the housing market, depressing prices. That’s not the case now. Most homeowners have a comfortable equity cushion in their homes. Lenders weren’t filing default notices during the height of the pandemic, pushing foreclosures to record lows in 2020. All of that adds up to a consensus: Yes, home prices are still pushing the bounds of affordability. But no, this boom shouldn’t end in bust.

momosun

一年多

5 reasons the housing market is not about to crash Housing economists point to five compelling reasons that no crash is imminent. Inventories are still very low: The National Association of Realtors says there was a 2.9-month supply of homes for sale in April. Back in early 2022, that figure was a tiny 1.7-month supply. This ongoing lack of inventory explains why many buyers still have little choice but to bid up prices. And it also indicates that the supply-and-demand equation simply won’t allow a price crash in the near future. Builders didn’t build quickly enough to meet demand: Homebuilders pulled way back after the last crash, and they never fully ramped up to pre-2007 levels. Now, there’s no way for them to buy land and win regulatory approvals quickly enough to quench demand. While they are building as much as they can, a repeat of the overbuilding of 15 years ago looks unlikely. “The fundamental reason for the run-up in price is heightened demand and a lack of supply,” says Greg McBride, CFA, Bankrate’s chief financial analyst. “As builders bring more available homes to market, more homeowners decide to sell and prospective buyers get priced out of the market, supply and demand can come back into balance. It won’t happen overnight.” Demographic trends are creating new buyers: There’s strong demand for homes on many fronts. Many Americans who already owned homes decided during the pandemic that they needed bigger places, especially with the rise of working from home. Millennials are a huge group and in their prime buying years. And Hispanicsare a young, growing demographic keen on homeownership. Lending standards remain strict: In 2007, “liar loans,” in which borrowers didn’t need to document their income, were common. Lenders offered mortgages to just about anyone, regardless of credit history or down payment size. Today, lenders impose tough standards on borrowers — and those who are getting a mortgage overwhelmingly have excellent credit. The median credit score for mortgage borrowers in the the first quarter of 2023 was a high 765, the Federal Reserve Bank of New York says. “If lending standards loosen and we go back to the wild, wild west days of 2004-2006, then that is a whole different animal,” says McBride. “If we start to see prices being bid up by the artificial buying power of loose lending standards, that’s when we worry about a crash.” Foreclosure activity is muted: In the years after the housing crash, millions of foreclosures flooded the housing market, depressing prices. That’s not the case now. Most homeowners have a comfortable equity cushion in their homes. Lenders weren’t filing default notices during the height of the pandemic, pushing foreclosures to record lows in 2020. All of that adds up to a consensus: Yes, home prices are still pushing the bounds of affordability. But no, this boom shouldn’t end in bust.
heartinny 发表于 2023-06-25 09:37

ChatGPT最擅长写这种狗屁文章
5 reasons the housing market is about to crash
Here are five reasons that could potentially lead to a housing market downturn:
1. Economic recession: A significant economic downturn, such as a recession, can weaken consumer confidence and lead to reduced demand for housing. High unemployment rates and lower disposable income may make it harder for people to afford homes, leading to a decrease in housing prices.
2. Increasing interest rates: Rising interest rates can make mortgages more expensive, reducing affordability and deterring potential buyers. Higher borrowing costs can result in a decline in housing demand and potentially lead to a market slowdown or correction.
3. Oversupply of housing inventory: If there is an excessive supply of homes on the market, it can tip the balance in favor of buyers, leading to a decline in prices. Factors such as overbuilding or a significant influx of new housing units can contribute to an oversupply situation.
4. Speculative investment and market speculation: When housing markets become hotbeds for speculative investment, prices can become artificially inflated. If speculative activity increases significantly and investor confidence diminishes, it may trigger a market correction as prices adjust to more realistic levels.
5. Policy changes or regulations: Government policy shifts or regulatory changes can impact the housing market. For instance, stricter lending standards, changes in tax laws, or alterations to housing subsidies can affect affordability and market dynamics, potentially leading to a downturn.
It's important to remember that these reasons are speculative and not definitive indicators of an impending market crash. Housing markets are influenced by multiple factors and can be unpredictable.

heartinny

一年多

哈哈，我就是看楼主不来，怕大家太无聊了。

98395E

一年多

楼主呢

tiffanylee

一年多

都30页了，楼主呢？不是忙的去搜集材料了吧

QINGQING001

一年多

被无良楼主骗了吧，哈哈哈

cangtian

一年多

ChatGPT最擅长写这种狗屁文章
5 reasons the housing market is about to crash
Here are five reasons that could potentially lead to a housing market downturn:
1. Economic recession: A significant economic downturn, such as a recession, can weaken consumer confidence and lead to reduced demand for housing. High unemployment rates and lower disposable income may make it harder for people to afford homes, leading to a decrease in housing prices.
2. Increasing interest rates: Rising interest rates can make mortgages more expensive, reducing affordability and deterring potential buyers. Higher borrowing costs can result in a decline in housing demand and potentially lead to a market slowdown or correction.
3. Oversupply of housing inventory: If there is an excessive supply of homes on the market, it can tip the balance in favor of buyers, leading to a decline in prices. Factors such as overbuilding or a significant influx of new housing units can contribute to an oversupply situation.
4. Speculative investment and market speculation: When housing markets become hotbeds for speculative investment, prices can become artificially inflated. If speculative activity increases significantly and investor confidence diminishes, it may trigger a market correction as prices adjust to more realistic levels.
5. Policy changes or regulations: Government policy shifts or regulatory changes can impact the housing market. For instance, stricter lending standards, changes in tax laws, or alterations to housing subsidies can affect affordability and market dynamics, potentially leading to a downturn.
It's important to remember that these reasons are speculative and not definitive indicators of an impending market crash. Housing markets are influenced by multiple factors and can be unpredictable.
momosun 发表于 2023-06-25 09:44

但是你看看ChatGPT胡诌的这5条，第一条和第二条是不会同时出现的，第一条和第三条基本是同一件事情，现在的情况下，没有经济衰退和裁员潮，就不可能有supply的大量增加，第四条和第五条都是泛泛而谈，没有证据这些会发生。所以ChatGPT胡诌了这么多，只有一条，就是经济衰退房价会跌

spring_banquet

一年多

楼主省省吧。我们这里周末open house 盛况。