s*n
2 楼
However, low rates haven't budged home sales, Those have been stymied by
high unemployment, slow job growth and strict credit standards, and have
dropped sharply since the expiration of home-buying tax credits in April.
奥巴马至今为止用了两个手段来维持房价,第一8000块。第二低利率。第一点虽然短期
内刺激了一下房事,但是也是基本上消耗掉了积存和潜在的需求。第二点目前看完全无
效。而住房市场卖方确因为幻觉拒绝降价。这种僵持局面非常可能在某一天崩溃,可能
是卖方消耗尽了存款,或者是恐惧高价出不了手。
如果连带到股市中,可能把某个正常的抄底点砸穿,类似5月6号的肥手指一样。那样子
就残掉了。
high unemployment, slow job growth and strict credit standards, and have
dropped sharply since the expiration of home-buying tax credits in April.
奥巴马至今为止用了两个手段来维持房价,第一8000块。第二低利率。第一点虽然短期
内刺激了一下房事,但是也是基本上消耗掉了积存和潜在的需求。第二点目前看完全无
效。而住房市场卖方确因为幻觉拒绝降价。这种僵持局面非常可能在某一天崩溃,可能
是卖方消耗尽了存款,或者是恐惧高价出不了手。
如果连带到股市中,可能把某个正常的抄底点砸穿,类似5月6号的肥手指一样。那样子
就残掉了。
h*e
3 楼
跟16岁的小姑娘一样纯洁和爱冲动. 和是否离婚了无关.
m*i
4 楼
bb local special edition太多了,比kinect多的多的多
之前所谓的绝版是joke?
之前所谓的绝版是joke?
d*e
5 楼
是不是可以放空指数赌这一天?
b*e
7 楼
美国房市本来就该崩溃。O8把property tax免去10年,房价保证立刻上去。
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: However, low rates haven't budged home sales, Those have been stymied by
: high unemployment, slow job growth and strict credit standards, and have
: dropped sharply since the expiration of home-buying tax credits in April.
: 奥巴马至今为止用了两个手段来维持房价,第一8000块。第二低利率。第一点虽然短期
: 内刺激了一下房事,但是也是基本上消耗掉了积存和潜在的需求。第二点目前看完全无
: 效。而住房市场卖方确因为幻觉拒绝降价。这种僵持局面非常可能在某一天崩溃,可能
: 是卖方消耗尽了存款,或者是恐惧高价出不了手。
: 如果连带到股市中,可能把某个正常的抄底点砸穿,类似5月6号的肥手指一样。那样子
: 就残掉了。
【在 s*****n 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: However, low rates haven't budged home sales, Those have been stymied by
: high unemployment, slow job growth and strict credit standards, and have
: dropped sharply since the expiration of home-buying tax credits in April.
: 奥巴马至今为止用了两个手段来维持房价,第一8000块。第二低利率。第一点虽然短期
: 内刺激了一下房事,但是也是基本上消耗掉了积存和潜在的需求。第二点目前看完全无
: 效。而住房市场卖方确因为幻觉拒绝降价。这种僵持局面非常可能在某一天崩溃,可能
: 是卖方消耗尽了存款,或者是恐惧高价出不了手。
: 如果连带到股市中,可能把某个正常的抄底点砸穿,类似5月6号的肥手指一样。那样子
: 就残掉了。
i*n
8 楼
原来你是初恋结婚被dump啊
F*I
9 楼
on the contrary, the crash is less and less possible now.
the only thing we are waiting is the inflation. once it picks up speed,
everything is going back to normal
the only thing we are waiting is the inflation. once it picks up speed,
everything is going back to normal
K*g
11 楼
你应该多学习学习,呵呵。
低利率不是为了维持房价,而是刺激消费,增加信贷流通。
但是关键问题是美国老百姓现在不敢去消费,所以还需要其他的根本性解决问题的方法。
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: However, low rates haven't budged home sales, Those have been stymied by
: high unemployment, slow job growth and strict credit standards, and have
: dropped sharply since the expiration of home-buying tax credits in April.
: 奥巴马至今为止用了两个手段来维持房价,第一8000块。第二低利率。第一点虽然短期
: 内刺激了一下房事,但是也是基本上消耗掉了积存和潜在的需求。第二点目前看完全无
: 效。而住房市场卖方确因为幻觉拒绝降价。这种僵持局面非常可能在某一天崩溃,可能
: 是卖方消耗尽了存款,或者是恐惧高价出不了手。
: 如果连带到股市中,可能把某个正常的抄底点砸穿,类似5月6号的肥手指一样。那样子
: 就残掉了。
低利率不是为了维持房价,而是刺激消费,增加信贷流通。
但是关键问题是美国老百姓现在不敢去消费,所以还需要其他的根本性解决问题的方法。
【在 s*****n 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: However, low rates haven't budged home sales, Those have been stymied by
: high unemployment, slow job growth and strict credit standards, and have
: dropped sharply since the expiration of home-buying tax credits in April.
: 奥巴马至今为止用了两个手段来维持房价,第一8000块。第二低利率。第一点虽然短期
: 内刺激了一下房事,但是也是基本上消耗掉了积存和潜在的需求。第二点目前看完全无
: 效。而住房市场卖方确因为幻觉拒绝降价。这种僵持局面非常可能在某一天崩溃,可能
: 是卖方消耗尽了存款,或者是恐惧高价出不了手。
: 如果连带到股市中,可能把某个正常的抄底点砸穿,类似5月6号的肥手指一样。那样子
: 就残掉了。
Y*e
12 楼
?????
I*D
14 楼
不一定, 人这个动物还不能简单的用某种模式来衡量
c*x
23 楼
The best idea has been proposed to the Feds by Bill Gross already. That is
to automatically refinance all mortgage at the current low rate regardless
creditworth. This will free up so much capital.
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: However, low rates haven't budged home sales, Those have been stymied by
: high unemployment, slow job growth and strict credit standards, and have
: dropped sharply since the expiration of home-buying tax credits in April.
: 奥巴马至今为止用了两个手段来维持房价,第一8000块。第二低利率。第一点虽然短期
: 内刺激了一下房事,但是也是基本上消耗掉了积存和潜在的需求。第二点目前看完全无
: 效。而住房市场卖方确因为幻觉拒绝降价。这种僵持局面非常可能在某一天崩溃,可能
: 是卖方消耗尽了存款,或者是恐惧高价出不了手。
: 如果连带到股市中,可能把某个正常的抄底点砸穿,类似5月6号的肥手指一样。那样子
: 就残掉了。
to automatically refinance all mortgage at the current low rate regardless
creditworth. This will free up so much capital.
【在 s*****n 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: However, low rates haven't budged home sales, Those have been stymied by
: high unemployment, slow job growth and strict credit standards, and have
: dropped sharply since the expiration of home-buying tax credits in April.
: 奥巴马至今为止用了两个手段来维持房价,第一8000块。第二低利率。第一点虽然短期
: 内刺激了一下房事,但是也是基本上消耗掉了积存和潜在的需求。第二点目前看完全无
: 效。而住房市场卖方确因为幻觉拒绝降价。这种僵持局面非常可能在某一天崩溃,可能
: 是卖方消耗尽了存款,或者是恐惧高价出不了手。
: 如果连带到股市中,可能把某个正常的抄底点砸穿,类似5月6号的肥手指一样。那样子
: 就残掉了。
j*7
29 楼
At what rate?
Who makes the final call?
I'd be glad to see Gov can re-fi my mortgage @ 0 interest.
is
【在 c****x 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: The best idea has been proposed to the Feds by Bill Gross already. That is
: to automatically refinance all mortgage at the current low rate regardless
: creditworth. This will free up so much capital.
Who makes the final call?
I'd be glad to see Gov can re-fi my mortgage @ 0 interest.
is
【在 c****x 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: The best idea has been proposed to the Feds by Bill Gross already. That is
: to automatically refinance all mortgage at the current low rate regardless
: creditworth. This will free up so much capital.
s*n
43 楼
接着说说我的看法:
房价走低对股市的直接影响在于金融业,首先第一点是资产贬值(房子是银行的资产,
对于买方实际是负债)。第二点,可能会人不愿意水下,而放弃房产。第三点, 目前
的低利率(特别是refi利率)在长期看是一个负担。如果基准利率涨回去到存贷差过小
或者是负数,那么这份贷款必然赔钱。
效果就是,房价降,金融降,大盘降,FAZ涨。
利率降,金融降,大盘将,FAZ涨。
房价走低对股市的直接影响在于金融业,首先第一点是资产贬值(房子是银行的资产,
对于买方实际是负债)。第二点,可能会人不愿意水下,而放弃房产。第三点, 目前
的低利率(特别是refi利率)在长期看是一个负担。如果基准利率涨回去到存贷差过小
或者是负数,那么这份贷款必然赔钱。
效果就是,房价降,金融降,大盘降,FAZ涨。
利率降,金融降,大盘将,FAZ涨。
c*m
48 楼
You should understand it is for the public interest to obtaining the
property tax.
As I hint on last thread, the property tax is for local school, hostipital
and library. That is the fundermental difference with other tax system.
I think U are playing with the words.
【在 b*******e 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: 征收property tax决定了美国房子是消费品而不是投资品。
: 主要是性质上有所不同。
: 作为消费品,自己够住就满意了。
: 一旦变为投资品,闲钱就流进去了。
property tax.
As I hint on last thread, the property tax is for local school, hostipital
and library. That is the fundermental difference with other tax system.
I think U are playing with the words.
【在 b*******e 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 征收property tax决定了美国房子是消费品而不是投资品。
: 主要是性质上有所不同。
: 作为消费品,自己够住就满意了。
: 一旦变为投资品,闲钱就流进去了。
w*k
51 楼
housing price is a bubble
let it go to the bottom is the right choice
once it's bottomed, the buyers will get in
otherwise, slowly going down to hell
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: However, low rates haven't budged home sales, Those have been stymied by
: high unemployment, slow job growth and strict credit standards, and have
: dropped sharply since the expiration of home-buying tax credits in April.
: 奥巴马至今为止用了两个手段来维持房价,第一8000块。第二低利率。第一点虽然短期
: 内刺激了一下房事,但是也是基本上消耗掉了积存和潜在的需求。第二点目前看完全无
: 效。而住房市场卖方确因为幻觉拒绝降价。这种僵持局面非常可能在某一天崩溃,可能
: 是卖方消耗尽了存款,或者是恐惧高价出不了手。
: 如果连带到股市中,可能把某个正常的抄底点砸穿,类似5月6号的肥手指一样。那样子
: 就残掉了。
let it go to the bottom is the right choice
once it's bottomed, the buyers will get in
otherwise, slowly going down to hell
【在 s*****n 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: However, low rates haven't budged home sales, Those have been stymied by
: high unemployment, slow job growth and strict credit standards, and have
: dropped sharply since the expiration of home-buying tax credits in April.
: 奥巴马至今为止用了两个手段来维持房价,第一8000块。第二低利率。第一点虽然短期
: 内刺激了一下房事,但是也是基本上消耗掉了积存和潜在的需求。第二点目前看完全无
: 效。而住房市场卖方确因为幻觉拒绝降价。这种僵持局面非常可能在某一天崩溃,可能
: 是卖方消耗尽了存款,或者是恐惧高价出不了手。
: 如果连带到股市中,可能把某个正常的抄底点砸穿,类似5月6号的肥手指一样。那样子
: 就残掉了。
S*r
53 楼
这个樱桃 (朵朵,紫仙,whatever.) 自淫就算了,怎么在什么贴都搅和, 烦不烦阿
?
?
c*m
56 楼
If minncai said this, I am very surprised.
If you OWN a house in good neighborhood, you won't say this anymore. And you
will understand. Almost 95% of nice location have decent public school
system. Other 5% is not. Like gold coast area in chicago. They don't have
, instead, they have top 10 private school in US.
【在 c******8 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: 我太赞同牛刀了。
: 前天和名菜聊天就说到这个property tax的隐患了。。。
: 在加州,你一年掏10万,什么金屋能租不到哇~~~
: 看法高度一致!
If you OWN a house in good neighborhood, you won't say this anymore. And you
will understand. Almost 95% of nice location have decent public school
system. Other 5% is not. Like gold coast area in chicago. They don't have
, instead, they have top 10 private school in US.
【在 c******8 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 我太赞同牛刀了。
: 前天和名菜聊天就说到这个property tax的隐患了。。。
: 在加州,你一年掏10万,什么金屋能租不到哇~~~
: 看法高度一致!
c*8
57 楼
他没说,我俩聊到这个话题了。我说的。
牛刀这个观点在我脑子里都存了10年了。我挺欣赏这个刀叔叔的,几乎所有的问题看法
都如出一辙,呵呵
you
have
【在 c***m 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: If minncai said this, I am very surprised.
: If you OWN a house in good neighborhood, you won't say this anymore. And you
: will understand. Almost 95% of nice location have decent public school
: system. Other 5% is not. Like gold coast area in chicago. They don't have
: , instead, they have top 10 private school in US.
牛刀这个观点在我脑子里都存了10年了。我挺欣赏这个刀叔叔的,几乎所有的问题看法
都如出一辙,呵呵
you
have
【在 c***m 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: If minncai said this, I am very surprised.
: If you OWN a house in good neighborhood, you won't say this anymore. And you
: will understand. Almost 95% of nice location have decent public school
: system. Other 5% is not. Like gold coast area in chicago. They don't have
: , instead, they have top 10 private school in US.
c*8
59 楼
我的意思其实是地域的成本差异。
如果我定居在中部渺无人烟的土地上,我对tax没那么大意见。
你说的neighbor我都能理解,还有education cost吧。这合情合理。
但加州这么特殊的情况,动不动就1M起价,我真觉得政府应该适当减轻或者给我们
waive掉算了。
这个问题,我们10年前就讨论过了。
you
have
【在 c***m 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: If minncai said this, I am very surprised.
: If you OWN a house in good neighborhood, you won't say this anymore. And you
: will understand. Almost 95% of nice location have decent public school
: system. Other 5% is not. Like gold coast area in chicago. They don't have
: , instead, they have top 10 private school in US.
如果我定居在中部渺无人烟的土地上,我对tax没那么大意见。
你说的neighbor我都能理解,还有education cost吧。这合情合理。
但加州这么特殊的情况,动不动就1M起价,我真觉得政府应该适当减轻或者给我们
waive掉算了。
这个问题,我们10年前就讨论过了。
you
have
【在 c***m 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: If minncai said this, I am very surprised.
: If you OWN a house in good neighborhood, you won't say this anymore. And you
: will understand. Almost 95% of nice location have decent public school
: system. Other 5% is not. Like gold coast area in chicago. They don't have
: , instead, they have top 10 private school in US.
S*r
61 楼
Why the housing price still a bubble? If the home builders don't make profit
(most of them currently have not been making money), then the new home
price is not high. Don't tell me the home builders need to cut cost.
【在 w****k 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: housing price is a bubble
: let it go to the bottom is the right choice
: once it's bottomed, the buyers will get in
: otherwise, slowly going down to hell
(most of them currently have not been making money), then the new home
price is not high. Don't tell me the home builders need to cut cost.
【在 w****k 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: housing price is a bubble
: let it go to the bottom is the right choice
: once it's bottomed, the buyers will get in
: otherwise, slowly going down to hell
c*m
64 楼
You have higher salary in silicon valley, buy a better house, so does the
property tax. The local authority need to spend more on building roads,
schools, etc because of the costs. That is totally reasonable.
LA downtown properly have low property tax, but is there any value to live
in there? Honestly speaking, my size is big and I don't lose much when I
play basketball with black guys, but when I passed LA downtown, I was scared
too. Not many Chinese people can beat me on the basketball court
【在 c******8 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: 我的意思其实是地域的成本差异。
: 如果我定居在中部渺无人烟的土地上,我对tax没那么大意见。
: 你说的neighbor我都能理解,还有education cost吧。这合情合理。
: 但加州这么特殊的情况,动不动就1M起价,我真觉得政府应该适当减轻或者给我们
: waive掉算了。
: 这个问题,我们10年前就讨论过了。
:
: you
: have
property tax. The local authority need to spend more on building roads,
schools, etc because of the costs. That is totally reasonable.
LA downtown properly have low property tax, but is there any value to live
in there? Honestly speaking, my size is big and I don't lose much when I
play basketball with black guys, but when I passed LA downtown, I was scared
too. Not many Chinese people can beat me on the basketball court
【在 c******8 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 我的意思其实是地域的成本差异。
: 如果我定居在中部渺无人烟的土地上,我对tax没那么大意见。
: 你说的neighbor我都能理解,还有education cost吧。这合情合理。
: 但加州这么特殊的情况,动不动就1M起价,我真觉得政府应该适当减轻或者给我们
: waive掉算了。
: 这个问题,我们10年前就讨论过了。
:
: you
: have
c*8
65 楼
明尼苏达和德州的IT薪水, 和我们一样高
可是房地产呢?
scared
【在 c***m 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: You have higher salary in silicon valley, buy a better house, so does the
: property tax. The local authority need to spend more on building roads,
: schools, etc because of the costs. That is totally reasonable.
: LA downtown properly have low property tax, but is there any value to live
: in there? Honestly speaking, my size is big and I don't lose much when I
: play basketball with black guys, but when I passed LA downtown, I was scared
: too. Not many Chinese people can beat me on the basketball court
可是房地产呢?
scared
【在 c***m 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: You have higher salary in silicon valley, buy a better house, so does the
: property tax. The local authority need to spend more on building roads,
: schools, etc because of the costs. That is totally reasonable.
: LA downtown properly have low property tax, but is there any value to live
: in there? Honestly speaking, my size is big and I don't lose much when I
: play basketball with black guys, but when I passed LA downtown, I was scared
: too. Not many Chinese people can beat me on the basketball court
c*8
66 楼
我其实觉得应该这样,
房价高的,tax低; 房价低的,tax高, 扯平了,皆大欢喜。
起点不同,自然高的吃亏了,这肯定不合理。
再说了: 房价高的本身就意味着坏蛋一定会少很多了,难道小偷会去贝福利山庄去偷笔
记本电脑么?
房价低的地方才需要警力维护,这才需要高税收来保障社会安全和教育福利啊。
有什么不行的?
房价高的,tax低; 房价低的,tax高, 扯平了,皆大欢喜。
起点不同,自然高的吃亏了,这肯定不合理。
再说了: 房价高的本身就意味着坏蛋一定会少很多了,难道小偷会去贝福利山庄去偷笔
记本电脑么?
房价低的地方才需要警力维护,这才需要高税收来保障社会安全和教育福利啊。
有什么不行的?
S*r
72 楼
The current rate still too high, that’s why HARP program is in effective
and had to extend to another year. I think the housing market is demanding a
3% or lower mortgage interest rate and O8 to extend DU Refi Plus criteria
to everyone, not just Fannie Mae and Freddie Mac mortgage owners. In this
way, every house can be re-fied and people may lower their monthly payment
by half. In this way, some people won’t have to sell house at the
depressing price and remove their houses from market and driv
【在 c****x 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: At the current rate as in my post. 4.3% for 30-yr fixed.
and had to extend to another year. I think the housing market is demanding a
3% or lower mortgage interest rate and O8 to extend DU Refi Plus criteria
to everyone, not just Fannie Mae and Freddie Mac mortgage owners. In this
way, every house can be re-fied and people may lower their monthly payment
by half. In this way, some people won’t have to sell house at the
depressing price and remove their houses from market and driv
【在 c****x 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: At the current rate as in my post. 4.3% for 30-yr fixed.
M*g
78 楼
呵呵呵。。有樱桃的地方就会让你很放松。
加州不收properties tax,合不合理我都赞成。
btw,樱桃的战斗力与日俱增,赞美!
加州不收properties tax,合不合理我都赞成。
btw,樱桃的战斗力与日俱增,赞美!
c*8
80 楼
你们真是不知道哪根儿神经不对了,
这种话题,人家自己说可以, 但你们去说,味道不一样了。 换个单身女人说这个,就
更有问题了。
你没看国内有些贪官,自己贪几千万,结果父母在外地住着很节俭的房子,调查人员都
很吃惊。钱财这东西,你就算是人家熟人朋友,都别老往人跟前瞎凑合,更何况是网络
之交呢。
人家和你说这事儿的时候,肯定有当时上下文的需求和背景,但并没有提倡你们随时随
地都拿来讨论起来没完。
一个个的,来美国受过这么多的教育,在西方呆这么多年,脑子还跟中国农民似的,土
的掉渣,一点西方文明都没吸收进来。
退后一步,就算人家有10个M,你们说来说去的能说明什么问题? 能说明你按照他的路
子也5年以后10个M见? 反正我从来没兴趣深究谁谁谁的账户,更何况是网络呢。
无聊。
【在 a****b 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: 菜牛以前说过他有多少钱的。
: 好多。
这种话题,人家自己说可以, 但你们去说,味道不一样了。 换个单身女人说这个,就
更有问题了。
你没看国内有些贪官,自己贪几千万,结果父母在外地住着很节俭的房子,调查人员都
很吃惊。钱财这东西,你就算是人家熟人朋友,都别老往人跟前瞎凑合,更何况是网络
之交呢。
人家和你说这事儿的时候,肯定有当时上下文的需求和背景,但并没有提倡你们随时随
地都拿来讨论起来没完。
一个个的,来美国受过这么多的教育,在西方呆这么多年,脑子还跟中国农民似的,土
的掉渣,一点西方文明都没吸收进来。
退后一步,就算人家有10个M,你们说来说去的能说明什么问题? 能说明你按照他的路
子也5年以后10个M见? 反正我从来没兴趣深究谁谁谁的账户,更何况是网络呢。
无聊。
【在 a****b 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 菜牛以前说过他有多少钱的。
: 好多。
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