Foreclosures are on the Rise but are You Talking to Your Lender? foreclosures正在上升，但你在跟您的放款？

Published on May 16, 2008 in Uncategorized . 0 Comments 发表于2008年5月16日 在未归类 。 0 评论

The moment the US government under President Bush, members of Congress and no fewer than 37 top State Prosecutors pile pressure on lenders to communicate with struggling home owners rather than simply pull the plug and automatically foreclose on a property the owner of which has missed a number of payments you know that just because a home owner’s finances have taken a bad turn it does not mean that nothing can be salvaged.目前，美国政府根据美国总统布什，美国国会议员及不得少于37个国家最高检察官桩的压力，放款人沟通，与挣扎，自置居所而不是简单地把堵塞，并自动预先对物业的业主已错过了一些付款的，你知道只是因为一个家拥有的财政状况已采取了坏把它并不意味着没有什么可以挽救。

Let’s look at the facts that usually govern a situation about to go to foreclosure: 1.让我们看看事实，通常执政的情况下约去赎： 1 。 The homeowner has missed a number of payments and is facing some financial difficulty.屋主已错过了多少款项，并面临着一些财政困难的。 But he was able, prior to that to actually make payments and keep things together so there is a good chance that given some leeway he can do it again.但他能够之前，即实际支付款项，并保持共同的东西，所以是一个很好的机会，由于一些余地，他可以做一遍。

2. 2 。 The lender is following an in-house process which flags up a property for foreclosure.贷款人是以下一，在内部的过程，国旗了一个财产赎。 There is a built-in safety margin in this process which varies from lender to lender but times are tough and lenders these days are afraid that if they wait any longer and house prices dip they will lose even more money as the homes they have foreclosed on fetch a lot less than they might fetch now.有一个内置的安全保证金在这个过程中不同从放款人向贷款人，但时代的强硬和放款人这些天很担心，如果他们再等，以及房价下跌，他们就会失去，甚至更多的钱，作为家中，他们在外就市值大大少于他们可能会市值现在。

3. 3 。 For a lender to foreclose on a property and decide to take possession and sell it on marks a certain desperation.对于贷款人，以预先对物业，并决定采取藏有及售卖，这对马克某绝望。 Lenders are not really geared up to sell houses.放款人是不是真的加紧出售房子。 Foreclosed properties are always less than perfect and even a prime example in a really good location usually fetches up to 40% below its market value, many times far less.在外性能总是少于完美的，甚至是一个主要例子，在一个真正的好位置，通常撷取高达40 ％低于其市场价值，多次少得多。

You will ask, quite naturally, why are there foreclosures then?你会问，很自然地，为什么有foreclosures然后呢？ Well, because it is the only tool left to lenders after borrowers fail to make a number of payments that ensure that they get some of their money back and send a strong message to other home owners regarding making their payments on time.好，因为它是唯一的工具，左放款后，借款人未能作出若干款项，确保他们得到了他们的一些钱，回到和发出一个强烈的讯息，其他业主就使他们支付的时间。

The point here is that with lenders under pressure from official channels to be a little less quick to foreclose on properties, struggling homeowners now have the opportunity to fight to keep their property by talking to the lender and seeing if they can come to some arrangement.这一点在这里是与贷款人的压力下，从官方渠道要少一些，以预先快速的性能，挣扎业主现在有机会争取使他们的财产是由谈向贷款人看到，如果他们可以来一些安排。

The rules here are: be honest, be creative and be prompt.这里的规则是：诚实，创意和迅速。 Do not wait until the eviction agents are at the door to ring your lender.不要等到被驱逐代理商在大门响您的贷款人。 Call or write.打电话或写信。 Explain the problem in detail and, above all, offer a solution.解释这个问题在详细，最重要的是，提供一个解决办法。 In the foreclosure stakes Officialdom, for once, is very much on your side so make sure you capitalize on it and keep the communication channels open.在该赎的利害关系官场，有一次，是非常对贵方，所以请务必充分利用它，并保持沟通渠道的开放。 After all it is your home that is at stake.毕竟这是你的家处于危险之中。

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New Home Sales Figures Reveal True State of Real Estate Market 新屋销售数字显示，真正的国家房地产市场

Published on May 13, 2008 in Uncategorized . 0 Comments 发表于2008年5月13日 在未归类 。 0 评论

There is always a risk analyzing real estate sales on a month-by-month, year-by-year basis precisely because the underlying factors are fluid and nothing is really the same in the comparisons.始终存在着风险分析，房地产销售在1个月，按每月，每年的基础上，正是因为背后的因素是流体，并没有真的是相同的比较。 However, it is always important to understand the state of the market and until a better way presents itself this will have to suffice.不过，它始终是重要的是要了解国家的市场，直至更好的方式介绍自己，这将不得不就够了。

With sales of new homes in the Seattle area the lowest in five years it might be tempting to say that yes, the housing market is slowing down.与新屋销售在西雅图地区最低在5年内，它可能是诱人的说是，房屋市场的放缓。 Pundits have even begun contemplating the dreaded ‘R’ word in relation to the economy.专家们甚至开始contemplating可怕的'一词在关系到经济。

I am going out on a limb here but my guess is that the economy is as far away from a recession as it has ever been and that while new home sales figures may be slow buyers are just taking longer to pick new homes for two distinct but related reasons:我走出去对肢体在这里，但我的猜测是，经济是远离经济衰退，因为它从未和表示，虽然新屋销售数字可能是缓慢的买家，只是以更长的时间才能挑选新的家园，为两个截然不同的，但相关的原因有二：

First, foreclosures are beginning to bring into the market a steady stream of homes which can be picked up at a bargain price.首先， foreclosures开始带入市场稳定的家园可以拿起一个讨价还价的价格。 Homes which are brought to the market as a result of foreclosure are more complicated to sell, the buyer needs to line up credit and a survey needs to be done if it hasn’t already and because the homes are almost always in less than perfect condition buyers tend to take longer to make up their mind as they weigh up all the options available to them.家园是带来向市场，由于赎较为复杂出售，买方需要排队，信贷和一项调查，需要做的，如果它没有，因为已经和家中几乎都是在不到完美的条件买家往往需要较长时间，以弥补他们心中，因为他们衡量所有可供选择的方案给他们。

Lenders also are more careful these days.放款人也更加审慎的这些天。 They take longer to line up credit, carry out all the due diligence checks they need to and are less eager to accept self-certified borrowers because this has been one of the causes which have led us to the current state of the market here.他们需要较长时间排队，信贷，进行所有的尽职调查检查，他们需要和较差的渴望接受自我认证借款人，因为这一直是原因之一，这使我们的现状，市场在这里。

So, what is the real picture you are going to ask me?因此，什么是真正的图片你要问我呢？ While it is true that overall new home sales are down compared to the same month’s figures of a year ago we have to take into account the factor of foreclosure releasing a lot of competitively priced properties in the market plus the length of time required to complete a purchase.虽然这是事实的整体新屋销售下降同月相比的数字，一年前，我们亦要顾及的因素赎释放了很多价格竞争力的性能在市场上另加的长度所需的时间完成购买。

The real estate market has slowed down a little in terms of growth but it is not shrinking by a long shot.房地产市场放缓一点，在增长而言，却是不萎缩，由一个长期枪杀。 As we are heading towards the end of year the figures will begin to rally a little and there will be a partial recovery.作为我们走向结束，今年的数字将开始反弹一点，将会有部分恢复。 It is safe to say perhaps that the real estate market will be like this for some time as lenders and borrowers try to avoid the mistakes which have led to the current level of foreclosures and that, in my book, is a good thing to happen for everyone concerned.它是安全的说，也许房地产市场就会像这一段时间，作为贷方和借方，尽量避免错误，这导致目前的水平foreclosures和，在我的书，是一件好事发生每个人都关注。

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Foreclosure Increase Drives Down Median Home Price 赎增加驱动器的下跌中位数房价

Published on May 12, 2008 in Uncategorized . 0 Comments 发表于2008年5月12日 在未归类 。 0 评论

The median price per square foot is a vital measurement of the overall state of health of the real estate market.中位数的价格每平方英尺是一个重要的测量的整体健康状况的房地产市场。 Here’s why: First builders and developers use it in order to estimate their costs and return on investment in new properties they build and older properties they acquire, re-model, and sell on.这里的原因：一是建设者和开发者使用它，以便估算其成本和投资回报率在新的属性，他们建立和较旧的物业，他们收购，重组模型，并就出售。

Second, home buyers use it to determine their budgets and buying power.第二，置业人士用它来确定其预算和购买力。

Third, it is used by Realtors as a measurement if the way the market is heading so that they can calculate what is happening and what the overall trend is.第三，它是用房地产作为一个测量方法，如果市场是标题，使他们能够计算正在发生的事情是什么，但总体趋势是。

Fourth, it is used by appraisers and lenders as a means of calculating the value of a home against a loan or early sale.第四，用它估价师和放款人作为一种手段，计算的价值，一个家对贷款或明年初有售。

Fifth, it is used by foreclosure experts who use it to calculate the bargaining power they have.第五，用它赎专家谁用它来计算的议价能力，他们有。

For all of these reasons the moment the median price goes up or down the market as a whole shifts accordingly to compensate.出于所有这些原因，目前的中间价格去向上或向下的市场作为一个整体的转变相应的补偿。 At the moment in Seattle, for example, the news is that the median price per square foot fell by a whole $3.00 from $240 (which, incidentally was a record high) to $237.00.目前在西雅图，举例来说，消息是，中位数的价格每平方英尺下跌整个三点〇 〇美元从240元（其中，顺便是一个最高纪录）二百三十七点○○美元。

It is tempting to read too much in this shift and argue that the market is in decline, values are dropping and the real estate market is shrinking, but then when we actually remember that it is still above last year’s levels we realize that the perceived shrink is against current price performance level expectations which may be unrealistic, rather than a decline as such.这是诱人的阅读太多，在这种转移和认为，市场是在下降，值下降，房地产市场正在萎缩，但随后当我们其实还记得，这是仍高于去年的水平，我们认识到，知觉萎缩，是对当前的价格性能水平的期望，这可能是不现实的，而不是下降等。

In addition to this the fact that the foreclosures hitting the market are releasing house stock which is selling well below its market value and therefore well below the per square foot price it would get if it was sold through normal channels, must indicate that the value of homes is still rising otherwise the per square foot drop would have been a lot steeper.此外，这个事实，即foreclosures打市场释放内务股票是销售远低于其市场价值，因此，远低于每平方尺的价格，它会得到，如果被通过正常渠道，必须表明的价值家园仍在上升，否则每平方英尺下跌已很多陡峭。

All this becomes relevant only if you are thinking of selling your house or buying a home.这一切都成为有关，只有如果你是思想的出售你的房子或买回家。 Unless there is an urgent need to sell a house waiting for foreclosures to settle and the market to find an even keel again will only benefit you.除非有迫切需要出售房子等待foreclosures解决和市场找到一个平衡再次将不仅有利于你。 If you are buying perhaps now is the time to find a real bargain in either a brand new home or one of many bargains hitting the market as part of the property foreclosure sales.如果您要购买，也许现在是时候了找到一个真正的讨价还价，无论是一个全新的在家中或之一，许多讨价还价的命中市场的一部分，该财产的赎销售。

Foreclosures are a hot item at the moment with a lot of attention being given to the fact that they appear to be on the increase. foreclosures是一个热点项目，目前有很多的关注，当局现正考虑事实，即他们似乎是在增加。 Foreclosures also play a vital part in stimulating the housing market by allowing new home owners to come in at a level which perhaps they would not otherwise afford. foreclosures也发挥了重要组成部分，在促进住房市场，允许新家园的业主来在在一定的水平上，这也许是他们不会，否则负担不起。 As long as they do not get out of hand and start having a negative impact on the market then they are nothing to worry about.只要他们不失控，另一方面开始有负面影响，对市场，然后他们没有什么担心。

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Foreclosure Threshold Gets Narrower as Real Estate Market Tightens Up. 赎的门槛会越走越窄，作为房地产市场的紧缩。

Published on May 8, 2008 in Uncategorized . 0 Comments 发表于2008年5月8日 在未归类 。 0 评论

Foreclosure figures are rising right across the continental USA and any county or State in particular, once it is normalized for regional variations, can act as a reliable weather vane for what is happening in every part of the country.赎数字不断上升，整个大陆和美国的任何县或国家，特别是，一旦它归为区域差异，可以作为一个可靠的天气叶片为正在发生什么事情，在每一个国家的一部分。

In California, the number of foreclosures is on the increase.在加利福尼亚州，人数foreclosures正在增加。 Foreclosures are a distasteful but unfortunately necessary part of the Real Estate business. foreclosures是一个distasteful ，但很可惜的必要组成部分地产业务。 Lenders use foreclosures to send a strong message to borrowers who would otherwise default on their payments at the first sign of trouble with their finances.放款人使用foreclosures发出一个强有力的讯息，谁借款，否则默认情况下对他们支付在第一次签署的麻烦与他们的财政状况。

To be honest, lenders do not like having to foreclose on a property and will, initially, exhaust all other avenues they have, trying to communicate with the property owner before they decide that it is now time to call it in and take possession of the property.要诚实，贷款人不喜欢，无须预先对物业，并会在初始阶段，在用尽所有其他途径他们，试图沟通，与业主之前，他们决定，这是现在的时间要求和它在接管该财产。

There is something here, at this highly emotive stage, that may people lose sight of: once a property moves into the foreclosure zone all is still not lost.有一些东西在这里，在这个高度情绪化的阶段，可能人们忽视：一旦财产进入赎区域所有的仍然是不会遗失。 Lenders may not be the kindest organizations on the planet but they work best when they lend money and receive payments back.放款人可能不会被kindest组织于这个星球，但他们的工作，最好当他们借钱，并收到款项回。 Taking possession of a property, creating a huge administrative load dealing with a hard-to-reach house owner who has suddenly fallen on financial hard times, and then moving in and selling the property, are all loss-making activities.以藏有知识产权，创造一个庞大的行政负荷处理一个难以接触到屋主谁却突然下降，对财政困难的时刻，然后在移动和出售财产，都是损失的决策活动。

The lender, by default, is geared up to try and find ways to minimize this loss.贷款人，默认情况下，是面向直至设法找出方法，尽量减少这方面的损失。 Precisely because of this there exists the possibility of a home owner moving out of the foreclosure zone and saving their property and credit rating by engaging in any of the following activities: 1.正因为如此，存在的可能性，一个家拥有走出去的赎区和节省他们的财产和信用评级，由从事以下任何活动： 1 。 They could bring their payments current.他们可以把他们的收支经常。 2. 2 。 They could refinance either by taking another loan or a second mortgage which releases equity in their property 3.他们可以再融资，要么以另一种贷款或第二按揭释放股本在他们的财产3 。 They could sell their property, pay back what they owe and move on.他们可以出售他们的财产，回馈什么他们有责任继续前进。

Now all of these are viable options in a market that is still buoyant.现在所有这些都是可行的方案，在市场仍是兴旺。 However the moment the market tightens up the choices available to a home owner looking to save their property significantly narrow.不过目前市场的紧缩行动的选择，提供一个家业主寻找挽救他们的财产显着缩小。 This then leads to an increase in foreclosures as those in financial trouble are unable to get out of it.然后，这导致增加了在foreclosures那些在财政困难无法摆脱它。

The current figures available for California show that roughly half (54.6 percent) of the homeowners in default emerge from the foreclosure process by bringing their payments current, refinancing, or selling the home and paying off what they owe.现时的数字，供加州表明，大约有一半（ 54.6 ％ ）的业主，在默认情况下出现的从赎过程，使他们的收支经常，再融资，或出售家庭和回报是什么他们有责任。 A year ago it was 88.0 percent.一年前，这是88.0 ％ 。 The decrease is significant because it shows that we are now in the grip of a bear market for real estate which will only get worse as lenders are forced to dispose of the properties they have acquired at a loss and then proceed to tighten their own lending procedures further restraining the growth of the home buyers’ market.减少的原因是重要，因为它表明我们正处于抓地力的熊市房地产将只会更糟作为贷方的是被迫处置该物业，他们已获得处于亏损，然后进行，以加强自己的贷款程序进一步抑制生长的置业人士的市场。

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