美國(guó)是否會(huì)出現(xiàn)房產(chǎn)危機(jī)？9月見分曉
Chris Morris
2021-07-07
當(dāng)新冠疫情威脅到美國(guó)人償還抵押貸款的能力時(shí)，美國(guó)政府出手推出了援助計(jì)劃，允許人們延期支付，最長(zhǎng)可以延期18個(gè)月。不過，對(duì)一些人來說，這個(gè)寬限期將在兩個(gè)月后結(jié)束。我們尚不清楚其影響會(huì)有多大？
不過有一件事情是肯定的：在即將到來的9月，那些延期付款的人要么繼續(xù)支付，要么出售房屋，否則會(huì)喪失抵押品贖回權(quán)。
抵押數(shù)據(jù)公司Black Knight稱，截至6月29日，205萬名私房屋主，約占房屋抵押數(shù)量的3.9%，依然列于新冠疫情相關(guān)抵押寬限計(jì)劃當(dāng)中。這個(gè)數(shù)字較上個(gè)月下降了6.6%，這是自新冠疫情危機(jī)開始以來的首次下降。
與此同時(shí)，截至6月23日，全美有4.73%的抵押貸款已經(jīng)逾期至少30天。近170萬筆抵押貸款已經(jīng)逾期90天，但還未喪失抵押品贖回權(quán)，較2月的215萬筆有所下降。
目前，各大銀行對(duì)于收回抵押品贖回權(quán)并不怎么熱衷。在過去一周中，各大銀行審核了14.6萬個(gè)寬限計(jì)劃，以決定是否延期或取消。其中，有4.4萬名私房屋主脫離了寬限計(jì)劃，另外10.2萬名則獲得了延期。
如果借款方的借貸得到了政府的支持，則借款方無需向出借方一次性支付已經(jīng)拖欠的抵押貸款。盡管一些機(jī)構(gòu)會(huì)選擇延長(zhǎng)寬限期，但如果借款方有工作，其他一些機(jī)構(gòu)可能會(huì)協(xié)商降低利率或延長(zhǎng)抵押貸款的年限，以降低每月還款額。
然而，喪失抵押品贖回權(quán)對(duì)一些人來說是實(shí)實(shí)在在的威脅。對(duì)這些人來說，好消息在于，美國(guó)房地產(chǎn)市場(chǎng)目前異?；馃帷７?jī)r(jià)在一年的大半年中一直在增長(zhǎng)，這意味著那些拖欠抵押貸款并面臨喪失抵押品贖回權(quán)的人可能會(huì)利用房產(chǎn)凈值的增加來消除這一債務(wù)。（財(cái)富中文網(wǎng)）
譯者：馮豐
審校：夏林
當(dāng)新冠疫情威脅到美國(guó)人償還抵押貸款的能力時(shí)，美國(guó)政府出手推出了援助計(jì)劃，允許人們延期支付，最長(zhǎng)可以延期18個(gè)月。不過，對(duì)一些人來說，這個(gè)寬限期將在兩個(gè)月后結(jié)束。我們尚不清楚其影響會(huì)有多大？
不過有一件事情是肯定的：在即將到來的9月，那些延期付款的人要么繼續(xù)支付，要么出售房屋，否則會(huì)喪失抵押品贖回權(quán)。
抵押數(shù)據(jù)公司Black Knight稱，截至6月29日，205萬名私房屋主，約占房屋抵押數(shù)量的3.9%，依然列于新冠疫情相關(guān)抵押寬限計(jì)劃當(dāng)中。這個(gè)數(shù)字較上個(gè)月下降了6.6%，這是自新冠疫情危機(jī)開始以來的首次下降。
與此同時(shí)，截至6月23日，全美有4.73%的抵押貸款已經(jīng)逾期至少30天。近170萬筆抵押貸款已經(jīng)逾期90天，但還未喪失抵押品贖回權(quán)，較2月的215萬筆有所下降。
目前，各大銀行對(duì)于收回抵押品贖回權(quán)并不怎么熱衷。在過去一周中，各大銀行審核了14.6萬個(gè)寬限計(jì)劃，以決定是否延期或取消。其中，有4.4萬名私房屋主脫離了寬限計(jì)劃，另外10.2萬名則獲得了延期。
如果借款方的借貸得到了政府的支持，則借款方無需向出借方一次性支付已經(jīng)拖欠的抵押貸款。盡管一些機(jī)構(gòu)會(huì)選擇延長(zhǎng)寬限期，但如果借款方有工作，其他一些機(jī)構(gòu)可能會(huì)協(xié)商降低利率或延長(zhǎng)抵押貸款的年限，以降低每月還款額。
然而，喪失抵押品贖回權(quán)對(duì)一些人來說是實(shí)實(shí)在在的威脅。對(duì)這些人來說，好消息在于，美國(guó)房地產(chǎn)市場(chǎng)目前異?；馃?。房?jī)r(jià)在一年的大半年中一直在增長(zhǎng)，這意味著那些拖欠抵押貸款并面臨喪失抵押品贖回權(quán)的人可能會(huì)利用房產(chǎn)凈值的增加來消除這一債務(wù)。（財(cái)富中文網(wǎng)）
譯者：馮豐
審校：夏林
When the pandemic threatened Americans' abilities to pay their mortgages, the government stepped in with a bailout program, allowing people to delay payments for (ultimately) 18 months. That grace period, for some, will end in two months, though. And it’s unclear how big the impact will be.
One thing’s certain: Come September, people who have been putting off payments will either have to resume them, sell their homes, or face foreclosure.
As of June 29, 2.05 million homeowners—some 3.9% of mortgaged properties—remained in COVID-19-related mortgage forbearance plans, according to mortgage data company Black Knight. That’s a 6.6% decline from the previous month—the first downtick since the COVID-19 crisis began.
Meanwhile, as of June 23, 4.73% of the nation’s mortgages were at least 30 days past due. Nearly 1.7 million were 90 days delinquent, though not in foreclosure. That’s down from 2.15 million in February.
Banks, at present, don’t seem eager to foreclose. Roughly 146,000 forbearance plans were reviewed for extension or removal over the past week. Of those, 44,000 homeowners left forbearance, and the other 102,000 were extended.
Borrowers won’t have to make a lump payment to reimburse lenders for missed mortgage payments if their loan is government backed. And while some institutions could extend the terms of forbearance, others might negotiate lower interest rates or extend the length of the mortgage to lower monthly payments, if the borrower has a job.
Foreclosure is a real threat for some, however. The good news for those people is the red-hot state of the U.S. housing market. Housing prices have been increasing for the better part of a year, meaning people who are behind on mortgage payments and facing foreclosure could erase that debt with the added equity in their homes.
財(cái)富中文網(wǎng)所刊載內(nèi)容之知識(shí)產(chǎn)權(quán)為財(cái)富媒體知識(shí)產(chǎn)權(quán)有限公司及/或相關(guān)權(quán)利人專屬所有或持有。未經(jīng)許可，禁止進(jìn)行轉(zhuǎn)載、摘編、復(fù)制及建立鏡像等任何使用。
