U. S. real estate mortgage slave eyes - China Ceramic tile adhesive | | | waterproof coating straight with mortar jointing agent

the Chinese American real estate mortgage slave's eyes: don't eat not to drink in the family to buy

the last two decades, with the reform of the housing policy, China's real estate enterprise develops rapidly, house prices are double. After the author as a growth in this environment is exposed to. Years, I have the honor to travel to the united high school, is a study in the new tide of tves.

【 Ocean the other shore. People in the United States, a house of a QianHouYuan paint & other; The American dream throughout the &; Is also an indispensable part of.

the last two decades, with the reform of the housing policy, China's real estate enterprise develops rapidly, the house price has been doubled. After the author as a growth in this environment is exposed to. Years, I have the honor to travel to the united high school, is a study in the new tide of tves. After graduated from the university, work up to now, the author has spent years in question. Even so, as a result of growth in the era of China that buy a house, buy a house investment concept of flipping the indelible mark in my heart. Real estate market recovery in the United States as a result, at the beginning of the background and the Chinese people in the United States to buy hot little background, the author also, mood. according after becoming a member of mortgage slave. In this as a normal mortgage slave, as a Chinese perspective, shallow slightly share personal observation is one of the two.

talking about the us housing market, have to mention in the subprime crisis. Since years, the United States for the real estate bubble burst triggered by the subprime crisis caused by the economic downturn continues today. A lot of the real estate boom bought property, after the bubble burst mostly insolvent, throw bank loans owed by along with the house. This phenomenon in the sunshine state (in the American south 阳光地带的州) , such as Nevada, Arizona is particularly acute. CBS news commentary program 'minutes there was a famous collection of special field the phenomenon of Las Vegas, Nevada houses were discarded. After the host see lousy poop, and empty again after being damaged, the apartment occupied by a tramp, out into the & other; An economic collapse, no less than war destruction degree & throughout; Sigh.

and since the fed's quantitative easing policy stimulus, with U. S. Treasury bonds as a benchmark of fixed-income assets yields have fallen sharply, cause a large number of chase returns investors seeking for high return on assets. At the same time, many institutional and individual investors take the U. S. real estate market downturn for many years, in the context of very low interest rates aggressively to enter the real estate investment. And America's big financial institutions to the real estate bubble caused by the crisis is still lingering, remain cautious about real estate mortgage loans, strict with borrowers, and before the crisis & other; As long as you have the heart, the bank will give you credit & throughout; Very different attitude. So, this group of investors, is a large cash purchase. Investor this ferocious, and market supply is limited, leads to tight supply and rising prices. And some have since the living demand of buyers, because of personal credit problems, cannot get loans from the bank, but was out of the market.

when it comes to house property differences between the two countries, China and the United States will have to talk about the different ideas and Chinese americans to buy. In crisis is a lesson for americans to the ground & ndash; — Not only do not fall in the real estate market, make the conditional buyers are also more cautious. At the same time, the author in contact with the americans almost there is no need to buy a house before she got married Chinese mother-in-law type logic. The reason about the following:

one of, young americans due to job changes would not too early to buy a house and fixed in a city. At the same time, the American real estate transaction cost is relatively high, every time they sell their house, in the general tax, sellers have to pay additional % of the cost of real estate brokerage.

second, American personal independence concept is stronger, the majority of people even in the same city with their parents after graduation from the university, also would rather rent a house outside live with their parents, let alone buy a house for sponsored parents down the logical thing appears in many Chinese.

third, American house prices relative to income is not high. Median family income in the us in the thousands of dollars, and median home prices in dollars or so. That is to say, an American family don't eat not to drink, years can buy a home. At the same time, there are many different kinds of real estate mortgage loans in the United States, if the buyer credit record is good, have a stable income, down payment % is feasible. So, americans don't have to buy a house this thing look like Chinese people so heavy.

although americans and the Chinese attitude to buy a house there are many different, but both yearning for owner-occupied housing is consistent. Mencius proposed & other; Home ownership & throughout; Is American politicians often mention slogan. All housing rate ( 房屋所有权) Is also an important one in political and economic indicators. People in the United States, a house of a QianHouYuan paint & other; The American dream throughout the &; Is also an indispensable part of. Now that is a dream, is not easy to achieve. Although above average families don't eat not to drink more years can afford to buy a suite, but americans are notoriously bad savings. In a real income growth stagnation of almost a decade, the commodity society developed to & other; Only you can't think of, have no you can't buy & throughout; Country, for many americans, a month is not a bunch of credit card debt is already amitabha, thank god, to buy a house in many American families also is a distant goal. ( The author is American SNL Financial analyst)