"ob izkoriščanju možnosti neplačila obresti, narastejo na 125 odstotkov začetne glavnice"

Da se podaš v tak kredit, si drugega argumenta kot nepremičnine bodo vedno rastle z najmanj 20% letno, skoraj ne znam predstavljati

Druga runda se začenja.

Dober članek, bravo Uroš! Niso problem le subprime mortgages, tudi prvoklasne hipotekarne kredite je brez veze plačevat, če je dolg bistveno večji od vrednosti nepremičnine.Here we go again - real estate crisis (part II).

Baje, za ziher ne vem ker nisem od tam, so v Kaliforniji ljudje dejansko bili prepričani, da bo njihova nepremičnina v prihodnje apreciirala za 20 odstotkov letno. Evo citat iz enega od kometrjev tipa, ki ja napovedal sesutje nepremičninskega trga: " And especially when they had so much to gain. Real-estate prices were rising. At one point, in California they took a survey — I think back in 2005 — and the average home buyer believed that his house was going to appreciate by 20 percent a year for the next ten years. That was what was expected. 
Now, you think about it. At the time, the average California home was selling for about $500,000, which was about ten times what the average household actually earned.So, but these guys actually believed that if they bought that house they would make $3 million over the next ten years. That's what they believed.Now, is it any wonder that they lied on their mortgage to get that $3 million? Is it any wonder that they signed up for a teaser rate? Do you think they cared what happened to the loan two or three or five years from now?....http://mises.org/story/3493

Uroš in Inforwarrior hvala. Izčrpno in uporabno.

Vir tudi bc123a, poleti 2007, ko je ta graf prilimal na forum.

bc123a je napisal(a):
Vir tudi bc123a, poleti 2007, ko je ta graf prilimal na forum.

 
In zapisal tole:

forum.finance.si/?t=...083#109777

KondaU je napisal(a):
Baje, za ziher ne vem ker nisem od tam, so v Kaliforniji ljudje dejansko bili prepričani, da bo njihova nepremičnina v prihodnje apreciirala za 20 odstotkov letno. Evo citat iz enega od kometrjev tipa, ki ja napovedal sesutje nepremičninskega trga: " And especially when they had so much to gain. Real-estate prices were rising. At one point, in California they took a survey — I think back in 2005 — and the average home buyer believed that his house was going to appreciate by 20 percent a year for the next ten years. That was what was expected. 
Now, you think about it. At the time, the average California home was selling for about $500,000, which was about ten times what the average household actually earned.So, but these guys actually believed that if they bought that house they would make $3 million over the next ten years. That's what they believed.Now, is it any wonder that they lied on their mortgage to get that $3 million? Is it any wonder that they signed up for a teaser rate? Do you think they cared what happened to the loan two or three or five years from now?....http://mises.org/story/3493

LOL. Ja špricanje matematike v šoli se res ne izplača :)