2008年3月25日星期二

一蚊一間屋


喺復活節長假期期間,美國金融市場真係出現左一片復活跡象,有兩宗好消息,被市場形容為最差情況可能已經過去,包括左摩根大通提高五倍出價收購貝爾斯登、以及數據顯示,二手樓有見底跡象。

成日話美國樓市係「危機之源」,到底樓市見底未?

美國二手房屋銷售、二月銷售上升百分之2點9,七個月以黎首次上升,表面睇好似唔錯。

不過,成交上升背後,係買家成功壓價,樓價就要急跌百分之8點2,係有紀錄以嚟最大跌幅。

樓價出現咁大跌幅,係斷供物業不斷增加,喺一啲重災區好似係內華達州同聖地牙哥,有四成樓市成交都係嚟自斷供物業。

有代理話,佢地每賣出一個單位,就會收到兩個嚟自銀行收番嚟嘅斷供物業。

斷供物業唔止嚟自房利美或者COUNTRYWIDE,仲有係政府嘅房屋及城市發展部(HUD)。

HUD由於向銀行提供按揭保險,最終都係變相持有唔少斷供物業,最近為左減持物業、政府甚至向一啲非牟利嘅地區發展商,提出一美金一間屋嘅計劃。

有分析員認為,銀行同按揭機構肯大幅擘價,係面對現實嘅做法,至少可以吸引一啲仲有供樓能力嘅公務員、教師呢類中產人士買入過去佢地負擔唔到嘅樓價。

不過到底樓價仲要跌幾多先至夠?

瑞信話,喺邁阿密要跌多四成、喺洛杉機要跌兩成六、喺內華達州要跌兩成。

另一個可能影響樓市成交因素、華爾街日報話係唔少物業都已經按揭證券化,賣家要減價求售,要先向按揭機構證明成交價係合理價,可能會影響樓市調整速度。

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