救救花旗國負資產
美國聯儲局主席伯南克又出口術,話不排除再救市,為股市造「人工呼吸」,奈何無實際落藥,故只略支撐美股。港股昨日開市亦挾高200點,直至見20,832點便已無力向上,加上同為期指結算日,大戶轉向推低中國人壽(2628)和中國移動(941)股價,令恒指升幅之後反覆收窄,全日只升139點,收報20,737點,主板成交僅492億元,扣除窩輪加牛熊證成交後,更只有363億元,乾升罷了,負面氣氛仍籠罩。
經濟未見起色,市場早已認為各地政府仍需出手,像日本央行昨終擴大貸款規模,日經平均指數即彈1.7%,至9,149點,之後政府又籌備推出9,200億日圓(約845億港元)的刺激經濟新措施,但對舒緩日圓匯價高企幫助不大,恐怕出口再受打擊,本地實質經濟肯定難有起色,難怪日本商界終放下本土主義,走向國際,像網上旅遊和零售網站集團Rakuten(樂天)創辦人兼總裁三木谷浩史提出2012年起,員工需以英文溝通,文件語言格式亦需跟隨。至於Uniqlo品牌的Fast Retailing亦於後年起,統一在內部會議和電郵中用英文,對當地員工來說,可提升技能應付競爭,但當地教育能否配合呢?
美國方面,伯南克也要計算好時間讓市場有驚喜,令股市造好,因通用汽車(GM)籌備在今年成為當地最大集資計劃,或搶160億美元(約1,248億港元),故連內地人仔也不放過,傳上汽入股GM。
不過,美國樓市仍處深切治療階段,要改善經濟就要加強救樓市。即使美國房貸機構Freddic Mac(房地美)統計,30年按揭固定息率由4.42厘降至4.36厘,為1971年有統計以來新低水平,並且在過去10周中,足足有9周錄得按揭息率下跌情況,反映借錢買樓成本低,現有業主也可透過轉按而受惠,但樓市成交仍然低迷。
經歷過本港樓市低潮的業主,相信比禤中怡更清楚,首先出現的當然是「負資產」這個恐怖詞語,由於當地管制銀行力度加大,業主尚餘按揭額分分鐘比現時樓價為高,要成功轉用更低息的按揭,自然要找方法填補轉按金額不足部分,試問業主如何搵錢贖身呢?
CoreLogic統計顯示,原來第二季當地有多達1,100萬間住宅仍處負資產情況,佔整體比重23%,比首季的1,120萬間降1.7%,看似數字減少屬喜訊,但細心一看,並非受惠樓價向上而擺脫困境,原來是負資產已淪為銀主盤,再望望foreclosure.com,接近成為銀主盤(即業主可能欠交供款,銀行提出需還款,或賣屋還債),以致遭銀行沒收作拍賣的物業高達226.7萬間。所謂好戲在後頭,原來統計還發現,有多達240萬間住宅的業主所投入的真金白銀佔樓價僅5%而已,意味這批業主極有可能加入負資產行列。其實,美國政府不讓樓市惡化已是功德無量,特別是想方法讓政府所印銀紙能交到業主手上,否則經濟「康復出院」仍有一段距離。
(於8月31日刊於《am730》)
6 Comments:
住宅負資產佔整體比重高達23%, 與香港當年很接近了. 不過, 單看這個數字是不足夠的, 還要看負資產的深度. 基於美國樓價跌幅只有兩三成, 相對於香港當年樓價曾跌近七成, 負資產的深度實在有限, 大家不必過份憂慮, 美國政府相信是有能力解決負資產困難的, 問題只是時間而已.
香港有天水圍. 美國都有. 一流學區, 治安好o既市中心區, 過去一年都起碼升左 15%. 呢個下跌數據, 係講緊好多個天水圍
air max, burberry outlet, true religion jeans, louboutin, louis vuitton outlet, louboutin, ray ban sunglasses, tiffany and co, coach outlet store online, oakley sunglasses cheap, christian louboutin shoes, longchamp outlet, louis vuitton, true religion jeans, tory burch outlet, kate spade outlet, kate spade handbags, oakley sunglasses, jordan shoes, polo ralph lauren outlet, louis vuitton outlet, louis vuitton handbags, coach outlet, prada outlet, ray ban sunglasses, chanel handbags, michael kors outlet, longchamp handbags, michael kors outlet, oakley sunglasses, nike shoes, air max, coach purses, michael kors outlet, longchamp handbags, louis vuitton outlet stores, nike free, prada handbags, coach factory outlet, gucci outlet, tiffany and co, louboutin outlet, michael kors outlet, polo ralph lauren outlet, michael kors outlet, burberry outlet, michael kors outlet
marc jacobs, soccer shoes, abercrombie and fitch, hollister, asics running shoes, canada goose, ugg boots, nfl jerseys, reebok outlet, herve leger, ugg, north face outlet, mont blanc, longchamp, insanity workout, canada goose uk, chi flat iron, babyliss pro, ugg pas cher, ugg australia, canada goose jackets, mcm handbags, canada goose, wedding dresses, new balance shoes, mac cosmetics, soccer jerseys, celine handbags, birkin bag, p90x, ferragamo shoes, valentino shoes, nike huarache, beats by dre, ghd, instyler, jimmy choo outlet, lululemon outlet, bottega veneta, canada goose, rolex watches, canada goose outlet, vans shoes, nike roshe run, moncler, ugg boots, north face jackets, uggs outlet, giuseppe zanotti
marc jacobs, soccer shoes, abercrombie and fitch, hollister, asics running shoes, canada goose, ugg boots, nfl jerseys, reebok outlet, herve leger, ugg, north face outlet, mont blanc, longchamp, insanity workout, canada goose uk, chi flat iron, babyliss pro, ugg pas cher, ugg australia, canada goose jackets, mcm handbags, canada goose, wedding dresses, new balance shoes, mac cosmetics, soccer jerseys, celine handbags, birkin bag, p90x, ferragamo shoes, valentino shoes, nike huarache, beats by dre, ghd, instyler, jimmy choo outlet, lululemon outlet, bottega veneta, canada goose, rolex watches, canada goose outlet, vans shoes, nike roshe run, moncler, ugg boots, north face jackets, uggs outlet, giuseppe zanotti
louboutin, moncler outlet, juicy couture outlet, iphone 6 cases, hollister, moncler, karen millen, oakley, baseball bats, wedding dresses, ray ban, gucci, canada goose, ralph lauren, canada goose, swarovski crystal, hollister clothing store, moncler, air max, converse, pandora jewelry, juicy couture outlet, rolex watches, moncler, supra shoes, moncler, pandora charms, ugg, vans, toms shoes, links of london, pandora charms, air max, timberland boots, parajumpers, hollister, thomas sabo, louis vuitton, montre homme, coach outlet store online, lancel, ugg, swarovski, moncler, converse shoes
Post a Comment
<< Home