πηγή φώτο και σχετικό άρθροΜια ιδέα του τι σημαίνει να "σκιώδες απόθεμα κατοικιών": οι κατοικίες που ενώ έχουν ιδιοκτησία τις τράπεζες, δεν βγαίνουν στην αγορά...
Εάν βγουν, η αγορά θα βουλιάξει...
Τα πράγματα δείχνουν δυσκολότερα από ότι πιστεύεται...
Πάμε σε κάποιον ακόμα:
The counts below are servicer stats and in no way represent the number of loan defaults a insti might be experiencing on balance sheet - I have other charts for that!
For those of you that are curious as to total counts of new loan defaults bearing down on the state, the following is a 2-year chart of new NOD’s. March brought the first 50k+ count ever. From here the banks and servicers will try anything they can to get borrowers into mortgage mods before the Notice-of-Trustee Sale in filed 4-5 months down the road but ultimately most will make it to foreclosure sooner or later.
But this time around the mix has changed. Mid-to-upper end loans — and homes attached to them — are going into the foreclosure process at the greatest rate ever. The following chart shows defaults on loans over $750k. This is trouble because the demand in the segment of the market is outpaced by foreclosure supply alone - where does that leave Ma and Pay Homeowner?
Lastly, the following NTS chart shows properties within 30-days of going to the actual courthouse for foreclosure sale. This massive jump from Feb is likely the beginning of the wave I have been awaiting that will carry foreclosure back to all-time highs within three months.
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