zu spät.................

so langsam aber sicher melden sich einige gewcihtige organisationen zu wort ob die ausmaße der blase nich zu kontrollieren sind bzw. fordern stärkere beschränkungen bei der kreditvergabe ein um evtl. schlimmeres zu verhindern. meiner meinung nach einige jahre zu spät.

großes kompliment hier an calculated risk!http://calculatedrisk.blogspot.com/

http://calculatedrisk.blogspot.com/2006/08/nontraditional-mortgage-guidance.html
hier werden ne stärkere regulierung der kreditgeber bei "kreativen" finanzierungen gefordert.
weil z.b.

Many borrowers are paying as little as possible. About 70 percent of the people who take out an option adjustable-rate mortgage, which lets the buyer avoid paying even the full interest on the loan, end up paying the lowest permissible amount each month, according to the Federal Deposit Insurance Corp., which regulates banks. The amount unpaid is added to the mortgage balance, so borrowers end up owing more than when they started. Having no equity in a home increases the risk of foreclosure, especially when housing values fall and houses are hard to sell....

In 2000, just 1 percent of American homeowners who got new loans had these types of loans, but by May 2005, about a third of all borrowers did -- about the same percentage as in May 2006, according to new data from First American LoanPerformance, which tracks the statistics

http://calculatedrisk.blogspot.com/2006/08/mortgage-insurance-companies-letter-to.html
hier eine art hilferuf der hypothekenversicherungen an die aufsicht endlich einzuschreiten.
(bitte unbedingt lesen!/must read)

gruß
jan-martin