Articles related to: housing
1: Protecting And Preserving Your Carpets
Carpets are included in most of the households in the world. Protecting, cleaning, and preserving carpets genuinely pays of when the big picture comes into focus when looking into the future of home m..
2: Choosing If You Want Carpets For Your Home
When you get a home that is old and in need of some updating you might want to think carefully about laying down new floors. The purchase of a home is expensive, but renovating it is even more expensi..
3: The Appropriate Discount Rate for Residential Real Estate Analysis
The investment value of a property can only be measured against other investment opportunities available to an investor. If investors can earn 4.5% by investing in government treasuries, they will dem..
4: Residential Real Estate Investment Value - How Is It Calculated?
The United States Department of Labor Bureau of Labor Statistics measures the rent of primary residence (rent) and Owners' equivalent rent of primary residence (rental equivalence). They make this dis..
5: Real Estate is the Major Religion in California
California has a major cultural "religion" that cuts across traditional denominational lines, the religion of real estate. Like any religion it requires faith. The religion of real estate requires bli..
6: If You Are Underwater but Can Afford the Mortgage Payment You Should Hang On
Anyone that can manage their payments should consider trying to hold on, even if the house value has dropped well below their purchase price. There are still a great many overextended homeowners and s..
7: Regulatory Solutions to Prevent the Next Housing Bubble
The regulatory solution proposed herein is simple, yet far reaching. It comes in two parts, the first is to limit the amount lenders can loan to borrowers with a rather unique enforcement mechanism, a..
8: Changing Appraisal Methods would Prevent the Next Housing Bubble
Investor confidence in the market for CDOs and all mortgages was shaken during the decline of the housing bubble, and rightly so. Investors were losing huge sums, and nobody clearly understood why. Th..
9: Recession Dealt Us a Hand We Must Play Cunningly
We have been dealt a hand which is very difficult to play with any sort of confidence. However, we must realize that hardly anybody is holding a good hand, and thus we are not necessarily down and out..
10: Housing Bubble Economic Problems - Have We Seen the Worst?
The foremost problem resulting from the deflation of the housing bubble was the imperilment of our banking and financial system. The bailouts emanating from Congress have mostly focused on keeping the..
11: Housing Bubble Causes - Why Did It Happen?
The housing bubble was caused by an expansion of credit that enabled irrational exuberance and wild speculation. The expansion of credit came in the form of relaxed loan underwriting terms including h..
12: In a Buyer's Market the First Offer is the Best Offer
The most counter-intuitive part of buying in a buyer's market is to make the first offer the best offer. Ordinarily sellers, or more accurately the seller's realtor, try to create a sense of urgency t..
13: What to Do When the Sale Price of a Home Does Not Pay Off a Mortgage
Once a price decline gets underway many buyers who were late to the price rally find they are in a property worth less than they paid for it. As prices continue to fall, many find themselves "underwat..
14: Buying and Selling Real Estate During a Decline
Residential real estate markets generally move very slowly and trend in a single direction for long periods of time. Once these markets reach an inflection point, the direction of price movement chang..
15: Unemployment and Residential Real Estate Markets
Prior to the housing bubble, house price declines had only been associated with economic downturns and increases in unemployment. As people lost jobs, they lost their ability to make house payments, a..
16: Housing Bubble Credit Expansion - Credit Inflated the Housing Bubble
The housing bubble was inflated by a massive expansion of credit and the influx of capital into residential mortgages. The expansion of credit took four forms: lower interest rates, lowering or elimin..
17: Mortgage Interest Rates and House Prices
Mortgage interest rates are determined in an open market and are subject to the forces of supply and demand. These rates are the sum of three main components: riskless rate of return, risk premium, an..
18: Speculative Equity - What Is It and How to Get It?
People who purchase real estate use the phrase "building equity" to describe the overall increase in equity over time. However, most people think in terms of capturing speculative equity, the equity g..
19: Renting Versus Owning Residential Real Estate
Renting versus owning is both an intellectual, financial decision and an emotional decision. The financial decision is first and foremost an analysis of the comparative cost of renting versus owning. ..
20: The Home Mortgage Interest Deduction is Widely Overestimated and Misunderstood
Debt subsidies, in particular the home mortgage interest deduction, are seen as a great benefit to home ownership. The benefit is widely overestimated and misunderstood.First, people fail to understan..
21: Bring Back Paternalism in the Mortgage Market
I do not like government paternalism. When Ronald Reagan came to power and began our 25 year experiment with government deregulation, I thought it was a good idea. It used to really annoy me when I wo..
22: Subprime Containment Theory Was a Lie
Conventional wisdom (or market spin) was that the risk of default from subprime would not spill over into Alt-A and Prime loans. This argument was made because these two categories have historically h..
23: Real Estate Investment versus Real Estate Speculation - What is the Difference?
Owner-occupied residential real estate is viewed by many people as a good investment. Realtors often use this idea as part of their sales pitch. This view is fallacious and it is one of the beliefs re..
24: Higher Interest Rates and Residential Real Estate Markets - What Would Happen?
A key factor impacting the fundamental value of housing and thereby the bottom is interest rates. Higher interest rates would devastate residential real estate markets. When interest rates go up, the ..
25: Hyperinflation and the Housing Market
The Federal Reserve under Ben Bernanke began aggressively lowering interest rates at the end of 2007 in response to the severe economic downturn caused by the collapse of house prices and the related ..
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