In the U.S., financial institutions have withdrawn more than a million homes through mortgage debt, a new negative record of the Americans. However, analysts do not consider the situation dangerous, believing that as long as the debtor in the main part with excess housing. However, if the trend will increase, this would indicate a growing level of unemployment and a new spiral of the crisis in the world. Americans who can not repay loans, are forced to part with housing. According to RealtyTrac, over the past month in 2010 to collect a debt was seized about 7 thousand apartments, and the 2010 general 1.05 million homes. The numbers are impressive. This is a record since the start of "inflating" the housing "bubble" in 2006. 1.05 million homes - is 0.8% of U.S. households! In 2011, the expected further growth in these notices. In autumn 2010, regulators in the U.S. have attended a large number of seizures and passed a resolution suspending the process. Restrictions related to the use of robotics in decisions about withdrawal of bank buildings and verify the legality of drafting. "However, just kind of soften the suspension process. Banks, checking documents, finding that the process must still occur, and withdrawal of homes can go on. The fact is that unemployment in the United States remains a great financial and violators of mortgages is still a lot" - says on this occasion senior analyst "Zerich Capital Management" Oleg Dushin. Global seizures of homes, of course, very large, as an analyst bank "Soyuz" Vadim Gorbunov. In comparison with 2006 it increased by almost 4 times. "As the situation develops further depends among other things, the actions of the Fed - it is primarily the weakness of labor and housing markets forced the agency to resort to a second round of quantitative easing, and the restoration of these markets is a key objective of Ben Bernanke," - says Vadim Gorbunov. However, experts believe that the number of homes seized does not indicate that about one million Americans left in the street, so to speak about the aggravation of the situation early. "If we rely on the data of the Ministry of Housing and Urban Development United States (US Department of Housing and Urban Development), the end of 2008 there was no increase homelessness, although this time the process of removal of houses was already in full swing. These data are of course outdated, but we can assume that Americans are basically all the same resort or to help friends and relatives, or renting housing. It is possible, no doubt, argue that the excess amount of housing purchased by unprecedented low mortgage rates and mild requirements on borrowers, ie, the market housing bubble was formed, and now the market returns to some norm, "- says Vadim Gorbunov. "There is no doubt that part of the housing bought by speculators, and they may go under because of the crisis in housing. However, the complexity of the situation is that now is withdrawn and housing for people who have lost their ability to pay the mortgage because of job loss. The unemployment rate is kept at a high level - about 10%, this is a typical crisis of capitalist reproduction suffers when class salaried employees "- adds Oleg Dushin. Restoration of the housing market is characterized primarily by growth in housing prices, and while many mortgage payers debt exceeds the current market value of their property. In the U.S., the expected recovery in property prices in the 5-10 years prior to 2014-2019 years. (From 2009,). However, in depressed areas like Florida and California recovery may take 15 years until 2024. Nevertheless, the main danger comes not from the housing market, but from the labor market. "So far, social instability and unrest, in our opinion, we should not expect - the United States remains the leading economy with a very high standard of living. And how stable the situation will remain in the future will be determined by market conditions rather work, because it is high unemployment remains a major cause of low consumer confidence (and including the weakness of the housing market), "- says Vadim Gorbunov. "America is a country of market values. Therefore, for the removal of housing unemployed blames himself, his employer, and so deceived investors and shareholders are not here. Join the Communist Party to fight the capitalist system, people do not want to. Trade unions protect jobs and the level of paycheck. Unemployed paid benefits. Therefore, there is no organized protests extreme occasions. People change housing conditions for cheaper ... " - Adds Oleg Dushin. The housing market acts as an indicator by which to judge the situation as a whole, so if the unpleasant trend continues, it may indicate proximity to a new round of crisis. "The situation in the housing market will not be corrected only if the U.S. unemployment rate will continue to grow and it goes beyond 10% will go to 15. 15% is already fraught with social upheaval in the U.S." - sums up Oleg Dushin.
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