原帖由 WST 于 2007-6-15 21:45 发表 7 Q) s* E: u E! [8 m- _" r
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同意dgg的观点, 对于affordability,我补充一下。Affordability 主要是以房价和收入比来衡量。通常,收入以税前的工资为标准。这种算法实际上比较片面,特别是对爱城,因为很多家庭的被动收入(房地产,股票 ...
9 x; Z/ i9 {* E7 B+ I" oThis is a good explanation to how real estate bubble forms. The market feeds itself to push the prices up, but eventually it will reach turning point, and the bubble bursts.6 P- N+ ]# {# T6 k& J. ?; I7 J
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The risks to the current market:) t. F/ |2 F" g8 Q
1) Mortgage rates go up9 z6 E- u6 r4 R3 @: s
2) Oil price dropps1 c9 q7 S/ D* f; ~) }
3) Less influx 6 \- r6 r1 W# G- t5 t4) Speculators quit