السلام عليكم ورحمة الله وبركاته
هنالك عدد من الإخوة من يقول أن الأزمة إنتهت! و لكن ماذا تقصد بأن الأزمة إنتهت؟ هل سيعود كل شيء كما كان في 2007 خلال فترة وجيزة. أم أنك تقصد بإنتهاء الأزمة أن الوضع لن يسوء و سيأخذ بالتحسن بشكل بطيء جدا؟
لو أخذنا القطاعات قطاعا قطاعا، كيف ترى الوضع؟ هل تضرر كثيرا بالأزمة؟ كم يحتاج من الوقت حتى يتعافى؟
قطاع البنوك
قطاع العقار
قطاع البترول و الطاقة
قطاع النقل و الطيران
قطاع التأمين
قطاع الإتصالات
شـكــ وبارك الله فيكم ـــرا
تو الناس الازمة عندنا لو ما دخلت الحكومة كان بنوك كثيرت اعلنت افلاسها
ولو ما ضمن صاحب السمو رئيس الدولة الودائع في البنوك كان انهارت البنوك
ولو ما توقفت شركة تمويل واملاك كان تعرضت شركات كثيرة للأنكشاف بسببهبوط قيمة الاستثمار العقاري
الازمة هيه السيولة ومدى انكشافها في الشركات
ادت هذه السيولة الى توسع في الاقراض مما ادى الى تعثر في السداد وتشدد من قبل البنوك والذي اثر في الشركات العقارية مما ادى الى ازمة كبيرة في تسريح الموظفين
ارباب
صحيفة: بنوك أوروبا تتكبد 400 مليار يورو خسائر ائتمان
بروكسل (رويترز) – أفادت صحيفة انترناشونال هيرالد تريبيون يوم السبت أن 22 بنكا كبيرا في أوروبا ربما تمنى بخسائر ائتمان تقترب من 400 مليار يورو (587 مليار دولار) هذا العام والعام القادم.
نقلت الصحيفة ذلك عن مسؤولين اطلعوا على نتائج اختبار تحمل أجرته لجنة مراقبي البنوك الاوروبية لصالح وزارات مالية الاتحاد الاوروبي في وقت سابق هذا العام.
ويناقش الوزراء نتائج الاختبار في اجتماع غير رسمي تستضيفه مدينة جوتنبرج السويدية يوم الخميس.
كانت ثلاثة مصادر بالاتحاد الاوروبي أبلغت رويترز يوم الجمعة أن الاختبار أظهر قدرة القطاع المصرفي بالاتحاد الاوروبي على تحمل مزيد من التدهور في الاوضاع الاقتصادية.
وأجرى اختبارات التحمل مراقبون وطنيون وفقا لمباديء توجيهية ومنهجية مشتركة أصدرتها لجنة مراقبي البنوك الاوروبية. وهي لا تظهر وضع كل مؤسسة على حدة بل درجة مرونة القطاع المصرفي بالاتحاد الاوروبي ككل.
A million dollars doesn’t buy you what it once did. In most U.S. neighborhoods, it now gets you a lot more.
During the housing boom, prices rose so high and so fast that even cookie-cutter homes in the paved suburbs of South Florida and California could cost a cool million. In Santa Clara, Calif., a high-tech hot spot, the median price hit $836,780 in 2007.
That was a long way from the days when a million-dollar home evoked images of marble columns and swimming pools with vanishing edges. Subprime loans allowed more people than ever to buy houses that were once above their means. Higher demand fueled ever-higher prices until the spigot of cheap money was turned off and the housing bubble burst. The recession forced many well-heeled buyers into unemployment lines. And sales of homes over $1 million cratered by more than 50 percent from the peak four years ago.
“Everyone has less money than they once had,” said Amy Wright, an agent with The Real Estate Office in Rancho Santa Fe, Calif. “That has certainly affected the nouveau riche, and that’s definitely in that $1 million price point.”
For people who do have the money, however, it’s the best time in years to buy luxury real estate.
Rancho Santa Fe is a luxury enclave in San Diego County that has over the years lured the likes of Howard Hughes and Bill Gates. Equestrian trails border golf courses, and the most expensive home on the market is listed for $29.9 million.
A couple of years ago, the idea of getting a house in Rancho Santa Fe for a paltry $1 million was laughable. Now, foreclosures and financially distressed homeowners account for about 15 percent of sales, and home prices are down 30 percent.
In one golf-course community in the town, a 2,200-square-foot home is listed for $800,000. Residents live in a gated community where Spanish style homes surround a 250-acre Rees Jones-designed golf course and an accompanying 35,000-square foot clubhouse.
In the 20 largest U.S. metro areas, about 2,800 homes sold for more than $1 million in July _ down by more than half from July 2005, according to MDA DataQuick. Nationwide, overall home sales were down about 27 percent, according to the National Association of Realtors.
In the month of August, sellers with homes priced above $2 million were cutting prices by an average of 14 percent, compared with the national average of 10 percent, according to Trulia.com.
The good news for luxury homebuyers is that they’re getting about 20 percent “more house” than they did two years ago, and the prestige of owning a $1 million home is returning, said John Brian Losh, CEO of luxuryrealestate.com.
That is, if they can afford the payments.
On Friday, the average interest rate for a 30-year “jumbo loan” (defined as a mortgage over $729,750) was 6.18 percent _ about a point higher than a conventional fixed-rate mortgage, according to Bankrate.com. That means the mortgage payment for a $1 million home (with a down payment of 20 percent) would run about $4,900 a month, not including property taxes.
A buyer would have to earn at least $200,000 a year to make the payment plus taxes _ and only about 4 percent of Americans fall into that tax bracket, 2007 Census data shows.
In Fort Myers, Fla., Pat and Dennis Tyeryar are trying to sell their four-bedroom, 3,795-square-foot house on three acres for $999,700. The property is a rare slice of lush Old Florida, with moss cascading off shade trees and views of a river and lagoon.
The property, valued at $1.4 million four years ago, is unique for the area because it sits on a peninsula: Every room in the house has a water view.
So far, no offers.
In a recession-battered place like Saginaw, Mich., however, a person can scoop up almost 18 houses for $1 million. Or, a buyer can get a 6,360-square-foot, two-story brick palace that sits on a five-acre estate.
The house is priced at $995,000. It has an indoor swimming pool and six bedrooms, but the property has been a hard sell in a market where a 2,300-square-foot home can go for $160,000, real estate agent Bruce Shaw said.
Shaw said the home would have been listed for about $1.3 million during the boom.
“It’s not like I get a lot of calls on it, not unless someone is moving from Southern California,” he said.
In Toledo, Ohio, agent Nancy Kabat has two listings that add up to $1 million _ a six-bedroom, $635,000 house in suburban Ottawa Hills, and a three-story, two-bedroom condo on the Maumee River for $360,000.
The house has detailed crown molding and a renovated kitchen with granite countertops. It’s also near good schools. The condo has a view of Toledo’s landmark Anthony Wayne Bridge and is a short ride to an area with upscale restaurants and a vibrant nightlife.
“You could have a house in the suburbs for the winter and have a condo on the river in the summer and use your boat,” Kabat said.
If that approach doesn’t work, a buyer can pursue a three-bedroom, Mediterranean-style home in Toledo for $969,177, according to realtor.com. The 4,800-square-foot property was built in 2007 and has a three-car garage and upscale kitchen appliances like a stainless steel refrigerator and a dual-temperature wine cooler.
“We don’t have that many million dollar houses here, so it seems that they’re holding their value,” said Betty Lazzaro, an agent with Sulfur Springs Realty Inc.
علينا اولا ان نعرف معنى الأزمة المالية ؟!