Real Estate

This is the VOA Special English Economics Report, from http://voaspecialenglish.com

The American housing collapse was a major cause of the recession. The housing market is showing new life after three years of falling prices and too much supply. But now there are worries that banks could face big losses next on business properties.

For example, one effect of a weak economy is less demand for office space. As a result, property owners earn less and charge less in rent. This puts pressure especially on owners who borrowed a lot of money.

Easy credit helped fuel an explosion of development. The market hit a high point in two thousand seven.

Now, late payments are growing. Almost three percent of commercial mortgages were reported at least ninety days late between April and June. That was double a year earlier.

One major lender lost more than a billion and a half dollars in the second quarter. Capmark Financial Group said it might seek bankruptcy protection from its creditors. Medium and small banks also face a growing risk.

Banks hold one and a half of the three and a half trillion dollars in debt that supports the commercial real estate market. Housing debt is much higher. Still, around two trillion dollars in commercial mortgages are expected to come due for payment within the next five years.

Commercial properties face two serious problems. One is falling prices — down by one-fourth since two thousand seven. The other is refinancing.

Most commercial real estate loans have terms of ten years or less. They often end with a large payment, a balloon payment, which owners usually refinance. But lower property values and tighter lending requirements mean a harder time getting new loans.

One way to make capital available for new loans is to sell mortgage-backed securities. But since last year there has been little activity in the seven hundred fifty billion dollar market for commercial mortgage securities.

The Federal Reserve recently extended into next year a loan program designed to get investors to buy more securities like these.

The United States is not alone. Commercial rents in Moscow, Hong Kong, Singapore and Mumbai have fallen thirty percent or more.

American housing sales, though, have improved in recent months, helped by lower prices and a tax credit for first-time buyers.

The S&P/Case-Shiller national index of home prices rose in April, May and June. That was the first three-month increase in three years.

And that’s the VOA Special English Economics Report.

(Adapted from a radio program broadcast 11Sep2009)

Duration : 0:4:14

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It’s Always Sunny in Philadelphia S 5 E 1 The Gang Exploits the Mortgage Crisis [SHQ]
Dennis, Mac, and Frank go into real estate, while Dee sets out to be a surrogate for a wealthy couple. Charlie gets into it with an attorney over the law.
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http://sunnyphiladelphia.com/
Watch It’s Always Sunny in Philadelphial Season 5 Premiere 2009 The Gang Exploits the Mortgage Crisis online For Free
It’s Always Sunny in Philadelphia S 5 E 1 The Gang Exploits the Mortgage Crisis [SHQ]
Dennis, Mac, and Frank go into real estate, while Dee sets out to be a surrogate for a wealthy couple. Charlie gets into it with an attorney over the law.
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Neither The Luxury Brokers, LLC. nor the service providers for The Luxury Brokers, LLC. are liable for any errors or inaccuracies in the information provided through this website. © 2009 The Luxury Brokers, LLC.

Duration : 0:9:18

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http://sunnyphiladelphia.com/
Watch It’s Always Sunny in Philadelphial Season 5 Premiere 2009 The Gang Exploits the Mortgage Crisis online For Free
It’s Always Sunny in Philadelphia S 5 E 1 The Gang Exploits the Mortgage Crisis [SHQ]
Dennis, Mac, and Frank go into real estate, while Dee sets out to be a surrogate for a wealthy couple. Charlie gets into it with an attorney over the law.
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http://sunnyphiladelphia.com/
Watch It’s Always Sunny in Philadelphial Season 5 Premiere 2009 The Gang Exploits the Mortgage Crisis online For Free
It’s Always Sunny in Philadelphia S 5 E 1 The Gang Exploits the Mortgage Crisis [SHQ]
Dennis, Mac, and Frank go into real estate, while Dee sets out to be a surrogate for a wealthy couple. Charlie gets into it with an attorney over the law.
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Synopsis : The sun-loving girls of Southern California are back and on the prowl for steamy suburban drama, all against the dramatic backdrop of changing economic times in the wealthy enclave of Orange County, on the fifth season premiere of Bravo’s The Real Housewives of Orange County, Thursday, November 5 at 10 p.m. ET/PT. Tamra Barney, Lynne Curtin, Vicki Gunvalson and Gretchen Rossi welcome a beautiful new face to the group Alexis Bellino, a 32-year-old stay-at-home mom with a body that defies all logic that she is indeed a mother of three small children. But, changes are in store for the girls this season as they must say farewell to longtime housewife Jeana Keough.

In this fifth season of the original series behind the hit Real Housewives franchise, the gates have finally swung open and shocking truths are revealed. The series takes an important turn with shifting relationships and the tough economy hitting the ladies and their families hard. The ladies prove their tenacity as they continue to live life unabashedly large and on their own terms as Vicki takes her family on a trip to Italy, and the girls visit San Francisco and Ft. Lauderdale for lavish getaways. The ladies show no signs of slowing down, and shopping, dining, drinking, dancing, plastic surgery and working out continue to remain at the top of their list of priorities.

Luckily Vicki’s workaholic ways have paid off, with her life insurance empire thriving. Vicki’s two kids are working and doing well, taking away some of her self-afflicted pressure and allowing her time to focus more on her marriage to Donn. Tamra is coping with family and financial concerns, along with changes in one of her close friendships. Lynne is also facing financial issues and a possible eviction from her home, but for the first time in her life finds an independent voice, unfortunately perhaps a little too late to help her family. Meanwhile, Gretchen is in the aftermath of the devastating loss of her fiancé, Jeff, and does her best to move on both professionally and personally, with a surprising new love interest. But, Jeana Keough’s real estate business has been hit the hardest, and she makes the decision to turn her focus away from the ladies to concentrate more on her work and family.

Temperatures rise even more for the complicated circle when the Barneys become friendly with a new couple on the scene, the Bellinos. Tamra is excited to introduce the group to Alexis, a gorgeous honey blonde with legs for miles and miles. Alexis’s husband, Jim, is an assertive man who prides himself on being the head of his household. Alexis is the modern day version of a 1950’s housewife, taking on a very traditional role in her marriage. Even with three very small children and her extensive beauty regimen, Alexis still insists on always putting Jim and his needs first.

Duration : 0:9:59

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Duration : 0:0:47

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