jahe Pahurik, Sa pole viimaste (aastate) arengute kursis: enam ainult intresse ei saa, nüüd on laenusumma vist 75% või 80% kinnisvara hinnast (erandid lubatud), ei mäleta täpselt.
Ja kas palgad on Rootsis viimase 15 aastaga 3x kasvanud (kinnisvara hind küll)? Kui sellele küsimusele vastad, mõistad, et iva on mujal.
seleta ära mida sa pankade kasvamise all mötled? Ma siiani arvasin, et loeb ikka väljastatud kinnisvaralaenude maht. Ma ei rääkinud kusagil, et kinnisvara saab ilma sissemakseta, vaid et pöhiosa ei maksta tagasi ja laenu vöetakse ala 50+a peale, mis muudab niigi kuumakse väiksemaks. Aga möttetu vaidlus, sama hea jutt on vörrelda majade hindasi Valgas ja Tallinnas ja rääkida, et Valgas on hinnaruumi veel sitaks.
jahe Unustasin ennist lisamata, et juba aasta-paar ei väljastata enam laene, kus saab ainult intresse tagasi maksta, tuleb ka laenusummat tagasi maksta.
sa ei ole siiani vastanud mu küsimusele, aga see selleks. Ma ei tea, kas ma ei oska arvutada, aga kui ma maksan aastas tagasi 1% laenu summast, siis ma saan aru, kulub 100 aastat laenu maksmiseks. Kas meil saab nii laenu? Ja see süsteem hakkab kehtima alles suvest. Vaid 40% laenuvõtjatest, kelle laen on väiksem kui 75% vara väärtusest, maksab tagasi laenu põhiosa. http://majandus24.postimees.ee/3118495/rootsi-karmistab-eluasemelaenu-tingimusi ja ainult uutele väljastatavatele laenudele, siin juttu samast: http://omalaen.ee/blogi/uued-reeglid-kinnisvaralaenudele-rootsis/
jahe Mina tuginen otsesele jutuajamisele panga Stockholmi filiaali juhatajaga, kõnelus toimus poolteist aastat tagasi Stockis.
Ma ei saa tõesti Su küsimusest aru, sõnasta ümber!
ma rääkisin ka ühe jorsiga poe taga, lubas räiget hinnatöusu Kuressaare kinnisvaras ja et laenu saab pea 0 intressiga 200 aastaks, seega nii ongi. Aga veelkord, jutt, et Rootsis on kinnisvara hinnad sellised ei tähenda, et meil on töusuruumi palju nagu Tallinna hinnad ei näita, et Valgas peaks hinnad lakke lendama jne. Meil ei anta 100a laene jne nagu eespool sai kirjutatud. "Erko toodud Rootsi maja keskmise hinna graafik tõestab veenvalt seda, miks väidetav Eesti kinnisvara kallidus on totaalne jama. Eestis läheb kinnisvara veel kallimaks, ruumi on küllaga."
Parandage mind, aga mu loogika põhineb: kui USA kinnisvara oleks viimased 60 aastat kallinenud 3-4% mõistagi kumulatiivselt üle inflatsiooni siis mis protsent elanikest seda suudab liisida? Meelde tuleb alustuseks Bill Gates, seega ei toimu olulist kallinemist üle infla. Aga vahest ei saa ma arutelu sisule pihta.
hoks, vaidluse sisu on selles, et üritasin väita, et selle põhjal, et Rootsi maksupoliitika muutumise ja laenupoliitika eripära töttu on seal kinnisvarahinnad buuminud, ei tähenda, et meil oleks hinnatöusuks sitaks ruumi. Kui palgad töusevad ja inflatsioon tekib, eks siis kindlasti on ruumi, aga suhtes palgaga saab see suur töus tulla just ainult laenutingimuste arvelt.
Richmond Fedi president Jeffrey Lacker jääb kindlaks varasemale seisukohale, et USA majanduse nõrkus on ajutine ja intressimäära tõstmine juunis peaks aset leidma
LACKER SAYS STRONGER LABOR MARKET WILL DRIVE WAGES HIGHER LACKER EXPECTS STRONGER DOLLAR TO BE DRAG ON EXPORTS THIS YEAR LACKER SAYS SURGE IN DOLLAR HAS DAMPENED CORE INFLATION LACKER SAYS INFLATION EXPECTATIONS ARE STABLE LACKER STILL CONFIDENT INFLATION WILL RISE TO FED'S 2% GOAL LACKER SEES WEATHER IMPACT IN RECENT UNEXPECTEDLY WEAK DATA LACKER: SHOULD LOOK THROUGH SHORT-TERM FLUCTUATIONS IN DATA LACKER SEES STRONG CASE FOR FED RAISING RATES AT JUNE FOMC
Gapping up In reaction to strong earnings/guidance: QTM +17.4%, SYNC +3.8%, BXMT +3.7%, RT +2.8%, DQ +1.5%, .
M&A news: EXL +14.9% (enters into agreement to be acquired by Blackstone (BX) for $15.85 per share in an all-cash transaction valued at ~$2 billion), BXMT +3.7% (announces acquisition of $4.6 billion loan portfolio from GE Capital (GE)), BX +1.9%, WFC +0.7% (WFCand Blackstone (BX) to buy GE (GE) Capital's real estate assets for $23 bln)
Other news: VLTC +9.3% (cont momentum higher), ACUR +8.4% (announced intent to initiate development of an abuse deterrent Hydrocodone with acetaminophen tablets), GE +7.3% (sells GE Capital Real Estate assets to Blackstone, (BX, BXMT) and Wells Fargo (WFC) for ~$26.5 bln; reaffirms Industrial earnings gudiance; announces new $50 bln buyback), KOOL +5.3% (announces an update on its clinical trials of critical limb ischemia and acute myocardial infarction), EURN +4.8% (still checking), CNIT +4.8% (announced that the Company signed a strategic agreement with the Luoyang municipal government to install 300 units), HZNP +3.5% (announces it has received FDA Fast Track Designation for ACTIMMUNE to treat Friedreich's Ataxia), IBIO +2.9% (cont strength), CMG +2.7% (still checking), JRJC +2.3% (likely benefitting from increased interest in Chinese/HK equities), SSLT +2.1% (reports Q4 production results), SNE +2.1% (hearing of a couple of target increases in Japan), PZG +1.9% (provided spin-off transaction update: SEC has declared effective the Registration Statement on Form S-1 filed by co's subsidiary Paramount Gold Nevada), SUNE +1.9% (favorable commentary on Thursday's Mad Money), AAL +0.9% (releases March traffic data)
Analyst comments: GIMO +3.2% (upgraded to Outperform from Market Perform at William Blair), NFLX +2.6% (upgraded to Buy from Neutral at Citigroup), M +2% (upgraded to Buy from Neutral at Buckingham Research), BMS +1.3% (upgraded to Buy from Neutral at BofA/Merrill), UNP +1.2% (upgraded to Buy from Hold at Stifel), GM +1.1% (added to Focus List at Citirgroup), VRTX +1.1% (initiated with a Buy at Canaccord Genuity)
Gapping down In reaction to disappointing earnings/guidance: EXTR -19.8%, MDCO -7.3%, ANGO -5.8%, CTXS -5.7%, TSRI -4.5%, DHRM -3.9%, FIS -3.6%, PSMT -2.8%, GPS -2%
Select China related names showing weakness (likely related to profit taking after recent run up) : YZC -3.8%, CHU -3.6%, PTR -2.5%, SNP -2.3%, CHL -2%, SHI -1.7%, LFC -1.6%
Other news: GALE -7.9% (disclosed it received a Warning Letter from the FDA relating to certain matters identified in previous Form 483 Notice), CMP -4.4% (reports that above average Q1 snow events in the company's core North American service area offset mild weather in December), AZN -3.2% (Briefing documents released ahead of Endocrinologic and Metabolic Drugs Advisory Committee meeting on AZN and Takeda (TKPYY)), AMRN -3.1% (filed for ~35.215 mln share ordinary share offering and for a ~352.15 mln Series A preference share offering by selling shareholders), QURE -2.9% (prices 3,000,000 ordinary shares at $29.50 per ordinary share), GBDC -2.6% (announced public offering of 3.5 mln shares of its common stock), RDC -1.5% (disclosed that the Rowan Reliance drillship experienced a loss of seal in the riser connection system)
Analyst comments: RESI -1% (downgraded to Mkt Perform from Outperform at Keefe Bruyette), LPX -1% (downgraded to Neutral from Buy at BofA/Merrill), SEE -0.9% (initiated with a Market Perform at BMO Capital), WLL -0.7% (downgraded to Hold from Buy at Canaccord Genuity)
