Benfiquista na especulação imobiliária
O preço das casas no Reino Unido não tem parado de subir como o balãozinho, sobe, sobe balãozinho. Depois logo cai porque lá em cima não fica. Já têm ardido ao levantar vôo, e lá se foi o balão da festa: que pena, ardeu!
Assim vai acontecer à habitação no Reino Unido, logo arde tudo!
Junta-se mais uma voz a alertar para o perigo da bolha dos perços da habitação rebentar, a da Grande chefa do Fundo Monetário Internacional, a financeira-mor, Christina Lagarde.
Já há algum tempo que se teme uma crise grave na habitação, sobre-avaliada devido a uma procura em alta porque não se tem construído suficientemente, e devido também aos capitais voadores que têm pousado aí no Reino Unido para se coloacarem ao abrigo de terramotos políticos nos países de origem.
Depois quem se lixa também são os desgraçados mais pobres que apenas pedem um telhado em cima da cabeça. Andam a trabalhar só para pagar a renda aluguel da casa!
Há mesmo qualquer coisa de bem errado aí nesse Reino, a chuparem toda a gota de sangue aos mais pobres para pagarem as rendas, e depois demonizar aqueles que pedem subsídio à habitação, para não morrerem à fome num dos países mais ricos do mundo!
Como podem os preços rebentar:
Crise no emprego e depois não conseguem pagara as hipotecas
Subida dos juros, do capital inicial e cancelamento do plano de apoio à compra de habitação
Capitais voadores a pousar noutras bandas por razões diversas
Descida dos salários
Receio da aventura de alto risco hipoteca
Mais construção de habitações, mas isso não parece que aconteça
Descida das rendas, Como?
Outros fatores que nem nos passa pela tola, sobretudo os abutres especuladores quando se atacam a um pais para o devorarem.
Cuidado com as aves de rapina a esvoacar "over Bank" (isto para os aficionados).
Como podem os preços rebentar:
Crise no emprego e depois não conseguem pagara as hipotecas
Subida dos juros, do capital inicial e cancelamento do plano de apoio à compra de habitação
Capitais voadores a pousar noutras bandas por razões diversas
Descida dos salários
Receio da aventura de alto risco hipoteca
Mais construção de habitações, mas isso não parece que aconteça
Descida das rendas, Como?
Outros fatores que nem nos passa pela tola, sobretudo os abutres especuladores quando se atacam a um pais para o devorarem.
Cuidado com as aves de rapina a esvoacar "over Bank" (isto para os aficionados).
You have been warned!
6 June 2014 Last updated at 11:24
The IMF has said financial regulators should consider imposing lending limits on banks if the housing market shows signs of overheatng
The IMF has warned the Bank of England against raising interest rates too soon
IMF warns Osborne over housing bubble risk
The IMF has said financial regulators should consider imposing lending limits on banks if the housing market shows signs of overheatng
The International Monetary Fund (IMF) has warned George Osborne that accelerating house prices and low productivity pose the greatest threat to the UK's economic recovery.
It said rising property values could leave households more vulnerable to income and interest rate shocks.
It also advised the Bank of England against raising interest rates too early.
In April, the IMF said the UK economy would grow by 2.9% in 2014.
The chancellor said the IMF was "right to warn the government that risks still remain" to the UK's economic recovery.
IMF managing director Christine Lagarde said that while the UK's economic recovery began with consumer spending, it was now rebalancing towards an "investment-led recovery".
Ms Lagarde called on financial regulators to consider imposing limits on the number of low-deposit mortgages a bank or building society can advance to borrowers, highlighting fears that some people may be at risk of overstretching their finances.
The IMF said: "Macroprudential policies should be the first line of defence against financial risks from the housing market."
It added that raising mortgage lenders' capital requirements "would build additional buffers against increased exposures to the housing sector".
Help to Buy
The Bank of England's Financial Policy Committee (FPC) is due to meet later in June and could announce measures to control mortgage lending.
In May, 25% taxpayer-backed Lloyds Banking Group said it would limit its mortgage lending to four times a borrower's income on loans above £500,000.
On Tuesday, Royal Bank of Scotland - which remains 80% taxpayer-owned - said it would also restrict the amount it advanced to mortgage borrowers.
The IMF has warned the Bank of England against raising interest rates too soon
The IMF added the government should consider modifying or even pulling the plug on its flagship mortgage guarantee scheme - known as Help to Buy 2 - if house prices showed signs of overheating.
Recent figures from the Treasury showed 7,000 homes were bought through the Help to Buy scheme between its launch in October and March.
That amounted to just over £1bn of mortgages since the scheme's launch, involving just £153m of government guarantees.
Howard Archer, chief UK and European economist at IHS Global Insight, has previously warned the risk of a house price bubble developing across the UK is "very real".
Earlier the chancellor told BBC Radio 4's Today programme: "We need to be alert to the build-up of debt in the housing market, we need to be alert when we see house prices rising."
"We have created - this government, me as chancellor - the mechanism to deal with that,
"We have given the Bank of England the tools to do the job and they should not hesitate to use those tools if they see these developments turning into a risk for the British economy."
Interest rates
While the IMF praised the Bank of England's policy of forward guidance, it warned that if economic growth expanded more than current forecasts suggest, interest rates might have to rise more quickly in order to control inflation.
Bank governor Mark Carney has previously stated that he envisages interest rates rising from their historic low of 0.5% incrementally and not before the middle of 2015.
The IMF also echoed the Bank of England's own concerns about productivity levels, saying that despite evidence of the UK economic recovery strengthening, productivity growth remained low.
John Stewart from the Home Builders Federation said the scheme meant more houses were being built
It added "Accelerating productivity growth would spur investment and output, while allowing real wage increases without triggering inflation. If productivity continues to be flat, however, growth will eventually stall."
Productivity reflects the amount and value of the goods and services produced by an employee of a company. But productivity depends partly on business investment.
In February, the Bank of England said there was still a significant amount of "slack" in the economy, meaning that it was not growing to its full potential because of underinvestment.
It estimated the amount of slack in the economy was equivalent to about 1% to 1.5% of gross domestic product (GDP).
Earlier, the Office of National Statistics showed the UK's trade deficit with the rest of the world - the different between the value of the goods and services the country exports and imports - widened in April to £2.5bn.
The UK's goods deficit widened in April to £9.6bn from £8.3bn in March and £8.5bn a year earlier, denting the chancellor's hopes of boosting exports in an effort to rebalance the economy.
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