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威尔伯•罗斯认为按揭的不确定性

(2010-10-08 10:48:09)
分类: 社会文摘
亿万富翁威尔伯•罗斯周四表示,该进程的报告和文件处理不当,美国抵押贷款止赎随后停止在驱逐由最高贷款将放慢贷款。

Ross, who manages $10 billion and is an active investor in the banking sector, said that mortgages likely will be more difficult to obtain as lenders -- worried about their ability to act on loan defaults -- pull back from writing new mortgages.罗斯,谁管理100亿美元,是在银行部门的积极投资者,他说,抵押贷款可能会更加困难,从而获得贷款机构 - 拉回来写入新的抵押贷款 - 对他们的行动能力,贷款违约担心。

"I think it's more of a clogging of the system and introducing another note of uncertainty," Ross said at the Reuters Restructuring Summit in New York. “我认为这是一个系统的堵塞和引进更多的不确定性的另一个说明,”罗斯说,在路透重组峰会在纽约举行。

"I have some real concern that all of these things that are being thrown up against lenders are going to make it harder to get mortgages in the future," he said. “我有一些真正的担心,这些被抛出了对贷款人的东西都将使它更难在未来抵押贷款,”他说。

"Why would you make a loan if you weren't even sure that, if the guy defaulted, you could at least foreclose?" “为什么你贷款,如果你甚至不知道,如果违约的家伙,你至少可以取消抵押品赎回权?”

The US Justice Department on Wednesday said that it was probing reports of improper evictions based on shoddy foreclosure orders.美国司法部周三表示,它正在调查的基础上伪劣订单取消抵押品赎回权不当驱逐的报告。

In a court case in Maine, for instance, one GMAC official testified that he had signed some 10,000 foreclosure documents a month, so-called "robo-signing.在缅因州的法庭案件中,例如,一GMAC的官员作证说,他已经签署了一些文件,每月10,000取消抵押品赎回权,所谓的“机器人签名。

So far at least three banks have halted eviction proceedings and various lawmakers have called for an industrywide moratorium on home repossessions until the problems are fixed.到目前为止,至少有三家银行已经暂停驱逐程序和各种立法者对家中有一个叫暂停,直到回收汽车全行业的问题是固定的。

The moves come as the US housing market continues to struggle with overcapacity and mortgage rates remain at record lows amid the economic downturn.这些举措来为美国住房市场继续斗争,产能过剩和抵押贷款利率仍处于历史低点,由于经济衰退。

SHADOW FORECLOSURE OVERHANG影子赎悬

Ross said that the "robo-signing" of foreclosure documents is "obviously a very inappropriate activity."罗斯说,“机器人签名”取消抵押品赎回权的文件是“显然是一个非常不适当的活动。” But he said that despite those problems, the properties likely still deserve to be seized when homeowners are in default.但他表示,尽管这些问题的性质可能仍然值得被没收时,房主拖欠的。

"If the borrower can't pay, eventually it will get foreclosed anyway," he said. “如果借款人无法支付,最终是会得到抵债无论如何,”他说。

In the meantime, the delays are creating an overhang of shadow foreclosures, he said.在此期间,有关的延误造成的阴影悬取消抵押品赎回权,他说。

That could have negative repercussions for the companies that specialize in mortgages, such as mortgage servicers and in particular for lenders, Ross said.这可能都是这两家公司,在诸如抵押贷款服务商和贷款人特别是在抵押贷款,专门负面影响,罗斯说。

"Since we believe we are still in somewhat of a declining market for single family home prices, the longer you delay things, the more severe the losses are going to be," Ross said. “由于我们相信我们是在一个单家独户房屋价格有所下降,市场仍,拖延的时间越长的东西,更严重的损失将是,”罗斯说。

它也可以抬高其他费用,他说。

"To the degree that there is more litigation about the foreclosure, it not only takes more time but now you are running up legal bills," Ross said. “在某种程度上,有更多关于取消抵押品赎回权的诉讼,它不仅需要更多的时间,但现在你运行了法律草案,”罗斯说。

Ross has been actively investing in small, regional banks.罗斯一直积极投资于小型,地区性银行。 He was among the buyers of collapsed Florida lender BankUnited last year and this summer bought a stake in New Jersey's Sun Bancorp Inc ( SNBC.O ).他是在去年的购房贷款人的BankUnited倒塌佛罗里达州今年夏天买了)的股份在新泽西州的太阳万通金控公司(SNBC.O。

He told the Reuters summit that he continues to look for new banking assets both in the United States and overseas in Ireland, the UK and Germany.他告诉路透峰会,他将继续寻找新的银行资产均在美国和海外的爱尔兰,英国和德国。

威尔伯•罗斯认为按揭的不确定性



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