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同意dgg的观点, 对于affordability,我补充一下。Affordability 主要是以房价和收入比来衡量。通常,收入以税前的工资为标准。这种算法实际上比较片面,特别是对爱城,因为很多家庭的被动收入(房地产,股票 ...
; o9 y; x: h( |, mThis is a good explanation to how real estate bubble forms. The market feeds itself to push the prices up, but eventually it will reach turning point, and the bubble bursts.- y" n) v8 {- a1 q
# L9 g% t; Z" F5 NThe risks to the current market:* T/ Q: U9 P7 X' d/ s2 q; m
1) Mortgage rates go up G5 m5 h1 H, O7 q3 U2) Oil price dropps5 T% z/ m9 e2 M1 |# t H0 e F+ d5 g
3) Less influx " B% S9 ^) o. e$ J0 p4) Speculators quit