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Cita de: senslev en Mayo 10, 2024, 13:27:20 pmhttps://x.com/GonBernardos/status/1785714043644260499CitarA los que estáis pensando en comprar una vivienda, os recomiendo que os deis prisa. Vuelve un gran boom inmobiliario, con un sustancial aumento de transacciones y precios. ¿La clave? Una guerra hipotecaria que provocará un importante descenso de los tipos de interés hipotecas.WTF, ¿pero se ha ido alguna vez el boom inmobiliario?De todas formas, independientemente de eso, parece que a la inflación de activos le queda, el esperemos, último y definitivo hurra. Puta pesadilla, en vez de el día de la marmota, son los años o lustros de la marmota.Pues sinceramente, no se como se va a financiar esto. Quiero decir, los paganinis de las hipoetcas, osea nosotros, de donde vamos a sacar el dinero para pagarlo? Asignando másrenta del salario? Yo creo que ya estamos en unos precios que sólo extranjeros adinerados pueden pagar, yo no lo veo. Seguramente me equivoque, porque llevo 20 años pensando que no se puede pagar más, y estirar más el chicle... y cada vez hemos ido a más.
https://x.com/GonBernardos/status/1785714043644260499CitarA los que estáis pensando en comprar una vivienda, os recomiendo que os deis prisa. Vuelve un gran boom inmobiliario, con un sustancial aumento de transacciones y precios. ¿La clave? Una guerra hipotecaria que provocará un importante descenso de los tipos de interés hipotecas.WTF, ¿pero se ha ido alguna vez el boom inmobiliario?De todas formas, independientemente de eso, parece que a la inflación de activos le queda, el esperemos, último y definitivo hurra. Puta pesadilla, en vez de el día de la marmota, son los años o lustros de la marmota.
A los que estáis pensando en comprar una vivienda, os recomiendo que os deis prisa. Vuelve un gran boom inmobiliario, con un sustancial aumento de transacciones y precios. ¿La clave? Una guerra hipotecaria que provocará un importante descenso de los tipos de interés hipotecas.
[El impresentable Bernardos cree ser un cara blanca, pero es un augusto. Es un augusto de humor fecal.][Hay tongo en la absorción del Banco Sabadell-Caja de Ahorros del Mediterráneo por el BBVA.][El Sr. Cuerpo es un 'flinstone'. Es el verdadero pablo de pedro.https://www.youtube.com/watch?v=zua831utwMMhttps://www.youtube.com/watch?v=EMrv9aXOCnAhttps://www.youtube.com/watch?v=qIjKPi9TqTE]
‘Housing has hit rock bottom’: Top real estate CEO says high home prices are shutting people out of the marketRedfin's chief executive, Glenn Kelman, in 2018.DAVID RYDER—BLOOMBERG/GETTY IMAGESHousing is complicated, but one thing is clear: It’s hard to buy a home right now. Let me paint a picture for you. Home prices skyrocketed during the pandemic-fueled housing boom; more people were working from home and could do so from anywhere. Plus, mortgage rates were historically low, so people bought houses. But then inflation rose and the Federal Reserve raised interest rates in an attempt to tame it. Mortgage rates followed, but unlike in typical housing cycles, home prices didn’t fall. So what do we have? High home prices, high mortgage rates, and depressed home sales. And it’s even harder to buy a home if you’ve never owned one before, meaning mostly younger generations are being hit the hardest. “The issue is that the correction hasn’t been a correction; prices are up 5%,” Redfin’s chief executive, Glenn Kelman, told CNBC yesterday. “And that’s because interest rates rose so fast this time, and there hasn’t been a recession.”He continued, “so the soft landing has been good for America overall, good obviously for the economy, but it’s been bad for the housing market because it’s kept rates high. And so that’s why there isn’t more inventory reaching the market, and that’s why homes haven’t become more affordable. Normally in a market like 2008, you see prices come down 30% to 50% and suddenly buyers are back in the game. But this time, prices are still really high, and especially first-time homebuyers are shut out. Millennials have been waiting a long time to buy a house and they just can’t get a break.”But baby boomers who’ve watched their home values soar, and anyone who bought before or during the pandemic, are generally doing alright (aside from maybe feeling stuck because they don’t want to lose their low mortgage rate). “Housing has hit rock bottom,” Kelman said. “Four million people are going to move this year; that is the lowest number that we’ve seen in many, many years, and it’s just because interest rates have been so persistently high.” But it could be better than last year, when existing home sales fell to their lowest point in almost 30 years. Kelman thinks some people are less likely to put off their home buying plans this year, “just because they’re going crazy living with their ex-wife, or they have a third baby and there’s no space in the house. But still, the overall economic conditions for buying a house are rough.”In a separate interview with CNBC on Wednesday, Realtor.com’s chief economist, Danielle Hale, said there are 36% fewer homes for sale now than before the pandemic—and with high home prices and high mortgage rates, buyers need to earn more than $100,000 in 34 out of the 50 largest metropolitan areas to buy a typical home.And here’s the thing, there is a bit of a bifurcation. Places such as Florida and Texas, as Kelman pointed out, are seeing home prices ease because they’re building homes—and he expects that to continue in red states where it’s typically easier to develop anything. In California and New York, there simply aren’t enough homes for sale to see prices fall meaningfully, if at all. So that’s why in cities in California, where you need to make much more than $100,000 to afford a home, younger generations are renting. “It’s why we see homeownership rates in these large markets trail behind the typical U.S. housing market,” Hale said. “So it is challenging.”Despite some improvement in for-sale inventory compared to last year, she said it is still “a pretty dire situation for young people.”Daily mortgage rates have fallen after a recent run up over the last few weeks. The current average 30-year fixed mortgage rate is 7.18%. Where mortgage rates are headed really depends on economic conditions, particularly inflation, which is proving to be stickier than expected. And inflation has been so stubborn, for one, because of housing; it’s a large component of the consumer price index. We’ve seen the housing component soften a bit, but not enough to bring rates down, Kelman explained.And he isn’t keen on predicting where mortgage rates will end the year. “I’m just trying not to count my chickens before they hatch. We’ve had our hearts broken before where we thought we might get lower rates later in the year; Redfin isn’t betting on that right now,” Kelman said.For Hale’s part, she said: “I do think we’re going to see inflation eventually relent and mortgage rates come down.” And we’ll have to wait until May 15 to see where inflation lands, and even longer for how the Fed will react.
¿Creen ustedes que en nuestros "partidos de gobierno" hay gente que sea capaz de reconocer la realidad y de buscar una vía que tenga un mínimo futuro? ¿Lo creen?
Fed Flags Rising Delinquencies in Commercial Real Estate LoansBanks are preparing for further losses as delinquencies in loans tied to office space continue to rise, according to the Federal Reserve.The Fed said Friday that the rate of late payments on some commercial real estate loans had surged to above its pre-pandemic level. Officials at the central bank are focused on “improving the speed, force and agility of supervision, as appropriate,” the Fed said in a semiannual report.(...)
Nonbank Mortgage Companies Pose Financial Stability Risks, Yellen SaysYellen previews FSOC’s first report on nonbank mortgage threatReport scheduled to be released Friday after FSOC meetingNonbank mortgage companies, which increasingly dominate the sector, pose unique risks and vulnerabilities that can weaken financial stability, Treasury Secretary Janet Yellen said Friday.Yellen previewed the Financial Stability Oversight Council’s first report assessing the threats introduced by nonbank mortgage firms, which have escaped the strong regulation reserved for traditional banks despite displacing them in the market. In 2022, nonbanks originated about two-thirds of mortgages and serviced most of them.The sector’s specialized business model makes the firms vulnerable to changes in housing prices, interest rates and delinquency rates, Yellen, the FSOC’s chair, said in a statement. Nonbanks rely more than traditional lenders on the value of mortgage servicing rights, and they can have high leverage, short-term funding and operational risks, she said.“Put simply, the vulnerabilities of nonbank mortgage companies can amplify shocks in the mortgage market and undermine financial stability, and the council has now laid this out in detail for the first time,” Yellen said.The report is set to be released after the FSOC’s afternoon meeting.Yellen outlined the report’s recommendations. One is that Congress establish an industry-financed fund to provide liquidity to failing nonbank mortgage servicers, allowing their operations to continue until servicing obligations can be transferred in an orderly fashion.She said the report will also suggest that Congress consider providing the Federal Housing Finance Agency and Ginnie Mae with more authority to help manage the nonbanks’ counterparty risk — and for Ginnie Mae to expand a program so it can become a more effective liquidity backstop.Footprints ExpandBiden-era regulators have long argued that oversight hasn’t keep up with nonbanks as their footprints across finance have expanded and their ties to traditional lenders have become more complex.Nonbank lenders flooded the home-loan space in the wake of the Great Financial Crisis as the country’s biggest banks largely retreated, especially in lower down-payment loans. Last year, nonbanks including United Wholesale Mortgage LLC and Rocket Cos. dominated the top 10 mortgage lenders by originations, based on data from Inside Mortgage Finance.
US home prices have soared 47% so far this decade, outpacing all of the growth seen in the 1990s and 2010sUS home prices have soared 47% so far this decade.The price surge has outpaced the gains seen in the 1990s and 2010s, and is nearly ahead of the 2000s.The rising value of homes has coincided with a millennial-fueled demand surge and years of low mortgage rates.US home prices have soared 47.1% so far this decade, according to a ResiClub analysis of the Case-Shiller National Home Price Index.The massive price gains seen in the first four years of the 2020s have eclipsed all of the growth seen in the 1990s and 2010s, according to the analysis. Housing prices in those two decades grew 30.1% and 44.7%, respectively.On top of that, housing price growth in the 2020s is on the verge of eclipsing all of the growth seen in the 2000s, which was 47.3% after peaking at just over 80% before the 2007 housing market crash.This decade's strong home-price gains have been driven by an initial buyers' frenzy at the outset of the COVID-19 pandemic. That led to a rapid 12-month price appreciation of about 20%.Since then, price growth has decelerated considerably, though an ongoing surge in demand from millennial home buyers has steadily pushed home prices higher. Even with mortgage rates at around 7% — more than double their COVID-era lows — US home prices are still on the rise, signaling just how much demand there is and how little supply is available.The median US home sale price hit $420,800 in the first quarter of the year, well above the $327,100 price at the start of the decade. The median home price sold in the US was $219,000 at the start of the 2010s, $165,300 at the start of the 2000s, and just $124,800 at the start of the 1990s, according to data from the St. Louis Fed.Housing price growth in the first 50 months of this decade has notched a faster pace than the same timeframe in all of the last three decades, according to ResiClub co-founder Lance Lambert.
Fed’s Goolsbee Says Not Much Evidence of Inflation Stalling OutChicago Fed chief says policy is ‘relatively restrictive’Fed’s Kashkari says can hold rates steady as long as neededFederal Reserve Bank of Chicago President Austan Goolsbee said he doesn’t think inflation is stuck above the central bank’s target despite recent data showing price pressures picked up at the start of the year.“There isn’t at this time much evidence, in my view, that inflation is stalling out at 3%,” Goolsbee said at an event Friday at the Economic Club of Minnesota.(...)
0 12/04/24 10,771 19/04/24 10,422 26/04/24 11,903 03/05/24 16,474 10/05/24 17,46
La libertad guiando al pueblo de Delacroix es restaurada y vuelve a exponerse en el LouvreBerta Erill Soto · 2024.05.08La Libertad guiando al pueblo, obra del artista Eugène Delacroix, en todo su esplendor tras la reciente restauración.Museo del LouvreSi tuviéramos que elegir un sólo cuadro para representar el espíritu revolucionario francés, probablemente este sería La Libertad guiando al pueblo, del artista del Romanticismo Eugène Delacroix (1798-1863). Pintado en óleo sobre lienzo en el año 1830, esta obra conmemora la Revolución de julio, tres días seguidos de revueltas que habían tenido lugar ese mismo año en la ciudad de París, donde el pueblo francés mostró su inconformidad ante el reinado de los Borbones. Con gran lujo de detalle y realismo, Delacroix ilustra una apasionante escena que plasma el carácter de su nación. La Libertad, centrada en el cuadro y especialmente iluminada, guía a los habitantes parisinos de distintas clases sociales, desde burgueses hasta campesinos, hacia la victoria. La personificación de la libertad en una mujer semidesnuda no es casual: por una parte, los revolucionarios asociaban la patria francesa en tiempos de la república con la figura de una joven simbólica a la que llamaron Marianne. Por otra, su torso femenino desnudo le otorga una relación con lo divino, tal y como ocurre en las representaciones de las victorias aladas o las venus helénicas. Esta maravilla de la historia del arte se expone en el Museo del Louvre de París, donde ha permanecido desde 1848 ya sea en alguna de sus salas o en la reserva. Actualmente es una de las pinturas más famosas del museo junto con La Gioconda de Leonardo Da Vinci, también conocida como la Mona Lisa. La icónica obra de Delacroix vuelve a exponerse en el Museo del Louvre tras su restauración.Abdullah Firas / ABACA / Shutterstock EditorialUNA RESTAURACIÓN CON SORPRESASComo ocurre con todos los legados materiales de nuestra historia, la iconicidad de una obra no la libra de las consecuencias del paso del tiempo. Por este motivo, La Libertad guiando al pueblo ha tenido que pasar recientemente por un proceso de restauración llevado a cabo por dos expertas del propio museo, Bénédicte Trémolières y Laurence Mugniot. Los trabajos empezaron el pasado mes de octubre de 2023 y han tenido una duración total de 6 meses, gracias a los cuales la obra ha podido volver a exponerse en la sala Mollien del Louvre el 2 de mayo de 2024. Así, este cuadro de gran impacto histórico podrá seguir formando parte de la cultura del país. Durante el proceso, las restauradoras han reducido distintas capas de barniz que en la actualidad recubrían el cuadro de óxido y suciedad, modificando su coloración original y eliminando algunos de sus elementos característicos, como las texturas, las transparencias, la tridimensionalidad o los juegos entre luces y sombras. La Libertad guiando al pueblo antes de su última restauración, donde se puede apreciar la pantalla de color amarillento que recubre el lienzo.Museo del LouvreEsta ha sido justamente una de las sorpresas descubiertas tras los trabajos, la asombrosamente bien escogida paleta de colores y la variedad de técnicas usadas por Delacroix en su creación que data de la primera mitad del siglo XIX, que las expertas han definido como "un estilo austero pero rico en matices". Los blancos, grises y negros, acompañados de sutiles tonalidades concretas de rojo y azul, son los colores predominantes en el cuadro, a contrario de lo que podía parecer antes de la restauración debido a la capa amarillenta que lo revestía y oscurecía sus contrastes. Esta nueva claridad también ha revelado una serie de detalles que hacía tiempo que habían quedado invisibles, como la posición del niño que corre delante de la Libertad y no junto a ella, las distintas fachadas de los edificios que conforman el fondo de la escena, los disparos que provienen de las ventanas o los tonos que dan dimensión y movimiento a la figura de la Libertad.No obstante, devolver el óleo sus colores no ha sido tarea fácil: las capas de barniz aplicadas en restauraciones anteriores se han tenido que diluir con mucho cuidado y paciencia para no dañar ninguna capa de su estructura original. EL CUADRO MÁS FAMOSOPor toda la relevancia a nivel cultural que La Libertad guiando al pueblo ha ido adquiriendo a lo largo de su historia, esta obra se considera la más famosa y reconocida del pintor Eugène Delacroix. Su lienzo tiene un gran tamaño, de 260 centímetros de ancho por 325 de alto, y se dice que el artista tardó tan solo 4 meses en pintarlo de inicio a fin, un marco temporal sorprendentemente corto teniendo en cuenta las dimensiones del cuadro y la complejidad de la obra, culminada de forma magistral.