正文
Foreclosure繼續增加
More foreclosure gloom
Friday July 25, 8:02 am ET
CNNMoney.com
By Les Christie, CNNMoney.com staff writer
今年第二季度共有22萬棟房屋被銀行收走，幾乎是去年同期的三倍
As foreclosures continue to soar, 220,000 homes were lost to bank repossessions in the second quarter, according to a housing market report Friday issued by RealtyTrac.
That\'s nearly triple the number from the same period in 2007.
過去三個月申請foreclosure的數量共有近74萬，比今年第一季度增加了14%，比去年同期增加了121%，這就意味著，每171個美國家庭裏就有一個家庭申請foreclosure
A total of 739,714 foreclosure filings were recorded during that three-month period, up 14% from the first quarter, and 121% from the same period in 2007. That means that one of every 171 U.S. households received a filing, which include notices of default, auction sale notices and bank repossessions.
全國大部分地區都有一定程度的foreclosure增加。50個中就有48個州、100個最大城市地域中就有95個感受到了foreclosure比去年同期的增加。
Most areas of the country are seeing at least some increase in foreclosure activity, said James Saccadic, CEO of RealtyTrac, an online marketer of foreclosed homes. Forty-eight of 50 states and 95 out of the nation\'s 100 largest metro areas experienced year-over-year increases in foreclosure activity.
Foreclosure增加太快，以致於不得不對先前的預測進行修正。
Because foreclosure filings are growing so quickly, RealtyTrac will have to reevaluate its foreclosure forecast for the year, according to spokesman Rick Sharga.
原先預測今年共有一百九十萬到兩百萬棟房屋被forecloe，但上半年就達到了一百四十萬。
We\'ve been saying foreclosures will total 1.9 million to 2 million this year, he said. But midway through the year, we\'re already at 1.4 million so we\'re going to be raising our projections.
壞消息不斷，銀行收回的房屋數和總foreclosure量成正比，上個季度占30%，同比增長24%
And there is more bad news: Bank repossessions are up as a proportion of total filings, representing 30% of the notices issued during the quarter, up from 24% a year ago.
不奇怪。暗淡的就業市場越來越差，經濟也不好
I don\'t think that\'s a surprise if you look at the general conditions out there, said Brian Bethune, chief financial economist for Global Insight. There have been six straight moves of weaker employment this year. The ongoing problems in the housing market are compounded by a generally weaker economy. Foreclosures won\'t go down until we start to see employment move up again.
Sun Belt front and center
加州中穀地區的foreclosure仍然排第一，位於灣區三藩市東麵的Stockton擁有全國
最高的foreclosure率，每25家就有一家申請foreclosure，是全國平均水平的七倍
California\'s Central Valley remains ground zero for foreclosure filings. Stockton, which is just east of San Francisco, had the highest rate of foreclosure filings of any metro area, one for every 25 homes. That\'s seven times the national average.
加州洛杉磯東麵的Riverside/San Bernardino在foreclosure率上排名第二，
內華達州的Las Vegas排名第三，加州的Bakersfield排名第四，加州的Sacramento
排名第五
Riverside/San Bernardino, which is east of Los Angeles, had the second highest rate in the nation with one filing for every 32 households. Las Vegas, Bakersfield and Sacramento rounded out the top five.
Detroit continued to suffer more than any other non-Sun Belt area, with one filing for every 66 households. And several Ohio cities were also hard hit, led by Toledo (one in 92 households), Akron (one in 93) and Cleveland (one in 108).
On the other hand, there were a handful of metro areas that remained relatively unscathed. Honolulu, at one filing for every 1,331 households had the lowest rate of all, followed by Allentown, Pa. (one for every 972) and Syracuse, N.Y. (one for every 880).
就州範圍來說，內華達的foreclosure率全國最高，加州的foreclosure總數則最多
At the state level, Nevada had the highest rate with one filing for every 43 households, while California had the highest total number of filings - 202,599.
The report came as more negative news for the housing market this week. On Thursday, a report form the National Association of Realtors revealed that existing home sales had declined again as the number of homes for sale continued to rise. On Tuesday, a government agency reported home prices registered another drop in May.
All this is happening as Congress struggles to pass a housing rescue bill that will make FHA-insured loans available to many at-risk borrowers. The measure, which is expected to be enacted, would take effect until Oct. 1.
One of the sponsors of the bill, Rep. Barney Frank, D-Mass., said in a statement Thursday that he encourages lenders and mortgage servicers to delay taking action against delinquent borrowers before the new law takes effect.
I am urging the mortgage servicers to hold off on foreclosures in applicable cases, he said, so borrowers can take advantage of the program.
More foreclosure gloom
Friday July 25, 8:02 am ET
CNNMoney.com
By Les Christie, CNNMoney.com staff writer
今年第二季度共有22萬棟房屋被銀行收走，幾乎是去年同期的三倍
As foreclosures continue to soar, 220,000 homes were lost to bank repossessions in the second quarter, according to a housing market report Friday issued by RealtyTrac.
That\'s nearly triple the number from the same period in 2007.
過去三個月申請foreclosure的數量共有近74萬，比今年第一季度增加了14%，比去年同期增加了121%，這就意味著，每171個美國家庭裏就有一個家庭申請foreclosure
A total of 739,714 foreclosure filings were recorded during that three-month period, up 14% from the first quarter, and 121% from the same period in 2007. That means that one of every 171 U.S. households received a filing, which include notices of default, auction sale notices and bank repossessions.
全國大部分地區都有一定程度的foreclosure增加。50個中就有48個州、100個最大城市地域中就有95個感受到了foreclosure比去年同期的增加。
Most areas of the country are seeing at least some increase in foreclosure activity, said James Saccadic, CEO of RealtyTrac, an online marketer of foreclosed homes. Forty-eight of 50 states and 95 out of the nation\'s 100 largest metro areas experienced year-over-year increases in foreclosure activity.
Foreclosure增加太快，以致於不得不對先前的預測進行修正。
Because foreclosure filings are growing so quickly, RealtyTrac will have to reevaluate its foreclosure forecast for the year, according to spokesman Rick Sharga.
原先預測今年共有一百九十萬到兩百萬棟房屋被forecloe，但上半年就達到了一百四十萬。
We\'ve been saying foreclosures will total 1.9 million to 2 million this year, he said. But midway through the year, we\'re already at 1.4 million so we\'re going to be raising our projections.
壞消息不斷，銀行收回的房屋數和總foreclosure量成正比，上個季度占30%，同比增長24%
And there is more bad news: Bank repossessions are up as a proportion of total filings, representing 30% of the notices issued during the quarter, up from 24% a year ago.
不奇怪。暗淡的就業市場越來越差，經濟也不好
I don\'t think that\'s a surprise if you look at the general conditions out there, said Brian Bethune, chief financial economist for Global Insight. There have been six straight moves of weaker employment this year. The ongoing problems in the housing market are compounded by a generally weaker economy. Foreclosures won\'t go down until we start to see employment move up again.
Sun Belt front and center
加州中穀地區的foreclosure仍然排第一，位於灣區三藩市東麵的Stockton擁有全國
最高的foreclosure率，每25家就有一家申請foreclosure，是全國平均水平的七倍
California\'s Central Valley remains ground zero for foreclosure filings. Stockton, which is just east of San Francisco, had the highest rate of foreclosure filings of any metro area, one for every 25 homes. That\'s seven times the national average.
加州洛杉磯東麵的Riverside/San Bernardino在foreclosure率上排名第二，
內華達州的Las Vegas排名第三，加州的Bakersfield排名第四，加州的Sacramento
排名第五
Riverside/San Bernardino, which is east of Los Angeles, had the second highest rate in the nation with one filing for every 32 households. Las Vegas, Bakersfield and Sacramento rounded out the top five.
Detroit continued to suffer more than any other non-Sun Belt area, with one filing for every 66 households. And several Ohio cities were also hard hit, led by Toledo (one in 92 households), Akron (one in 93) and Cleveland (one in 108).
On the other hand, there were a handful of metro areas that remained relatively unscathed. Honolulu, at one filing for every 1,331 households had the lowest rate of all, followed by Allentown, Pa. (one for every 972) and Syracuse, N.Y. (one for every 880).
就州範圍來說，內華達的foreclosure率全國最高，加州的foreclosure總數則最多
At the state level, Nevada had the highest rate with one filing for every 43 households, while California had the highest total number of filings - 202,599.
The report came as more negative news for the housing market this week. On Thursday, a report form the National Association of Realtors revealed that existing home sales had declined again as the number of homes for sale continued to rise. On Tuesday, a government agency reported home prices registered another drop in May.
All this is happening as Congress struggles to pass a housing rescue bill that will make FHA-insured loans available to many at-risk borrowers. The measure, which is expected to be enacted, would take effect until Oct. 1.
One of the sponsors of the bill, Rep. Barney Frank, D-Mass., said in a statement Thursday that he encourages lenders and mortgage servicers to delay taking action against delinquent borrowers before the new law takes effect.
I am urging the mortgage servicers to hold off on foreclosures in applicable cases, he said, so borrowers can take advantage of the program.
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