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The media seem to pick up this "credit crunch", the sentence a way of summarizing the fall in many housing markets. In my opinion, "the problem of evaluation" would be more acurately describes the situation. I do not pretend to be a genius, but I think it's simple. In the long term (decades) house prices on average compared with the average household income, when it comes out of service, simply return to the norm. Easy credit May be the cause, but "the lack of credit "Is not the problem., Investors are reasonable estimates for loans, otherwise, well, learn quickly not to be an idiot. In all cases, you agree 'housing advice "should prevail over the news headlines on the housing market, no" credit crunch "? Answers thoughtful appreciated.

Great article in yesterday's online edition of Fortune. [see link below] article on the rental price and average historical income to price. not go as far as consumer incomes, and have seen research that suggests that long-term price of housing [and rents] are a function of consumer income and the government has created a shortage of [think SFO and New York]. Obvious modifications come to mind — jump in the risk of hurricane (expenses) in coastal east due to multi-year cycle on hurricanes, etc. [forest fires in Southern California? Perhaps] [global warming? NO]. If a radical change in taxes in one area, might affect the price too. [I assumes that the State has abolished a tax on income and told the local areas of the estate tax in place, but had to obtain voter approval - Would be the net tax increases in some types of housing.]

*** However, to respond directly to your point – I think [former banker] both assessments and quality of credit went out of control there. in part, is a positive feedback loop [that engineers would know inherently unstable] – loans for poor quality leads to more shopping demand makes prices higher education's ability to increase their loans even poorer quality (because now both the ability to pay and the valuation of assets are questionable).

A partial solution would impose controls on the basis of evaluation of the curve fit long term and tax limitations and obstacles to long term in equation value. then if / when prices exceed the long-term securities, mortgages would be limited to defining the values and buyers to offset the additional cash prizes – to cool demand quickly enough. I suspect that the two high-risk loans and Alt-A are almost history. If you have financial issues you might want to check out: http://www.fastnocreditcheckloans.co.uk/

Do not think there will be some or many buyers of these mortgages, or securities from them, and therefore there will be many fewer loans made. [If a mortgage broker can not sell it to undertake by itself for the life of the loan - which is not the business is entering, if it does it in less than a quality truly proven ability first payment order.] *** and if – it is much more pain to come in the financial sector. and housing. and mortgage insurance. and structured finance. and housing prices. alert and response

Don’t Panic – UK Weekend Headlines