美国是否会出现房产危机？9月见分晓
当新冠疫情威胁到美国人偿还抵押贷款的能力时，美国政府出手推出了援助计划，允许人们延期支付，最长可以延期18个月。不过，对一些人来说，这个宽限期将在两个月后结束。我们尚不清楚其影响会有多大？
不过有一件事情是肯定的：在即将到来的9月，那些延期付款的人要么继续支付，要么出售房屋，否则会丧失抵押品赎回权。
抵押数据公司Black Knight称，截至6月29日，205万名私房屋主，约占房屋抵押数量的3.9%，依然列于新冠疫情相关抵押宽限计划当中。这个数字较上个月下降了6.6%，这是自新冠疫情危机开始以来的首次下降。
与此同时，截至6月23日，全美有4.73%的抵押贷款已经逾期至少30天。近170万笔抵押贷款已经逾期90天，但还未丧失抵押品赎回权，较2月的215万笔有所下降。
目前，各大银行对于收回抵押品赎回权并不怎么热衷。在过去一周中，各大银行审核了14.6万个宽限计划，以决定是否延期或取消。其中，有4.4万名私房屋主脱离了宽限计划，另外10.2万名则获得了延期。
如果借款方的借贷得到了政府的支持，则借款方无需向出借方一次性支付已经拖欠的抵押贷款。尽管一些机构会选择延长宽限期，但如果借款方有工作，其他一些机构可能会协商降低利率或延长抵押贷款的年限，以降低每月还款额。
然而，丧失抵押品赎回权对一些人来说是实实在在的威胁。对这些人来说，好消息在于，美国房地产市场目前异常火热。房价在一年的大半年中一直在增长，这意味着那些拖欠抵押贷款并面临丧失抵押品赎回权的人可能会利用房产净值的增加来消除这一债务。（财富中文网）
译者：冯丰
审校：夏林
当新冠疫情威胁到美国人偿还抵押贷款的能力时，美国政府出手推出了援助计划，允许人们延期支付，最长可以延期18个月。不过，对一些人来说，这个宽限期将在两个月后结束。我们尚不清楚其影响会有多大？
不过有一件事情是肯定的：在即将到来的9月，那些延期付款的人要么继续支付，要么出售房屋，否则会丧失抵押品赎回权。
抵押数据公司Black Knight称，截至6月29日，205万名私房屋主，约占房屋抵押数量的3.9%，依然列于新冠疫情相关抵押宽限计划当中。这个数字较上个月下降了6.6%，这是自新冠疫情危机开始以来的首次下降。
与此同时，截至6月23日，全美有4.73%的抵押贷款已经逾期至少30天。近170万笔抵押贷款已经逾期90天，但还未丧失抵押品赎回权，较2月的215万笔有所下降。
目前，各大银行对于收回抵押品赎回权并不怎么热衷。在过去一周中，各大银行审核了14.6万个宽限计划，以决定是否延期或取消。其中，有4.4万名私房屋主脱离了宽限计划，另外10.2万名则获得了延期。
如果借款方的借贷得到了政府的支持，则借款方无需向出借方一次性支付已经拖欠的抵押贷款。尽管一些机构会选择延长宽限期，但如果借款方有工作，其他一些机构可能会协商降低利率或延长抵押贷款的年限，以降低每月还款额。
然而，丧失抵押品赎回权对一些人来说是实实在在的威胁。对这些人来说，好消息在于，美国房地产市场目前异常火热。房价在一年的大半年中一直在增长，这意味着那些拖欠抵押贷款并面临丧失抵押品赎回权的人可能会利用房产净值的增加来消除这一债务。（财富中文网）
译者：冯丰
审校：夏林
When the pandemic threatened Americans' abilities to pay their mortgages, the government stepped in with a bailout program, allowing people to delay payments for (ultimately) 18 months. That grace period, for some, will end in two months, though. And it’s unclear how big the impact will be.
One thing’s certain: Come September, people who have been putting off payments will either have to resume them, sell their homes, or face foreclosure.
As of June 29, 2.05 million homeowners—some 3.9% of mortgaged properties—remained in COVID-19-related mortgage forbearance plans, according to mortgage data company Black Knight. That’s a 6.6% decline from the previous month—the first downtick since the COVID-19 crisis began.
Meanwhile, as of June 23, 4.73% of the nation’s mortgages were at least 30 days past due. Nearly 1.7 million were 90 days delinquent, though not in foreclosure. That’s down from 2.15 million in February.
Banks, at present, don’t seem eager to foreclose. Roughly 146,000 forbearance plans were reviewed for extension or removal over the past week. Of those, 44,000 homeowners left forbearance, and the other 102,000 were extended.
Borrowers won’t have to make a lump payment to reimburse lenders for missed mortgage payments if their loan is government backed. And while some institutions could extend the terms of forbearance, others might negotiate lower interest rates or extend the length of the mortgage to lower monthly payments, if the borrower has a job.
Foreclosure is a real threat for some, however. The good news for those people is the red-hot state of the U.S. housing market. Housing prices have been increasing for the better part of a year, meaning people who are behind on mortgage payments and facing foreclosure could erase that debt with the added equity in their homes.
