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  • Reasons why there could be a house price crash - HousePriceWiki
    there could be a house price crash Reasons why there could be a house price crash I know it s all doom and gloom but what goes up must come down old chap Record levels of household debt Rising unemployment Recent house price inflation out of sync with wage inflation Consumer confidence Global interest rates trend on the way up after historically low interest rate levels UK recession Retrieved from

    Original URL path: http://www.housepricecrash.co.uk/wiki/Reasons_why_there_could_be_a_house_price_crash (2016-02-09)
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  • Reasons why people believe there will not be a house price crash - HousePriceWiki
    new households as a result of divorce and people choosing to live alone Lack of housing supply in areas of key economic activity e g the South East Planning restrictions in desirable areas e g Green Belt Proliferation of low quality new build flats makes period properties even more sought after Managable levels of household consumer debt New paradigm of high house prices as property becomes a tax advantageous investment

    Original URL path: http://www.housepricecrash.co.uk/wiki/Reasons_why_people_believe_there_will_not_be_a_house_price_crash (2016-02-09)
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  • Reasons why the housing market has not yet crashed - HousePriceWiki
    not enough to cause a crash The average debt burden is massive but at the moment it is manageable By manageable I mean that everyone is not going bankrupt The huge levels of debt are currently sustainable if interest rates stay low and unemployment stays low All the time these two factors are low then you won t see a house price crash So that s your short answer but as always it s not as easy as that We are on the brink of a house price crash but the question on everyone s lips is when this will be when the debt burden tips people over the edge the market gets spooked and everyone runs for the hills A share price crash can happen in minutes but a house price crash can take many months In fact it will have happened 6 months before it hits the headlines A recent post in the forum summed this up very neatly in a metaphor Equity markets can turn on a sixpence it takes 2 minutes to sell a million shares The housing market is like a supertanker It can take five miles to change direction But once it s changed

    Original URL path: http://www.housepricecrash.co.uk/wiki/Reasons_why_the_housing_market_has_not_yet_crashed (2016-02-09)
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  • Money illusion - HousePriceWiki
    between interest rates and inflation rates that matters ie the real interest rates To put it in plain english 10 interest rates with 10 payrise each year means that a mortgage is cheap 5 interest with 3 payrises means mortgage is expensive Other definitions from Google Refers to the time lag between receiving increased money incomes and the realization that prices have all gone up leaving consumers and firms no

    Original URL path: http://www.housepricecrash.co.uk/wiki/Money_illusion (2016-02-09)
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  • Boiled frog syndrome - HousePriceWiki
    changes Special pages Printable version Permanent link Boiled frog syndrome Boiled Frog Syndrome Everyone is now referring to the Bank of England s interest rate policy as boiled frog syndrome Basically the Bank of England are raising interest rates very slowly and cautiously and this is the water in the saucepan on a very low heat We Joe public are the frog Apparently if you throw a frog into a saucepan of boiling water it will jump straight out well wouldn t you but if you put it in a saucepan of cold water on a very low heat then the frog will not realise that the water is slowly warming up and will boil to death Getting back to the interest rate side of things with these small rate rises every 3 months or so people are shrugging off the minimal extra payments and absorbing them into their monthly bills If however the Bank of England were to do a couple of big interest rate jumps or say 0 50 0 75 or even a whopping 1 00 then people would really sit up and take notice and the frog would leap out of the saucepan Retrieved from http

    Original URL path: http://www.housepricecrash.co.uk/wiki/Boiled_frog_syndrome (2016-02-09)
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  • Dead cat bounce - HousePriceWiki
    rather unpleasant term used to describe a small short term recovery in a falling market s price A temporary recovery from a prolonged decline or bear market after which the market continues to fall Why Well they say a falling cat always lands on its feet But if a cat fell from the top of a very tall building it would still die whether it lands on its feet or

    Original URL path: http://www.housepricecrash.co.uk/wiki/Dead_cat_bounce (2016-02-09)
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  • Evidence for a house price crash - HousePriceWiki
    reasons a Interest rates have already increased and will increase further although possibly only slightly b From October this year mortgage lending will come under FSA supervision which has implications for lender s liability among others With this new regulatory burden and the fact that house prices are stagnating lenders will tighten their lending criteria The current loose self cert practices will come to an end Credit supply will reduce dampening demand further EDIT tbe FSA supervision came into effect in October 2004 presumably the year of this article and as of 2007 prices have not abated in response Once prices start to sag FTBs will not flood back into the market as is widely predicted by the bulls This did not happen during the last crash and there is no reason why it should happen now Once prices stagnate sag the urgency to get onto the property ladder is removed Buyers can delay their purchase and continue looking for their ideal house rather than buy in haste Once prices start to fall more significantly FTBs will be reluctant to buy for fear of further price falls and negative equity Supply Side BTLs with larger portfolios or who have bought earlier in the cycle and have large paper gains will start liquidating some or all of their portfolio once sentiment points to no further rises or falls They will want to realise the massive paper gains they have achieved I believe this process has already begun with lots of anectdotal evidence of no chain properties on the market The amateur late comer BTLs will not sell initially They will hold out for longer hoping for a swift recovery in the market As prices slide further those who operate on negative cash flow will ultimately be forced to sell as they

    Original URL path: http://www.housepricecrash.co.uk/wiki/Evidence_for_a_house_price_crash (2016-02-09)
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  • How safe are building society savings in the event of a House Price Crash - HousePriceWiki
    an established building society would collapse or become insolvent as a result of a severe correction in the housing market House prices fall when demand slackens This could be caused by a number of factors including higher interest rates which might mean some people are unable to afford their mortgage repayments If this were the case there could be a higher than normal number of repossessions For the majority of homeowners a fall in house prices is not relevant unless they are in the process of selling or buying In theory if there were an enormous number of repossessions with vast parts of the community becoming homeless a lender might possibly not have enough liquid assets to meet demand assuming all depositors tried to withdraw their funds at the same time But there are a number of factors which are likely to prevent this from happening First there are lending restrictions imposed upon financial institutions by the Financial Services Authority which help to ensure that they do not place themselves in a situation whereby they cannot meet demand from their depositors The risks are carefully assessed and the rules applied stringently Further details of these can be found on the FSA website at http www fsa gov uk The possibility of this type of major financial risk to the economy is carefully monitored by a range of institutions including the Bank of England Further details of our financial stability role can be found at http www bankofengland co uk financialstability Finally there are procedures in place whereby the Bank can act as lender of last resort to an institution if the failure of that individual institution would have repercussions or cause the collapse of other institutions Please see http www bankofengland co uk corepurposes for more detail As you can

    Original URL path: http://www.housepricecrash.co.uk/wiki/How_safe_are_building_society_savings_in_the_event_of_a_House_Price_Crash (2016-02-09)
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