Category Archives: Consumer Sentiment

Economic Research: Low Interest Rates Are Underpinning Europe’s House Price Recovery

Very low interest rates are strongly supporting a recovery or stabilization of house prices in European markets, even in countries where credit conditions are still tight and household debt is high. In the U.K., in particular, an ultra-accommodative monetary policy has underpinned a sturdy revival following the 2008-2009 correction, with house prices likely to rise […]

Housing Continues To Be A Key Indicator Of Economic Cycles

Housing trends continue to inform economic and credit analyses in the U.S. and around the globe. Economists and analysts continually assess the prospects for imbalances in property markets in Canada, China, Brazil, France, and other emerging markets. At the same time, Spain and Ireland continue to feel the weight of housing busts following pre-crisis booms. […]

S&P’s Affordable Housing Hot Topics Event

Please join us on Tuesday, June 10, for Standard & Poor’s Ratings Services’ Affordable Housing Hot Topics Event in New York. Senior credit analysts from S&P Ratings’ Housing Enterprises and Structured Securities group along with our financial services, corporate and RMBS ratings teams will discuss mortgage finance and housing industry trends. Register Today. Our cross-sector […]

After Several Years Of Steady Decline, U.S. Household Leverage Is Showing Signs Of Increasing Again

The great leveraging of America began in the mid-1980s with the wider use of credit cards and the introduction of home equity lines of credit. By 2000, household debt had grown to more than 90% of disposable personal income, and by the end of 2007, it had peaked at 135%. During the financial crisis and […]

Employment and Housing Boost Prospects For U.S. Mortgage Insurers

U.S. Homebuilders Look Forward To A Favorable 2014

Bubble Trouble?

With the continued price gains seen in the S&P/Case-Shiller Home Price Indices, questions about a new housing bubble are bubbling up.  The Sunday New York Times editorial page  asks about housing and laments that the weak recovery and student loan debt are preventing potential home buyers in their 20′s and 30′s from helping the housing […]

Richmond, Calif.’s Eminent Domain Proposal Could Have A Far-Reaching Impact On The U.S. RMBS Market

When Standard & Poor’s Ratings Services commented on the credit impact of eminent domain proposals to seize mortgages pledged to residential mortgage-backed securities (RMBS) last year, we considered the likelihood of implementation remote. However, recent developments suggest that the possibility of such eminent domain proceedings has increased, although only in a few jurisdictions. Because of […]

Economic Update: U.S. Housing Hiccups

Economic Update: The Economy Remains Unfazed By Fiscal Shocks, So Far

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