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  • September 19, 2014
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  1. Property - International - CONCRETE ANALYSIS

    London’s less central areas will be next hot spots

    Posted Jul 21st 2014, 04:00pm by Selina McFall

    ... Selina McFall property.post@scmp.com Domestic buyers buoyed by mortgage schemes are driving demand outside prime central areas London's regeneration areas will be next property hot ... as the British economy continues its recovery. A few factors are driving domestic demand, including the rising availability of financing generated by the government's Help to Buy mortgage scheme. ...

  2. Property - Hong Kong & China - CONCRETE ANALYSIS

    Harsh realities of market stymie Leung Chun-ying's housing goals

    Posted Jul 02nd 2014, 04:49am by NICHOLAS BROOKE

    ... Long-term affordability remains as issue, with many buyers needing help from the Hong Kong Mortgage Corp. The real issue, though, is that the needed increase in supply is proving to be very ...

  3. Property - Hong Kong & China - CONCRETE ANALYSIS

    Potential home price correction would have broad impact on economy

    Posted May 13th 2014, 02:30pm by Gerard Burg

    ... a mortgage. This could limit the risk of rapid liquidation. Owing to their strong equity position, households and investors are less likely to be forced to sell. In contrast, the property development ... of the structure of mortgages and the comparatively high level of equity in homes, a severe fall would be necessary to trigger the large-scale liquidation of properties (the "bursting ...

  4. Property - Hong Kong & China - CONCRETE ANALYSIS

    China housing market to cool down but not collapse

    Posted Mar 25th 2014, 02:40pm by Andrew Ness

    ... in tier one cities will decelerate this year, as rising borrowing costs and tightened mortgage lending take a heavier toll on some areas. However, no precipitous drop is forecast, given ...

  5. Property - Hong Kong & China - CONCRETE ANALYSIS

    HKMA measures put Hong Kong in good stead to weather property plunge

    Posted Apr 17th 2013, 12:00am by Leland Sun

    ... in home prices from 1997 to 2003, when they dropped by nearly 70 per cent. In addition, nearly 50 per cent of homeowners with a first lien, and some with second mortgages, were plunged ... million homes in the US are still "upside down" (where the mortgage is larger than the home's value), and millions across the EU. Moreover, in the past five years, as home prices ...

  6. Property - Hong Kong & China - CONCRETE ANALYSIS

    Government needs better ways to rein in property prices

    Posted Apr 10th 2013, 12:00am by Leland Sun

    ... banks to lower their maximum mortgage advance ratios and run increased interest rate stress-test scenarios. Most recently, it doubled ad valorem stamp duty rates. Given Hong Kong's fixed ... In Hong Kong, with negative real interest rates and mortgage rates substantially below rental yields, it's no wonder that more people are buying- even at today's record prices. Here ...

  7. Property - Hong Kong & China - CONCRETE ANALYSIS

    Local investors need to do their homework on overseas property

    Posted Jun 26th 2013, 12:00am by JAMES HALL

    ... gearing". With a mortgage of around 80 per cent of the purchase price, a property will be neutrally geared (the rent received will be equivalent to all property holding costs, including interest on the mortgage). However, when purchasing new property there are large depreciation benefits available as well. These annual depreciation benefits will ensure that from a tax perspective the property ...

  8. Property - Hong Kong & China - CONCRETE ANALYSIS

    Housing affordability ratio alarming for Hong Kong, Guangzhou, Shanghai

    Posted Aug 22nd 2012, 12:00am by Thomas Lam

    ... that Shanghai home prices are the most affordable of the three cities. However, since banks now have a policy of not approving mortgage applications in cases where the required monthly repayment exceeds 50 per cent of monthly income, only the top income earners in the city could have successfully raised a mortgage over the last five years. In the case of Guangzhou and Hong Kong it emerges ...

  9. Property - Hong Kong & China - CONCRETE ANALYSIS

    'Rigid' demand for homes is more of a marketing myth than reality

    Posted Feb 20th 2013, 12:00am by STEPHEN CHUNG

    ... hard-earned money be better used to pay off a mortgage instead of rent- to accumulate wealth and not have to worry about finding accommodation in retirement? Of course, and I think buying a home ...

  10. Property - Hong Kong & China - CONCRETE ANALYSIS

    Should investors buy property, property stocks or both?

    Posted Mar 06th 2013, 12:00am by STEPHEN CHUNG

    ... takes financing into the equation, then bricks and mortar generally offers better terms, as mortgages are usually less expensive than, say, a personal loan. Given that the reits lean heavily ...




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