Jennifer Kohnke

El impacto global de la crisis de la vivienda de los Estados Unidos

CAMBRIDGE- El estallido de la burbuja inmobiliaria en los Estados Unidos en el verano de 2006 desencadenó la crisis y la recesión financieras globales. La abrupta caída de los precios de la vivienda que le sucedió causó un descenso espectacular en el patrimonio de las unidades familiares, lo que condujo a un menor gasto en el consumo y a una disminución global del PIB. En estos momentos, el patrimonio en la forma de viviendas propias ha disminuido aproximadamente en un 30%, lo que equivale a pérdidas de más de 6 billones de dólares en la riqueza de las unidades familiares.

La caída de los precios de la vivienda también condujo a un drástico aumento de los impagos y embargos hipotecarios, lo que ha provocado el crecimiento de la oferta de viviendas en el mercado y una mayor caída de los precios en ese sector. Como resultado, un tercio del total de los propietarios estadounidenses de viviendas ya tienen deudas hipotecarias que superan el valor de su vivienda. En una sexta parte de estos hogares la deuda es 20% mayor que el precio de la casa.

Adicionalmente, la alta relación crédito-valor en los Estados Unidos interactúa con los problemas financieros de las unidades familiares de forma que aumenta el número de impagos y embargos hipotecarios. Más específicamente, la creciente tasa de desempleo, junto con el gran número de empleados con trabajos de tiempo parcial involuntario, ha hecho crecer el número de personas que no cuentan con los medios para afrontar sus pagos hipotecarios mensuales.

To continue reading, please log in or enter your email address.

Registration is quick and easy and requires only your email address. If you already have an account with us, please log in. Or subscribe now for unlimited access.

required

Log in

http://prosyn.org/isO0sAe/es;
  1. Sean Gallup/Getty Images

    Angela Merkel’s Endgame?

    The collapse of coalition negotiations has left German Chancellor Angela Merkel facing a stark choice between forming a minority government or calling for a new election. But would a minority government necessarily be as bad as Germans have traditionally thought?

  2. Trump Trade speech Bill Pugliano/Getty Images .

    Preparing for the Trump Trade Wars

    In the first 11 months of his presidency, Donald Trump has failed to back up his words – or tweets – with action on a variety of fronts. But the rest of the world's governments, and particularly those in Asia and Europe, would be mistaken to assume that he won't follow through on his promised "America First" trade agenda.

  3. A GrabBike rider uses his mobile phone Bay Ismoyo/Getty Images

    The Platform Economy

    While developed countries in Europe, North America, and Asia are rapidly aging, emerging economies are predominantly youthful. Nigerian, Indonesian, and Vietnamese young people will shape global work trends at an increasingly rapid pace, bringing to bear their experience in dynamic informal markets on a tech-enabled gig economy.

  4. Trump Mario Tama/Getty Images

    Profiles in Discouragement

    One day, the United States will turn the page on Donald Trump. But, as Americans prepare to observe their Thanksgiving holiday, they should reflect that their country's culture and global standing will never recover fully from the wounds that his presidency is inflicting on them.

  5. Mugabe kisses Grace JEKESAI NJIKIZANA/AFP/Getty Images

    How Women Shape Coups

    In Zimbabwe, as in all coups, much behind-the-scenes plotting continues to take place in the aftermath of the military's overthrow of President Robert Mugabe. But who the eventual winners and losers are may depend, among other things, on the gender of the plotters.

  6. Oil barrels Ahmad Al-Rubaye/Getty Images

    The Abnormality of Oil

    At the 2017 Abu Dhabi Petroleum Exhibition and Conference, the consensus among industry executives was that oil prices will still be around $60 per barrel in November 2018. But there is evidence to suggest that the uptick in global growth and developments in Saudi Arabia will push the price as high as $80 in the meantime.

  7. Israeli soldier Menahem Kahana/Getty Images

    The Saudi Prince’s Dangerous War Games

    Saudi Arabia’s Crown Prince Mohammed bin Salman is working hard to consolidate power and establish his country as the Middle East’s only hegemon. But his efforts – which include an attempt to trigger a war between Israel and Hezbollah in Lebanon – increasingly look like the work of an immature gambler.