正文
Foreclosure继续增加
More foreclosure gloom
Friday July 25, 8:02 am ET
CNNMoney.com
By Les Christie, CNNMoney.com staff writer
今年第二季度共有22万栋房屋被银行收走，几乎是去年同期的三倍
As foreclosures continue to soar, 220,000 homes were lost to bank repossessions in the second quarter, according to a housing market report Friday issued by RealtyTrac.
That\'s nearly triple the number from the same period in 2007.
过去三个月申请foreclosure的数量共有近74万，比今年第一季度增加了14%，比去年同期增加了121%，这就意味着，每171个美国家庭里就有一个家庭申请foreclosure
A total of 739,714 foreclosure filings were recorded during that three-month period, up 14% from the first quarter, and 121% from the same period in 2007. That means that one of every 171 U.S. households received a filing, which include notices of default, auction sale notices and bank repossessions.
全国大部分地区都有一定程度的foreclosure增加。50个中就有48个州、100个最大城市地域中就有95个感受到了foreclosure比去年同期的增加。
Most areas of the country are seeing at least some increase in foreclosure activity, said James Saccadic, CEO of RealtyTrac, an online marketer of foreclosed homes. Forty-eight of 50 states and 95 out of the nation\'s 100 largest metro areas experienced year-over-year increases in foreclosure activity.
Foreclosure增加太快，以致于不得不对先前的预测进行修正。
Because foreclosure filings are growing so quickly, RealtyTrac will have to reevaluate its foreclosure forecast for the year, according to spokesman Rick Sharga.
原先预测今年共有一百九十万到两百万栋房屋被forecloe，但上半年就达到了一百四十万。
We\'ve been saying foreclosures will total 1.9 million to 2 million this year, he said. But midway through the year, we\'re already at 1.4 million so we\'re going to be raising our projections.
坏消息不断，银行收回的房屋数和总foreclosure量成正比，上个季度占30%，同比增长24%
And there is more bad news: Bank repossessions are up as a proportion of total filings, representing 30% of the notices issued during the quarter, up from 24% a year ago.
不奇怪。暗淡的就业市场越来越差，经济也不好
I don\'t think that\'s a surprise if you look at the general conditions out there, said Brian Bethune, chief financial economist for Global Insight. There have been six straight moves of weaker employment this year. The ongoing problems in the housing market are compounded by a generally weaker economy. Foreclosures won\'t go down until we start to see employment move up again.
Sun Belt front and center
加州中谷地区的foreclosure仍然排第一，位于湾区三藩市东面的Stockton拥有全国
最高的foreclosure率，每25家就有一家申请foreclosure，是全国平均水平的七倍
California\'s Central Valley remains ground zero for foreclosure filings. Stockton, which is just east of San Francisco, had the highest rate of foreclosure filings of any metro area, one for every 25 homes. That\'s seven times the national average.
加州洛杉矶东面的Riverside/San Bernardino在foreclosure率上排名第二，
内华达州的Las Vegas排名第三，加州的Bakersfield排名第四，加州的Sacramento
排名第五
Riverside/San Bernardino, which is east of Los Angeles, had the second highest rate in the nation with one filing for every 32 households. Las Vegas, Bakersfield and Sacramento rounded out the top five.
Detroit continued to suffer more than any other non-Sun Belt area, with one filing for every 66 households. And several Ohio cities were also hard hit, led by Toledo (one in 92 households), Akron (one in 93) and Cleveland (one in 108).
On the other hand, there were a handful of metro areas that remained relatively unscathed. Honolulu, at one filing for every 1,331 households had the lowest rate of all, followed by Allentown, Pa. (one for every 972) and Syracuse, N.Y. (one for every 880).
就州范围来说，内华达的foreclosure率全国最高，加州的foreclosure总数则最多
At the state level, Nevada had the highest rate with one filing for every 43 households, while California had the highest total number of filings - 202,599.
The report came as more negative news for the housing market this week. On Thursday, a report form the National Association of Realtors revealed that existing home sales had declined again as the number of homes for sale continued to rise. On Tuesday, a government agency reported home prices registered another drop in May.
All this is happening as Congress struggles to pass a housing rescue bill that will make FHA-insured loans available to many at-risk borrowers. The measure, which is expected to be enacted, would take effect until Oct. 1.
One of the sponsors of the bill, Rep. Barney Frank, D-Mass., said in a statement Thursday that he encourages lenders and mortgage servicers to delay taking action against delinquent borrowers before the new law takes effect.
I am urging the mortgage servicers to hold off on foreclosures in applicable cases, he said, so borrowers can take advantage of the program.
More foreclosure gloom
Friday July 25, 8:02 am ET
CNNMoney.com
By Les Christie, CNNMoney.com staff writer
今年第二季度共有22万栋房屋被银行收走，几乎是去年同期的三倍
As foreclosures continue to soar, 220,000 homes were lost to bank repossessions in the second quarter, according to a housing market report Friday issued by RealtyTrac.
That\'s nearly triple the number from the same period in 2007.
过去三个月申请foreclosure的数量共有近74万，比今年第一季度增加了14%，比去年同期增加了121%，这就意味着，每171个美国家庭里就有一个家庭申请foreclosure
A total of 739,714 foreclosure filings were recorded during that three-month period, up 14% from the first quarter, and 121% from the same period in 2007. That means that one of every 171 U.S. households received a filing, which include notices of default, auction sale notices and bank repossessions.
全国大部分地区都有一定程度的foreclosure增加。50个中就有48个州、100个最大城市地域中就有95个感受到了foreclosure比去年同期的增加。
Most areas of the country are seeing at least some increase in foreclosure activity, said James Saccadic, CEO of RealtyTrac, an online marketer of foreclosed homes. Forty-eight of 50 states and 95 out of the nation\'s 100 largest metro areas experienced year-over-year increases in foreclosure activity.
Foreclosure增加太快，以致于不得不对先前的预测进行修正。
Because foreclosure filings are growing so quickly, RealtyTrac will have to reevaluate its foreclosure forecast for the year, according to spokesman Rick Sharga.
原先预测今年共有一百九十万到两百万栋房屋被forecloe，但上半年就达到了一百四十万。
We\'ve been saying foreclosures will total 1.9 million to 2 million this year, he said. But midway through the year, we\'re already at 1.4 million so we\'re going to be raising our projections.
坏消息不断，银行收回的房屋数和总foreclosure量成正比，上个季度占30%，同比增长24%
And there is more bad news: Bank repossessions are up as a proportion of total filings, representing 30% of the notices issued during the quarter, up from 24% a year ago.
不奇怪。暗淡的就业市场越来越差，经济也不好
I don\'t think that\'s a surprise if you look at the general conditions out there, said Brian Bethune, chief financial economist for Global Insight. There have been six straight moves of weaker employment this year. The ongoing problems in the housing market are compounded by a generally weaker economy. Foreclosures won\'t go down until we start to see employment move up again.
Sun Belt front and center
加州中谷地区的foreclosure仍然排第一，位于湾区三藩市东面的Stockton拥有全国
最高的foreclosure率，每25家就有一家申请foreclosure，是全国平均水平的七倍
California\'s Central Valley remains ground zero for foreclosure filings. Stockton, which is just east of San Francisco, had the highest rate of foreclosure filings of any metro area, one for every 25 homes. That\'s seven times the national average.
加州洛杉矶东面的Riverside/San Bernardino在foreclosure率上排名第二，
内华达州的Las Vegas排名第三，加州的Bakersfield排名第四，加州的Sacramento
排名第五
Riverside/San Bernardino, which is east of Los Angeles, had the second highest rate in the nation with one filing for every 32 households. Las Vegas, Bakersfield and Sacramento rounded out the top five.
Detroit continued to suffer more than any other non-Sun Belt area, with one filing for every 66 households. And several Ohio cities were also hard hit, led by Toledo (one in 92 households), Akron (one in 93) and Cleveland (one in 108).
On the other hand, there were a handful of metro areas that remained relatively unscathed. Honolulu, at one filing for every 1,331 households had the lowest rate of all, followed by Allentown, Pa. (one for every 972) and Syracuse, N.Y. (one for every 880).
就州范围来说，内华达的foreclosure率全国最高，加州的foreclosure总数则最多
At the state level, Nevada had the highest rate with one filing for every 43 households, while California had the highest total number of filings - 202,599.
The report came as more negative news for the housing market this week. On Thursday, a report form the National Association of Realtors revealed that existing home sales had declined again as the number of homes for sale continued to rise. On Tuesday, a government agency reported home prices registered another drop in May.
All this is happening as Congress struggles to pass a housing rescue bill that will make FHA-insured loans available to many at-risk borrowers. The measure, which is expected to be enacted, would take effect until Oct. 1.
One of the sponsors of the bill, Rep. Barney Frank, D-Mass., said in a statement Thursday that he encourages lenders and mortgage servicers to delay taking action against delinquent borrowers before the new law takes effect.
I am urging the mortgage servicers to hold off on foreclosures in applicable cases, he said, so borrowers can take advantage of the program.
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