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天使投资唐 发表于 2014-10-5 14:13:09 | 显示全部楼层 |阅读模式
创业者埋怨国内银行不借钱,以为美国遍地黄金,美国银行更加会主观,而不是像国内银行客观用数字衡量会否贷款。
但今年年初美联储Fed前主席伯南克Bernanke申请几十万美元的房贷也遭拒!为什么?因为贷款要衡量客户的资产和是否有稳定收入而衡量风险和还款能力。自从伯南克退休后,他就失去稳定收入,而他的个人资产只有1~2百万美元,尽管他每次演讲收入25万美元,新书签约费 >百万美元,退休后每年收入肯定>几十万的房贷,对于美国房贷还是风险很大,特别是2008年金融危机后美国房贷放款收紧很多。毕竟,《天使投资》本色在于避险,不是冒险!

这样看来,中国的房贷和其他贷款还是比较松的,起码周小川不会说退休后银行会拒绝他几百万RMB的房贷。
所以,获得房贷、车贷、或信用贷款的中国人要感谢我国银行,因为你们比伯南克更幸运。

我与伯南克有几点相同:有信用但没钱、高潜在收入但没稳定收入,而他的演讲和卖书的收入就比我高几个等级,如果伯南克Bernanke申请几十万美元的房贷也被拒,那么我可能几万美元的房贷也拿不下。

所以自由和透明公平是有代价的,但好处就是对事不对人,大家都客观踏实做人。
你们愿意在美国没后门的体制,还是国内有关系=后门的体制?分享一下?




美联储前主席伯南克申请房贷为何遭拒
http://money.cnn.com/2014/10/03/real_estate/bernanke-refinance/index.html
2014年10月3日  翻译:龚蕾
美联储前主席伯南克今年年初申请房屋贷款,周四,他在美国芝加哥参加一场会议,期间,他与经济学家闲谈,他说,最近,他的房屋申请贷款被银行拒绝了。大家纷纷以为伯南克在开玩笑,他说,这不是他编造的。

伯南克表示,他没有能申请到房屋贷款或是因为银行可能对贷款持有更加谨慎的态度。
伯南克和格林斯潘都表示,放宽房屋贷款条件是促成增加房地产泡沫的主要因素,而房地产泡沫将导致金融危机和经济大衰退。
因而,美国银行和监管机构收紧了借贷标准,伯南克表示,伯南克夫妇两人2004年以83.9万美元购买了当前的住房,现价为81.5万美元,有三间卧室,两个浴室。
伯南克现在是美国华盛顿智库的研究人员,一次演讲收入大约25万美元,新书签约费大约超过百万美元,未来几年收入肯定超过房价。

数据显示,伯南克财富大约110万美元至230万美元之间,那么,为什么伯南克贷款没有被通过呢?

伯南克赚钱能力强,信用也好,但是,几个月前伯南克换了工作,工作变动让伯南克信用风险增加。
根据抵押贷款专家,一个人由固定薪资工作转为靠佣金工作,申请贷款就会更难,尽管新的工作收入很高。
伯南克刚刚离开了美国联邦政府工作,11年一直有稳定工作,现在,尽管伯南克收入很高,但是,他的演讲收入和著书收入难以预料。

伯南克认为,目前房贷机构提高了申请贷款条件,申请抵押贷款可能有些紧了。
房地美和房利美是美国抵押贷款发放公司,两房主导房贷市场,银行必须满足两房严格标准,才能房贷,美国银行现在提高了要求,不愿在资产负债表上承担风险。


Ben Bernanke can't refinance: Tough lending standards
By Chris Isidore and Katie Lobosco  @CNNMoney October 3, 2014

You want proof that it's tough to get a mortgage? Ben Bernanke, the nation's top central banker until the start of this year, is having trouble refinancing his home.
Bernanke spoke of his problems during an appearance Thursday at a conference in Chicago hosted by the National Investment Center for Senior Housing and Care.

Bloomberg News reported that during a question and answer session with economist Mark Zandi, Bernanke said "I recently tried to refinance my mortgage and I was unsuccessful in doing so."
When the audience laughed at the remark, Bernanke responded: "I'm not making that up."
Zandi confirmed the remarks to CNNMoney.
"It highlights how tight credit is for residential mortgage loans," Zandi said. "This is the key constraint on the housing recovery."
Lax home lending standards were a major factor in inflating the housing bubble under Bernanke's predecessor, Alan Greenspan, and the bursting of that housing bubble resulted in the financial meltdown and Great Recession.
In response, banks and regulators tightened lending standards. But Bernanke acknowledged that they might have swung too far, especially for first-time home buyers, and that tightness in lending standards is "probably excessive."
"I think it's entirely possible [that lenders] may have gone a little bit too far on mortgage credit conditions," he said, according to Bloomberg. "The housing area is one area where regulation has not yet got it right."
That could be choking off growth in housing and the overall economy.
Records show that Bernanke bought a house in Washington, D.C. for $839,000 in 2004 when he was just one member of the Fed's Board of Governors. The house has three bedrooms and 2-1/2 baths and is assessed today at $880,700, though real estate Web site Zillow puts its value at $965,468.
Bernanke, who was paid $199,700 as chairman of the Federal Reserve last year, is now commanding as much as $250,000 per speech, according to published reports. He is also a distinguished fellow at the Brookings Institution, a Washington think tank.
Financial disclosure reports show he had assets worth between $1.1 million and $2.3 million when he left the Fed chairman post, making him one of the least wealthy members of the Fed's Board.
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