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Eksperter frygter kollaps på boligmarkedet
News by Norlander

Eksperter frygter kollaps på boligmarkedet
Uforståeligt at banker og realkredit underdriver risikoen for prisfald på boliger, mener to eksperter. Teori, lyder ejendomsmæglernes afvisning.

Boligmarkedet er i overhængende risiko for at bryde sammen.

Og alligevel lader ejendomsmæglere, banker og realkreditinstitutter som om, at markedet er sundt og stærkt.

Denne meget skarpe kritik bliver fremsat i en kronik i Berlingske Tidende af to fremtrædende kendere af boligmarkedet, juraprofessor Lennart Lynge Andersen og lektor i finansiering Finn Østrup, begge fra Handelshøjskolen i København.

»dybt uetisk markedsføring«
De to peger på, at boligmarkedet er ude af balance: Hvis markedet skulle være i balance, det vil sige, at priserne hverken er på vej op eller ned, så skulle folk, som bor i ejerbolig i dag, have råd til at købe deres bolig.

»Her støder vi imidlertid på et problem, for vi kender ingen i vores bekendtskabskreds, der ville have råd til at købe deres eget hus eller lejlighed, hvis de stod over for igen at skulle købe boligen«, skriver Lennart Lynge Andersen og Finn Østrup.

De anklager ejendomsmæglere og långivere for »dybt uetisk markedsføring«, når de altid kun taler om lavere prisvækst og muligheder for gevinst, aldrig om den store risiko for voldsomme prisfald.

For langt væk fra markedet
Hos Dansk Ejendomsmæglerforening afviser vicedirektør Thomas Torp kritikken som ren teori.

»Jo længere væk fra markedet man er, jo mere tror man på et prisfald. En del forskere taler om risiko for store fald, men der er ingen andre, der mener det, og slet ikke de, der har deres daglige gang på markedet«, siger han.

At folk ikke længere har råd til at købe deres eget hus, bekymrer ham ikke.

»Folk har jo ikke brug for at købe deres eget hus. Det er teori«, siger han.

Stærk afstand til ubekymrethed

Men Lennart Lynge Andersen og Finn Østrup tager stærk afstand fra ejendomsmæglernes ubekymrethed.

Det gælder også de banker og realkreditinstitutter, som står bag mæglerkæderne.

»Det er ikke i deres interesse, hvis sikkerheden for deres lån forsvinder, fordi boligpriserne er skruet for højt op«, skriver de.

link:
Politiken.dk

Comments
Norlander on June 28 2007 10:57:55
Posted this unconventional news item (it's in Danish) because it brings forth a few important points and I know 2-3 of you guys are contemplating buying an appartment/house in Denmark at some point in the comming years.

I agree with these two experts that it is a volatile market situation, and that it is only feasible as long as the economy keeps growing. If a recession hits people can no longer afford their housing loans, and nobody can afford to buy a new house at these prices.

Maybe Denmark will relive the housing crack that hit the Faroes in the early 1990's that directly led to the Bank crisis in '92 and the following years of high unemployment and economic depression.
Jogvanth on June 28 2007 19:18:44
And the same signs are clearly visible in the Faroes as well.

Don't mean to sound like a pessimist, but it's just a question of when!
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Obituaries
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Grizlas
24/12/2023 15:06
Gleðilig jól

Norlander
24/12/2023 10:09
Gleðilig jól!

Norlander
29/10/2023 19:16
:/

Grizlas
29/10/2023 11:35
RIP Matthew Perry.

Norlander
25/08/2023 19:22
That's not from the chess scene, it's Omar to Wee Bay, 2 mins into this clip: https://www.youtube.com/w
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Vuzman
25/08/2023 18:11
That chess scene is forever seared into my memory...

Norlander
24/08/2023 20:03
You quoting the Wire, wow smiley

Vuzman
24/08/2023 08:56
You come at the king, you best not miss... RIP Prigozhin

OKJones
10/08/2023 21:29
the search function doesn't work, it doesn't show what it finds

Vuzman
10/08/2023 16:34
RIP Sugar Man