Yet amid this exuberance, almost 8% of mortgage-holders in Miami are delinquent, among the highest share in the nation. Meanwhile, people renting housing face the end of a federal moratorium on evictions at the end of the month. A moratorium on mortgage foreclosures ends at the same time, raising fears of a spike in houses lost amid a house-price boom.
Surveys conducted by the Census Bureau do indeed show worrying signs. One in four renters and one in ten mortgage-holders have little to no confidence in their ability to pay for housing in the next month (see chart 1). Some 2.8m households, containing 7.4m Americans, are behind with the rent. The same surveys show that 1.9m households, in which 6m Americans live, are behind on their mortgages. Black and Hispanic households, those that are poor, and those with children are at greatest risk of losing housing.
No nationwide freezing of evictions and foreclosures has ever been attempted before. Unwinding the policy is therefore unprecedented. The degree of upheaval may ultimately depend on state and local decisions, which are tremendously varied.
С одной стороны рынок недвижимости растет как на дрожжах, но одновременно вот-вот закончится мораторий на выселение неплательщиков, как арендаторов, так и ипотечников. Что будет - никто толком не знают, но надеются на лучшее из за вливания денег на компенсации со стороны государства, а так же за счет резко ожившего рынка труда.