减税政策

减税政策
人质疑家庭正在共同努力,增加储蓄,减少消费,以及这是否影响住房的生活方式。直到现在,消费者一直在花钱,同时减少债务,根据标准普尔的经济学家。消费者正在变得不那么害怕,开始再次借贷和支出,标普的经济学家说。
家庭债务的减少,下降到可支配收入的122%在2010年第三季度创纪录的134%在2008年初,长远来说是健康的。延长所有的减税政策是积极的,但最终,政府将不得不提高税收,在我们看来。
我们知道银行不再提供新的抵押贷款与很少或没有首付买回家。银行的信贷指南现在更为保守的在决定家庭是否有资格的抵押贷款。也许中国家庭的唯一途径回到他们的历史水平的财富是拯救他们的未来收入的5%或更多在接下来的十年,在我们看来。此外,风险容忍度水平现在低得多,随着家庭的学院或养老储蓄在过去
几年里显著下降。
减税政策
One has to question whether families are making concerted efforts to save more and spend less, and whether this affects housing lifestyles. Up until now, consumers have been spending money while still cutting down on debt, according to Standard & Poor’s economists. Consumers are becoming less scared and are starting to borrow and spend again, said S&P’s economists.
The cutback in household debt, which dropped to 122% of disposable income in the third quarter of 2010 from a record 134% at the beginning of 2008, is healthy in the long run. The extension of all the tax cuts is a positive for now, but eventually the government will have to raise taxes, in our opinion.
We do know that banks are no longer offering new mortgages with little or no down payments on a purchased home. Banks’ credit guidelines are now more conservative in determining whether a family qualifies for a mortgage. Perhaps the only way for Chinese families to return to their historical levels of wealth is to save 5% or more of their future income over the next decade, in our opinion. In addition, risk tolerance levels are now much lower, as families’ college or retirement nest eggs have declined significantly over the last several years.