Tuesday, May 30, 2023

A banking crisis in the United States could result from a collapse of commercial credit

Torturers can warn economic collapse in 2023 by commercial loans of 270,000 dollars before bank crisis in USA.

Local and regional economics in the United States the pressure is due to the recent of troubled Silicon Valley Bank and Signature Bank.

According to the Wall Street Journal, banks’ exposure to real estate assets increased before the pandemic; but the number of mortgagees will come this year.

The Bank Crisis in the United States could generate a collapse in 2023

The bank crisis in the United States of America has analysts and regulators worried about commercial real estate debt, which could generate a collapse in this economy by 2023. Small banks account for about 2.3 trillion dollars in real estate debt, according to data from Trepp Inc.

That’s whatFrom the small banks therefore almost 80% of the mortgagewith those who serve for the apartment rental and maintenance of the building.

Many have skyscrapers, business parks, and office properties lost its value in the pandemic since they are hybrid or remote selected forms.

In addition, rising interest rates have wreaked havoc on commercial property valuations, where many homeowners with multiple mortgages have been hit the hardest. increases your monthly debt.

Meanwhile, those with fixed-rate mortgages will see their monthly payments go up when they have He was said to have lived in this street.

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Collapse in the United States of America may occur in 2023 due to loans of 270 billion dollars

analysts consider 2023 as a critical year where a collapse may occur by ” $270 billion in loans maturing this year.

These are commercial mortgage loans that represent only the highest recorded figures, where the majority in the hands of banks are less than 250 billion in assets.

If these loans are paid, tranquility will be generated in the market; if, however, the number of established creditors is announced; banks will have to lower the value of these and other loans.

This mission is reinforced by fear when “ bank crisis in the United States of America and the finances of the country.

According to Professor Tomasz Piskorski at Columbia Business School, many the borrowers, the difficulty of paying the mortgage.

The Federal Reserve said in September that it would reconsider its financial crisis policy regarding the government’s restructuring of commercial properties.

Likewise, the “new policy” is described as timely in the post-pandemic era, when trends such as far-reaching employment growth can change historical demand patterns, negatively impacting the situation and the ability to pay owners. .

He also said that he would receive bonds and other goods at face value as collateral from the banks; which would make the bank less likely.

Yes, small and regional banks have a problemquickly if they have commercial property persons to be found, to sell remove the head

With information from The Wall Street Journal

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