{"id":38538,"date":"2026-11-04T01:18:58","date_gmt":"2026-11-04T01:18:58","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=38538"},"modified":"2026-10-23T02:54:02","modified_gmt":"2026-10-23T01:54:02","slug":"se-ieftinesc-rablele-sh-in-hamerica","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=38538","title":{"rendered":"\u00cen hAmerica se ieftinesc rablele SH"},"content":{"rendered":"
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NOT<\/a>. Not yet.<\/a>
Mai scriu un text scurt din seria mea de propagand\u0103 anti credite \u0219i servitute la b\u0103nci.
Datoria americanilor pentru rable a ajuns \u00een Q2\/2026 la 1.7 trilioane<\/a>. D\u0103 dolari.
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A\u0219a de bine c\u0103 de ceva timp au firmele de investi\u021bii fac bani ca la nebuni din ABS-uri<\/a> \u00een SUA.
\u0218ti\u021bi ce-s \u0103lea ABS-uri? Ce erau CDS-urile la criza din 2008 \u0219tia\u021bi? Acuma \u0219ti\u021bi. E tot un fel de credit default swap, problema fiind, \u00een cazul \u0103sta, c\u0103 \u201dasset backed security\u201d e un instrument perisabil, c\u00e2t\u0103 vreme assetul se depreciaz\u0103 rapid.
Nu e o \u0219tire curent\u0103, o companie de leasinguri auto subprime – sun\u0103 cunoscut termenul? – a dat faliment anul trecut – Tricolor<\/a>.
Se mai \u00eent\u00e2mpl\u0103, c\u00e2nd clien\u021bii t\u0103i sunt fali\u021bi. Dar acum fo\u0219tii \u0219efi sunt acuza\u021bi de fraud\u0103 de c\u0103tre SEC, pentru scheme cu ABS-uri<\/a>. Devine nesustenabil.
Acum un an scria presa c\u0103 afacerile cu reposed\u0103ri de ma\u0219ini \u00eemprumutate mergeau bine de tot.
Acum o lun\u0103 <\/a>au dat pe yahoo finance c\u0103 se cam sparge bula, c\u0103 nu-\u0219i mai permite lumea ratele \u0219i nici nu-s motiva\u021bi s\u0103 le mai pl\u0103teasc\u0103 pentru c\u0103 e o spiral\u0103 de datornici cu equity negativ, sau \u201dup side down\u201d cum zic americanii. Adic\u0103 au de dat mai mult dec\u00e2t face ma\u0219ina lor \u0219i why bother. Exist\u0103 motiv, c\u0103 \u00een SUA r\u0103m\u00e2i dator oricum \u0219i dup\u0103 ce \u00ee\u021bia iau creditorii ma\u0219ina, p\u00e2n\u0103 nu declari faliment. Dar dac\u0103 declari faliment \u0219i mai ai asseturi, e complicat.
Din aprilie a devenit dificil pentru americani s\u0103 se califice pentru \u00eemprumuturi auto \u0219i totu\u0219i, \u00een august a fost un maxim de \u00eemprumuturi <\/a> – ghici ce fel de \u00eemprumuturi au fost, dac\u0103 oamenii nu se pot califica ? Subprimes, baby!
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E posibil c\u0103 problema asta e v\u00e2nturat\u0103 acum, \u00eenainte de alegerile \u0103stora, dar e posibil c\u0103 nu-\u0219i mai permit s\u0103 pl\u0103teasc\u0103 rablelele alea \u0219i \u00een cur\u00e2nd nu vor mai vinde rable – remember 2008.
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E OK, \u00een UK chiar se ieftinesc rablele SH. C\u0103 s-a umplut pia\u021ba de chinez\u0103rii. P\u00e2n\u0103 la punctul la care nu mai po\u021bi face buyback. Nu-s interesat oricum vreodat\u0103, dar e amuzant<\/a>.

La final, ceva de amuzament. Prima cauz\u0103 a falimentului personal \u00een SUA nu e datoria pe c\u0103r\u021bi de credit, ci facturile medicale<\/a>. 30 de zile la terapie intensiv\u0103 – 1 milion de dolari.<\/a>






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NOT. Not yet. Mai scriu un text scurt din seria mea de propagand\u0103 anti credite \u0219i servitute la b\u0103nci. Datoria americanilor pentru rable a ajuns…<\/p>\n","protected":false},"author":2,"featured_media":28937,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[3499,1],"tags":[],"class_list":["post-38538","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-uncategorized"],"views":98,"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-a1A","jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2024\/10\/rable.jpg","_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/38538","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=38538"}],"version-history":[{"count":2,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/38538\/revisions"}],"predecessor-version":[{"id":38542,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/38538\/revisions\/38542"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/28937"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38538"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38538"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38538"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}