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eCounsel group

A boutique firm with unparalleled expertise in business and technology. We have good command of industrial ecology and legal practice, and have undertaken highly regarded cases. Because the small business scope, we pay more emphasis on effectiveness and efficiency, and choose clients with deliberation. The managing partner not only has extensive experiences in various legal issues more over than 20 years, but invests and manages several technology companies. In addition, he always checks each case rigorously. Clients’ business objectives are our primary focus. To achieve the same in the most cost-effective fashion trumps all seemingly sophisticated legal discussions.

Housing: U.S Middle-Class Can No Longer Afford

2016 - 08 - 11

Since 2012, U.S housing recovery has began in 2012, but a revamp housing market didn’t create an equal economic benefit for everyone, but a generation of renters who can no longer afford a house.



(1) 房價持續上漲,整體而言,只比金融海嘯前的高點低2%
Overall prices are now just 2% below the peak reached in July 2006.

(2) 擁屋率(62.9%)持續下探,跌至51年來的最低點;有專家預測至2050年時可能掉到58%甚至再低
While economists expected the homeownership rate to begin edging up this year, the rate fell to a 51-year low of 62.9% in the second quarter.

The rate could fall to 58% or lower by 2050, according to a recent prediction by housing experts Arthur Acolin of the University of Southern California.

(3) 租金報酬率在4%以上,接近台灣三倍;租屋族苦哈哈,包租公笑哈哈

(4) 買不起房的雙重打擊:一方面享受不到財富增值(房價上漲)且退休後仍須承擔租屋壓力,二方面要不斷面對接連上漲的租金
Long-term declines could erase gains made by middle-class Americans since World War II. Owning a home provides protection against rising rents and has been a key component of retirement saving and wealth creation.

Lopsided Housing Rebound Leaves Millions of People Out in the Cold

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