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(assumed to be ½–2% of ''P''), and yearly maintenance cost rate (assumed to be ½–1% of ''P''), the monthly cost of home ownership is approximately〔A derivation for the monthly cost is provided at usenet's (sci.math FAQ ).〕 :: :: For example, the monthly cost of a $250,000 home at 6% interest fixed over 30 years, with 1% property taxes, 0.75% maintenance costs, and a 30% federal income tax rate is approximately $1361 per month. The rental cost for an equivalent home may be less in many U.S. cities as of 2006. Adding a down payment or home equity to this calculation can significantly reduce the monthly cost of ownership, while significantly reducing the income stream that the downpayment would generate in a long term CD. Including the monthly cost of forgoing the standard deduction ($10,000 for a married couple), the added cost (the reduction in tax savings) of (deduction * tax_rate / 12) would increase the cost to buy a home by $250/mo, to $1611 for a married couple filing jointly in the example above. |} |- | |} Observers and analysts have attributed the reasons for the 2001–2006 housing bubble and its 2007–10 collapse in the United States to "everyone from home buyers to Wall Street, mortgage brokers to Alan Greenspan".〔 Other factors that are named include "Mortgage underwriters, investment banks, rating agencies, and investors",〔 "low mortgage interest rates, low short-term interest rates, relaxed standards for mortgage loans, and irrational exuberance"〔(A Summary of the Primary Causes of the Housing Bubble and the Resulting Credit Crisis: A Non-Technical Paper ) By JEFF HOLT〕 Politicians in both the Democratic and Republican political parties have been cited for "pushing to keep derivatives unregulated" and "with rare exceptions" giving Fannie Mae and Freddie Mac "unwavering support". ==Government policies== 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Causes of the United States housing bubble」の詳細全文を読む スポンサード リンク
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