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A proper definition of the term [http://www.votre-compromis-de-vente.com/ credit immobilier] is needed so that its effects on the real estate market could be precisely analyzed. According to a few Internet and book sources, credit crunch is a period when borrowers have a hard time obtaining financing. Even if they're able to find financing, the interest rates will usually be very high.

A capital crunch is what a credit crunch in addition has been defined as. There is frequently a shortage in equity [http://www.votre-compromis-de-vente.com/ pret immobilier] and also this limits lenders' abilities to make loans, which is very true in regions which were most affected by the subprime mortgage and financial crisis. Within a credit crunch, lenders stop lending, and they hang on to their capital because they fear lending money because there are rising bankruptcies, mortgage defaults and job losses, along with other factors that increase the danger of an individual not being able to repay a [http://www.votre-compromis-de-vente.com/ compromis de vente].