Wednesday, February 14, 2007

Credit Crunch at the Bottom

Really it's no surprise, but with the steady incline of mortgage defaults (and the subsequent implosion of mortgage lenders), credit is getting tighter for those with less than stellar ratings. From CNN/Money.

'NEW YORK (CNNMoney.com) -- Just as the struggling real estate market seems to be stabilizing, a fresh problem is brewing far from real estate offices or home construction sites: a jump in defaults by higher-risk borrowers.

News of rising default rates by buyers with less than stellar credit could put a crimp in financing for home purchases - and prices. That's because the rapid growth of new types of mortgages was one of the key factors behind the boom that sent home buying, and prices, to record highs for five straight years through 2005.'

What? Do they mean to say that the skyrocketing prices of the past several years wasn't organic? You mean it was (gasp!) an artificial situation, created by loose underwriting, crooked appraisers, and realtor hype? And WHAT stabilization of the market are they speaking of? The last I checked, there is record inventory and record defaults and a sharp decline in nearly every major market (in Florida, that would be EVERY market).

'Last week, some serious problems cropped up due to rising defaults. HSBC (Charts) announced its bad debt charge last year would be about $1.8 billion higher than expected as problems grew in U.S. mortgage securities it had purchased, particularly loans to borrowers of less than top credit, a sector of the industry known as subprime mortgages.

And lender New Century Financial (Charts), which specializes in subprime loans, announced it would have to restate results for 2006 to account for losses on defaulted loans it would be required to repurchase. That news sent its shares tumbling by more than a third on Thursday, and hit lenders throughout the subprime sector.'

So, what is happening now?

'Beyond whatever problem the rising defaults in the subprime sector might cause to those lenders and their investors, the news was a setback for the struggling real estate market, according to experts in the field.

The problems with subprime loans are likely to lead to problems for many potential home buyers with less than top credit ratings. That's because most lenders don't hang onto their mortgage loans. Instead, they package them with other loans of similar quality and sell them as securities, providing cash to make additional loans.

Some experts estimate that rates for subprime mortgage loans could rise a half to three-quarters of a percentage point because of the higher default rates, and that could top a full percentage point if the default problem gets worse.'

It's about time the banks wised up - qualifying people for loans that far outweigh their ability to repay is bad, bad, business. The question is, how does this affect the overall economy?

37 comments:

Anonymous said...

I suspect this is just the tip of the iceberg, I also wonder if the uptick in applications reported this week is due to brokers having to re-apply multiple times because of the sudden changes in loan availability.

Anonymous said...

The further de-stabilization in the housing market,according to the fundamentals, indicates that we have a lot further to go, on the downward trajectory. What we have here is a continued de-stabilization of the housing market.

Anonymous said...

I know it is a bit off topic, but you know it is bad when FOX News air commericals for the "Home Builders Association of Metro Orlando", targeting Central FL!
http://realopportunitycfl.com/

Just thought I would include this with the "Crunch" news!

Anonymous said...

Capitan "CRIST"!!!!

WHERE ARE YOU TAKING THE U.S.S. FLORIDA?????

We've just taken a shot across the bow....

STATE FARM INSURANCE COMPANY, is warning us, by telling Mississippi, ""NO MORE INSURANCE""" for you guys.....
+++++++++++++++++++++++++++++++

State Farm to stop writing new policies in Mississippi
Michael Kunzelman
Associated Press
Feb. 15, 2007 12:00 AM

State Farm Insurance Cos. is suspending sales of any new commercial or homeowner policies in Mississippi starting Friday, citing in part a wave of litigation it has faced since Hurricane Katrina, a company official said Wednesday.

Mike Fernandez, vice president of public affairs for State Farm, said Mississippi's "current legal and political environment is simply untenable. We're just not in a position to accept any additional risk in this homeowners' market."

Fernandez said the decision does not affect existing policies but the company is still assessing how many of the current policies in Mississippi will be renewed this year. advertisement




Fernandez said the action was not a direct response to any specific development in the litigation. That litigation has included a recent federal jury's $2.5 million punitive damage award to a couple who sued State Farm for refusing to cover the 2005 hurricane's storm surge damage to their Biloxi home.

U.S. District Judge L.T. Senter Jr. later reduced the award to $1 million, even though Senter said State Farm acted in a "grossly negligent way" by denying the claim filed by policyholders Norman and Genevieve Broussard.

"I view this decision as the inevitable outcome of the increased uncertainty and cost associated with the litigation that has developed post-Katrina," said Robert Hartwig, vice president and chief economist for the Insurance Information Institute in New York, an industry-funded group.

The state's courts and some state officials have created a "virtually impossible working environment for insurers," he said.

Mississippi Insurance Commissioner George Dale said State Farm's decision comes at a time in the recovery process when "it is becoming more vital than ever that policyholders in Mississippi have a viable and affordable insurance market."

"State Farm's decision is a stark reminder that the issues brought about by Hurricane Katrina affect not only the coast, but policyholders all across the state," Dale said in a statement.

"It is my hope that by continuing to work with State Farm, they will at some time in the future reverse the decision," Dale said.

Bob Trippel, State Farm senior vice president, said that the company would reassess the situation "when there's more certainty" in the state's business climate.

Anonymous said...

What'dz everyone expect? The mortgage train ride is coming to an end - 'bout time people actually get what they can afford.

As for Mississippi - sounds like Florida, without the overpriced houses.

Anonymous said...

It is time to go back to the days of mud hut communal living.

When the storms came and the huts were destroyed, the group would have to work together to fix it.

Those unable to work as a team were fed to the alligators.

Anonymous said...

JO....I like my idea better....

Card board boxes and shipping crates.....
digging gets your hands dirty, and the cardbord/shipping crates, they'll just ship to your construction site...

"""MUCH EASIER""", and more time for 'MILLER HIGHLIFE""

Anonymous said...

""THE CRIST"" should save the 'flippers' from total damnation, and distruction, and in so doing, save the homebuilding indusry, and the State Of Florida....

""CRAZY'S"" crazy plan, is very simple.....

Governor Crist, should have the legislature, pass a law, on the ""RIGHT OF RECISION"""

Any 'flipper' who has bought a house in the last 2-3 years, that they cannot sell, ""should"" have the right to sell it back >>>>""TO THE STATE OF FLORIDA""<<<

In a stroke of a pen, and genius, we'd solve the housing problem, just like that....
ALL, the empty houses would be off the market, and the homeless who couldn't afford the houses before could rent them from the state at a discount....

PROBLEM SOLVED....on to the next.

Anonymous said...

Remember the ROAD RUNNER cartoons, with WILEY E COYOTE.....

He runs of the end of a cliff, or something.....""HE LOOKS DOWN""

>>>>Then there's that LLOOOONG pause, before he starts his desent.....

Well!!! That's where Crazy thinks we are right NOW!!!!!

>>>>THE LONG PAUSE<<<<<

People can't believe what just happened!!!!

Holy Chit!!! Prices went up 273% in Palm Beach County in 3 years....
Prices ran up the hill and off the end of the cliff......

Only this time, a seat bealt, or crash helmet, ain't going to do you any good.....

Because "IF" the falling housing prices don't get you, then ""THE ECONOMY WILL""....
Like Bruce Springsteen used to sing: The jobs are going, and they ain't coming back....[for a longtime]

Anonymous said...

First, the free tax giveaway (aka, "Save Our Homes")

Now, the free insurance giveaway (aka, "Charlie Crist Insurance Reform")

Next, round 2 of the free tax giveaway ("Charlie Crist Save Our Homes Portabilty Amendment")

1 + 2 + 3 = Certain Financial Meltdown in FLA

I think I want to move to an underground bunker in West Virginia.

Anonymous said...

CRAZY is laughing his ass off and CANNOT believe it!!!!!

Somebody stole his idea, from the Florida Paradise-Lost blog....

Right here several months ago, I posted that I thought what the home building industry needed were cheaper priced houses, and further thought that the only way to do it was MAIL-ORDER from the Chinese!!!!!

WELL!!! GUESS WHAT!!!!

HERE YOU GO....READ THIS AND WEEP!!!
================================

http://www.latimes.com/business/la-fi-chinahome17feb17,1,3759762.story?coll=la-headlines-business

GLOBAL CAPITAL
Homes for export; assembly required
A Chinese builder hopes to move his prefab, energy-efficient product into the U.S. market.
By Evelyn Iritani
Times Staff Writer

February 17, 2007

BEIJING — In a dusty field on the outskirts of China's capital, Fan Zhi has built the American dream. The two-bedroom cottage comes with a front porch. The rocking chair is not included.

By capturing the attention of Americans weary of high heating bills and soaring construction costs, Fan hopes to turn this prefab home into the McBungalow of the home-building world. He says his energy-efficient product, which can be assembled in less than three hours, can withstand hurricane-strength winds and Southern California wildfires.

Fan shouldn't have to go overseas to seek his fortune. Burdened with some of the world's most polluted cities and a skyrocketing bill for imported fuel, the Chinese government has launched a multibillion-dollar energy-conservation campaign that includes tough restrictions for new construction.

But last week, Qiu Baoxing, the vice minister of construction, acknowledged that the government's efforts were failing because local officials weren't enforcing the laws. A survey by the Construction Ministry found that only 53% of new buildings were in compliance with the new energy-efficiency regulations, according to the local media.

Qiu ordered developers to reduce energy consumption for heating, lighting and air conditioning in all new buildings by 50% or they would risk losing their business licenses.

Fan, the founder of Beijing Taikong Panel Industry Corp., isn't optimistic that the government will win this battle. He estimated that it would be at least five to 10 years before there was a large market in China for his product, which costs about 20% more than those using traditional building materials. Since launching his home division last year, he has sold only a couple dozen units.

"Look at all those homes," he said, pointing to a skyline filled with high-rise buildings and construction cranes. "If you moved them to the United States or Britain, none of them would meet energy-efficiency standards."

That's why Fan is looking to America, where rising energy costs and growing environmental awareness have spurred interest in eco-friendly architecture. Employment costs also are high, increasing the attractiveness of prefabricated homes, which can be built quickly using minimal labor.

"Our major aim is to build a few world-class brands, just like BMW or Mercedes-Benz," said Fan, who has been playing host to a steady stream of foreign visitors since the state-run China Daily published an article about his company several weeks ago.

During a recent visit by a delegation from Mississippi and Florida, a crew of nine blue-jacketed workers at Fan's factory built a 680-square-foot home in less than three hours. A giant crane was used to swing the steel-framed panels into place, which were then bolted onto a concrete foundation. That home, sold for $31,500 to a Chinese buyer, will be dismantled and rebuilt in another part of Beijing.

Fan faces huge hurdles, including securing foreign government approvals for his unusual product. In the U.S., for example, homes must adhere to dozens of federal, state and local building codes.

Fan's homes are produced using a patented technology that layers foam cement and fiberglass netting to create a strong but relatively lightweight material.

Fan started out in commercial construction in 1993, but shrinking profit prompted him to move into home building last year. Residential real estate prices in China are exploding in spite of the government's efforts to slow the market by raising property taxes, placing restrictions on foreign home buyers and other measures. The average price of a single-family home in the capital last year topped $600,000, according to Beijing news reports.

Fan's finished homes aren't the cheapest on the market, selling for $37 to $49 a square foot in China, excluding land. He estimates that the price will double in the United States after taking into account shipping and some assembly costs.

But he pointed out that his building material offers substantial energy savings: A 7-inch-thick panel provides the same insulating capabilities as a 6-foot-thick brick wall. At an agricultural trade show in Beijing last summer, he built a zero-energy demonstration home using solar and wind power

Anonymous said...

Crazy thinks, that Realtors have 'stark fear' and are ""TERRIFIED"" of their impending ""DOOM""....

Realty, going to auction!!!!

Read what's happening in Daytona Beach area....
===============================

Bang the gavel slowly

Property auctions: Quick sale on the cheap or successful marketing ploy?

By MELISSA GRIGGS
Staff Writer
Sylvestri Investments' auction of 25 condos at Ocean Walk in New Smyrna Beach last weekend was either a desperate move or the bold setting of a new trend, but it has drawn criticism from some Realtors concerned about the area's sagging condo market.

"I'm getting calls from Realtors. They are saying the market is really bad and you are going to show how bad it is," said William R. Bone, president of the Alabama-based National Auction Group Inc., which handled the auction for Sylvestri.

"They are afraid the condos will sell real cheap and hurt everybody," Bone said before the auction on Feb. 10. "Everybody's property values are at stake here. But something's gotta happen. Things will move at some price."

On the other hand, some developers are watching Sylvestri's experience, Bone said. "They are telling me, 'Gosh, if you can do this, I've got others to sell.' "

It didn't take an auction to expose how bad the condo market is; the numbers speak for themselves. In December, sales of existing condos in the Volusia-Flagler market plummeted 83 percent from December 2005, according to the Florida Association of Realtors. The year-end figures showed a 55 percent drop from 2005 to 2006.

Local Realtors continue to sound upbeat, stressing the drop in sales is simply a painful correction of the once-booming housing market

Anonymous said...

Some of Crazy's 'ass-backward' logic for you, "IF" we may!!!!

"IF", you in fact have a job, and are working, we can easily determine then, that ""YOU CAN NOT AFFORD A HOUSE""....
Because house prices are higher than people with jobs can afford????

SSSOOO!!! In order to buy a house...you have to quit your job, and take out a loan application,
and certify all the money that you would "LIKE" to make, and your ablity to make the house payments....

WITH THAT, they can swing into action.....Once you're approved you'll have them eating out of your hand like candy....
You can get yourself into a nice house, with negative amortization, and live the dream, for a couple of months anyway.....
Best to arrange the moving truck right away, so if you gotta get outta town fast, you've got the moving company on speed-dial.....

Anonymous said...

This is NOT my blog....

THIS JERRY'S, AND I DO NOT FEEL I AM DOING HIM JUSTICE HERE, BY POSTING ALL MY STUFF!!!

I'm sure he'll find his way much better without my postings....simple as that!!

Anonymous said...

Hey Crazy i like your postings =/. I read em all the time!

Anonymous said...

A meltdown here folks....zzzzzzzzzzzzzizzling

Anonymous said...

The information of this site is really important since it counts on specific details for interested in real estate.

The illustration that offers on the life in Costa Rica and its people seems to me very advisable the image of the

country and contributes great benefits for the tourism, business that offers many economic advantages for the

country. The increase of real estate in Costa Rica during the last years is the test that Costa Rica in one of the

destinies more looked for by the foreigners eager to invest in this point of exuberant beauty of flora and fauna. I

also count on information referring to the subject.

More information at:

Great investment opportunity in Costa Rica: , ,

href="http://www.costa-ricarealestate.com/jaco-bay-organic-landing.html">map jaco beach costa

rica
. Visit us for more info at:

Anonymous said...

tWy3qm Your blog is great. Articles is interesting!

Anonymous said...

den6mh Nice Article.

Anonymous said...

ag4mv2 Good job!

Anonymous said...

Thanks to author.

Anonymous said...

Magnific!

Anonymous said...

Thanks to author.

Anonymous said...

Thanks to author.

Anonymous said...

Wonderful blog.

Anonymous said...

Thanks to author.

Anonymous said...

actually, that's brilliant. Thank you. I'm going to pass that on to a couple of people.

Anonymous said...

Good job!

Anonymous said...

mUW4hC actually, that's brilliant. Thank you. I'm going to pass that on to a couple of people.

Anonymous said...

Hello all!

Anonymous said...

I'm the sort of guy who loves to seek radical stuff. Presently I am building my personalized solar panels. I am doing it all alone without the assistance of my men. I am utilizing the net as the only way to acheive that. I stumbled upon a truly brilliant site that explains how to build solar panels and wind generators. The web site explains all the steps required to solar panel construction.

I'm not exactly sure about how correct the information given there iz. If some guys over here who have experience with these works can have a see and give your feedback in the site it will be great and I'd extremely value it, cauze I really enjoy solar panel construction.

Tnx for reading this. You guys are the best.

Anonymous said...

buy ativan what does lorazepam 1mg do - ativan 3.5 mg

梁爵 said...

2020.04.12新型冠狀病毒病全國酒店工作都停業,讓酒店上班酒店小姐生計大受影響,為了求生存,不少酒店打工小姐乾脆另闢「戰場」,跟著客人一起到KTV或是複合式釣蝦場,一來檯費可以酒店上班照算,更不用被八大行業酒店經紀抽成。畢竟酒店生活常熬夜又不規律,這樣變相坐檯,醫師表示還是有風險。穿著蕾絲小外套手臂若隱若現,將近170公分的身高搭配一雙典雅跟鞋,他是酒店PT酒店小姐Angel,在業界走跳這麼久,還是第一次遇到酒店全面停業。酒店小姐Angel:「我們現在多半就是飯局或者是伴遊啊,那甚至是可能有當秘書或是一日助理啊,就比較趨向這一塊。」有的酒店小姐轉戰一般KTV或複合式釣蝦場,一樣照算坐檯費跟客人喊價 ,不用被酒店經紀抽成。雖然Angel年過30,但身材外貌保養得宜,會說話、擅交際,比起年輕女孩略勝一籌。酒店小姐Angel:「有一些比較年輕的妹妹,她或許對一些社會經驗或者是其他比較能聊的東西,沒辦法跟客人可以很聊得下去,很聊得來這樣,那我們比較可以留心。」畢竟八大行業工作飲酒,基本上不會戴口罩,社交距離也根本無法保持,接觸的客人太複雜更難自我保護。知名八大行業酒店經紀:「(酒店小姐)她們比較常常熬夜,對生活作息比較不規則,壓力有時候會比較大一點,這個感染以後這個病就會比較難以控制。」這回叫傳播或跑小吃店等於是變相坐檯,防不勝防。

梁爵 said...

2020.05.06新冠肺炎疫情肆虐,由於先前有台北某知名酒店工作酒店女公關酒店S確診,因此指揮中心下令全台酒店上班暫時停業,連帶造成許多小姐生計出現困難。不過也正因為如此,大家開始討論八大行業酒店內秘辛、玩法、價位等等,一些不為人知的事情,浮上檯面;一名酒店小姐就分享,曾遇到狐臭味超重的客人。根據【酒店PT】鍵盤大檸檬網站真人真事,一名酒店打工酒店小姐因為經濟困難到酒店上班,卻遇上「超級狐仙」客人,對方味道濃醇不香,期間不斷手舉高、腋下對著她;回家洗澡完,她發現身上仍有客人的狐臭味,因此再次坐檯時,請求對方不要再點她檯了,結果男客居然犯賤,每回來都點她。隨著酒店停業,想必該位小姐暫時不會再被男客的狐臭味侵犯了。回顧先前本刊記者調查,台北市合法登記的酒吧及視聽歌唱等特種行業約30家,以每家平均40個包廂(桌數),單店每日營收60萬元至240萬元為計,停業一個月,損失最高飆破20億元,若計入不合法的地下酒店,損失將逾30億元。而有業者為了求生存,因此轉為「地下化」,更有酒店女公關轉戰應召市場,宜蘭甚至出現付1500元就能獲得全套服務亂象。目前台灣疫情逐漸趨緩,對於酒店何時解禁,中央流行疫情指揮中心指揮官陳時中表示,解禁沒有時間表,但只要大家願意好好配合,那開放的時間就越快。

梁爵 said...

2020.06.09酒店小姐的基本介紹跟工作內容台北市大安區忠孝東路四段一間我在酒店上班的日子酒店,凌晨3時許發生打架案,30歲張姓男子在酒店門口與人口角衝突,慘被打到頭破血流送醫,由於不敢來酒店上班-酒店打工的原因疫情期間,酒店採實名制,所有進出酒客都有登錄姓名,目前酒店上班-酒店兼職-兼差如何達成人生的第一桶金警方根據監視器畫面及酒店兼差不是一個複雜的工作環境?登錄資料,已鎖定涉嫌動手的兩名男子,積極追查中。
職場須知 【酒店PT 】事發沒多久,張男的友人一度帶約10名黑衣人重回酒店要討公道,要店家教人出來,警方獲報出動30名快打警力,由於現場並無過激動作,警方查抄資料後將這群人驅離,另為防再有意外,也加派警力在酒店外站崗以防滋事。
警方初步調查,張男與朋友到忠孝東路四段地下室的「香閣里拉」酒店消費,結束後友人先離去,最後上來的張男在門口嘔吐,遇上正要從酒店出來的另群酒客,雙方發生口角,隨即大打出手,張男疑遭對方持鈍器攻擊,被打倒在地,頭部有撕裂傷,救護車將他送醫救治,暫無生命危險。

梁爵 said...

2020.10.18酒店小姐的基本介紹跟工作內容第一次是剛入社會工作時,陪主管到台中出差,他們帶我去的;那晚,看到2個已婚主管大解放的樣子,讓我有點驚恐…他們玩得很瘋,我和一個年紀比我小、和我一樣菜的小姐,2個躲到隔壁沒人的包廂「避難」。
我問她:【酒店小姐】【酒店公關】不敢來酒店上班-酒店打工的原因?為甚麼來這裡工作?
她說:不敢來酒店上班-酒店打工的原因?趁年輕多賺一點,給家裡,以後也想自己開咖啡店。
我說:主管說要帶我開眼界…
她又問:酒店酒店小姐酒店上班到底都在做麼?好玩嗎?
我說:酒店兼差不是一個複雜的工作環境?有點恐怖….
可能年紀相近吧,我們聊著在職場被前輩、被客人欺負的零零總總,一直聊到主管大聲叫我們,我們才趕忙走回包廂。上個月,去了第2次酒店。認識10多年的客戶大哥,約我到東區的酒店;這次優雅多了,純粹因為大哥喜歡這裡的氣氛,想在這談事情。陪在包廂的幾個「資深小姐」和大哥都熟,談吐有趣、懂進退;她們試著和我這個新面孔攀談,想找出共同的話題。聊到「投資」的話題,大家的話匣子被打開了。其中一個小姐說:「剛入行的時候,每次領到獎金、每年過生日我都會到名牌專櫃、刷個精品犒賞自己。」
另一個小姐氣噗噗說:「幾次需要現金週轉,把名牌包轉賣,才發現我幾萬、幾萬買來的包,根本不值幾個錢,嘔死了。」其他小姐跟著起鬨說:「名牌包像渣男的愛,貶值得厲害。」「名牌包像女人的身價,變中古就不值錢了。」她們聊開了,完全忘了眼前我是個男人….汗。
我好奇問:「現在不買名牌了嗎?」
小姐A說:「以前送自己名牌包,現在送自己名牌股票。」
我問:「什麼是名牌股票啊?」
她們回:「公司穩到不會倒、名聲大到不行的公司啊,像是OOO、OOO….」哈哈,聽了她們講出的幾個名字,果然都是大名牌。
原來小姐A,聽了恩客的教導,開始懂得投資股票;這幾年,手邊有閒錢就一張一張的買。其他小姐看她像個「包租婆」每年有股息、股利可領,也「跟風」開始學她投資,用包包換股票。A驕傲地說:「年輕小姐在比手上的包包,我們資深姐姐是在比誰手上的股票多。」
那天晚上的聊天很有趣,很替小姐們「投資有術」開心。手拿名牌包,得到的是虛榮;手裡有錢,才能活得有底氣。不是等有錢了,才理財;而是開始理財,才會有錢。崴爺看到不少人,還停在「買名牌包」、「等有錢才想理財」的階段,希望酒店裡的小故事,讓你有些啟發。

梁爵 said...

台北市昨新增一百例本土確診,主要仍集中於八大行業酒店打工及校園,其中包括兩起酒店上班KTV群聚案,累計廿六人染疫,而多處行政區內的國小及幼兒園也再傳疫情,共增十二例確診、五校的班級停課;市長柯文哲昨於防疫記者會上表示,此波疫情不容樂觀,防疫也比想像中困難,國民要有心理準備,評估疫情持續延燒兩個月後將達頂峰。8學生確診 再增5校班級停課北市副市長黃珊珊指出,昨日北市新增一百例本土確診中,有廿四例屬於「陰轉陽」,另有兩起分別位於信義區與中山區的酒店公關KTV群聚案,已累計廿六人染疫;校園方面,信義、大安、內湖區再有八名國小學生確診,中山區某幼兒園則增四例,昨再添五校的班級停課。
七大類場所酒店經紀消費者須打3劑疫苗黃珊珊說,針對酒店工作KTV外的舞廳、舞場、坐檯小姐、酒家酒店上班、特種咖啡茶室、夜店、三溫暖等七大類場所展開嚴格稽查,相關酒店應徵工作人員須接種三劑疫苗、四月卅日前每週加做快篩,消費者則須提供接種三劑疫苗證明才可入內消費,若業者酒店小姐違反防疫規定,每次罰款從三千元至一.五萬元不等,超過四次則連續開罰一.五萬元,而北市府自上週五開始針對七大類場所稽查五十五次,目前查無違規。
柯:若未來單日確診人數超過130例 染疫者須留置家中
柯文哲則再度重申,台灣已打開邊境,要做到清零便已不可能,須研究如何以最低社會成本與病毒共存,因此北市自四月起便鼓勵居家隔離者在家隔離,並將加強版酒店上班防疫專責旅館擴增至一千三百床用以收治確診者,但若未來單日確診人數超過一百卅例,則確診者就須留置家中。
柯文哲說明,北市加強版防疫專責旅館配有醫護、血氧機、監視器,若每日新增確診數在一百卅例以下,則能提供較佳照護效率,但病例若太多,則須留置在家,而北市也採取遠端視訊醫療做為配套作法,自今年一月一日起至四月五日已服務八百廿九人次,本週將全面建置網路虛擬醫院系統,加速規劃在家照護。黃珊珊補充,居家檢疫、居家隔離、甚至日後確診留在家中的民眾,可能有人有慢性病用藥需求,經與台北市藥師公會討論後,會與中央請求延長健保卡過卡時間,使民眾能事後補過卡,解決送藥問題。北市疫苗系統開放預約 18至24日接種
此外,確診人數增加,疫苗打氣也隨之提升;副市長蔡炳坤指出,六十五歲以上長輩接種疫苗可獲一千元禮券的優惠措施可見成效,上路以來約催出一萬多人前來接種,另,今起北市疫苗系統開放預約四月十八至廿四日的疫苗接種,此次約提供近九萬劑量能,鼓勵市民多加利用。
柯文哲再強調,此波疫情不容樂觀,因應防疫也比想像中的困難,儘管盡可能透過疫調封鎖、控制,但病毒已進入社區,確診案例必會持續上升,若借鏡鄰近國家疫情發展態勢,預計台灣將在兩個月後達到疫情頂峰,呼籲民眾以審慎態度、放鬆心情做好防疫工作。