| The value of an average house in the UK has been | | | | The government do not have the confidence in the |
| decimated over the last couple of years and there | | | | top management of the financial organisations and |
| seems no end in sight to the current downturn that we | | | | their support staff who after all were one of the |
| are in. Many people including home owners, landlords, | | | | potential reasons why we are in this mess. |
| estate agents, insurance companies and estate agents | | | | Until confidence returns then house prices will continue |
| are all asking the same question; when will all of this | | | | to fall. So how long will it take for this confidence to |
| doom and gloom end? | | | | return? Well I personally believe that it will not be until |
| Confidence is the key in my humble opinion. At the | | | | the end of 2010. Yes that may seem like a long way |
| moment banks and building societies do not have the | | | | away but we are in a big mess and it will take a brave |
| confidence to lend money whether it is for the | | | | government to take the huge step that will start to |
| purposes of a commercial or personal loan. Many well | | | | solve this massive downturn. What huge step is that? |
| run small businesses have gone to the wall through | | | | Well the main problem is due to the lack of credit, |
| being unable to gain the credit they require, this in turn | | | | what is the point of bailing out the banks to the tune of |
| results in people losing their jobs. | | | | millions if they then are unwilling to lend the money? |
| The general public do not have the confidence to | | | | None whatsoever. The answer is for people and |
| spend their hard earned money as they are panicking | | | | businesses to be able to go direct to the government |
| about the future. The public do not have the | | | | to borrow the money, the government will underwrite |
| confidence in the banking sector and are therefore | | | | the loans etc. |
| stashing the cash under the bed, just like the old days. | | | | |