"The huge number of aspiring homeowners will never be able to find this kind of deposit, " said Neil Ryner, director of the property finance group, Ryner and Partners.
It has also affected confidence among mortgage borrowers, the ability of companies to borrow against property to finance investment, and the ability of property developers and speculators to repay their existing loans.
Much of the weakness, particularly in Spain, is down to struggling firms in property and finance, which suggests that the credit crunch and the deflating house-price bubble are taking a broader toll.
Deposits are still too short-term to allow banks to finance many property loans of 15 years or more, and finance is still too expensive for the mass of poor Brazilians who need it most.
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As the longest serving General Manager of the largest Yahoo media property, Yahoo Finance, my experience informs my perspective.
Key to the turnaround was the assiduous courting of business, especially industries that create local wealth, such as tourism, media, property and especially finance.
And John Townley-Johnson, chief executive at Houses for Africa, a South Africa-based property development and finance company, travels from South Africa to the University of Chicago's London, Singapore or Chicago's campuses every six weeks.
Italians are good savers and government tax receipts not too dependent on finance or property.
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Yet in Saudi Arabia, official statistics indicate that just 5% of Saudis working in finance and property are female.
Bakrie-controlled companies cover the breadth of Indonesia's economy, including mining, oil and gas, palm oil, property, telecommunications and finance.
He was director of Finance and Property Services, HM Household, from 1990-96 and Keeper of the Privy Purse from 1996-2002.
But research by the Association of London Government shows that property companies are providing finance to help people buy their houses.
These activities, says Catherine Atkinson, the property manager, help to finance the main conservation task.
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The cheaper real cost of finance encourages more property buying.
Finance gushed into property and consumption rather than productive investment.
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Among the services they plan to transfer to IPE, are information technology, human resources, property services, facilities management and finance.
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The firm focused on a number of specialist sectors, including property, renewables, construction, finance and waste with offices in Glasgow, Edinburgh and Manchester.
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Since more than 10% of the workforce of the San Francisco peninsula is employed in finance, insurance and property, more such consolidations could have a huge impact on the local economy.
Much of this informal finance is either secured against property or invested in it.
Nama proposes to offer up to 70% finance to purchasers of commercial property under the control of the agency or receivers appointed by it.
Although this is a race for the United States Senate, his platform focuses on local issues: bringing new businesses to the state and attacking a 1997 property-tax law intended to help finance better public education.
At that time, a Department of Finance and Personnel report said falling property prices made the scheme unviable.
It is jointly owned by UK property management companies Hermes Property Asset Management and Prudential Property Investment Managers, who were due to finance the project.
This suggests one way to reduce the risk of a property bubble: rely less on bank debt to finance construction, and more on equity.
Even Thailand, the model patient, has still not made great progress in selling off the bad assets of closed finance companies, which might allow the glutted property market to clear.
Northern Europe has the edge, thanks to an inviting combination of less bureaucracy, a more developed legal system, better accounting systems and easier ways to transfer intellectual property, says Marco Da Rin, associate professor in finance at Tilburg University in the Netherlands.
Ms Ritchie said she had already made representations to the finance minister but was told that rates are a property tax and not for additional services.
Cuts are also proposed in the council's finance, personnel, legal, procurement and corporate property departments, with staff being moved into the Town Hall extension, which is undergoing refurbishment.
Combined with the bank's takeover of Malaysia's biggest finance company, the decision highlighted the extent to which property developers have over-built.
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