- 14.7.08 18:34
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"Traditionally, Fannie had required the mortgages it purchased to be so-called 80/20 mortgages wherein the borrower puts at least a 20% down payment on the mortgage. This was a requirement because residential mortgages in the US are a “no-recourse” loan in which the borrow can generally “walk away” from the loan with no recourse to the lender other than seizing the house and reporting the default to a credit agency. A 20% down payment was generally thought to be enough to dramatically limit the moral hazard of borrowers “walking away” because housing values would have to decline 20%+ for the borrower to be underwater and even then the borrower would still face the prospect of losing their own sunk capital which makes walking away even more difficult from a psychological perspective." [via philg]
Un mums te 10% pirmo iemaksu atcēla. Tak vajadzētu lai [hipotekārajam kredītam] ir 20% pirmā iemaksa, vispār! Viegli pieejams kredīts tikai kropļo tirgu: cenas skrien debesīs.
Savukārt tie, kas sagrābušies tos sūda kredītus dzīvoklīšiem vecās bloku mājās, būtu vnk jāinformē banka lai iet to dzīvokli savāc atpakaļ. Kad tev no pamatsummas ir tikai kādi 3-5% atmaksāti, tev pašam zaudējums ir nieka kapeikas; droši atstāj lai banka pati izsmeļ sūdus ko savārījusi milzu kredītus dāļādama par nevērtīgu segumu.
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