Home Forums US Life 요즘 모기지 받을 때 DTI기준이 어떻게 되나요? This topic has [3] replies, 0 voices, and was last updated 9 months ago by 글쎄. Now Editing “요즘 모기지 받을 때 DTI기준이 어떻게 되나요?” Name * Password * Email Topic Title (Maximum Length 80) https://www.wsj.com/opinion/bidens-mortgage-relief-fuels-higher-housing-prices-policy-loans-risk-cb0a1974 유료 기사라 저는 볼 수가 없고 다음의 내용이 있다고 동료가 보여줘서 알았네요. In 2007, 35% of new FHA borrowers had debt-to-income ratios above 43%. By 2020, 54% did. As housing prices and inflation surged, borrowers became more stretched. The FHA kept insuring mortgages to borrowers who were increasingly leveraged. About 64% of FHA borrowers last year exceeded the 43% threshold. The FHA loan portfolio is far riskier than it was before the 2008 housing crisis.” About 7.05% of FHA mortgages issued last year went seriously delinquent—90 or more days past when a payment is due—within 12 months. That’s more than at the 2008 peak of the subprime bubble (7.02%). 요즘 DTI 기준이 많이 완화되었나요? 2008년 때보다 더 위험할 수 있는 상황으로 보이네요. The FHA instituted a program that pays mortgage servicers to make borrowers’ missed payments for them. Missed payments are added to the loan’s principal, but without interest. The FHA also pays servicers to cut monthly payments for delinquent borrowers by 25% for three years, with the payment reductions also added to the principal without interest. The FHA made 556,841 “incentive payments” to servicers over the past year to prevent foreclosures—nearly as many as the new mortgages it insured. Government-backed mortgage relief has become a cash cow for servicers, some of which originated the risky loans they are paid not to foreclose. Moral hazard, anyone?" 바이든 정부에서 모기지 페이먼트 못하면 정말 저런 식으로 혜택을 줬나요? I agree to the terms of service Update List
