Sushi Money 寿司的钱

  So the FDIC Chairman is advocating freezing ARM rates for mortgage borrowers who are in trouble?  Wow…  I have to say I have very mixed feelings about this proposition.  Especially since the percentage of mortgage borrowers in trouble is very small compared to the mortgage spectrum across the nation.  What signal are we sending to lenders and borrowers if we travel down this road? â ，使联邦存款保险公司主席是主张冻结手臂利率按揭的借款人是在谁的麻烦？ â哇… â我必须说我有非常复杂的感受，这proposition.â以来，特别是百分比的按揭借款人的麻烦是非常小的比较该mortgageâ频谱全国nation.â什么信号是我们发送到贷方和借方，如果我们的旅行这条路？

“Keep it at the starter rate. “保持它在精简率。 Convert it into a fixed rate. 它转换为固定利率。 Make it permanent. 使永久性的。 And get on with it,” Federal Deposit Insurance Corp. Chairman Sheila Bair said in prepared remarks at an investor’s conference. 并获得上有了它， “联邦存款保险公司董事长许淑拜尔说，在准备的发言在一个投资者的会议。

   In many ways that does not seem fair at all to millions of homeowners and mortgage holders that prudently shopped for their loan and took out more appropriate loan terms, most likely with higher interest rates.  For example, let’s say borrower #1 found a really big house for $450,000 (that they shouldn’t have been purchasing), and took out an ARM with a low teaser rate for 1-3 years.  Now they’re in trouble making payments.  Borrower #2 bought a house at the same time, but realized they couldn’t afford such a large mortgage, and didn’t want to take the risk of an ARM with potentially higher rates in the future.  They would have loved that $450,000 house… but they could only afford a $300,000 house with a higher fixed rate loan.  They continue to make their payments at the higher fixed rate, and are somewhat mystified that those who got low rate teaser ARM loans might now be rewarded and get their loans converted to fixed rate loans, maybe even at lower rates?   So what kind of incentive is that for people to make prudent decisions in the future?  What does that say to future potential homeowners and mortgage borrowers?   I think it says to do whatever the heck you want and you don’t have to worry about the financial consequences.  Which is absolutely wrong of course. â â在许多方面似乎没有公平，在所有数以百万计的屋主和按揭贷款持有人谨慎购物，为他们的贷款，拿出更合适的贷款条件，最有可能与较高的利息rates.â例如，假设说，借款人＃ 1 ，发现一个真正的大房子，为四十五点零零零万美元（即他们不应该已购买） ，并拿出一个ARM与低挑逗率为1-3 years.â他们现在有麻烦，使payments.â借款人＃ 2买一所房子在同一时间内，但意识到他们无法负担如此庞大的按揭贷款，并没有要考虑的风险的一个分部，与潜在的高利率，在future.â他们会喜欢这四十五点〇 〇万美元房子… …但他们只可以负担得起三十〇点○○万美元内务具有较高的固定汇率loan.â他们继续作出自己的支付较高的固定利率，并有点大惑不解，那些谁获得低利率贷款挑逗手臂现在可能得到回报，并得到他们的贷款转换为固定利率贷款，甚至以更低的利率？ â â ，所以什么样的诱因，是为人民作出审慎的决定，在未来的呢？ â这代表了什么说，未来潜在的业主和抵押贷款的借款人？ â â我认为它说为所欲为该赫克你想和你不用担心财政consequences.â ，这是绝对错误的，当然。

    I think people who have made prudent decisions have a right to wonder about this.  Some of the least appropriate lending decisions and home buying decisions have been made by people who misrepresented both income and their ability to repay a loan.  Perhaps unintentionally for many people as well.  But now that real estate has dropped in value for many homeowners, why is it in the nation’s best interest to reward those who put themselves in this situation?   I’m really kind of curious as to what most people think.  Am I off base?  Someone please explain it to me… â â â我认为，人们谁作出审慎的决定，都有权质疑this.â的一些最适当的贷款决定和置业的决定已作出的人谁歪曲了双方的收入和他们的还款能力1 loan.â â perhapsâ有意无意地对很多人来说，作为well.â ，但现在房地产下跌，在价值为许多业主，为什么它在该国的最佳利益，以奖励那些谁把自己在这种情况下呢？ â â我真的种好奇的，以什么最广大人民think.â â上午iâ小康基地？ â有人请你解释给我…

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