Mittwoch, 22. August 2007

Hypothekenblase für Dummies

Lender: „This is America! Everyone deserves a break, a second chance, a piece of the pie. I don’t even want to know the details. Do you have a dollar in your pocket?

Borrower: „Sure!“

Lender: „That’s your down payment! Simple as that. Now, how big a mortgage do you want?“

Borrower: „Uh, $200,000?“

Lender: „Two hundred K? In this market? Are you kidding? Let’s make it 600 K. You can get a nice little starter house in a marginal neighborhood for that. And here’s the best part: For the first year, your payments are only $49.95 a month. After that, rates and payment schedules change, but that’s a whole 12 months away and in between, you’ll be the envy of your friends. Shake, partner.“

Now, who on God’s earth thought that was a good idea? Couldn’t even the dullest adult (like, say, me) see disaster coming a mile away? It did not take a particular kind of genius to forecast despair and heartbreak.

Quelle: Jon Carroll

Schön, dass Häuslebauer/-käufer in der Schweiz in den weitaus meisten Fällen mindestens 20% des Kaufwertes auf dem eigenen Bankkonto liegen haben müssen. Das nennt man … „Sicherheit“.

Labels: USA, Wirtschaft

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