<b>Patrick (Housing Crush) - 꼭 읽어세요!</b>
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작년에도 한번 올린적 있는데, 알고있는 내용도있지만 그래도 구체적으로 조목 조목 잘 설명 되어있어서 참고가 될겁니다.
이글 보면 주택구입 더욱 갈등 생깁니다.
http://patrick.net/housing/crash.html
8. Extreme use of leverage. Leverage means using debt to amplify gain. Most people forget that losses get amplified as well. If a buyer puts 10% down and the house goes down 10%, he has lost 100% of his money on paper. If he has to sell due to job loss, he's bankrupt in the real world. Even a small price decline will bankrupt buyers with small equity. Buyers foolish enough to buy with no money down are already bankrupt, but still unaware of the fact.
House prices do not even have to fall to cause big losses. The cost of selling a house is six percent. On a $600,000 house, that's $36,000 lost even if prices just stay flat.
이글 보면 주택구입 더욱 갈등 생깁니다.
http://patrick.net/housing/crash.html
8. Extreme use of leverage. Leverage means using debt to amplify gain. Most people forget that losses get amplified as well. If a buyer puts 10% down and the house goes down 10%, he has lost 100% of his money on paper. If he has to sell due to job loss, he's bankrupt in the real world. Even a small price decline will bankrupt buyers with small equity. Buyers foolish enough to buy with no money down are already bankrupt, but still unaware of the fact.
House prices do not even have to fall to cause big losses. The cost of selling a house is six percent. On a $600,000 house, that's $36,000 lost even if prices just stay flat.
작성일2006-05-07 10:36
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