【晚約】銀行VP的解釋

“Our policy change is the direct result of current economic conditions.  With unemployment at over 20% and GDP expected to decline over 30% in the second quarter of 2020 we anticipate a decline in residential property values.  In the last recession, unemployment and GDP numbers were not nearly this bad and residential values declined over 30%.  Keep in mind that this policy change will not be forever – if the economy can rebound in the second half of 2020 we will likely go to higher LTV’s. ”

以上是我們做商貸的銀行VP的回複，因為我抱怨他們突然改了POLICY，先斬後奏，max LTV從80%改為70%。這一下子把我們的購買力砍掉了1/3.

今天的過戶會上，我抓住機會又聊了聊。VP的觀點除了一朝被蛇咬，十年怕井繩。一個重點是大多數民居買家的DOWNPAY是3-5%，這個數字是可怕地低，如果房價打9折，這些人就會很輕鬆地WALK AWAY。那麽市價掉下來，我們做民居投資房的地主，手裏的投資房市價當然也會同樣遭殃，“城門失火，殃及池魚”。因此，他們是未雨綢繆，趕緊備戰備荒。