미국은 그렇다 치고, 우리는 어떤 옵션이 있을까? ㅋ
미국인들, 작년 집 사느라 1천900조원 빌렸다..역대 최대
강건택 입력 2022. 01. 02. 01:55 댓글 41개
https://news.v.daum.net/v/20220102015505232
미국인들, 작년 집 사느라 1천900조원 빌렸다..역대 최대
(뉴욕=연합뉴스) 강건택 특파원 = 미국인들이 작년 한 해 동안 집을 매수하기 위해 1조6천100억 달러(약 1천917조원)의 주택담보대출(모기지)을 받았다고 월스트리트저널(WSJ)이 1일(현지시간) 모기
news.v.daum.net
차이나김 8시간전
그래서 결론은 ? 뮐 주장 하시는거죠?
- Step back 6시간전
- 뭘 주장해? 문맹이냐?
- 못 배운 티를 정교하게도 낸다~~
ㅋㅋㅋ
아래의 기사를 읽어보면, 미쿡 모기지론 체납자들에게 어떤 옵션이 있는지를 잘 알려주고 있네... 링크 타고 가서 살펴보면, 미쿡 재무부의 Homeowner Assistance Fund 까지 가게 될텐데... 여기서 이 기금에 대한 안내문까지 살펴보면 대충 답이 보이거든... 그러면, 우리나라는 어떤 옵션을 택할 수 있을까... 물린 사람들...
Covid mortgage bailout is expiring. Here’s what to do if you still can’t pay
PUBLISHED MON, DEC 6 20212:24 PM EST
Covid mortgage bailout is expiring. Here's what to do if you still can’t pay
As Covid mortgage relief expires, many Americans still can’t afford monthly payments. Here are options for cash-strapped borrowers to consider.
www.cnbc.com
Covid relief programs allowed millions of struggling Americans to pause mortgage payments, and many of those bailouts are now expiring, putting cash-strapped borrowers at risk.
“The maximum forbearance term was 18 months for most programs,” said Michael Fratantoni, chief economist of the Mortgage Bankers Association. “And many borrowers are reaching that point now.”
While many are leaving forbearance programs by tacking those postponed payments onto the end of their loan repayment schedule, borrowers must resume payment to qualify, he said.
However, if homeowners still can’t make payments, they may have other options.
“You should definitely talk it over with your servicer,” said Mark McArdle, assistant director of mortgage markets at the Consumer Financial Protection Bureau. “They’re supposed to reach out 30 days before your forbearance ends, and there’s a range of options.”
Borrowers may also speak with a counselor approved by the U.S. Department of Housing and Urban Development for independent guidance, he suggested.
Loan modification
If borrowers have income but can’t afford their old payment amount, they may qualify for a loan modification, which adjusts the mortgage to lower monthly payments.
“If you expect to have difficulty making a payment, reach out to your servicer immediately,” Fratantoni said. “The sooner you get in contact with your mortgage lender, the more options you will have.”
For example, servicers may extend the loan term or reduce interest rates to lower payments, depending on the type of loan and borrower’s situation.
Homeowners can learn more about post-forbearance options by loan type through the Consumer Financial Protection Bureau, which may prepare them for speaking with their servicer.
Sell your home
With home prices up by almost 20% compared to the previous year, borrowers with long-term job loss or a shuttered business may consider selling their property.
Some 87% of borrowers in foreclosure have positive equity, according to RealtyTrac, a foreclosure database, meaning their property is worth more than their mortgage balance.
In many cases, sellers may offload their homes quickly due to high market demand and walk away with cash, Fratantoni said.
“That can be a transition cushion for those who have no income and no prospects,” McArdle added.
Homeowner Assistance Fund
If a loan modification doesn’t work, borrowers may explore the Homeowner Assistance Fund, a nearly $10 billion program created by the American Rescue Plan.
The U.S. Department of Treasury is currently reviewing each state’s plan, McArdle said, and programs may be running by the end of the first quarter in 2022.
While each program is different, many will have options to help borrowers catch up on missed payments, he said, making it easier for servicers to offer solutions.
“That will be another great tool for folks to look at,” McArdle said. “Especially for those who have exhausted everything else.”
Borrowers can find their state’s program through a map from the National Council of State Housing Agencies.
가계의 경우, 일단 투기꾼들부터 잡고 ---> 자산시장에서의 증세 시작, 못버티는 가계는 금융 노예로 전락.
기업들의 경우에는 좀비, 한계기업 정리 ---> 유동성 공급 중단. 못버티는 기업은 정리, 인수합병, 국유화 또는 민영화.
정부의 경우, 각국의 중앙은행에서 1차적 유동성 공급(협의의 MMT) ---> 통화스왑 실시. 못버티는 정부는 IMF에 의한 구제금융 실시... 결국, 연합의 형태로... 가입, 참여...
* 선진국과 더불어 함께 동참해야 되는 각종 규범, 규칙들의 제정 및 시행은 공통
소득에 맞는 생활을 하라고 했고, 개인의 신용등급 유지와 유동성 확보하라고도 했고.......
사기, 조작, 왜곡, 구라, 날조, 뻥질 금지, 그리고 극단적 선택 금지...!!!
으이구~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 쾅 !!!