Ciekawe ko teraz będzie jeszcze kupował PKO BP?

Rośnie tzw. strategiczne nie płacenie kredytów hipotecznych w Stanach, nie z powodu braku pieniędzy, ale z powodu nabycia zbyt drogich domów, przy spadku wartości domów poniżej kosztów kredytów. Ten proceder będzie nasilał się w części stanów w latach 2.010 - 2.012.
“The number of strategic defaults is far beyond most industry estimates — 588,000 nationwide during 2008, more than double the total in 2007. They represented 18% of all serious delinquencies that extended for more than 60 days in last year’s fourth quarter.”

This number is enormous and we can expect this number to rise. Why? Many of the interest only and option ARM products will start hitting recast dates in 2010 to 2012 that will severely impact borrower’s monthly payment. Many of these loans are far below the current loan modification program caps of being underwater at a ratio of 125 percent or higher. In some case, some of these loans have 150 to 200 percent LTV ratios. That is, someone might have a $600,000 mortgage on a home worth $300,000.

“Strategic defaulters often go straight from perfect payment histories to no mortgage payments at all. This is in stark contrast with most financially distressed borrowers, who try to keep paying on their mortgage even after they’ve fallen behind on other accounts.”

This is probably one of those shocking statistics. How can someone with a perfect credit history go from on time borrower to a strategic default? The answer is simple. For the average American their housing payment, either rent or mortgage, is the biggest line item on their budget. Increase that payment by 50, 60, or even 70 percent and you have a default waiting to happen. Housing makes up 34 percent of consumer expenditures