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What's the household leverage ratio there in US? That in CN is 72% in 22Q1, and even bigger in big cities. Edit: CN definition: (household leverage ratio) = (m
by ganyu 4y ago
What's the household leverage ratio there in US? That in CN is 72% in 22Q1, and even bigger in big cities.
Edit: CN definition: (household leverage ratio) = (mortgages paid in 22Q1) / (total disposable income in 22Q1)
- HPsquared 4y agoWhat ratio is that measuring, loan-to-value or loan-to-income? In the UK at least, a buyer can borrow up to 95% of the home's value and I think 4 or 4.5x the borrower's annual income.
- ganyu 4y ago+HPSquared For total value it's up to 80%, and when comparing to income you can borrow up to 50% of the (before tax) monthly income, for up to 30 years.