Home Loans
Re-thinking Collateral
(presented by www.refinance-refinance.net - mortgage lenders)
By Luigi Frascati
Did you take a close look at your banker, lately? Did you notice how skinny he or she has become? That is because, following the spike of house prices and the subsequent downturn in Real Estate, the carnivores have had a real hard time finding new flesh to feed upon. Things, however, seem to be changing now. As property values have risen dramatically in recent years and the pool of buyers ready, willing and able to purchase real capital assets has dwindled, lenders are beginning to re-think collateral.
Financial theory postulates that it makes little sense for market participants to borrow a lot to invest on a single assets class. But this is exactly what homeowners, investors and speculators in real estate markets all across North America and Europe had to do as a direct and proximate result of rising property values. High prices in many nations have forced many buyers to take on debts that are substantial multiple of their incomes. This has turned houses for most homeowners not only into their biggest single financial asset, but also into their biggest single financial liability as well.
This package comes in two versions: the first includes a
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