tailieunhanh - Riding the Waves of Culture Understanding Diversity in Global Business 3E_6

Tham khảo tài liệu 'riding the waves of culture understanding diversity in global business 3e_6', kinh doanh - tiếp thị, quản trị kinh doanh phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả | A Failure of Capitalism lender for candid warnings about the likelihood and consequences of a default. But I am guessing that in most cases he has at least a rough idea of the risk and is quite willing to chance it. There is nothing irrational about stretching to buy a house in a neighborhood with good schools so that your kids can get a better education. I would not expect the cognitive quirks that have been shown to influence the stock market to be as significant when a person is deciding whether or how much money to borrow and on what terms though fraud and simple ignorance are doubtless factors. In the second type of risky home-buying behavior a person who currently rents rather than owns his residence and has poor credit buys a house with little or no down payment and a fat mortgage with an adjustable interest rate perhaps it is fixed for the first two years at a below-market level and will be reset at the market level at the end of that period. If the value of the home rises the buyers equity in the home will increase reducing the lenders risk. Suppose the buyer paid 500 000 with a 100 percent mortgage and two years later the house is worth 750 000. The mortgage will now be equal to only two thirds of the value of the house actually even less if the buyer has paid 102 The Underly ing Causes back some of the principal during those two years. The reduction in the lenders risk brought about by the borrower s having acquired an equity interest in the house cushioning the lender against loss if there is a default and default is now less likely will cause the interest rate to be reset at an affordable level or enable the homeowner to refinance the mortgage at an affordable level in either event he will have made a successful investment. If instead the value of the house remains flat or declines the owner can abandon it and return to rental housing. It is true that he will owe the unpaid balance of the loan and this means in most states that the mortgagee will be .

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