• Borrowers 'should be forced to save for a deposit'
• Fears that lending at high loan-to-value ratios may return
www.guardian.co.uk/business/2010/mar/17/turner-mortgage...
FSA proposes 'maximum limits on loan-to-value ratios'
The Financial Services Authority (FSA) has indicated that restricting mortgage rates could help prevent a boom-and-bust culture in the housing market.
FSA Lord Adair Turner proposed introducing "maximum limits on loan-to-value ratios" to curb asset price bubbles in commercial or residential real estate.
However, the suggestions have come into criticism from Bernard Clarke, communications manager for the Council of Mortgage Lenders.
...
Data from Mortgages.co.uk recently showed that before the recession, a number of mortgage lenders, including Alliance & Leicester and Northern Rock, offered 125 per cent mortgages.
etc...
www.aboutproperty.co.uk/news/fsa-proposes-maximum-limits-on-loan-value-ratios--$136...
ps
e dai che i regulators forse intervengono.....
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