Preso dal Wall Street Journal di oggi;
online.wsj.com/article/SB119205925519455321.html
qualcuno mi spiega il meccanismo di questo esempio? Come è possibile che il tasso variabile di un mutuo subprime passi dal 8 al 14% in un anno? E'una rapina! Cosa avrebbe perdono tutti la casa!
Last September, Darla Ball, a printer and copier saleswoman, purchased a $460,000 home in Las Vegas using an adjustable-rate subprime loan with an initial rate of 8.2%. At the time, she says, she expected to refinance before her interest rate resets to 14% next year, which will raise her monthly payments to $8,000 from $3,700. But in the past year, she says, prices of comparable homes in her subdivision have fallen to $310,000, which means she would not qualify for a new $460,000 mortgage, unless home values go back up to that level, an unlikely scenario. She says she has stopped paying her mortgage and is trying to negotiate with her lender. "I'm going to lose my home anyway," she says, "so why pay?"