【晚约】银行VP的解释

“Our policy change is the direct result of current economic conditions.  With unemployment at over 20% and GDP expected to decline over 30% in the second quarter of 2020 we anticipate a decline in residential property values.  In the last recession, unemployment and GDP numbers were not nearly this bad and residential values declined over 30%.  Keep in mind that this policy change will not be forever – if the economy can rebound in the second half of 2020 we will likely go to higher LTV’s. ”

以上是我们做商贷的银行VP的回复，因为我抱怨他们突然改了POLICY，先斩后奏，max LTV从80%改为70%。这一下子把我们的购买力砍掉了1/3.

今天的过户会上，我抓住机会又聊了聊。VP的观点除了一朝被蛇咬，十年怕井绳。一个重点是大多数民居买家的DOWNPAY是3-5%，这个数字是可怕地低，如果房价打9折，这些人就会很轻松地WALK AWAY。那么市价掉下来，我们做民居投资房的地主，手里的投资房市价当然也会同样遭殃，“城门失火，殃及池鱼”。因此，他们是未雨绸缪，赶紧备战备荒。