Last Updated：2022/12/24
You can see it here in mortgages. Low-doc loans used to carry at least 1% or more of risk premium. As everybody [piled] in, that has been driven down to half a percent. These people do not have a verifiable income, and yet you can only expect them to be charged half a percent more on the interest rate.
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You
can
see
it
here
in
mortgages.
Low-doc
loans
used
to
carry
at
least
1%
or
more
of
risk
premium.
As
everybody
[piled]
in,
that
has
been
driven
down
to
half
a
percent.
These
people
do
not
have
a
verifiable
income,
and
yet
you
can
only
expect
them
to
be
charged
half
a
percent
more
on
the
interest
rate.
