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发表于 2015-7-13 08:43
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cyvs 发表于 2015-7-13 07:20
Do you have a house loan? Are you sure there is no margin call in housing loan? May be you shoul ...
I have a mortgage loan but i dont read every page of the contract. Maybe you are right there is margin call on the mortgage loan but i did a google search and there is little information about that. I can imagine if you have an investment property as collateral, you are more likely to get a margin call from your creditor. Because the probability of selling the investment property is greater when prices are down and if the sale price is lower than the loan amount at the time of sale, the borrower will either default on the principle or contribute equity to repay the loan. But when its ur primary residence, the primary risks that the creditor faces is default on the interest payment and reinvestment risk. borrower is less like to sell their primary residence when the market is down so less risk to default on the principle. |
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