Mortgage Arrear May 2017

stevenhu

标准普尔统计的5月RMBS (residential mortgage backed security)的违约率 30天 60天 90天
Loc doc loan的违约率飙升，但是占的比例很小
regional bank的违约率在百分之二左右，风险稍高
总体违约率低于1.5%低于2011到2012水平，整体仍然很低
RMBS虽然不是房贷融资的主要手段，但是也有一定的参考价值

stevenhu

Low Doc home loans are often perceived as higher risk by the lenders, because the income of the borrower cannot be substantiated by conventional means. As a result, a Low Doc loan would usually have a higher-than-average interest rate; plus more limitations in terms of the maximum Loan to Valuation Ratio (LVR), available loan features and package discounts.

A self-employed borrower would typically need to provide proof of income using a combination of the following:

Proof of ABN and/or GST registration
Business Activity Statements (BAS)
Business Account transaction statements
Accountant's letter
Personal tax returns

114890015

一切还要看利率走向，如果加息幅度有限，违约率不会有很大变化。