How 100 per cent mortgages may function in the post-financial crisis world
Mortgage Solutions | June 9, 2023
Rajul Sood, Managing Director and Global Head of Lending Services, Acuity Knowledge Partners recently shared her expert insights with Mortgage Solutions. According to her, in countries with stricter lending standards and stronger regulatory frameworks, such as the UK, the Netherlands and Germany, highly leveraged residential loans may be less risky. However, in countries with weaker regulatory frameworks, these loans could pose a greater risk to the financial system. It is important to consider the potential risks and benefits of these loans before taking one out.
‘Excessive leverage creates subsequent risks, which if realised, could lead to economic consequences such as reduced credit availability, dampened housing market activity and a potential negative impact on consumer spending and investment’, she adds.
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