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Pastimes : Clown-Free Zone... sorry, no clowns allowed
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To: Ilaine who wrote (108279)6/12/2001 10:30:44 PM
From: Mark Adams  Read Replies (1) of 436258
 
Table 796
Breaks down debt payments by age and household income. Typically, 10% of debtors run with a debt to income ratio of 40% or more.

Table 817
Median Credit card balance, 1998 $1900
Percent who almost always pay off the balance, >50%

Table 814
Mortgage deliquency rate running 4% during the 90s

Table 812- Equity debt and lines of credit; must be added to table 811 to get a true picture of home equity debt. But some securitized home equity is included in 811,
making it difficult to say with any assurance that a clean number could be found.

Reviewing these tables suggests a 'residential nonfarm' equity value for real estate would be required to calculate %homeequity, as otherwise, commercial, multifamily and
farm might skew the results. Then again, residentail nonfarm does account for 81+% of mortgage debt per 811, so maybe the impact is negligible.
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