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Strategies & Market Trends : BAK - Investing
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To: normlasky who wrote (2652)5/14/2012 9:48:29 AM
From: hdl   of 3249
 
Re: JPM

it is getting better. largely because of write offs and not adding to debt.

" all" column - first column is still over 1%. it has been over 1 % for almost 4 years. this is main reason why ratio of debt to assets is down. here you show commercial banks. creditors, such as commercial banks,have taken a hit - so debt is down. it isn't so much that people have paid down debt.

media claims banks have tough lending standards now. they don't. the average downpayment on purchase of a house with a mortgage is about 8%. and this is after the mortgage crisis - with so many in default. it should be that minimum payment is 20% and average much higher.

interest rates on mortgages, student loans, car loans are ridiculously low.

based on low downpayments and low interest rates, we have high affordability. actually prices of homes are still too high if proper downpayment and interest rates were in effect. of course, banks get money extremely cheaply and savers are paid virtually nothing on savings accounts, money markets, cds.
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