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枫下家园 / 枫下觅巢 / Debt To Income Ratio达到了170%, 在加拿大啥意思?
-songlin(松林);
2017-12-27{421}(#11259394@0)
The Vanier Institute of the Family measures debt to income as total family debt to net income. This is a different ratio, because it compares a cashflow number (yearly after-tax income) to a static number (accumulated debt) - rather than to the debt payment as above. The Institute reported on February 17, 2010 that the average Canadian Family owes $100,000, therefore having a debt to net income after taxes of 150% [4]
I can't tell you how to adjust your model, just study the link provided above
-guojiefan(guojiefan);
2017-12-27(#11259730@0)
As one study notes about the frequent alarm raised by household debt: “If the headline that ‘household debt has hit a record level’ seems familiar, it is because it has been true for every year but one over the last half century”
-guojiefan(guojiefan);
2017-12-27(#11259736@0)
任何家庭从银行申请贷款的时候,银行都会评估其Debt Service Ratio,也就是monthly total debt payment/monthly total income。这个比例,是不可以超过42%的。家家猫,你给解释一下,如果你家的这个ratio居然是170%,银行如何会给你家批贷款呢?
-songlin(松林);
2017-12-27(#11259562@0)+2
This is common sense: most people manage the debt properly, if not , they go bankrupcy. If total income including investment income, rental income is not able to cover the debt payment, and such situation last for 3 months, then in big trouble
-guojiefan(guojiefan);
2017-12-27(#11259874@0)
FRED doesn't include debt to income ratio in the Housing factor, this DTI is not relevant to Housing. For your model, should refer to FRED data
-guojiefan(guojiefan);
2017-12-27(#11259842@0)
This is common sense: most people manage the debt properly, if not , they go bankrupcy. If total income including investment income, rental income is not able to cover the debt payment, and such situation last for 3 months, then in big trouble
-guojiefan(guojiefan);
2017-12-27(#11259897@0)
He claims he study economic, he builds model to predict housing price, and he ignores the fact that FRED doesn't treat debt to income ratio as relevant to housing.
-guojiefan(guojiefan);
2017-12-27(#11259886@0)
I wish he know what FRED data value in economist circle
-guojiefan(guojiefan);
2017-12-27(#11259887@0)
FRED data portal provides 507000 US and international time series from 87 sources.
-guojiefan(guojiefan);
2017-12-27(#11259898@0)+1
If you ever study debt to income ratio in UK , you will notice that number is dropping in last 7 years, however, property price go up in that period. That prove debt to income ratio is not relevant to housing.
-guojiefan(guojiefan);
2017-12-27(#11259878@0)