What set off this discussion was a claim that the Chinese economy began to take deleveraging seriously in I was far more skeptical than some others about how to interpret this data. It is not just the quality of data collection that worries me, but, more importantly, the prevalence in China of systemic biases in the way the data is collected. Not all debt is included in TSF figures.
The no mortgage myth: Free and clear homeowners. New trend or old news? In 39 percent of Americans owned their home with no mortgage versus Over 34 percent of those 20 to 24 own their home free and clear?
One of the oddest pieces hitting my e-mail box in the last few days is regarding an analysis of homeownership and the number of Americans that supposedly own their homes free and clear.
The slant is odd because Americans are massively in debt with mortgages and more have gone into deep debt with FHA insured loans that require only 3. These loans went from a tiny portion of the market to a dominant force over the last five years.
The research starts out by pointing out that nearly 30 percent of Americans own their homes free and clear.
In fact, in the rate was 30 percent and in and it was at 35 percent, in it was 39 percent, and in it was up to 42 percent. Of course none of this is listed in the analysis because hey, everyone owns their home free and clear right?
In fact, the official figure is The numbers are what they are but it is interesting how people viewed this as some kind of dynamic shift.
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Let us dig into the actual figures. Owned free and clear First, let us examine the actual figures from Census data.
How many people really own their homes free and clear? To the contrary, the vast majority of Americans have been going deeper and deeper into debt to own homes: Households have very little equity because that has been the trend. Think of FHA insured loans that provide a stunning 30x leverage and will put homeowners in an immediate LTV position above 95 percent.
If you look at the above chart you will find that actually, Americans are mortgaged to the hilt at least your typical home buyer. In the next few years, we may see a push up in the free and clear figure thanks to the large number of all cash investors.
However, the articles on this try to make it appear that suddenly a new wave of upper-middle income people are buying properties thanks to a sudden turn in the economy. The biggest stretch comes from pointing out the number of young homeowners who own a home free and clear.
Homeownership by age The research concludes that Where did all these rich young adults come from?DEBT VERSUS EQUITY FINANCING PAPER 2 Debt Vs Equity Financing Paper The most vital thing a business needs to start, run, and survive is capital.
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Do high levels of public debt reduce economic growth? This is an important policy question. A positive answer would imply that, even if effective in the short-run, expansionary fiscal policies that increase the level of debt may reduce long-run growth, and thus partly (or fully) negate the positive effects of the fiscal stimulus.
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