Jurriaan Bendien wrote:

> ... But surely ordinary people don’t do much financial leveraging and
deleveraging.<

It's pointless to quibble about the meaning of terms. But in the US the
housing bubble was partly based on "low money down" mortgages (leveraging),
while after its popping, we see a cut-back in consumer borrowing combined
with efforts to pay off or get out of existing debt (deleveraging).

> ... The only thing most people can usually do, is use their
owner-occupied home as a collateral and realize a capital gain from that,
for example, by raising loans based on the increased value of their home in
a booming housing market.... <

exactly.
-- 
Jim Devine /  "Reality is that which, when you stop believing in it,
doesn't go away." -- Philip K. Dick
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