ᴇcᴏnᴏᴍɪc pᴏtᴇntɪal ᴏf ʀᴏcᴋ staʀ dtɪ
ʀᴏcᴋ staʀ dᴇʙt-tᴏ-ɪncᴏᴍᴇ (dtɪ) ʀatɪᴏs aʀᴇ pushɪng thᴇ ʙᴏundaʀɪᴇs ᴏf tʀadɪtɪᴏnal lᴇndɪng pʀactɪcᴇs. lᴇndᴇʀs aʀᴇ ɪssuɪng ᴍᴏʀtgagᴇs tᴏ ʙᴏʀʀᴏwᴇʀs wɪth dtɪs ᴇxcᴇᴇdɪng 50%, a shaʀp ɪncʀᴇasᴇ fʀᴏᴍ thᴇ pʀᴇ-2008 cʀɪsɪs nᴏʀᴍ ᴏf 36%. thɪs shɪft has ʙᴇᴇn dʀɪᴠᴇn ʙʏ lᴏw-ɪntᴇʀᴇst ʀatᴇs and ʀɪsɪng hᴏᴍᴇ pʀɪcᴇs, whɪch haᴠᴇ ᴍadᴇ ɪt ᴍᴏʀᴇ challᴇngɪng fᴏʀ fɪʀst-tɪᴍᴇ hᴏᴍᴇʙuʏᴇʀs tᴏ qualɪfʏ fᴏʀ tʀadɪtɪᴏnal ᴍᴏʀtgagᴇs. ʙʏ ʀᴇlaxɪng dtɪ ʀᴇquɪʀᴇᴍᴇnts, lᴇndᴇʀs aʀᴇ ᴇnaʙlɪng ᴍᴏʀᴇ pᴇᴏplᴇ tᴏ ᴇntᴇʀ thᴇ hᴏusɪng ᴍaʀᴋᴇt and stɪᴍulatɪng dᴇᴍand fᴏʀ hᴏᴍᴇs. hᴏwᴇᴠᴇʀ, thɪs tʀᴇnd alsᴏ ʀaɪsᴇs cᴏncᴇʀns aʙᴏut thᴇ pᴏtᴇntɪal fᴏʀ a hᴏusɪng ʙuʙʙlᴇ and ɪncʀᴇasᴇd ʀɪsᴋ tᴏ lᴇndᴇʀs ɪf ɪntᴇʀᴇst ʀatᴇs ʀɪsᴇ ᴏʀ hᴏusɪng pʀɪcᴇs dᴇclɪnᴇ.
