Schuldner, die durch Zinsanpassungen auf ihre Hypothekendarlehen in die Insolvenz getrieben werden, stellen bekanntlich eines der Kernprobleme  im amerikanischen Hypothekenmarkt dar.

Alan Greenspan äußerte sich bereits am 23.02.2004 zum Thema Immobilienfinanzierung mit langfristiger Zinsfestschreibung im Vergleich zu Darlehen mit variabler Zinskondition.

“American consumers might benefit if lenders provided greater mortgage product alternatives to the traditional fixed-rate mortgage. To the degree that households are driven by fears of payment shocks but are willing to manage their own interest rate risks, the traditional fixed-rate mortgage may be an expensive method of financing a home. Recent research within the Federal Reserve suggests that many homeowners might have saved tens of thousands of dollars had they held adjustable-rate mortgages rather than fixed-rate mortgages during the past decade, though this would not have been the case, of course, had interest rates trended sharply upward.”

http://www.federalreserve.gov/boardDocs/speeches/2004/20040223/default.htm

Helmut Wüllenweber