星洲日報／投資致富‧企業故事
美国拟助低收入家庭置业
38%美国租屋户的租金占税前收入比例超过30%，较2001年高19%，很多人要付半数收入以上租屋，导致他们难以改善生活。
调查显示，38%美国租屋户的租金占税前收入比例超过30%，较2001年高19%，很多人要付半数收入以上租屋，导致他们难以改善生活。
美国联储局理事布雷纳德（LaelBrainard）表示，监管机构必定要修订《社区再投资法》（CRA），以鼓励银行向受高租金困扰消费者伸出援手。
CRA是一条在1977年订立的法例，以替代以往的“红线法”，后者拦阻了有信贷问题的低收入家庭获得融资的机会。
根据CRA，银行用一个评分制，确定低收入家庭的信贷级别，然后因应级别提供融资。
布雷纳德指出，透过修订CRA，监管机构可推动银行向低收入家庭提供存款与借款产品，以及提升本身的信贷评级级别，进而取得更佳条款的按揭。
http://www.sinchew.com.my/node/1768139/美国拟助低收入家庭置业
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