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Developments in Household Liabilities Since the 1990s
The ratio of household liabilities to income increased from the mid 1990s to 2010, driven by an increase in the supply of loans that outpaced loan demand.
Which Households Prefer ARMs vs. Fixed-Rate Mortgages?
Adjustable-rate mortgages appear to be more popular with younger, higher-income households that also have bigger mortgages, according to 2019 data.
Assets and Liabilities of Younger vs. Older Households
The balance sheets of US households have changed over the past seven decades, overall and for different age groups.