The problem, experts say, is that on paper, some of these borrowers can look like a risk. They include high-net worth individuals who seldom use credit -- which can leave them without a credit score. Or maybe their income is hard to calculate, perhaps because it comes from a complex trust. There are also millionaire retirees who don't earn salaries, and self-employed folks whose companies' profits have taken a hit -- but who have sizable assets.
专家说,症结在于一些像谢里丹这样的借款人,表面上看可能会给银行带来风险。比如很少使用信贷的高净值个人,他们可能没有信贷记录。这些借款人的收入也有可能很难统计──比如收入来自于某个复杂信托。还有不挣工资而财产上百万的退休人员,以及公司利润受损、但资产不少的个体经营户。
Of course, if middle-income applicants fail to meet credit, income and other requirements, they'd be out of luck. But luxury buyers can overcome the hurdles -- in large part by using their wealth as a compensating factor.
当然,如果中等收入者满足不了信用、收入等方面的要求,那他们就没机会了。但富有的买房人可以克服障碍,具体办法很大程度上就是将其财富当作一个补偿因素。
Some lenders say they're offering private mortgages in which requirements have been eased for a fraction of their customers -- ranging from 2% to 5% of their customers. And in some cases, lenders say demand for these mortgages has grown since the financial crisis. Nobody tracks how many luxury buyers get turned down for mortgages nationwide.
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