House Poor
House poor describes a homeowner who spends such a large share of income on housing that they cannot afford other essentials or savings goals. Typically triggered by buying at or above the maximum DTI a lender approves. Symptoms include no emergency fund, inability to save for retirement, reliance on credit cards for basic expenses, and deferred maintenance. Avoided by targeting 28% front-end DTI or below, not the 45%+ lender ceiling.
한국어
하우스 푸어는 소득의 큰 부분을 주택비에 써서 다른 필수 지출이나 저축을 못 하는 주택 소유자를 말합니다. 보통 은행 최대 DTI로 집을 살 때 발생.
日本語
ハウスプアとは、収入の大部分を住居費に充て、他の必需品や貯蓄ができない住宅所有者のこと。通常、銀行の最大DTIで購入することで発生。