#interest rates

Real Estate·Apr 13, 2026

Is a 40% DSR Really Safe? Why Real Households Hit the Wall Earlier

A 40% DSR is the bank's lending ceiling, not a household safety line. Pressure rises sharply around 30%, and once rate and income shocks are added, the comfortable zone drops further.

Real Estate·Apr 9, 2026

Who Should Buy a Home Now vs. Who Absolutely Shouldn't (A Rate-Era Framework)

The real line between buyers who should proceed now and buyers who absolutely shouldn't is not market timing — it is personal loan structure. This rate-era framework lays out rate-buffer, DSR, leverage, and cash-flow thresholds with real numbers and a concrete case.