期刊名称：Financial Stability Review / Reserve Bank of Australia
印刷版ISSN：1449-3896
电子版ISSN：1449-5260
出版年度：2005
卷号：SEP
出版社：Reserve Bank of Australia
摘要：One of the fastest growing segments of the mortgage market in recent years has been ‘low doc’
loans. These are loans for which borrowers self-verify their income in the application process.
They are designed mainly for the self-employed or those with irregular income who do not
have the documentation required to obtain a conventional housing loan. But the lack of
documentation also leaves them open to abuse, for example by people who are overstating their
income to the lender in order to obtain a larger loan than otherwise. They may also be used by
people who have understated their income for taxation purposes.1
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