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Excerpt from Trends in Consumer Credit Affordability: Hearing Before the Subcommittee on Consumer Credit and Insurance of the Committee on Banking, Finance and Urban Affairs, House of Representatives, One Hundred Third Congress, Second Session; June 9, 1994 As a result, consumers are walking up to the teller window and finding that there is plenty of credit available but that it is not very affordable. Compared to a year ago, the average consumer is now pa ing an extra $103 per month on a mortgage. That is anot er per year, and an added over the life of a 30-year note. By one estimate, this year's rate increases have kept families from buying a home. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.