A sustainable mortgage must remain within the income capacity of the household responsible for paying it. When the mortgage does not align with income, the resulting imbalance causes systemic instability.
The foundation of capacity.
Calculated mathematically.
A stable, balanced ecosystem.
60/40 THE PLAN, Inc. provides an institutional framework that logically structures mortgages to prevent over-leveraging and maintain housing stability. It offers a standardized methodological approach for responsible lending and homeownership preservation.
Stability Programs Institutional Framework