The Two Primary Quantitative Underwriting Standards Are (1) the Payment-To-Income

question 21

Essay

The two primary quantitative underwriting standards are (1) the payment-to-income ratio (PTI), and (2) the loan-to-value ratio (LTV). Describe these two ratios.

---

Definitions:

Client-Centred Therapies

Psychological treatments that emphasize the client's self-discovery, self-acceptance, and a growth-oriented process, developed by Carl Rogers.

Self

The individual’s recognition of their own identity, characterized by personal awareness and the understanding of one’s own thoughts, feelings, and actions.

Chronic Anxiety

A persistent state of excessive worry and fear that interferes with daily activities, often a symptom of an anxiety disorder.

Behaviour Therapy

A form of psychotherapy dedicated to modifying unwanted behaviors via conditioning and reinforcement techniques.