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美国留学assignment关于房屋抵押贷款终止赎回权的分析 [2]
论文作者：www.51lunwen.org论文属性：作业 Assignment登出时间：2014-11-05编辑：lynn406点击率：7315
论文字数：3009论文编号：org201411042251245454语种：英语 English地区：美国价格：免费论文
关键词：Foreclosure次贷危机房产泡沫mortgage
摘要：摘要：近年来，房产市场出现明显的泡沫现象，本文从房屋抵押贷款赎回权的大量撤销来分析房产市场出现的病态与危机。人们申请超过偿还能力的房屋贷款，造成一度繁荣，可是放贷人并未严格要求申请标准，从而出现次贷危机。本文系统的分析了这一现象。
foreclosure stats for other US Government market products such as FHA, Sub Prime and Conventional are ______.
We must give ourselves a pat on the back because it is only because of the very aggressive loss mitigation practices of our loan servicing divisions at all of our regional loan centers that we are able to mitigate loss through our foreclosure prevention program activities. We step in and we intervene and we work very proactively with the homeowner and the mortgage holder to institute plans that work for all and enable the homeowner to stay in their homes and avoid foreclosure.
Special report:
Eyes on the Fed
Full coverage
Fed cut could buoy housing markets
Half-way home: the big drop in Fed fund rate may offer a little help to a besieged housing market.
By Les Christie, CNNMoney.com staff writer
September 18 2007: 6:14 PM EDT
NEW YORK (CNNMoney.com) -- The Federal Reserve's aggressive half-point cut Tuesday could provide support for a slumping housing market.
A quarter-point drop had already been priced into the market for Treasury bills and other instruments tied to mortgage rates, according to Richard DeKaser, chief economist for National City Corp. The deeper cut means mortgage rates may have a little more room to fall, giving support to prices.
The Fed Funds rate affects a range of consumer loans, including home equity and mortgages. Lower mortgage rates would add to the number of home buyers able to afford to make purchases, increasing demand for properties and buoying home prices. Buyers generally care less about the actual purchase price than they do about the size of their payments. If rates drop, so will monthly debt obligations. (Latest home prices)
Interest rates for conforming loans - those of no more than $417,000 - are already reasonably low, averaging 6.31 percent for a 30-year fixed rate loan.
But an important class of loans that might benefit from the big cut: the high-ticket home mortgages known as non-conforming or jumbo loans. These loans have no guaranteed secondary market because they exceed the $417,000 cap and Freddie Mac and Fannie Mae will not buy them.
With investors wary about any loan perceived as carrying the least bit of risk, jumbo rates have risen in recent months. They carry rates about a full point higher than conforming loans. Jumbos are especially important in high-priced housing markets such as New York, California, Washington D.C. and Boston.
Jumbo rates may come down if the cut makes consumers more confident, according to Mark Zandi, chief economist for Moody's Economy.com.
However, the real problem in the housing market is not interest rate本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。
We must give ourselves a pat on the back because it is only because of the very aggressive loss mitigation practices of our loan servicing divisions at all of our regional loan centers that we are able to mitigate loss through our foreclosure prevention program activities. We step in and we intervene and we work very proactively with the homeowner and the mortgage holder to institute plans that work for all and enable the homeowner to stay in their homes and avoid foreclosure.
Special report:
Eyes on the Fed
Full coverage
Fed cut could buoy housing markets
Half-way home: the big drop in Fed fund rate may offer a little help to a besieged housing market.
By Les Christie, CNNMoney.com staff writer
September 18 2007: 6:14 PM EDT
NEW YORK (CNNMoney.com) -- The Federal Reserve's aggressive half-point cut Tuesday could provide support for a slumping housing market.
A quarter-point drop had already been priced into the market for Treasury bills and other instruments tied to mortgage rates, according to Richard DeKaser, chief economist for National City Corp. The deeper cut means mortgage rates may have a little more room to fall, giving support to prices.
The Fed Funds rate affects a range of consumer loans, including home equity and mortgages. Lower mortgage rates would add to the number of home buyers able to afford to make purchases, increasing demand for properties and buoying home prices. Buyers generally care less about the actual purchase price than they do about the size of their payments. If rates drop, so will monthly debt obligations. (Latest home prices)
Interest rates for conforming loans - those of no more than $417,000 - are already reasonably low, averaging 6.31 percent for a 30-year fixed rate loan.
But an important class of loans that might benefit from the big cut: the high-ticket home mortgages known as non-conforming or jumbo loans. These loans have no guaranteed secondary market because they exceed the $417,000 cap and Freddie Mac and Fannie Mae will not buy them.
With investors wary about any loan perceived as carrying the least bit of risk, jumbo rates have risen in recent months. They carry rates about a full point higher than conforming loans. Jumbos are especially important in high-priced housing markets such as New York, California, Washington D.C. and Boston.
Jumbo rates may come down if the cut makes consumers more confident, according to Mark Zandi, chief economist for Moody's Economy.com.
However, the real problem in the housing market is not interest rate本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。
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