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...Azalea told the FT that it structured transactions with “downside risk mitigation in mind”, using “conservative” loan-to-value ratios and putting “various structural safeguards” in place to protect investors...
...“The Fed’s rate hikes will not force current homeowners to sell in large numbers, because very few homebuyers in recent years took out adjustable-rate mortgages,” he says....
...But they are reducing the amount of risk they will take on the mortgage with a loan-to-value ratio typically capped at 50 per cent depending on the client and tenant....
...“By 2006 the standards were almost non-existent. By 2007 if you were breathing you could get a loan.”...
...Second, she can buy it with a loan from you. The third option is for you to buy it outright or with a joint mortgage and finally the property could be bought by or with a loan from trustees....
...It was a variable-rate mortgage, with a promotional rate and no repayments of principal for the first three years....
...“With today’s low mortgage rates, this may be a cheaper option than getting a loan.”...
...One warning sign was a $100m working-capital loan from Bankers Trust: Mr Trump was using it to service mortgages and pay debt, rather than fund day-to-day operations, according to a person familiar with...
...“Here we are again,” says Janet Tavakoli, president of Tavakoli Structured Finance, a Chicago-based consulting firm. Car loans are a smaller market than mortgages, she notes, which total about $9tn....
...The company offered rates late last year for 30-year fixed rate mortgages that were as low as 2.8 per cent....
...Growth in total outstanding bank loans, he added, actually slowed to 12.6 per cent – the lowest level since 2006 – as lending to firms softened, though growth of loans to households “remained strong last...
...According to Moneyfacts, the average rate on a three-year £5,000 car loan has fallen from 8.6 per cent to 8.4 per cent over the past month – and could potentially fall further before next year’s anticipated...
...Corporate loans were the underlying assets for 86 per cent of CLOs outstanding at the end of January, according to CICC. Auto loans and residential mortgages together account for another 7 per cent....
...Lenders have restructured the amount of debt that is available at high loan-to-value mortgage [ratios], and borrowers must get through the “stress tests”....
...Shares in Darden Restaurants soared as much as 5.8 per cent to a record high of $73.40 on news that the owner of Olive Garden would spin off some of its properties into a real estate investment trust, before...
...This steadily increased to about 5.8 per cent by July, 2006 and then stayed there until the recession began at the end of 2007....
...By contrast, new kid on the block Landbay collectivises investors’ funds so that they are diversified across its portfolio of buy-to-let mortgage loans....
...Adjustable rate mortgages, known as Arms, have staged a comeback as banks seek to woo wealthy borrowers with teaser periods of lower rates....
...It can also place restrictions on maximum loan-to-value ratios, loan-to-income ratios, debt-to-income ratios or the length of mortgage terms....
...To date, it has made investments in Navitas Lease Corporation, which provides loans against equipment; Global Lending Services, which provides car loans; and Shellpoint, which provides mortgages....
...Part of the reason CMBS sales have shot up is that borrowers are refinancing loans at ultra-low interest rates....
...Here’s the original 2003 rating announcement from Moody’s: The underlying loans consist of about 83% of fixed-rate mortgage (FRM) and 17% of adjustable-rate mortgage (ARM) loans....
...insurance was sold to consumers when they took out personal loans or mortgages....
...But Arbor Realty Trust last September became the first manager since the crisis to issue a full-blown collateralised loan obligation, a kind of CDO, where investors do not have a full picture upfront of...
...Interest rates in the interbank market soared to almost 14 per cent from an earlier 3 per cent rate....
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