論文代寫價格：抵押貸款
論文代寫價格：抵押貸款
其餘20%的參與者同意他們是獨立的經紀人，與任何貸款或貸方都沒有關係。他們可以提供來自整個市場的貸款人推薦(Bachelor, 2014)。這意味著，他們可能處於提供公正、真實建議的合適位置，即使有時關聯經紀商的好處是，即使他們提供的產品範圍有限，他們也可能提供針對這些產品的合適交易。整個抵押貸款市場的經紀人一般都負責收取預付款。下一個問題是從抵押貸款經紀人的角度來看抵押貸款行業的下一步變化。
30%的參與者同意，主要的變化將是GSE的改革，這在操作基礎上仍然令人生畏。吸引私人資本重返市場的關鍵指標低於70個基點。 GSE的改革在短期內是有問題的。這是因為未來抵押貸款發行中為證券開發的基礎需要多年的技術複雜性努力，而卸載信用風險的政府結構需要測試和建立(Bachelor, 2014)。
30%的觀點認為資本要求將會提高。與會者一致認為，銀行將需要持有更高的資本金，以反對持有抵押貸款。例如，根據巴塞爾協議3，抵押貸款服務的權利將被限製到整個一級資產持有的10%。預計由於SLR的存在，回購融資成本將會提高。這將對依賴金融投資回購的抵押REITs盈利能力產生負面影響。其餘40%的參與者一致認為，市場對抵押貸款再融資的環境將進一步降低利率的上升。以房地美核心邏輯估計和數據為基礎，所有35%的抵押貸款都可以從再融資中獲益。那些沒有策略去接觸新借款者的銀行日子不好過。
論文代寫價格：抵押貸款
The remaining 20 percent participants were in agreement to the fact that they are independent brokers not connected with any lending or lenders. They could provide recommendation on the lenders from the entire market (Bachelor, 2014). This implies they might be in a proper position of offering impartial genuine suggestion even when the benefit of connected brokers at times is that even though they consist of limited product range offering, they might consist of appropriate deals over them. The entire market brokers for mortgage generally are responsible for charging upfront flat fee. The next question was regarding the next changes due in the mortgage industry from the perspective of mortgage brokers.
30 percent participants were in agreement that the major change will be reforms by GSE which remained daunting on operational basis. The mark essential for luring the privatized capital back into market is below 70 basis points. Reforms by GSE are problematic in the short term. This is because the foundation developed for securities in future mortgage issuance requires technical complexity effort for multiple years and the government structure for offloading the credit risk requires to be tested and established (Bachelor, 2014).
30 percent of the notions were that the capital requirements will ever increase. Either it is about falling in alignment with local regulations under the Supplementary ratio for leverage proposed or it is by meeting the standards of Basel 3, participants agreed that banks will need to hold higher capital in opposition to the holdings of mortgage. For example, under Basel 3, rights of mortgage services will be limited till 10 percent of the whole 1st level holding of asset. It is expected that the repo financing cost will enhance because of the SLR. This will negatively influence the mortgage REITs profitability which will depend upon financial investment repo. The remaining 40 percent participants were in agreement to the market for mortgage refinancing will further be diminishing the rising environment of interest rate. Basing Core Logic estimation and date of Freddie Mac, all mortgages of 35 percent could advantage from refinancing. Lenders which had no strategy to reach newer borrowers had a bad time.
