CHE SIGNIFICA SUBPRIME IN INGLESE
Prestiti subprime
In finanza, il prestito subprime significa prestare prestiti a persone che potrebbero avere difficoltà a mantenere il piano di rimborso, talvolta riflettendo i guasti quali la disoccupazione, il divorzio, le emergenze mediche, ecc. Storicamente, i mutuatari subprime sono stati definiti con un punteggio FICO inferiore a 640, anche se "questo Ha variato nel tempo e nelle circostanze ". Questi prestiti sono caratterizzati da tassi di interesse più elevati, garanzie di scarsa qualità e condizioni meno favorevoli per compensare il rischio di credito più elevato. Molti prestiti subprime sono stati impacchettati in titoli garantiti da mutui ipotecari e, infine, inadempienti, contribuendo alla crisi finanziaria del 2007-2008. I sostenitori del prestito subprime sostengono che la pratica estende credito a persone che altrimenti non avrebbero accesso al mercato del credito. Il professor Harvey S. Rosen dell'Università di Princeton ha spiegato: "La cosa principale che le innovazioni nel mercato dei mutui hanno fatto negli ultimi 30 anni è quello di lasciare in esclusione: i giovani, i discriminati contro le persone senza un sacco di soldi La banca da utilizzare per un acconto. "...
definizione di subprime nel dizionario inglese
La definizione di subprime nel dizionario è fatta a un mutuatario con un basso rating, solitamente con un alto tasso di interesse. L'altra definizione di subprime è un prestito fatto a un mutuatario con un basso rating.
PAROLE IN INGLESE ASSOCIATE CON «SUBPRIME»
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4 CITAZIONI IN INGLESE CON «SUBPRIME»
Citazioni e frasi famose con la parola
subprime.
Fannie and Freddie made two-thirds of all subprime mortgages. That is not a free market institution. That entity, along with the Fed printing too much money back in '03 and '04, caused the housing collapse. So we need to take free markets seriously. That means we have to put an end to all these tax credits and tax deductions and loopholes.
In the subprime mortgage industry, bankers handed out iffy loans like candy at a parade because such loans meant revenue and, hence, bonuses for executives in the here-and-now.
Home ownership was the fig leaf for the rise in subprime lending. But that was really about cash-out refinancings, not buying homes.
Between the Community Redevelopment Act, requiring banks to make what I would call very weak loans, and specific quotas that the Congress imposed on Fannie Mae and Freddie Mac, that created the market demand that really led to the subprime phenomenon.
10 LIBRI IN INGLESE ASSOCIATI CON «SUBPRIME»
Scopri l'uso di
subprime nella seguente selezione bibliografica. Libri associati con
subprime e piccoli estratti per contestualizzare il loro uso nella letteratura.
1
Subprime Mortgages: America's Latest Boom and Bust
In many ways, the optimists were correct, but now, less than fifteen years later, the subprime mortgage market is collapsing, threatening to take the rest of the housing sector along with it.Subprime Mortgages: America's Latest Boom and ...
2
The
Subprime Solution: How Today's Global Financial Crisis ...
"Robert Shiller is two for two in predicting and identifying bubbles that will burst. This book is a must read for anyone predicting future bubbles or charting the course of recovery from our current difficulties.
3
The
Subprime Virus: Reckless Credit, Regulatory Failure, and ...
This is the first book to offer a comprehensive description of the government's failure to act and to analyze the financial reform legislation of 2010.
Kathleen C. Engel, Patricia A. McCoy,
2011
4
Subprime Cities: The Political Economy of Mortgage Markets
This book is a provocative wake-up call for us to reconsider the structures of housing finance and housing policy if we are to avoid another crisis.
5
Confessions of a
Subprime Lender: An Insider's Tale of ...
From the broker on Main Street to the investor on Wall Street, it's an unabridged version of what went wrong and how it needs to be fixed." —Bill Dallas, founder, First Franklin Mortgage, one of America's largest subprime lenders, before ...
6
Understanding the Securitization of
Subprime Mortgage Credit
Provides an overview of the subprime mortgage securitization process and the seven key informational frictions that arise.
7
Subprime Mortgage Credit Derivatives
Divided into four parts, this book addresses a variety of important topics, including mortgage credit (non-agency, first and second lien), mortgage securitizations (alternate structures and subprime triggers), credit default swaps on ...
Laurie S. Goodman, Shumin Li, Douglas J. Lucas,
2008
8
Subprime Mortgages, Foreclosures, and Urban Neighborhoods
Analyzes the impact of the subprime mortgage crisis on urban neighborhoods in Mass.
Kristopher S. Gerardi,
2010
9
Financial Literacy and
Subprime Mortgage Delinquency: ...
This paper investigates whether a particular aspect of borrowers' financial literacy ¿ their numerical ability ¿ may have played a role in the subprime mortgage delinquency.
10
Making Sense of the
Subprime Crisis
This is a print on demand edition of a hard to find publication.
Kristopher S. Gerardi,
2011
10 NOTIZIE DOVE SI INCLUDE IL TERMINE «SUBPRIME»
Vedi di che si parla nei media nazionali e internazionali e come viene utilizzato il termine ino
subprime nel contesto delle seguenti notizie.
Citigroup to Sell Its Subprime Lender OneMain to Springleaf for …
Citigroup is selling its subprime consumer loan unit to Springleaf Holdings, another large subprime lender, for $4.25 billion. The sale of the unit, OneMain ... «New York Times, mar 15»
Moody's Under DOJ Investigation For Subprime Mortgage Ratings …
Moody's is under investigation by the Department of Justice for its role in the 2008 financial crisis. Moody's inaccurate ratings for securities built on subprime ... «International Business Times, feb 15»
Auto Loan Surge Fuels Fears Of Another Subprime Crisis
The number of Americans buying autos approached a record high last year. It's one more sign of how much the economy is improving. But there's a big potential ... «NPR, gen 15»
Ally Financial Gets Subpoena Related to Subprime Automotive …
... Department asking for information related to the bank's subprime automotive ... banks the Justice Department is investigating in the subprime auto space. «Wall Street Journal, dic 14»
Uber Is Reportedly Pushing Its Drivers To Sign Up For 'Subprime …
On-demand car service Uber is encouraging its drivers to sign up for subprime loans, according to a story by Valleywag's Nitasha Tiku, published Tuesday. «Business Insider, nov 14»
Rural America, overlooked epicenter of subprime mortgage crisis …
Larry McKirahan mows his front yard in Rushylvania, Ohio. Long seen as having devastated Sun Belt cities, the subprime mortgage crisis unleashed turmoil on ... «The Oregonian - OregonLive.com, ott 14»
Auto sales increase along with subprime loans
s financing unit, the subprime-auto lender that received a subpoena from the Justice Department this month, plans to sell $975 million of asset-backed securities, ... «Tribune-Review, ago 14»
Focusing on GM Unit, US Starts Civil Inquiry of Subprime Car Lending
Federal prosecutors have begun a civil investigation into the booming business of subprime auto lending, focusing on the packaging and selling of questionable ... «New York Times, ago 14»
Citigroup to pay $7B to settle subprime mortgage case
Few bank employees, executives or workers have been convicted of any crimes connected to the risky subprime mortgages that spurred the collapse that led to ... «Washington Times, lug 14»
Ex-Goldman Sachs exec penalized in subprime investment case
Former Goldman Sachs Group Inc. Vice President Fabrice Tourre, found liable for his part in a failed $1-billion investment, was ordered to pay more than ... «Los Angeles Times, mar 14»