CO OZNACZA SŁOWO SUBPRIME
Kredyty subprime
W finansowaniu pożyczki subprime to pożyczki dla osób, które mogą mieć trudności z utrzymaniem harmonogramu spłat, czasami odzwierciedlając takie problemy, jak bezrobocie, rozwod, stan zdrowia itp. Historycznie, kredytobiorcy podwykonawców określono jako posiadający ocenę FICO poniżej 640, chociaż "to różniły się w czasie i okolicznościach ". Pożyczki te charakteryzują się wyższymi odsetkami, złym zabezpieczeniem jakościowym i mniej korzystnymi warunkami w celu wyrównywania wyższego ryzyka kredytowego. Wiele kredytów podporządkowanych zostało zapakowanych do papierów wartościowych zabezpieczonych hipoteką, a następnie niewykonano zobowiązań, przyczyniając się do kryzysu finansowego w latach 2007-2008. Proponenci kredytów subprime utrzymują, że praktyka ta rozciąga się na kredyty dla osób, które w przeciwnym razie nie mają dostępu do rynku kredytów. Profesor Harvey S. Rosen z Princeton University wyjaśnił: "Najważniejszą rzeczą, jaką wprowadziły innowacje na rynku kredytów hipotecznych w ciągu ostatnich 30 lat, jest umożliwienie wykluczonym: młodym, dyskryminowanym ludziom, którzy nie mają dużo pieniędzy bank skorzystał z zaliczki ".
Definicja słowa subprime w słowniku
Definicja subprime w słowniku dokonywana jest dla kredytobiorcy o słabej wiarygodności kredytowej, zwykle o wysokiej stopie procentowej. Inną definicją subprime jest pożyczka udzielona pożyczkobiorcy o słabej zdolności kredytowej.
CYTATY ZE SŁOWEM «SUBPRIME»
Słynne cytaty i zdania ze słowem
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.
KSIĄŻKI POWIĄZANE ZE SŁOWEM «SUBPRIME»
Poznaj użycie słowa
subprime w następujących pozycjach bibliograficznych Książki powiązane ze słowem
subprime oraz krótkie ich fragmenty w celu przedstawienia kontekstu użycia w literaturze.
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
WIADOMOŚCI, KTÓRE ZAWIERAJĄ SŁOWO «SUBPRIME»
Sprawdź, o czym dyskutuje się w prasie krajowej i zagranicznej oraz jak jest stosowane słowo
subprime w wiadomościach.
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, Lut 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, Sty 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, Gru 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, Lis 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, Paz 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, Sie 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, Sie 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, Lip 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»