RESUMEN EJECUTIVO La crisis sub-prime tiene su origen en EE.UU.‚ más específicamente en el sector inmobiliario. Las instituciones financieras aprovechando la baja tasa de interés‚ la liquidez del mercado‚ el boom inmobiliario‚ etc. otorgaron créditos hipotecarios a individuos con baja o mala calificación crediticia. Esto mirado positivamente fue bueno‚ ya que permitió el acceso a la vivienda propia a muchas personas que bajo otras circunstancias hubiera sido imposible de obtenerla. El mercado
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you will find that I outlined the cause and effect of the mortgage crisis. I also speak on the falling housing prices due to the mortgage crisis and the domino effect that will be created on and for the economy. I will also speak on the foreclosure rates caused by sub-prime loans and no fall back plan to help in the case of the mortgagor defaults. The Mortgage Crisis Thesis Statement: The mortgage crisis that has caused house prices to fall and foreclosures
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Subprime crisis background information From Wikipedia‚ the free encyclopedia The neutrality of this article is disputed. Relevant discussion may be found on the talk page. Please do not remove this message until thedispute is resolved. (July 2009) Main article: Subprime mortgage crisis This article provides background information helpful to understanding the subprime mortgage crisis. It discusses subprime lending‚ foreclosures‚ risk types‚ and mechanisms through which various entities involved
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SWOT analysis From Wikipedia‚ the free encyclopedia Jump to: navigation‚ search A SWOT Analysis is a strategic planning tool used to evaluate the Strengths‚ Weaknesses‚ Opportunities‚ and Threats involved in a project or in a business venture or in any other situation of an organization or individual requiring a decision in pursuit of an objective. It involves monitoring the marketing environment internal and external to the organization or individual. The technique is credited to Albert Humphrey
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MORTGAGE AGREEMENT THIS MORTGAGE AGREEMENT made and entered into this _____ day of July‚ 2012‚ by and between MRS. FEDERINA BALANAY QUINAY‚ the legal spouse of the late Mr. Federico C. Quinay‚ Sr. whose address is at Brgy. Luinab‚ Iligan City‚ hereinafter referred to as the “Mortgagor”; and MRS. AUDI QUINAY LIQUINGAN‚ the legal spouse of Mr. Menard Q. Liquingan whose address is at Ineangan‚ Dupay Del Norte‚ Nueva Vizcaya‚ hereinafter referred to as the “Mortgagee”. WHEREAS‚ the Mortgagor owns
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What is a Mortgage? A mortgage is a financial agreement between a lender and a buyer‚ in which the property is used as collateral for the loan. A mortgage gives the lender the right to collect payments on the loan and to foreclose on the property if those payments are not made. What is a Mortgage Loan? A loan which utilizes property as a security or collateral to provide for repayment should the borrower default on the terms of the loan. The mortgage or Deed of Trust is the financial agreement
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CHATTEL MORTGAGE A chattel mortgage is an accessory contract by virtue of which personally property is recorded in the Chattel Mortgage Register as security for the performance of an obligation. (Art. 2140‚ NCC) A chattel mortgage is not a conditional sale (Serra vs. Rodriguez‚ 56 SCRA 538.) It’s a security; an accessory contract where personal property is mortgaged as security for the performance of an obligation (Art. 2140‚ Civil Code.) A chattel mortgage is a conditional sale of personal
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Mortgage Crisis In 2007‚ the US economy entered a mortgage crisis that caused panic and caused other financial problems. The mortgage crisis was a result of too much borrowing and flawed financial modeling‚ largely based on the assumption that home prices only go up. The problem in this economy is that foreclosure rates were a few years ago at an all time high‚ where banks couldn’t afford to give out anymore loans and were increasing Americans mortgages. This caused a financial meltdown where not
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Executive Summary Even though Countrywide stopped offering subprime loans 4 months ago‚ the company is still in the forefront of the subprime mortgage lending and foreclosure crisis. Lawsuits seem to be coming from all directions‚ federal and state investigative probes are launched against them‚ stock price tumbled to 1/5 of its value‚ even desperate lenders demonstrated outside their offices. 2007 has definitely not been Countrywide ’s year. The company has lost its place as America ’s Home Lender
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Introduction The global financial crisis that erupted in September 2008 has thrown economies around the world into a recession. The root cause were sown in the credit boom that peaked in mid-2007‚ followed by the meltdown of sub-prime mortgages and securitized products. Fannie Mae and Freddie Mac were both taken over by the government and on September 24‚ 2008‚ Lehman Brothers declared bankruptcy after failing to find a buyer. The fall of Lehman Brothers rattled the global market and led to
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