Talk:Mortgage industry of Denmark
![]() | This article is rated C-class on Wikipedia's content assessment scale. It is of interest to the following WikiProjects: | ||||||||||
|
![]() | It is requested that a photograph be included in this article to improve its quality.
Wikipedians in Denmark may be able to help! The external tool WordPress Openverse may be able to locate suitable images on Flickr and other web sites. |
Comparison with US traditional mortgage backed securities
[edit]The Danish approach is being discussed as an alternative to the traditional US system. Here are differences: -Danish borrowers can pay off fixed rate loans at a discount when interest rates increase, reducing “negative equity” and thus reducing defaults. “When everyone else is in a bad mood, they’re in the money.” -Originators are compensated for and retain first loss responsibility covering credit risk on the loans that they make; loan performance is published so bondholders can reassure themselves that credit risk is being adequately covered, improving confidence. -Concern about who is servicing the loans and mandatory loan write downs are limited to originators and have not unnerved bondholders. -Loans and bonds are easy to understand because every originator’s product is like the other originators’ product and described in a national mortgage law. -Documentation and appraised values are consistent because a separately regulated mortgage institute has checked them. -There is no inside information favoring certain investors as bond information is kept in one data base and reports issued through the exchange. -Bond investor confidence and knowledge results in lower bond yields thus lower interest rates. -Standardization and computerization reduces the cost related to process friction. This causes some opposition in Wall Street where underwriting non-standard bonds have resulted in large fees, but is benefitial to the borrowers in both developed and developing markets. —Preceding unsigned comment added by 76.103.81.217 (talk) 18:39, 26 January 2009 (UTC)
Assessment comment
[edit]The comment(s) below were originally left at Talk:Mortgage industry of Denmark/Comments, and are posted here for posterity. Following several discussions in past years, these subpages are now deprecated. The comments may be irrelevant or outdated; if so, please feel free to remove this section.
Criteria for class C // degree of fulfillment
Mid: Mortgage lending schemes are among issues mentioned in discussions on the present financial crisis, cf. also the references to G. Soros Hedgehog41 (talk) 21:32, 30 January 2009 (UTC) |
Last edited at 19:15, 19 March 2011 (UTC). Substituted at 00:27, 30 April 2016 (UTC)
External links modified (February 2018)
[edit]Hello fellow Wikipedians,
I have just modified 3 external links on Mortgage industry of Denmark. Please take a moment to review my edit. If you have any questions, or need the bot to ignore the links, or the page altogether, please visit this simple FaQ for additional information. I made the following changes:
- Added archive https://archive.is/20071030093947/http://www.social.dk/global/udgivelser/Publikationsdatabase/SM/Boliger/almene%20boligsektor/almene.html to http://www.social.dk/global/udgivelser/Publikationsdatabase/SM/Boliger/almene%20boligsektor/almene.html
- Added archive https://archive.is/20130124024803/http://www.georgesoros.com/danish-fix-081108 to http://www.georgesoros.com/danish-fix-081108
- Added archive https://web.archive.org/web/20110121043017/http://www.brf.dk/C1256A8000376E8E/alldocs/DOCJWIK-5L7F44 to http://www.brf.dk/C1256A8000376E8E/alldocs/DOCJWIK-5L7F44
When you have finished reviewing my changes, you may follow the instructions on the template below to fix any issues with the URLs.
This message was posted before February 2018. After February 2018, "External links modified" talk page sections are no longer generated or monitored by InternetArchiveBot. No special action is required regarding these talk page notices, other than regular verification using the archive tool instructions below. Editors have permission to delete these "External links modified" talk page sections if they want to de-clutter talk pages, but see the RfC before doing mass systematic removals. This message is updated dynamically through the template {{source check}}
(last update: 5 June 2024).
- If you have discovered URLs which were erroneously considered dead by the bot, you can report them with this tool.
- If you found an error with any archives or the URLs themselves, you can fix them with this tool.
Cheers.—InternetArchiveBot (Report bug) 02:01, 6 February 2018 (UTC)