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Subprime mortgage crisis
Transcript of Subprime mortgage crisis
It is a special type of mortgage used in the U.S. for home purchase by customers who have poor creditworthiness and therefore with a greater
What are Subprime mortgage?
Higher interest rate
for the bank
The Central Bank establishes limits on the granting of these mortgages
The subprime debt can be transferred if it is converted into bonds.
The operation removes the loan from its balance sheet and so banks
can continue to lend money.
President of the Federal Reserve of the United States
interest rate from
6.5% to 1%,
liquidity in the system
“"It is necessary to put
money into circulation and
revive the American economy”
in real estate caused by:
the low interest rate
policy of granting of mortgages very lax
The Americans began to buy more houses
1% to 5.25%.
Obtain credit was not as easy as before and much more expensive.
Demand for housing
Difficulty obtaining credit
Growth of late payment and foreclosures
Who are considered the
of the subprime mortgage crisis?
shares of investment banks
and mortgage brokers
Moody's, S & P and Fitch
Central Banks, Governments
and International Agencies
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