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Mortgages in sentence

375 examples of Mortgages in a sentence

Let's start with mortgages.
And then they blame the banks for being the bad guys who gave them the mortgages.
If you think about people and mortgages and buying houses and then not being able to pay for it, we need to think about that.
What they hadn't counted on was digitization, because that meant that all those paper receipts had been scanned in electronically, and it was very easy for somebody to just copy that entire database, put it on a disk, and then just saunter outside of Parliament, which they did, and then they shopped that disk to the highest bidder, which was the Daily Telegraph, and then, you all remember, there was weeks and weeks of revelations, everything from porn movies and bath plugs and new kitchens and mortgages that had never been paid off.
You can see willful blindness in banks, when thousands of people sold mortgages to people who couldn't afford them.
I have loans and mortgages.
I'm not going to remind you what happened with subprime mortgages, but it's the same thing.
And just like home mortgages, student loans can be bundled and packaged and sliced and diced, and sold on Wall Street.
They may feel confident, say, in taking out mortgages they really can't afford.
They have no mortgages, rent payments or idiot bosses.
Now, ten years later, Thomas, at twenty-eight, is little more than a professional punk whose job appears to be investing in shady real estate deals then using underhanded and sometimes even violent methods to evict those who cannot pay their rents or mortgages.
They are likely to place much greater emphasis on consumer lending, especially mortgages and credit cards.
The longer the policymaking impasse persists, the greater the stall-speed risk for an economy that already has an unemployment crisis, a large budget deficit, many underwater mortgages, and policy interest rates floored at zero.
People with fixed-rate mortgages are also vulnerable to rate increases, though less directly.
The US housing boom is due, first, to low interest rates, which mean that large amounts of money can be borrowed for mortgages with moderate monthly payments.
At some point, the yields on bonds and mortgages will be high enough that investors’ appetite for yield will balance their fear of exchange-rate depreciation.
In short, QE – lowering long-term interest rates by buying long-term bonds and mortgages – won’t do much to stimulate business directly.
The Fed has bought more than $1 trillion of mortgages, the value of which will fall when the economy recovers – which is precisely why no one in the private sector wants to buy them.
While Koo applied this framework to Japanese firms in Japan’s first lost decade of the 1990’s, it rings true for America’s crisis-battered consumers, who are still struggling with the lingering pressures of excessive debt loads, underwater mortgages, and woefully inadequate personal saving.
In China, there are no subprime mortgages, and the down payment on the purchase price required to qualify for financing can exceed 50%.
Even if real-estate prices fell by more than 50%, commercial banks could survive – not least because mortgages account for only about 20% of banks’ total assets.
For the past three years, falling interest rates have been the engine of growth, as households took on more debt to refinance their mortgages and used some of the savings to consume.
They thought that financial innovations could somehow turn bad mortgages into good securities, meriting AAA ratings.
There might be some money in repackaging, but not the billions that banks made by slicing and dicing sub-prime mortgages into packages whose value was much greater than their contents.
Worse, banks failed to understand the first principle of risk management: diversification only works when risks are not correlated, and macro-shocks (such as those that affect housing prices or borrowers’ ability to repay) affect the probability of default for all mortgages.
Worse, the US Federal Reserve and its previous chairman, Alan Greenspan, may have helped create the problem, encouraging households to take on risky variable-rate mortgages by reassuring those who worried about a housing bubble that there was at most a little “froth” in the market.
That means lower loan-to-value ratios, stricter mortgage-underwriting standards, limits on second-home financing, higher counter-cyclical capital buffers for mortgage lending, higher permanent capital charges for mortgages, and restrictions on the use of pension funds for down payments on home purchases.
Without inflows of Chinese capital, the US Treasury would face higher interest rates, raising the cost of financing government debt and the cost of homeowners’ mortgages.
There is thus a real need in the Franc Zone for a financing institution that would convert migrant remittances into productive investments, thereby generating jobs and wealth, and that would broaden access to banking services, mortgages, insurance products, pension plans, and technical assistance.
Trump’s vow to tear up the rules is a recipe for another Great Depression, with massive unemployment and millions of people unable to pay their mortgages, student loans, and other debts.
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