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03 April 2013

Verovali ili ne

Washington Post javlja:

"Obamina administracija podstiče banke da daju više stambenih kredita klijentima sa slabijom kreditnom sposobnošću."

Neka im je sa srećom.

3 comments:

MMiillaann said...

Možda najveća misterija modernog doba,nikad znanje nije bilo brže,lakše dostupno i upotrebljivo,naročito ono iskustvenog tipa skorije prošlosti a skoro nikad manje korišćeno. Misterija ili mizerija pitanje je sad

Nemanja said...

"Administration officials say they are looking only to allay unnecessary hesitation among banks and encourage safe lending to borrowers who have the financial wherewithal to pay"

Pa onda kazu ovo:

"From 2007 through 2012, new-home purchases fell 30 percent for people with credit scores above 780 (out of 800), according to Federal Reserve Governor Elizabeth Duke. But they declined 90 percent for people with scores between 680 and 620 — historically a respectable range for a credit score.

If the only people who can get a loan have near-perfect credit and are putting down 25 percent, you’re leaving out of the market an entire population of creditworthy folks, which constrains demand and slows the recovery"

Administrativci taj FICO skor stavljaju na pijedestal i zaslepljeni ne vide nista drugo. Kao na primer prihod koji nije obuhvacen.

Medjutim, figurativno govoreci, kada bankarski Urijel plamenim macem rezbari nepozeljne u kreditni raj, FICO skor mu je samo jedna varijabla od mnogih.. :D

elCoyote said...

NINJA loans all over again
Collateralized loan obligation,
Credit default swaps,
Naked Credit default swaps,
Mortgage-backed security's, Derivatives..............

Papirna industrija za alave se pokreće