Video scenes shots:
Watch the video:
| URL: | |
| Embed: |
Display Video Comments | Hide Video Comments | Add Comment
Other videos by this author:
 |
V2D. Illustrated Shortcomings of the P/E Ratio (and other ratios) Posted by: savingandinvesting
Video duration: 233 seconds Related: N/A Display Video Comments | Hide Video Comments | Add Comment |
- Free mortgage calculator
- Explain refinancing a mortgage
- Excel mortgage payment formula
- How are mortgage rates determined?
- Mortgage payment tables
- Mortgage interest rates in maine
- Calculate mortgage payments formula
- How do I negotiate a mortgage refinance?
- Mortgage protection insurance
- Mortgage foreclosure process
- Top 10 fixed rate mortgages
- Cheapest fixed rate mortgages
- Compare fixed mortgage rates
- Advantages and disadvantage of mortgage
- Investment property mortgage rate
- Mortgage amortization calculator
- Top 10 mortgage lenders
- Mortgage refi
- Bad credit mortgage loans
Search and find the latest news on cheap fixed rate mortgages, buy to let and commerical mortgage loans in the UK or overseas via the internet from the comfort of your own home! Research and secure the very best online mortgage rates with the most suitable products for your current circumstances, using interest only mortgage brokers, lenders, advice or the cheapest first time flexible mortgages using our bad credit mortgage calculator company designed for mortgage refinancing and refinance mortgage quotes. Remortgage your second mortgage, new self employed or self cert mortgages at the all new and informative "MortgageSet" web site.
Latest comments made on this video:
By: tahirish1. on 14 Dec 11, 10:26:40
I wanna know why investors would invest and buy such shares when they? dont have certinity of return. e.g, if company cold,nt receive? interest payments than how will the company pay dividends to the shareholders of special purpose vehicle...............?
By: savingandinvesting. on 09 Aug 11, 13:22:50
@johnpaulsialafau Special purpose vehicle can have any name like 'Delta 2007 - 11' to refer to date of pool or mortgages. Investors buy tranches of the vehicle, i.e. for return of expected cash flows; selling bank receives the payment upfront thereby transferring the risk. Because the tranches (securitized) are more liquid than the pool, and were rated too highly in sub-prime crisis (meaning lower required yield) price? in aggregate of the pool was higher once securitized. Hope that helps.
By: savingandinvesting. on 09 Aug 11, 13:22:45
@iamtallerthanher Special purpose vehicle can have any name like 'Delta 2007 - 11' to refer to date of pool or mortgages. Investors buy tranches of the vehicle, i.e. for return of expected cash flows; selling bank receives the payment upfront thereby transferring the risk. Because the tranches (securitized) are more liquid than the pool, and were rated too highly in sub-prime crisis (meaning lower required? yield) price in aggregate of the pool was higher once securitized. Hope that helps.
By: johnpaulsialafau. on 26 Apr 11, 23:30:34
Thank you. Man, who needs text books when you can watch Michael Fisher. This'll be helpful in my? Finance exam. You're a legend Mr. Fisher.
By: SalsabilSaeed. on 23 Feb 11, 16:42:07
simply? excellent
By: EmporiumCosmetics. on 03 Nov 10, 15:37:16
Hi, I understand why the investors would want to buy the debt (secularized loans) but why the loans issuer would want to sell them? They must have sell it cheaper than the potential earnings on this loans (meaning when the whole profit is paid off) in order to make it appealing for the buyer...but then they are loosing out on? some of the profits...no? why would they want to do that? is my understanding totally wrong? thanks
By: iamtallerthanher. on 08 Oct 10, 00:58:31
@yasmine880 this is exactly? what I don't understand
By: iamtallerthanher. on 08 Oct 10, 00:55:31
Pardon my ignorance too, but I just can't see where money is made? If a financial institution provides loans of say total 100k @5%, these now appear as assets on their BS. If pooled together (even with their varying risks,but I assumed a standard rate of 5% for the example), and put in a "seperate vehicle" what name goes on this "vehicle"?; how are these then "sold off"? Also, are these loans sold off @ 5%? Effectively all I want to know is how do all? parties make money? Also thanks for videos.
By: Lvankov. on 17 Jun 10, 14:06:02
@TheSheik154 : The separate vehicle is usually? called a special purpose vehicle (SPV) or a special purpose entity or company (SPE, SPC), which is being specifically created so that it could issue new stock with the very loans being the underlying. This would reduce the risk of bakruptcy and thereby obtain lower interest rates from potential buyers.
By: 88Baebae. on 25 May 10, 13:02:49
Your shit loads? better at explaining securitisation than my lecturer.
By: yasmine880. on 27 Mar 10, 08:15:17
so if im the financing company and i made a loan of 100,000 $ i would sell this loan at its fair value which is 100,000 or wat? what's the gain from selling this loan to investors other than liquidity.. should i take a part of interest too as investors. or where's my financial gain? i hope u understand my question and reply me? ASAP :) thank u
By: yasmine880. on 27 Mar 10, 08:15:08
so if im the financing company and i made a loan of 100,000 $ i would sell this loan at its fair value which is 100,000? or wat? what's the gain from selling this loan to investors other than liquidity.. should i take a part of interest too as investors. or where's my financial gain? i hope u understand my question and reply me ASAP :) thank u
By: yasmine880. on 27 Mar 10, 08:13:40
so if im the financing company and i made a loan of 100,000 $ i would sell this loan at its fair value which is 100,000 or wat? what's the gain from? selling this loan to investors other than liquidity.. should i take a part of interest too as investors. or where's my financial gain? i hope u understand my question and reply me ASAP :) thank u
By: savingandinvesting. on 24 Mar 10, 16:55:01
The lender/buyer of the securitized loans is investor. Greatest benefit to borrowers is/was that repackaging allowed more money to be borrowed as loans could be offered to more types of investors. Many investors bought them was as return was high for rating - for example a AA rated securitized product might provide better yield than other AA rated bonds. (In 2008, often the securitized bond turned out to be perhaps more risky than the rating indicated and defaults occurred). Hope that helps,? MF.
By: PresidentMugabe1990. on 23 Jan 10, 19:01:35
it? all makes sense, i guess, i see how it would benefit the lenders to spread the risk but how does securitisation benefit investors who are just buying the loans off the lenders? how do investors benefit from this?
By: Sun4Niebieskieoczy. on 30 Dec 09, 22:33:29
Hi, this is youtube at its best, don't you think? Did you get to the somewhat key role played by Morgan Stanley in floating the CDS? If? so what do you think about it?
By: roporolo. on 13 Nov 09, 16:09:09
Slightly confusing in places but overall that has really helped me to understand what? securitization is. am currently doing an assignment which involves me saying why the recession happened and that has finally helped me to understand what its all about. thank you!
By: vohne. on 10 Aug 09, 13:02:54
great explanations, very clear. However may i make a constructive criticism, you repeat a lot of things that sometimes I think the video has sort of glitched backwards and replayed a section. But aside from that, thank you!?
By: nervs777. on 05 Aug 09, 10:33:27
so if the the? people dont repay there loans is it the investors that go round the house kick em out
By: hopsuli. on 30 Jul 09, 18:23:44
Thank you! A concise and clear? explanation on Securitization : Semantics, semantics, semantics.. "Securities" indeed.
By: TheSheik154. on 16 Apr 09, 06:57:41
Thanks :? )
By: savingandinvesting. on 14 Apr 09, 09:16:09
It means taking the loans off the balance sheet of the banks for example and putting them into a separate entity against which securities can then be issued so that investors can purchase pieces of this pool of loans for example by purchasing pieces of this new entity or vehicle. I? hope that helps - best regards, Michael.
By: TheSheik154. on 10 Apr 09, 03:49:01
Pardon my ignorance.... What does "transferring the loans to a separate vehicle" entail??
By: okrh2. on 15 Jan 09, 23:35:45
Michael, Please don't stop making these videos. They're actually life changing. I've been recommending them to a lot of people who have until now - like me - felt totally out of their depth on this stuff. Cheers.?