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Mortgage-backed securities --- Titres hypothécaires --- Titres hypothécaires

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Just about every month, housing values in the U.S. fall. That, in turn, increases the number of people who owe more on their houses than they are worth—either trapping them in homes they may no longer want or putting them in danger of financial catastrophe if they lose a job or are otherwise unable to meet the mortgage. Underwater: Options When Your Mortgage Is Upside Down offers valuable advice to homeowners on ways they can unload a house they no longer want, save a home from foreclosure, or undergo foreclosure and start anew. The book offers smart advice from lawyers, bankers, real estate agents, personal finance experts, and homeowners who have seen the foreclosure process firsthand, as well as those who have been able to save their homes through loan modifications and other creative methods. Those faced with tough choices will find invaluable guidance to help them make well-informed decisions while managing the emotional fallout each brings. Many of the eleven million people in the U.S. now facing the “underwater” dilemma wonder: Is staying put the only option? What if I can’t pay the monthly mortgage bill? Can I save my home? Underwater: Options When Your Mortgage Is Upside Down outlines the options—when foreclosure is a good idea, how to best protect the equity you've built up, the financial repercussions of going into foreclosure, strategies for renegotiating a loan, taking advantage of government programs designed to keep you happily housed, and more. Veteran financial journalist Chris Lauer provides the facts, ideas, and advice that can help any underwater homeowner—especially those facing foreclosure—make smart decisions for a better future.

Economics. --- Mortgage-backed securities. --- Mortgages. --- Mortgages --- Housing --- Prices --- Business. --- Management science. --- Business and Management. --- Business and Management, general. --- Quantitative business analysis --- Management --- Problem solving --- Operations research --- Statistical decision --- Trade --- Economics --- Commerce --- Industrial management

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Money market. Capital market --- Asset-backed financing --- Mortgage-backed securities --- Titrisation --- Titres hypothécaires --- 339.7 --- 336.7 --- -Mortgage-backed securities --- -AA / International- internationaal --- 333.745 --- Ginnie Mae securities --- Mortgage securities --- Pass-through mortgage securities --- Securities, Mortgage-backed --- Securities --- Asset-backed securities --- Asset-based financing --- Asset securitization --- Securitization, Asset --- Corporations --- Covered bonds --- Internationale financien. Buitenlands betalingsverkeer --(z.o {336}) --- Geldwezen. Kredietwezen. Bankwezen. Financien. Monetaire econonomie. Beurswezen --- effectisering. Titrisatie. --- Finance --- 336.7 Geldwezen. Kredietwezen. Bankwezen. Financien. Monetaire econonomie. Beurswezen --- 339.7 Internationale financien. Buitenlands betalingsverkeer --(z.o {336}) --- Titres hypothécaires --- AA / International- internationaal --- effectisering. Titrisatie

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The discussion in this note seeks to preserve the beneficial features of securitization while mitigating those that may pose risks to financial stability. A comprehensive set of reforms—targeting both supply- and demand-side inefficiencies—will be needed to put securitization back on a sound, growth-supportive footing. The note departs from others in proposing a broad suite of principles applicable to various elements of the financial intermediation chain. After indentifying where policy makers have already made progress, we then propose measures to address remaining impediments to the rehabilitation of securitization markets. We also encourage more consistent industry standards for the classification of risk (albeit applied at a granular rather than overarching level). Finally, we introduce various initiatives that could aid in fostering the development of a diversified non-bank investor base for securitization in Europe.

Securities --- Asset-Backed Financing --- Mortgage-Backed Securities --- Economic Policy --- Financial Risk Management --- Business & Economics --- Political Science --- SECURITIES --- ASSET-BACKED FINANCING --- MORTGAGE-BACKED SECURITIES --- ECONOMIC POLICY --- FINANCIAL RISK MANAGEMENT --- BUSINESS & ECONOMICS --- POLITICAL SCIENCE --- Investments: General --- Money and Monetary Policy --- Industries: Financial Services --- Banks --- Depository Institutions --- Micro Finance Institutions --- Mortgages --- Pension Funds --- Non-bank Financial Institutions --- Financial Instruments --- Institutional Investors --- Investment Banking --- Venture Capital --- Brokerage --- Ratings and Ratings Agencies --- Financial Institutions and Services: Government Policy and Regulation --- Monetary Policy, Central Banking, and the Supply of Money and Credit: General --- General Financial Markets: General (includes Measurement and Data) --- Investment & securities --- Finance --- Monetary economics --- Securitization --- Credit ratings --- Loans --- Financial services --- Money --- Financial institutions --- Asset-backed financing --- Financial instruments --- United States

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As part of the 2011 Financial Sector Assessment Program (FSAP) update for Germany, this Technical Note reviews recent developments of mortgage-covered bond (Pfandbrief) and mortgage securitization markets in Germany, and explores future prospects for each against the background of ongoing regulatory changes. It examines the characteristics of the two markets and their performance through the crisis, and analyzes some of the policy reactions that are currently tending to favor covered bonds over securitization. Some of the systemic vulnerabilities associated with covered bonds are also discussed.

Mortgage-backed securities --- Covered bonds --- Bonds --- Asset-backed financing --- Ginnie Mae securities --- Mortgage securities --- Pass-through mortgage securities --- Securities, Mortgage-backed --- Securities --- Germany --- Economic conditions --- Banks and Banking --- Investments: General --- Investments: Bonds --- Industries: Financial Services --- Money and Monetary Policy --- Banks --- Depository Institutions --- Micro Finance Institutions --- Mortgages --- General Financial Markets: General (includes Measurement and Data) --- Monetary Policy, Central Banking, and the Supply of Money and Credit: General --- Investment & securities --- Finance --- Banking --- Monetary economics --- Securitization --- Loans --- Financial institutions --- Financial services --- Credit --- Money --- Banks and banking