c*****r
发帖数: 8227 | 1 According to the rumor, the Obama administration could announce a program
modeled on one that was originally devised by Columbia University economists
Glenn Hubbard and Christopher Mayer. Under that plan, all homeowners with a
Fannie or Freddie-backed mortgage can refinance with a new mortgage at a
fixed rate of 4.2% or less if they have been current on their payments for
at least three months. And the clincher is that the plan imposes no other
qualification - no appraisal or income verification.
The typical borrower would reduce his or her principal and interest payments
by about $350 dollars, a total reduction in mortgage payments of nearly $
100 billion per year, according to Hubbard. It is expected to help refinance
$3.7 trillion in mortgages and would come at an immediate fixed cost of $
121 billion to the government.
"Talk about a political and economic game changer in this presidential
election year. Obama could offer a trillion-dollar stimulus -- as measured
over a decade -that would directly and immediately impact tens of millions
of Americans suffering from the housing depression," the article said, which
seems to have spawned the $1 trillion refinancing program rumor on twitter. |
t******o
发帖数: 3223 | 2 靠， 我老在金融危机刚发生的时候就有此建议了， 所有homeowner一律统一refinance
, 固定4.几的利率， 不需要做哪些个杂七杂八的，
早死早超生
economists
a
payments
refinance
【在 c*****r 的大作中提到】
: According to the rumor, the Obama administration could announce a program
: modeled on one that was originally devised by Columbia University economists
: Glenn Hubbard and Christopher Mayer. Under that plan, all homeowners with a
: Fannie or Freddie-backed mortgage can refinance with a new mortgage at a
: fixed rate of 4.2% or less if they have been current on their payments for
: at least three months. And the clincher is that the plan imposes no other
: qualification - no appraisal or income verification.
: The typical borrower would reduce his or her principal and interest payments
: by about $350 dollars, a total reduction in mortgage payments of nearly $
: 100 billion per year, according to Hubbard. It is expected to help refinance
|
t******o
发帖数: 3223 | 3 美国现在的refinance 程序 就是纯粹的脱裤子放屁， 应该学习加拿大的先进经验 |
P**H
发帖数: 2272 | |
t******o
发帖数: 3223 | 5 印
【在 P**H 的大作中提到】
: where is the money?
|
c*****r
发帖数: 8227 | 6 印！
【在 P**H 的大作中提到】
: where is the money?
|
P**H
发帖数: 2272 | 7 The House will kill the bill
【在 t******o 的大作中提到】
: 印
|
k********f
发帖数: 6033 | 8 Doesn't matter. The market need this rumor to fly.
【在 P**H 的大作中提到】
: The House will kill the bill
|
P**H
发帖数: 2272 | 9 The market also needs to clear the rumor and give us a dip to buy.
【在 k********f 的大作中提到】
: Doesn't matter. The market need this rumor to fly.
|
l*****u
发帖数: 12114 | 10 这个和sub-prime没有任何区别。就是无选择贷款。 巴马大兄弟看了也瘫了。
economists
a
payments
refinance
which
twitter.
【在 c*****r 的大作中提到】
: According to the rumor, the Obama administration could announce a program
: modeled on one that was originally devised by Columbia University economists
: Glenn Hubbard and Christopher Mayer. Under that plan, all homeowners with a
: Fannie or Freddie-backed mortgage can refinance with a new mortgage at a
: fixed rate of 4.2% or less if they have been current on their payments for
: at least three months. And the clincher is that the plan imposes no other
: qualification - no appraisal or income verification.
: The typical borrower would reduce his or her principal and interest payments
: by about $350 dollars, a total reduction in mortgage payments of nearly $
: 100 billion per year, according to Hubbard. It is expected to help refinance
|
|
|
j*****n
发帖数: 3617 | 11 refi的rate不是问题，amount才是问题。如果你peak的时候50万入手，现在fair
market value只有15万，银行是应该4.2% or less给你refi50万还是15万？ |
c*****r
发帖数: 8227 | 12 条件成熟了：
欧洲一时半会儿是缓不过来了；
眼见着中国也要趴窝了。
国际资本将大规模回流美元资产。
大鳄们救得差不多（吃饱了），
也该屁民喝口汤了！
【在 l*****u 的大作中提到】
: 这个和sub-prime没有任何区别。就是无选择贷款。 巴马大兄弟看了也瘫了。
:
: economists
: a
: payments
: refinance
: which
: twitter.
|
c*****r
发帖数: 8227 | 13 本谣言针对的是GSE（Fannie, Freddie) Loans.
银行基本就是打酱油的。
【在 j*****n 的大作中提到】
: refi的rate不是问题，amount才是问题。如果你peak的时候50万入手，现在fair
: market value只有15万，银行是应该4.2% or less给你refi50万还是15万？
|
d******8
发帖数: 1972 | |
t***s
发帖数: 4666 | 15 it actually makes a lot of sense. how does the canadian do it?
【在 t******o 的大作中提到】
: 美国现在的refinance 程序 就是纯粹的脱裤子放屁， 应该学习加拿大的先进经验
|
d******8
发帖数: 1972 | 16 “The Street is very willing to believe it,” adds Jon Najarian. “Options
action in Bank of America,” have been very bullish.
Does that mean bank stocks are on the brinkof a sell-off? Not necessarily.
F |
