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来源：百度知道 编辑：UC知道 时间：2024/06/21 09:04:59
Depository Institutions ：
First consider the depository institutions who are currently holding mortgages in their portfolio. Their decision to sell these mortgages through securitization would depend on the price they realize through a security sale versus the present value of the net returns obtained when the mortgages are held in portfolio. The net return on the mortgages held in portfolio consists of the gross return on the mortgages minus the cost of funds (including operating costs), hedging costs (to balance the duration of the mortgages with the funding source), mortgage risk costs (mortgage insurance), and bank capital costs.
These elements are likely to vary from institution to institution, as well as from country to country, so it is likely that some institutions will find securitization attractive, while others will not. In fact, it is this variation across institutions that allows mortgage securitization to achieve
the regional equaliz
First consider the depository institutions who are currently holding mortgages in their portfolio. Their decision to sell these mortgages through securitization would depend on the price they realize through a security sale versus the present value of the net returns obtained when the mortgages are held in portfolio. The net return on the mortgages held in portfolio consists of the gross return on the mortgages minus the cost of funds (including operating costs), hedging costs (to balance the duration of the mortgages with the funding source), mortgage risk costs (mortgage insurance), and bank capital costs.
These elements are likely to vary from institution to institution, as well as from country to country, so it is likely that some institutions will find securitization attractive, while others will not. In fact, it is this variation across institutions that allows mortgage securitization to achieve
the regional equaliz
哦哦..很难
存储处机构：
首先考虑现在正在他们的文件夹中握住抵押贷款的存储处机构。 他们的卖穿过 securitization 这些抵押贷款的决定会仰赖当抵押贷款在文件夹中被拿着的时候，他们了解过被获得的安全售卖和净余回返的现在价值比较的价格。在抵押贷款上的净余的回返在文件夹中拿着在抵押贷款上有总共回返减那费用基金 (包括操作费用), 围以树篱费用 ( 用资金来源平衡抵押贷款的期间), 抵押危险费用 (抵押贷款保险), 而且存入银行首都的费用。
这些元素可能从机构变化到机构, 连同从国家到国家，因此它是有可能的一些机构将会找 securitization 吸引人的而其他将不。 事实上, 它是横跨让抵押贷款 securitization 达成的机构的这变化
在抵押贷款利率中的地方均等。 那是, 机构在区域中以高抵押贷款利率将会找 securitization 吸引人的,让他们扩张他们的开始活动, 而且如此减少在他们的区域中抵押贷款利率。