Potential ohne ENDE?
News von Gestern:
http://www.cnbc.com/id/37869701
http://www.cnbc.com/id/37878858
http://www.cnbc.com/id/37878858
http://www.cnbc.com/id/37885702
http://www.cnbc.com/id/37878832
vorbörslich knapp 5% im minus... rette sich wer kann^^
war wohl doch der Bär der hier kurzzeitig erstmal gewonnen hat, dank an seko1982
gruß
tendenziell sind es keine sooo schlechten nachrichten..
schuldverbriefungen und verkäufe dieser... es werden die aufgelegten Benchmarks, bzw anleihen beschrieben welche nun einen etwas höheren zinssatz haben. Das ist ein instrument zur refinanzierung von den Zwillingen... zeigt also mehr ertrag bei den anleihen für kunden, ist aber vielleicht auch wegen erhöhter derzeitiger riskoausprägung notwendig um sie an den mann zubringen und deswegen vlt negativ zu bewerten.... aber irgendwoher bezahlen die zwillinge auch die zinsen dafür.... (vlt überschneidung der aufgelegten anleihen)...
die erhöhte strafen für leute die einfach ohne zu zahlen ihr hausverlassen, weil damit der verkauf der häuser erschwerrt wird...Hier besteht anscheinend handlungsbdarf was zunächst positiv zu werten ist weil nun mehr in dieser richtung getan wird, zeigt aber natürlich auch die derzeitigen probleme der zwillinge etwas besser...
"rette sich wer kann" ist nur meine persönliche Meinung zum heutigen Kursverlauf gewesen, klar sind überlegungen über transactionskosten und investitionsstrategie anzustellen, kauf vor 2009 oder langzeit invest etc ...
jemand der putoptionen hält oder stillhalter einer call ist ... oder oder oder ist davon natürlich nicht betroffen....
Ich versteh ehrlich gesagt auch nicht alles, also wer mehr weiß, bitte um unterrichtung :-) , vielen dank
gruß
sekko1982
WASHINGTON - Mortgage rates fell this week to the lowest level on record, giving consumers added incentive to lock in low payments for home purchases and refinanced loans.
The average rate for 30-year fixed loans sank to 4.69 percent, from 4.75 percent last week, mortgage company Freddie Mac said Thursday.
That's the lowest point since Freddie Mac began tracking rates in 1971. The previous record of 4.71 percent was set in December. Rates for 15-year and five-year mortgages also hit lows.
Mortgage rates have fallen over the past two months as nervous investors have shifted money into the safety of Treasury bonds. The demand for Treasurys has caused Treasury yields to fall. And mortgage rates tend to track the yields on long-term Treasurys.
Yet the falling rates have yet to spark a home-buying boom — or energize the economy. New-home sales collapsed in May after homebuying tax credits expired. The economy also remains under pressure from high unemployment. And many people don't qualify under tightened lending rules.
"As long as prospective homebuyers are still concerned about their jobs and financial well-being, many will be reluctant to take the plunge, even though affordability has never been better," said Greg McBride, senior financial analyst with Bankrate.com.
Low rates throughout the economy also hurt one group of Americans: savers. Puny rates are especially hard on people living on fixed incomes who are earning next to nothing on their savings.
Lending activity remains sluggish. Mortgage application volume dipped 6 percent last week from a week earlier, according to the Mortgage Bankers Association. Refinancing activity fell 7 percent. And mortgage applications to buy homes slipped 1.2 percent.
Many Americans owe more on their mortgages than their homes are worth — often called "under water" — and can't refinance. The Obama administration has launched programs to help borrowers refinance if they owe up to 25 percent more than their home's value and have loans owned or guaranteed by mortgage giants Freddie Mac or Fannie Mae.
About 291,000 homeowners have participated as of March. Yet that's a small fraction of the nearly 15 million homeowners who are under water, according to Moody's Economy.com, and cannot refinance. In hard-hit areas in Nevada and Florida, for example, home prices have fallen 50 percent or more from their highs. Record-low rates can't rescue those homeowners.
"It's not the desire to refinance; it's the ability to refinance," Chris Brown, a loan officer with Trinity Mortgage Co. in Orlando, Fla. "A lot of the people who can already have."
Given the costs of refinancing, some mortgage experts say a refinancing can be worthwhile if you can shave at least 0.75 percentage point from an existing rate. Others suggest waiting until you can lower your rate by at least a point.
Despite some lenders' ads, refinancing is never free. A fee normally goes to the mortgage broker or lender. There are also fees for title insurance, a new appraisal, document processing and other charges. Often, mortgage brokers or lenders create the appearance of a "no fee" mortgage by adding the costs to a total loan amount or by charging a higher interest rate.
People considering refinancing should factor in such fees. They should also calculate how many months it would take to recover them. For those who expect to stay in their home for two years or less, the fees might outweigh the savings from a lower rate.
Freddie Mac collects mortgage rates on Monday through Wednesday of each week from lenders around the country. Rates often fluctuate, even within a given day.
Rates on 15-year fixed-rate mortgages fell to an average of 4.13 percent. That was the lowest on records dating to September 1991. It was down from 4.2 percent a week earlier.
Rates on five-year adjustable-rate mortgages averaged 3.84 percent, down from 3.89 percent a week earlier. That was also the lowest on Freddie Mac's records, which date back to January 2005 for such loans.
Average rates on one-year adjustable-rate mortgages fell to 3.77 percent from 3.82 percent. That was the lowest average since May 2004.
The rates do not include add-on fees known as points. One point is equal to 1 percent of the total loan amount.
The nationwide fee for loans in Freddie Mac's survey averaged 0.7 a point for 30-year, 5-year and 1-year loans. The average fee for 15-year loans was 0.6 of a point.
WASHINGTON - Big banks have mounted a last-ditch lobbying effort to kill a House proposal to add ailing mortgage giants Fannie Mae and Freddie Mac to the type of firms that would be subject to liquidation at financial industry expense.
House negotiators inserted the provision last week to a massive overhaul of financial regulations at the insistence of Republican lawmakers. Senate negotiators have moved to reject it and will likely succeed.
The issue became a side-skirmish Thursday as House and Senate lawmakers struggled to overcome some of the stickiest differences between the House and Senate versions of the bill to overhaul banking regulations and prevent another financial meltdown.
The overarchto cover unlimited Fannie and Freddie losses through 2012, lifting an earlier cap of $400 billion.
Banks now fear getting stuck with that cost.
"We have since heard a great deal of distress from our major financial institutions who feel this might put them on the hook for this," House Rep. Barney Frank, the chairman of the joint conference committee, said Thursday. "I don't believe that was the intent, but I can't be sure it's not the impact."
Republicans took delight in pointing outank, D-Mass., and Senate Banking Committee Chairman Christopher Dodd are pushing to complete the bill by Thursday evening. They want President Barack Obama to have the conference agreement in hand in time for his meeting with the Group of 20 nations this weekend in Toronto.
If completed, the House and Senate could vote for final passage next week.
But Dodd, D-Conn., was having difficulty finding agreement on two central issues — how far to restrain banks from engaging in speculative investments with their own money and whether to force the largest bank holding companies to spin off their business in complex derivatives into separate subsidiaries.
Key votes, including those of Sens. Blanche Lincoln, D-Ark., and Scott Brown, R-Mass., hung on the outcome of the talks.
es leihen sich z. zt. weniger leute geld für weniger hauskäufe, obwohl die zinsen ein tiefstniveau haben, dagegen sind die zinsen der herausgegeben anleihen gestiegen(refinanzierungszinsatz)....zudem versucht obama die ominöse bankenteilung durch den senat zudrücken...
zudem kommt (ist off topic aber dennoch wichtig) die geänderten länder bzw anleihen ratings hinzu...
schaut euch fast ALLE finanztitel heute an, eine bestätigung der efficient market hypothesis....
ich spam den thread einfach mal voll^^... wer lesen will kann lesen....
Real Estate Reporter
Dare I say it? "What took you so long??"
An announcement from government-owned mortgage giant Fannie Mae warns: "Defaulting borrowers who walk-away and had the capacity to pay or did not complete a workout alternative in good faith will be ineligible for a new Fannie Mae-backed mortgage loan for a period of seven years from the date of foreclosure."
I have to ask: Why only seven years? Up the ante!
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AP |
Look, I understand that a lot of folks are sitting on overwhelming bundles of negative equity in the form of four walls.
A very credible argument can be made that a bad investment should not be a jail term.
However, a lot of the housing crash was based on a fundamental change in attitudes toward home ownership, i.e. that a home is an investment before a dwelling.
The pendulum needs to shift back, not all the way, but more toward the traditional use of home: A place to live, not an A.T.M.
"Fannie Mae will also take legal action to recoup the outstanding mortgage debt from borrowers who strategically default on their loans in jurisdictions that allow for deficiency judgments," notes the press release.
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I'm wondering why they haven't been doing that all along?
My guess is they simply don't have the legal resources available to handle such a huge job...which brings me to my final thought:
If the mortgage walk-away issue is big enough for Fannie Mae [FNM 0.3803 
-0.0297 (-7.24%) 
] to get this tough, then why have Administration officials been telling me over and over that "it's just not that big an issue."
Seriously, I've done several interviews over the past year, bringing it up over and over, and they just seem to want to sweep it under the rug.
I guess the rug is getting a bit too bumpy.
sekko1982
Nach der Finanzmarktreform in den USA sind die Bankenwerte gestiegen, da nun Sicherheit herrscht, was alles auf die Banken zukommt.
Müsste auch unserer Fannie helfen, wenn die Finanztitel sich erholen.
sekko1982
fannies gewinne wurden beim after hour trading genauso kompensiert wie die verluste von freddi... also war der gestrige tag nur eine seitwärtsbewegung ohne kursveränderung....
also nun wieder:
fnm 0,38 dollar cents
fre 0,47 dollar cents