The goal of my thesis is to show the possibilities that financial markets offer nowadays in loans area. Interested person has many options to choose from, nevertheless even the basic orientation in these options is difficult. In my thesis I havenť focus only on theoretical princples of function. I have elaborated particular areas to the form of concrete offers, which reader, interested person in a loan, can nowadays get in czech environment. I'm presenting concrete products financial companies and compare them so, that reader can make clear image about quality single products and can indepedently decide, which product is form him the best. Im warning readers on difficulty connected with single solutions, their charges politics and risks.

The master’s thesis deals with the analysis of the present state, the finding of the contingent deficiencies and the presentation of the improvement suggestions including the concrete measures in granting mortgage credits by Raiffeisenbank, Inc. with a view to advance the competitive strength of the company in the field of mortgage banking. The evaluation and the improvement suggestions are conducted in several component units: in the fields of technical parameters, credit procedure and sales promotions. A partial aim of the thesis concerns the introduction of a new product for the extension of the current supply.

Mortgage managers lack the organizational strategies to evolve after the 2008 economic decline of the U.S. and the global economy. The significance in the lack of organizational strategies threaten the U.S. and global communities with challenges in defaults for homeowners, performance and profits for the mortgage industry that jeopardize solvent economies. The purpose of this qualitative single case study was to explore the strategies mortgage loan managers use to avoid mortgage crises and maintain profitability. The conceptual framework for this study was the social audit theory. The participants of the study were 7 mortgage managers, in the North-Eastern region of the U.S. Data were collected using semistructured interviews as the primary source, and as the secondary source data from public files, press releases, archives, public databases, and the company website. Using methodological triangulation, data, were analyzed and the following 5 themes emerged: adherence to government regulations, training strategies, credit history strategies, work history strategies and income-to- debt-ratio strategies. The potential implications for positive social change include increasing the success rate of lending for mortgage managers, which in return could create profit for mortgage firms, generate employment opportunities, increase the government tax revenues, and contribute to the growth of the U.S economy.

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Mortgage-backed securities (MBS) are similar to traditional fixed-income securities in that they are exposed to interest rate risk. Interest rate risk involves potential losses in value stemming from unfavorable movements of interest rates. There are standard practices that allow investors to measure interest rate exposure and manage this risk by hedging, or reducing the risk, with positions in financial derivative securities. Interest rate hedges do not always work perfectly because of basis risk. Basis risk arises because the movement in an asset's price (MBS) is not perfectly correlated with the movement of the price of the derivatives (Treasury futures) used to hedge interest rate risk. The paper hypothesizes that despite the presence of basis risk, a dynamic hedging strategy using US Treasury futures makes a good hedge for MBS price fluctuations caused by interest rates. Empirical tests reject this hypothesis.

Buying a home is for many households the financially most important purchase they will make. The choice of mortgage instrument is also of importance in that it will determine a household’s financial exposure. In the aftermath of the 2007–2008 financial crisis in the United States, the potential consequences for borrowers and the financial system became apparent in many countries. Even though the choice of mortgage is described as a very complex transaction, international studies have found that borrowers are less than optimally knowledgeable about the possible future consequences of their choice. This lack of knowledge has raised concern and prompted calls for more research on differences between mortgage markets and factors affecting consumers’ mortgage choice. This thesis answers this call by empirically exploring the Swedish case and by offering an expanded knowledge about factors that influence borrowers’ mortgage choice. The thesis consists of five papers, and, in most cases, interviews and questionnaires were used to collect the data, depending on which type of data collection was considered best suited to serve the purpose of the individual paper. A close reading approach was also applied in one of the papers. The findings indicate that in a Swedish setting, there are factors affecting borrowers’ mortgage choice that have not previously been fully explored in the literature: the media and bank advisors. During the period studied, a negative correlation existed between the media and the choice of fixed rate mortgages, whereas a positive correlation existed between bank advisors and the choice of fixed rate mortgages. The study on advice given by a bank advisor also shows the advocacy of a mix of fixed and adjustable mortgage rates. Further findings corroborate those of earlier international studies, such as the impact of income, education, financial literacy and loan-to-value ratios on mortgage choice. A general conclusion that can be drawn from the findings in the Swedish context is that the most financially vulnerable borrowers—those with lower income, lower education and/or higher loan-to-value ratios—are more likely to choose higher levels of fixed rate mortgages (or lower levels of adjustable rate mortgages). In doing so, they avoid exposing themselves to liquidity problems, which can be caused by increasing mortgage rates, and make future mortgage expenditures more predictable. These findings contradict much of the concern that both scholars and financial authorities have expressed about households’ choice of mortgage instrument. Hence, these findings are of importance not only to research on mortgage choice but also to policymakers and the financial industry. / <p>QC 20130924</p>

This dissertation analyzes key features of credit derivatives market, basic risks of the products and trends the market has experienced for several years since its inception, discusses regulatory issues of the market with regard to the Basel II treatment and key reasons for investors using credit derivatives. Dissertation also examines whether and how credit derivatives affected current financial turmoil, analyzes credit derivatives losses of selected institutions on the financial markets and compares them with total losses of these institutions. The main result of the work is that there was no substantial effect of the credit derivatives market on the current financial crisis. Dissertation also examines whether there is any connection between U.S. banks credit derivatives trades and their capital adequacy ratio. According to the analysis, there is no evidence for credit derivatives to essentially affect capital adequacy ratio of U.S. banks. A potential explanation for the higher values of U.S. banks' capital adequacy ratio may be that there are sophisticated risk management strategies banks have been implicating for many years.

by Bok Kwok-cheung, Fok Kai-man, Ling Wai-hong. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1988. / Bibliography: leaves [121-122]

by Ng Pui-wah, Gary. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1991. / Bibliography: leaf 76. / ABSTRACT --- p.i / Chapter I. --- INTRODUCTION --- p.1 / Chapter ´Ø --- Objectives / Chapter ´Ø --- Application of Demand Forecast / Chapter ´Ø --- Organisation of Paper / Chapter II. --- THE RESIDENTIAL PROPERTY MARKET --- p.4 / Chapter ´Ø --- An Overview of the Hong Kong Property Market / Chapter ´Ø --- The Small-to-medium Sized Residential Property Market / Chapter III. --- THE HOME MORTGAGE MARKET IN HONG KONG --- p.15 / Chapter ´Ø --- Definitions / Chapter ´Ø --- Typical types of Mortgage Payments / Chapter ´Ø --- Source of Fund / Chapter ´Ø --- Market Structure 一 A Commercial Bank Perspective / Chapter IV. --- THEORETICAL FRAMEWORK --- p.26 / Chapter ´Ø --- Consumer Demand Theory / Chapter ´Ø --- Economic Model / Chapter ´Ø --- The Dependant Variable / Chapter ´Ø --- The Independent Variables / Chapter V. --- DATA COLLECTION AND ANALYSIS --- p.37 / Chapter VI. --- CONCLUSIONS --- p.65 / Chapter ´Ø --- Income and Substitution Effect / Chapter ´Ø --- Elasticity of Demand / Chapter ´Ø --- Commercial Bank Prospect / Chapter ´Ø --- Other Application / Chapter ´Ø --- Limitations / BIBLIOGRAPHY --- p.76 / APPENDICES --- p.78 / Chapter 1. --- List of Professionals Interviewed / Chapter 2. --- Data on Independant Variables / Chapter 3. --- Regression Results Using December Data / Chapter 4. --- Regression Results Using June Data / Chapter 5. --- Regression Results Using both December & June Data / Chapter 6. --- Regression Results Using Nominal Interest Rate