Talk:Mortgage industry of Denmark

Comparison with US traditional mortgage backed securities
The Danish approach is being discussed as an alternative to the traditional US system. Here are differences: -Danish borrowers can pay off fixed rate loans at a discount when interest rates increase, reducing “negative equity” and thus reducing defaults. “When everyone else is in a bad mood, they’re in the money.” -Originators are compensated for and retain first loss responsibility covering credit risk on the loans that they make; loan performance is published so bondholders can reassure themselves that credit risk is being adequately covered, improving confidence. -Concern about who is servicing the loans and mandatory loan write downs are limited to originators and have not unnerved bondholders. -Loans and bonds are easy to understand because every originator’s product is like the other originators’ product and described in a national mortgage law. -Documentation and appraised values are consistent because a separately regulated mortgage institute has checked them. -There is no inside information favoring certain investors as bond information is kept in one data base and reports issued through the exchange. -Bond investor confidence and knowledge results in lower bond yields thus lower interest rates. -Standardization and computerization reduces the cost related to process friction. This causes some opposition in Wall Street where underwriting non-standard bonds have resulted in large fees, but is benefitial to the borrowers in both developed and developing markets. —Preceding unsigned comment added by 76.103.81.217 (talk) 18:39, 26 January 2009 (UTC)

Assessment comment
Substituted at 00:27, 30 April 2016 (UTC)

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