8. Debt Consolidation – savingandinvesting.com
June 7, 2010 - 2:01 am
Posts Tagged ‘business’
Some of the principles behind consolidating your debt explained.Work From Home Top Income Earner Making Money Online For You
June 4, 2010 - 9:54 pm
http://www.YourSelflessWealth.com
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Duration : 0:10:13
TALF Deals May Generate $3B In Mortgage-Back Bonds – Bloomberg
June 4, 2010 - 9:53 pm
Commercial property companies may sell about $3 billion of mortgage-backed bonds in September. (Bloomberg News)
Duration : 0:0:28
MyRate on Brisbane Extra
June 4, 2010 - 9:28 pm
MyRate featured on Brisbane Extra. With the current interest rate increase of NAB and Commonwealth bank’s mortgage products australian’s are shopping around for the best mortgage deals offered. MyRate currently offers the lowest fixed and variable loans on the market, beating banks and other lenders.
Duration : 0:3:43
The Big Mortgage Rip Off Scandal!
June 4, 2010 - 9:08 pm
If you have an adjustable rate mortgage, an equity line of credit, or impound account, you may be due a refund of up to $10,000
Duration : 0:8:48
Daily Briefing, Monday March 03, 2008
June 4, 2010 - 9:08 pm
Intro
Hello. I’m Bernard Hickey with the daily briefing from interest.co.nz…
Today, we’ll look at the latest signs of stress in a housing market where the bubble is bursting,
We’ll look at the latest news from the global credit crunch and what it might mean here for interest rates and our exchange rates,
And finally we’ll preview the next big batch of mortgage rate resets and how it will coincide quite nicely with the election.
Story 1,
Firstly we look at some signs emerging of real stress in the housing market.
Essentially the bubble is bursting and we’re at that exact stage where the bubble pops, covering everyone in soap.
The Sunday Star Times has reported that all 21 house auctions it watched in the last week failed to sell the house, either at auction or after auction. It seems some of the auctions even failed to raise a bid.
Real estate agents report that auction failure rates have more than doubled to 70% in the last year.
It’s clear the market is in deep trouble when you look at the pointy end of the process — mortgagee sales.
We’ve just started an index measuring mortgagee sales listed on trademe.co.nz and realestate.co.nz. This week we saw a big increase to 212 properties listed from 154 properties listed last week.
However this should be taken with a grain of salt. Barfoot and Thompson, which is the biggest real estate agency group, have just started listing their properties with trademe. So their mortgagee sales were included for the first time.
But it is clear there’s a rising trend of mortgagee sales.
Story 2
Now let’s have a quick look at the latest news on the credit crunch coming through from America.
New Zealanders are starting to work out this really matters now that some of the banks are putting up fixed mortgage rates because of higher wholesale mortgage rates, which are directly linked to the turmoil on global credit markets since the sub-prime credit crisis hit the markets midway through last year.
Late on Friday UBS predicted that the big banks may have to book losses of US$600 billion because of exposures to toxic bonds that aren’t paying their way. And then we saw more news that the housing market in America is in dire straights.
There are now more than half a million new houses that are sitting there empty. More than 300,000 of those are empty because people pulled out of initial deals to buy the house.
This latest batch of bad news had real impact on financial markets late on Friday. Stock markets fell more than 3% and the nerves hit those currencies seen as slightly riskier because they depend on the carry trade, where investors borrow in one cheap currency and invest in another currency with higher interest rates.
That meant the New Zealand dollar fell sharply this morning to below 80 cents. This is likely to mean higher interest rates too as nervous global investors demand more for the money they lend us to finance our current account deficit.
Story 3
And finally we look ahead over the rest of the year to an impending rash of mortgage rate resets.
You might remember back in the spring of 2004 the BNZ launched its unbeatable campaign for 2 year fixed mortgages that sparked a price war and a heavy bout of lending. This gave the housing market a second wind.
Those mortgages were reset for the first time in the spring of 2006 and now they’re due to be reset again in the spring of 2008.
We estimate over $40 billion of mortgages or more than 300,000 mortgages will be reset and their mortgage rates will rise from 7.99% to around 9.7%. For someone with a 250,000 dollar mortgage it means their weekly payments will rise by around $60.
This will all happen around the time of the election later this year and will no doubt sharpen political minds on the effects of their policies on interest rates.
In particular the effects of big tax cuts, which the Reserve Bank governor Alan Bollard has warned would increase inflation and may force him to put up interest rates.
I’m Bernard Hickey from interest.co.nz with the Daily Briefing. Catch you on Tuesday.
Duration : 0:4:21
# 2-5 FREE MORTGAGE TRAINING LESSON LOAN OFFICER SURVIVAL
June 4, 2010 - 9:06 pm
# 2-5 FREE MORTGAGE TRAINING LESSON LOAN OFFICER SURVIVAL: AVOIDING RATE SHEETS AND OTHER DISTRACTIONS AT THE BEGINNING OF YOUR MORTGAGE TRAINING
“In this mortgage training portion we’re going to talk about the wholesale mortgage lender account executive rate sheets and how they fit into your daily sales focus. Don’t get distracted by all the numbers, there’s a reason why I want you to pay attention to what I have to say and not get distracted by them. Top producers learnt this technique early on in their careers and now you will too.”
This free mortgage training lesson has been brought to you by Battlecall.com. Audio lesson courtesy of Erik Webster.
ABOUT US:
Visit Battlecall.com for our FREE “Sink Or Swim” loan officer newsletter, mortgage training, mortgage marketing advice and more. We have thousands of resources to help you close more loans in less time and make more money. Stop wasting time on deals that don’t close! Become a Battlecall Warrior today and learn how you can win the mortgage war…
http://www.Battlecall.com
Duration : 0:9:23
The Mortgage Market – Bloomberg
June 4, 2010 - 9:06 pm
Interview and analysis with Roger Bayston of Franklin Resources. (Taking Stocks)
Duration : 0:4:42
Stay in the game, RBNZ tells lenders
June 4, 2010 - 9:02 pm
The Reserve Bank has called on major banks to “stay in the game” and continue lending to creditworthy businesses and other borrowers.
The central bank’s exhortation, delivered with yesterday’s Financial Stability Report, comes a week after business groups said many of their members were effectively being starved of the credit they needed to survive and grow.
RBNZ deputy governor and head of financial stability Grant Spencer had three key messages for the banks yesterday and No 1 was: “Banks should continue to lend to creditworthy borrowers and avoid any excessive tightening of credit conditions.
“This is an issue,” said Spencer when asked if the banks were being too cautious in lending to businesses.
“We have seen a significant slowdown in lending to business and we think most of that is demand driven but there’s also a supply issue. There’s been a tightening of credit constraints and covenants and we’re watching the situation closely to make sure that situation doesn’t get too tight.”
In response, New Zealand’s biggest bank, ANZ National, said it recognised the importance of maintaining the flow of capital into the economy.
“Earlier this year we made a commitment to provide $4 billion in new lending to New Zealand farms and businesses. We are well on track to meet or exceed that target.”
Spencer said the RBNZ was encouraging banks to make sure their actions were consistent with their words: “That they’re staying in the game and continuing to fund the New Zealand economy.”
While the RBNZ yesterday acknowledged “current conditions warrant caution” for lenders, Spencer pointed out the central bank and government had taken a lot of measures to ensure credit continued to grow, including cutting official interest rates, loans to banks using residential mortgage backed securities as collateral and the taxpayer-backed retail and wholesale funding guarantees.
However, the Employers and Manufacturers Association and Auckland Chamber of Commerce last week said their members were reporting difficulty in obtaining credit and at February’s Jobs Summit, RBNZ Governor Alan Bollard warned banks not to underestimate “the amount of corporate anger that’s out there currently with regard to the banking system”.
A burst of new retail debt issues by corporates this year is widely seen as a reaction against tougher credit conditions imposed by banks.
Spencer said the banks had indicated they had already received the RBNZ’s message, but “we don’t always hear the same stories from their customers”.
Spencer also said the RBNZ continued to have concerns about the level of debt in the rural sector in general and the dairy sector in particular.
“There’s potentially a concentration of risk if you see a significant downturn in commodity prices,” he said. “We’ve seen a drop in dairy prices but we’ve also seen a little bit of a bounce. We need to make sure banks have buffers in place to handle a more substantial shock … in today’s world you’re never sure what’s around the corner.”
The RBNZ was in discussions with banks over the level of capital they hold to support agricultural lending.
THREE POINTS
The RBNZ’s three messages for the banks:
* Keep lending to creditworthy borrowers.
* Keep provisioning up and maintain strong capital buffers against any further deterioration in the international markets.
* Seek more longer-term offshore wholesale funding to reduce vulnerability to further shocks.
Duration : 0:3:2
John Geilfus / Maranatha Mortgage Corp. / Shepherd’s Guide Advertiser / Baltimore MD
June 4, 2010 - 8:58 pm
The Shepherd’s Guide, connecting Christian consumers with Christian businesses, churches, ministries and schools since 1980. Visit us online at www.shepherdsguide.com
Baltimore MD Shepherd’s Guide Video / John Geilfus / Maranatha Mortgage Corp.
Duration : 0:1:52