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[DOC File]Discussion Questions and Problems for Chapter 16
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The cost of funds for the bank is 6 percent for both the old loan and the renegotiated loan. An up-front fee of 1 percent is to be included for the renegotiated loan. a. What is the present value of the existing loan for the bank? The present value of the loan prior to rescheduling is: Payment in Year 1: Principal + Interest = $25m + 0.08 * $50 ...

[DOC File]ww2.justanswer.com
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Explain to Yolanda Tovar why a set of financial statements (income state- ment, statement of owner’s equity, and balance sheet) would be useful to you in evaluating the loan request. Four basic financial statements are income statement, balance sheet, statement of owner’s equity and statement of cash flows.

[DOC File]End of Chapter 16 Questions and Answers
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Loan to Value ratio gives the ratio of debt to property value (LR=L/V) Property value purchases with 75% LTV will be double the property value purchased with 50% LTV. LR will be 4 for LTV of 75% and 2 for LTV of 50% 2.

[DOC File]Chapter Twenty
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The market value of the equity is $35, so the net worth to asset ratio is $35/$861 = .0407. Therefore the company is in compliance with SEC Rule 15C 3-1. Note, for the balance sheet to balance, the market value of the bonds and debentures on the liability side must equal $806.

Fannie Mae
Underwriting Loan-to-Value: The LTV ratio as of the original underwriting. Underwriting Debt Service Coverage: The DSC ratio as of the original underwriting. Current Debt Service Coverage: The DSC ratio as of the inspection date. Original Loan Balance: The original principal amount of the Mortgage Note.

[DOC File]Economics 1123 - Harvard University
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Presumably, the bank wants to make profitable loans, and the loan officer doesn’t want to originate defaults. The loan officer’s decision. Loan officer uses key financial variables: P/I ratio. housing expense-to-income ratio. loan-to-value ratio. personal credit history. The decision rule is nonlinear: loan-to-value ratio > 80%

[DOC File]Seller Concessions and Verification of Sales
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Each dollar exceeding the six percent limit must be subtracted from the property’s sale price before applying the appropriate loan to value (LTV) ratio. The dollar-for-dollar reduction to the sales price also applies when gift funds do not meet FHA requirements.

[DOCX File]ECO671, Spring 2006 , Second homework assignment
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12. Use the Heckit model (see heckman in Stata) with the two-step option to re-estimate the mortgage rate equation. In the sample selection equation, use all the controls that were in the mortgage rate equation except loan-to-value ratio and mort30atloan (these don’t exist for people without loans).

[DOC File]INTRODUCTION
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Mortgage backed securities, security claims on gov't agencies get weights of 20%, Mortgages with 80% loan to value ratio get 50% weight, and commercial loans get weights of 100%. Tier I capital: Common equity, ret. Earnings, non-cumulative preferred. Tier II capital: Allowance for loan & lease losses, other preferred, subordinated debt.

[DOC File]CHAPTER 2
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If the mortgage being underwritten is a one-year ARM with a loan-to-value (LTV) ratio equal to or greater than 95 percent, calculate the Principal and Interest using a rate one percentage point above the loan’s initial interest rate.

[DOC File]ECON366 - KONSTANTINOS KANELLOPOULOS
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Compute the present value of interest tax shields generated by these three debt issues. Consider corporate taxes only. The marginal tax rate is Tc = .35. A $1,000, one year loan at 8%. A five-year loan of $1,000 at 8%. Assume no principal is repaid until maturity. A $1,000 perpetuity at 7%. Solutuion. a. b. c. PV(tax shield) = TC D = $350

[DOC File]Chapter 21 Capital Structure
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4. Explain the relevance of pecking order theory to the selection of sources of finance. 1. Company Value and the Cost of Capital. 1.1 The objective of management is to maximize shareholder wealth. If altering the gearing ratio could increase wealth, then finance managers would have a duty to do so.

[DOC File]Chapter 1 Test Bank - CPA Diary
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Cash $ 3,000 Liabilities $ 9,000 Other assets 33,000 Loan from Nebe 1,000 Loan to Oak 4,000 Nebe, capital (20%) 3,000 Oak, capital (30%) 6,000 Pang, capital (50%) 21,000 Total assets $ 40,000 Total liab./equity $ 40,000 In October, other assets with a book value of $15,000 were sold for $17,000 in cash. Required:

Explain loan to value ratio