Basel Accords and Effects on Real Estate Financing

2014 ◽  
pp. 159-167
Keyword(s):  
Real Estate ◽  
Basel Accords ◽  
Real Estate Financing

Crawford Development Co. and Southeast Bank of Texas

2007 ◽  
pp. 1-10
Author(s):  
Anton Ovchinnikov ◽  
Elena Loutskina ◽  
Casey Lichtendahl ◽  
Jayson Lipsey ◽  
Brian Burke
Keyword(s):  
Interest Rate ◽  
Real Estate ◽  
Financial Crises ◽  
Mortgage Market ◽  
Commercial Development ◽  
Residential Market ◽  
The Interest Rate ◽  
To Receive ◽  
Real Estate Financing

In the early months of the 2007-08 financial crises, a loan manager faces a real estate financing decision. Should he approve a bullet structure three-year loan to a longstanding client, a legendary Texan developer? The developer, who near retirement downsized his business, is seeking financing for his only project: residential or commercial development on an attractive piece of land in suburban Houston. The loan manager considers the decision in light of the mortgage market turmoil, seeing commercial projects as safer, but also factoring that the residential market could bring higher returns if the market stabilizes soon. The manager collects the data and asks an analyst to assess the risks; that ultimately requires assessing the economics of both projects from both the bank’s and the developer’s perspectives. The bank could still change the interest rate on the loan to receive adequate compensation for the risk it carries, but the loan manager knows that doing so will change their long-term client willingness to take on the loan.

Second Mortgages and Land Contracts in Real Estate Financing

1929 ◽  
Vol 29 (7) ◽  
pp. 1036
Author(s):  
Sanford D. Levy ◽  
Samuel N. Reep
Keyword(s):  
Real Estate ◽  
Real Estate Financing

scholarly journals ISLAMIC BANKING AND INVESTMENT FINANCING: A CASE OF ISLAMIC BANKING IN KENYA

2017 ◽  
Vol 2 (1) ◽  
pp. 66
Author(s):  
Abbas Said Abubakar ◽  
Dr. Josiah Aduda
Keyword(s):  
Real Estate ◽  
Motor Vehicle ◽  
Survey Design ◽  
Banking System ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Investment Financing ◽  
Trade Financing ◽  
Real Estate Financing ◽  
Sme Financing

Purpose: The purpose of this study was to establish the effect of Islamic banking on investment financing in Islamic banks in Kenya.Methodology: This study employed descriptive survey design. The population of this research consisted of 8 commercial banks offering Shariah compliant products. The study used secondary data for the period 2009 to 2012. Data was analyzed using Statistical Package for Social Sciences (SPSS) and results were presented in frequency tables and figures. The data was then analyzed in terms of descriptive statistics like frequencies, means and percentages.Results: The study findings indicated that there were various Islamic banking products that Islamic banks used to finance their investments. This included motor vehicle financing, mortgage financing, asset financing, real estate financing, trade financing and SME financing. The study also indicated that there were various modes of financing used by Islamic banking such as profit and loss sharing, Ijara and murahaba. Regression results revealed that motor vehicle financing was statistically significant in explaining loans advanced to customers in Islamic banks.  However mortgage financing, asset financing, real estate financing, trade financing and SME financing were not statistically significant in explaining loans advanced to customers in Islamic banks but they were positively correlated.Unique contribution to theory, practice and policy: The study recommends that the management of the banks to get well equipped and competent employees on Islamic banking products as most Islamic banks are currently managed by people who have been educated and trained in the conventional banking system. Thus, more time may be required for the unique characteristics of Islamic financial instruments to be completely accepted and understood by both bank personnel and customers. It is also recommended that the terms and conditions of acquiring a loan be made more appealing and considerate for more investors to approach the banks for assistance as the Shari`ah restricts the type of businesses for which Islamic banks can provide financing.

Optimising real estate financing

2001 ◽  
Vol 3 (3) ◽  
pp. 286-297 ◽  
Author(s):  
Greg Krzysko ◽  
Claudia Marciniak
Keyword(s):  
Real Estate ◽  
Real Estate Financing

scholarly journals A Didactic Engineering for the development of the Amortization System theme using the HP 12C Calculator Emulator

2020 ◽  
Vol 21 (6) ◽  
pp. 173-191
Author(s):  
Tatiana Lemes Martin ◽  
Clarissa De Assis Olgin
Keyword(s):  
Higher Education ◽  
Real Estate ◽  
Financial Institutions ◽  
Mathematical Knowledge ◽  
Methodological Approach ◽  
Financial Mathematics ◽  
Mathematical Content ◽  
Didactic Engineering ◽  
Real Estate Financing

This article is an excerpt from the master's research related to a Didactic Engineering with the theme of Constant Amortization System and French Amortization System for the development of didactic situations related to the content of Higher Education Financial Mathematics, and which allows the use of the HP 12C financial calculator emulator. Currently, these amortization systems are being used by Brazilian financial institutions for real estate financing. The objective was to investigate how students of Administration and Accounting apply the mathematical knowledge of amortization in situations by using financial calculators. The methodological approach followed the Didactic Engineering steps, both for the construction of the didactic sequence and for its application and validation. The results indicate that the elaborated didactic sequence contributed to the development of the proposed mathematical content, as well as handling and the ways of dealing with the financial calculators in situations involving the amortization calculations.

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