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- 5 Credit reports always include which of the following information A) Borrower's former spouse's name B) Borrower's name and Social Security number C)The number of people in a borrower's household and their names D)Loan amounts and payment patterns up to a five-year history periodState 5 pros and cons of financial statements analysis in credit risks management.Describe 3 criteria of the 13 minimum standards on which plan status is determined to qualify retirement plans for preferential tax treatment
- Over the last, the two decades, there has been rapid transformation within the financial system, this has brought about in its wake series of new risk challenges, explain what type of risk management policies a typical policies a typical financial institution will put in place to effectively manage the risks listed below (a) (b) Market risk Interest rate risk Credit risk (d) Operational riskB Why do lenders need liquidity? to qualify for FHA insurance so they can put their money in long- term assets so they have the funds to originate more loans so loans can be packaged together to create MBSS 19:31 ✓Analyse the interest rate risk of the following securities, and rank them from lowest risk to highest risk. Justify your ranking. (i) (ii) (iii) (iv) 270-day Treasury Bill Government treasury 30-year zero coupon bond 180-day commercial paper 10-year 5% coupon bond with "B" rating
- 3 00 Which of the following is/are fully exempt from Capital Gains Tax? Select one: O a. A family home which was owned for 15 years by the taxpayer and has been rented out for the last 7 years as the taxpayer relocated to the UK for work purposes. The owner, upon returning to Australia, has lived in the property for 2 months prior to selling the house (to fund the purchase of a new family home). There have been no other claims of main residence by the taxpayer. O b. A motor vehicle purchased by the taxpayer, held for 24 months then disposed of for a value above the cost base. c. O d. O e. A lottery win by a Uber driver. Two of the specific events are fully exempted from CGT. All of the specific events are fully exempted from CGT.What is the APR on a $700,000 fixed rate mortgage loan fully amortizing over 30 years if the stated annual interest rate is 5.5% and the lender charges 1.5% as an origination fee, $750 for an appraisal and $18 for a credit report? a.5.65% b.5.72% c.5.36% d. 5.5%What is the main reason lenders pay borrowers' property taxes through a pre-paid escrow account? It prevents a tax lien from being applied to the home. The tax lien would be senior to the mortgage lien. It prevents the borrower from refinancing with another lender because they would lose all of their escrow funds. It allows the lender to earn interest on the pre- paid tax money as itsits in the account. It allows the lender to take advantage of corporate tax deductions.
- Credit reports always include which of the following information A) Borrower's former spouse's name B) Borrower's name and Social Security number C) The number of people in a borrower's household and their names D)Loan amounts and payment patterns up to a five-year history period28-Which of the following deals with the management of money? Banking Finance Trading AccountingThrifts invest in mortgages for which of the following reasons? I. Regulatory incentives to remain concentrated in mortgages II. To reduce interest rate risk III. Managerial expertise in mortgages IV. To engage in matched funding O II and III O I and II O II and IV O I and III.