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Academic literature on the topic 'Mortgage guarantee insurance Australia'

Author: Grafiati
Published: 10 December 2022
Last updated: 29 January 2023

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Journal articles on the topic "Mortgage guarantee insurance Australia"

1

Petersen, M. A., J. Mukuddem-Petersen, M. P. Mulaudzi, B. de Waal, and I. M. Schoeman. "Subprime Risk and Insurance with Regret." Discrete Dynamics in Nature and Society 2010 (2010): 1–52. http://dx.doi.org/10.1155/2010/950413.

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This paper investigates some of the risk and insurance issues related to the subprime mortgage crisis. The discussion takes place in a discrete-time framework with a subprime investing bank being considered to be regret and risk averse before and during the mortgage crisis, respectively. In particular, we investigate the bank's investment choices related to risky subprime structured mortgage products and riskless treasuries. We conclude that if the bank takes regret into account, it will be exposed to higher risk when the difference between the expected returns on subprime structured mortgage products and treasuries is small. However, there is low-risk exposure when this difference is high. Furthermore, we assess how regret can influence the bank's view of a rate of return guarantee from monoline insurers. We find that before the crisis, regret decreased the investment bank's preparedness to forfeit on returns when its structured product portfolio was considered to be safe. Alternatively, risk- and regret-averse banks forfeit the same returns when their structured mortgage product portfolio is considered to be risky. We illustrate the aforementioned findings about structured mortgage products and monoline insurance via appropriate examples.
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2

Aeny, Putri Qoriyati, and Arpangi Arpangi. "The Juridical Study Claims for Cancellation of Insurance Rights Auction Execution." Sultan Agung Notary Law Review 3, no. 2 (June 30, 2021): 473. http://dx.doi.org/10.30659/sanlar.3.2.354-378.

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This study aims to examine the issue of the lawsuit for canceling the execution of credit guarantee auctions that are burdened with mortgage rights in the Boyolali District Court Decision Number 64/Pdt.G/2018/PN Byl. Reviewing Judges' Considerations in Deciding Cases on Claims for Cancellation of Execution of Mortgage Auctions. Reviewing the Legal Consequences of Lawsuits for Cancellation of Execution of Mortgage Auctions. This research is a normative juridical research. This research focuses on document or library research which essentially looks for theories, views that have correlation and are relevant to the problems to be studied. The results of the study concluded that the lawsuit for the cancellation of the execution of the credit guarantee auction that was burdened with mortgage rights in the Boyolali District Court Decision Number: 64/Pdt. G/2018/PN Byl, which starts with the provision of Local Credit Facilities (Current Accounts) with a credit limit not exceeding IDR 1,700,000,000.00 (one billion seven hundred million rupiah), based on Credit Agreement No. 125/PK/KRED/SLA/2008 dated October 13, 2008, and has been amended and updated several times, most recently by Amendment to Credit Agreement No. 145/AD/KRED/SLA/2015 dated October 6, 2015, and has been extended several times, most recently with the Notification of Extension of Period No. 145/AD/KRED/SLA/2015. 00118/SLA/SPPJ/2017 dated October 12, 2017. However, during the credit agreement period, the Plaintiff defaulted because he did not make installments every month, so Defendant I had given warning letters 3 times, therefore Defendant I through Defendant II carried out an auction execution of the object of credit guarantee that had been registered with the Mortgage Rights. The judge's consideration in deciding the lawsuit for the cancellation of the execution of the mortgage auction that was burdened with Mortgage was based on the exception of Defendant I and the evidence presented at the trial, which showed that the auction of the execution of the mortgage on the Collateral Object had been carried out in accordance with Article 22 PMK No. 27/PMK.06/2016, namely by the Class I Auction Officer at the Surakarta KPKNL is legally valid. The legal consequences of the Boyolali District Court Decision Number: 64/Pdt. G/2018/PN Byl that the auction of Mortgage Execution conducted by Defendant I and Defendant II of the collateral that is guaranteed by the credit agreement through the Surakarta State Property and Auction Service Intermediary Office (KPKNL) is legal according to law. The legal consequence for the Plaintiff is the obligation to pay court fees.
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3

Kurnianda, Aqsa Januar Widi. "Legal Cancellation of Property Rights Certificate to Land which is Enough with Insurance Rights." Sultan Agung Notary Law Review 3, no. 3 (August 18, 2021): 973. http://dx.doi.org/10.30659/sanlar.3.3.973-985.

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If observed, the provisions of Article 32 paragraph (1) of the PP on Land Registration have weaknesses, where the state does not guarantee the truth of the physical data and juridical data presented and there is no guarantee for the certificate owner because at any time they will get a lawsuit from other parties who feel aggrieved over issuance of certificate. And if it turns out that in the future the land rights are disputed and the mortgage giver is declared not as the person / party entitled to the land, which will thus have implications for the mortgage that burdens the land rights. This study aims to find out the legal consequences of canceling a certificate of ownership of land that is being encumbered by Mortgage at the Land Office of Palembang City and to find out the legal protection for separate creditors as holders of Mortgage on the canceled land title certificate. The approach method used in writing this law is sociological juridical which means carried out with observation steps carried out in accordance with the formulation of the problem, collecting data from literature or doctrinal research from secondary materials and interviews and to find out the problems being researched which in this case relates to the object. study. The research problem is analyzed with the theory of authority, the theory of legal certainty, and the theory of legal protection. The results of the study indicate that the legal consequences of canceling the certificate of ownership of land that are being encumbered with Mortgage Rights, namely the change in the position of the creditor, which was originally located as a preferred creditor which has material rights, then is located as a concurrent creditor who has individual rights. Legal protection for creditors for the abolition of the object of mortgage can be obtained with preventive legal protection and repressive legal protection. Preventive legal protection is legal protection that is preventive in nature, that is, it can be through an agreement by including a clause regarding the replacement of the dependent object with other objects owned by the debtor in the event of the elimination of the right to the dependent object that is burdened with the mortgage.
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4

Peng, Yanling, Yuansheng Jiang, and Yu Hong. "Heterogeneous Preferences for Selecting Attributes of Farmland Management Right Mortgages in Western China: A Demand Perspective." Land 11, no. 8 (July 26, 2022): 1157. http://dx.doi.org/10.3390/land11081157.

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Farmland management right mortgages (FMRMs) are emerging land financing products in China. However, the development of FMRMs and farmers’ demands for them are poorly understood. This study applied an in-the-field choice experiment of 1815 farmers, conducted in China, to examine farmers’ demands for FMRMs and explore their heterogeneous preferences regarding the attributes of FMRMs. Results from the random parameters logit model suggest that farmers are interest-rate sensitive and willing to pay for FMRM products that use farmland management rights as the sole collateral, enabling amortization, and without insurance and guarantee requirements. Results from the latent class model further suggest that guarantee takers strongly prefer lump-sum repayments and are more inclined to select insurance and guarantees relative to their counterparts, while guarantee averters strongly prefer to pay off loans with amortization and have positive propensities to purchase insurance. Moreover, female farmers with high education levels, entity identities, and loan experiences are more willing to pay off their loans at once and purchase insurance. Our findings provide insight into the roles of financial product attributes and borrowers’ characteristics in their demand for FMRMs. It may facilitate the design of optimal portfolios and adoption incentives for land mortgage products.
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5

Jha, Gautam Kumar, Ni Komang Arini Styawati, and I. Nyoman Sumardika. "Encumbrance of Mortgage Rights on Uncertified Land." Sociological Jurisprudence Journal 5, no. 1 (February 28, 2022): 56–60. http://dx.doi.org/10.22225/scj.5.1.2022.56-60.

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In the General Explanation of Mortgage Law (UUHT) it is stated that there are two absolute elements of land rights that can be used as mortgage objects, one of which is that the right in accordance with applicable provisions shall be registered at the Land Office. Thus, every Mortgage Object shall be registered and have a land title certificate. Nevertheless, on land having not been certified, Mortgage Rights may also be charged as long as the grant is carried out at the same time as the application for registration of the land rights in question. The problem is how to carry out the registration of mortgage rights on uncertified land and what are the legal consequences of granting mortgage rights to uncertified land rights? This study uses a juridical-empirical research method. There are two types of data used, such as primary and secondary data. The encumbrance of Mortgage Rights on land having not been certified has never been carried out by banks by making a Deed of Encumbrance of Mortgage Rights (APHT) directly. Banks are only limited to making a Power of Attorney to Charge Mortgage (SKMHT) only. The consideration for not making APHT for land that has not been registered is because the ownership of the titles to the land is not yet clear. In practice, Notaries/Land Deed Officials always make SKMHT in accordance with Article 15 (4) UUHT to bind collateral for land that has not been certified. This is an obstacle because the certification process takes more than 3 months, even a year. In dealing with problems in the form of unpaid loans with uncertified land collateral, while the debtor has died and left an heir, then there are several ways of settling the bank, such as: if the credit is due, then the payment is taken over by credit insurance. If the credit has matured and the credit insurance has expired, it will be billed until it is paid off to the heirs in a family manner by offering interest relief on the loan, asking the heirs concerned to make an underhand sale of the object of the guarantee.
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6

Aryani, Fransisca Kusuma, and Gunawan Djajaputra. "PERLINDUNGAN HUKUM BAGI KREDITUR PEMEGANG HAK TANGGUNGAN TERHADAP SENGKETA AGUNAN YANG MENGAKIBATKAN BATALNYA PERJANJIAN KREDIT." Jurnal Hukum Adigama 1, no. 1 (July 17, 2018): 26. http://dx.doi.org/10.24912/adigama.v1i1.2135.

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The process of granting credit with the guarantee of Mortgage Rights experienced many obstacles, one of which is the cancellation of credit agreement due to a lawsuit from a third party. Examples of problems that will researchers take is a case between PT PNM as creditor and Erlinawati as a debtor. Erlinawati applied for credit to PT PNM and pledged SHM No. 1716 without her husband's agreement, Bagus Satriya. As time went by, Erlinawati could not fulfill its obligations as stipulated in the credit agreement, and then PT PNM sent a warning letter to Erlinawati. Good people who know the land and buildings of his property are used as a direct guarantee to file a lawsuit to the Blora District Court. The Blora District Court ruled that credit agreements and Deed of Mortgage Rights (APHT) are invalid and null and void. So far the legal protection for debtors who have sued from the other party on the guarantee given by the creditor has not been regulated specially in the legislation. The law only regulates bad debts and debt repayment through the execution process stipulated in the Law on Banking and Insurance Rights Act. Legal protection that creditor can use when obtaining a lawsuit from a third party is by using the general guarantees provided for in Articles 1131 and 1132 of the Civil Code.
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7

Aluko, Bioye Tajudeen. "RELIABILITY OF MORTGAGE VALUATION FOR INSTITUTIONAL LENDING IN NIGERIA." International Journal of Strategic Property Management 8, no. 4 (December 31, 2004): 193–203. http://dx.doi.org/10.3846/1648715x.2004.9637517.

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The growing number of distressed banks in Nigeria and the recognition of mortgage valuation as a measure of investment performance of collaterals to mitigate the risks of loan underwriting process necessitates this study. It examined whether open market valuations of mortgage properties were a good proxies for their sale prices. Pooled data, involving 121 open market sales during the period 1994 to 2002, on property transactions in the study area with their corresponding contemporaneous valuations were gathered from the estate surveying and valuation firms, the lending institutions and the Nigerian Deposit Insurance Corporation. The data emanating therefrom were analysed with the aid of multiple regression models. The study revealed, amongst other things, that open market valuation for mortgage is a good proxy for their transaction price in the study area; although, the accuracy is not as good as what obtains in U.K, U.S.A. and Australia.
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8

Ji, Min, Mary Hardy, and Johnny Siu-Hang Li. "A Semi-Markov Multiple State Model for Reverse Mortgage Terminations." Annals of Actuarial Science 6, no. 2 (May 15, 2012): 235–57. http://dx.doi.org/10.1017/s1748499512000061.

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AbstractReverse mortgages provide a mechanism for seniors to release the equity that has been built up in their home. At termination, the mortgagors are usually guaranteed to owe no more than the value of their property. The value of the reverse mortgage guarantee is heavily dependent on the maturity or termination date, which is uncertain. In this paper, we model reverse mortgage terminations using a semi-Markov multiple state model which incorporates three different modes of exit: death, entrance into a long-term care facility, and voluntary prepayment. We apply the proposed model specifically to develop the valuation formulas for roll-up mortgages in the UK and Home Equity Conversion Mortgages (HECMs) in the USA. We examine the significance of each mode of termination by valuing the contracts allowing progressively for each mode. On the basis of our model and assumptions, we find that both health related terminations and voluntary (non-health related) terminations significantly impact the contract value. In addition we analyze the premium structure for US reverse mortgage insurance, and demonstrate that premiums appear to be too high for some borrowers, and substantial cross-subsidies may result.
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9

Yuliansyah, Rahmat. "Analisis Sistem Akuntansi Pemberian Kredit Gadai dalam Mencegah terjadinya Kredit Macet terhadap UMKM pada PT. Pegadaian (Persero) Unit Pelayanan Syariah Cikijing." Jurnal Akuntansi dan Manajemen 15, no. 02 (October 1, 2018): 79–100. http://dx.doi.org/10.36406/jam.v15i02.178.

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This study aims to find out the accounting system and procedure of providing mortgage loans for Micro Small Medium Enterprises (MSMEs) and to know how to prevent the occurrence of bad loans at PT. Pegadaian (Persero) Cikijing Sharia Service Unit. This research uses descriptive research type, using qualitative research method. The data used in this research are primary data and secondary data. With data collection techniques through field studies (field research) is done by way of documentation and interviews with the Head of Branch Office PT. Pegadaian (Persero) Cikijing Sharia Service Unit. The data obtained through documentation and interviews first processed using software application program that is Microsoft Office then presented in the form of description and data table. The results showed that the accounting system and procedure of receiving mortgage loans for MSMEs or Ar-rum in PT. Pegadaian (Persero) Cikijing Sharia Service Unit has been run well. Starting from the application stage by the prospective customer, the completeness check phase of the requirements, the stage of assessment, approval or termination stage, and the contract stage and fund disbursement. To prevent the occurrence of bad credit using 4C analysis method Character (character), Capacity (capability), Capital (capital), and Collateral (guarantee). Efforts and management of non-performing loans are conducted by way of Somasi, insurance claims against problem loans, withdrawal of guarantee goods and the execution of collateral goods.
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10

SH., MH., Nurwati. "PROTECTION OF CREDITORS IN THE EXECUTION FIDUCIARY GUARANTEE KENDARAAN MOTOR CREDIT." DE RECHTSSTAAT 1, no. 1 (March 15, 2015): 62–75. http://dx.doi.org/10.30997/jhd.v1i1.418.

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ABSTRACTFiduciary security is legal security over on moving objects both tangible and intangible, and building or a house on the land belong to someone else, either registered or not, which cannot be burdened with mortgage rights that keep in control of the fiduciary as collateral of debt repayment. If debtor as Fiduciary giver to be insolvent, so the creditor is entitled to have the fiduciary mentioned. For repayment of the debtor and the creditor in this case is called the right separatists. There are many direct execution in banking practice about the object credit that are not perfect bound of guarantees or not through the insurance agency. Execution is doing by creditors, which debtor accompanied or not, or the object credit guarantees owner. Execution is done by regular sales or through creditor takeover. Protection of creditors interest doing by giving legal aspects of registration precedes rights while providing executorial title for the fiduciary receivers benefit, on the other hand, the registration arrangements for certain objects that are not listed cause haziness opportunities of law implementation if it isnot done by carefully and clearly. To protect creditors interests, at the time of the debtor defaults, so that creditors as apreferential rights receiver in debt collection and as legal evidence, so warehouse receipts guarantee that the debtor should be given the imposition of bail.Key: Execution, Fiduciary, Creditors, Debtors
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Books on the topic "Mortgage guarantee insurance Australia"

1

Kreidler, Mike. Private mortgage insurance. [Olympia, Wash.]: Washington State Office of the Insurance Commissioner, 2004.

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Canada Mortgage and Housing Corporation. Administrative guide for homeownership first mortgage loan insurance. [Ottawa, Ont.]: Canada Mortgage and Housing Corporation, 1988.

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3

Kopeĭkin, A. B. Strakhovanie kreditnykh riskov pri ipotechnom zhilishchnom kreditovanii: Strakhovanie ipotechnykh riskov. Moskva: Fond "In-tut ėkonomiki goroda", 2005.

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Insurance, Virginia Bureau of. Report of the State Corporation Commission's Bureau of Insurance on private mortgage guaranty insurance to the Governor and the General Assembly of Virginia. Richmond: Commonwealth of Virginia, 1994.

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Canada Mortgage and Housing Corporation. Quick reference guide for approved lenders: A summary of CMHC mortgage loan insurance premiums, fees, terms and conditions. Ottawa, Ont: Canada Mortgage and Housing Corporation, 1997.

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Office, United States Government Accountability. Mortgage financing: HUD could realize additional benefits from its mortgage scorecard : report to the Chairman, Subcommittee on Housing and Community Opportunity, Committee on Financial Services, House of Representatives. Washington, D.C: GAO, 2006.

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Canada Mortgage and Housing Corporation. Quick reference guide for approved lenders. [Ottawa]: CMHC = SCHL, 1997.

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8

United States. Department of Housing and Urban Development. Guide to Rehabilitation Home Mortgage Insurance 203 (K). Washington, D.C: U.S. Dept. of Housing and Urban Development, Office of the Assistant Secretary for Housing-Federal Housing Commissioner, 1989.

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9

Office, General Accounting. Mortgage financing: FHA's fund has grown, but options for drawing on the fund have uncertain outcomes : report to Congressional Committees. Washington, D.C. (P.O. Box 37050, Washington 20013): GAO, 2001.

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Development, United States Department of Housing and Urban. Endorsement for insurance for home mortgage programs (single family). Washington, D.C: U.S. Dept. of Housing and Urban Development, 1992.

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Reports on the topic "Mortgage guarantee insurance Australia"

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Allen, Donald S., and Thomas S. Chan. The Efficiency of Residential Mortgage Guarantee Insurance Markets. Federal Reserve Bank of St. Louis, 1997. http://dx.doi.org/10.20955/wp.1997.013.

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