The point of points

Article Abstract:

Points in mortgage contracts can be construed as a reduction in principal of a mortgage loan. The concept of points can also be understood under the framework of the cash-flow equivalent mortgage (CFEM), which has no points. One of the differences between mortgages with points and those with no points is that residual principal is higher in the mortgages with points. The increment in the principal for mortgage with points serve as a protection against default by lenders.

Commercial Banks, Mortgage and Nonmortgage Loan Brokers, Consumer Mortgage Loans, Models, Mortgages

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Maximize apartment investments

Article Abstract:

The continued robustness of the apartment market should encourage apartment owners and investors to maximize their investments. The middle- and lower-tier markets offer lucrative returns, as majority of new development consists of luxury units. Several initiatives that owners and investors can adopt to reduce risk and increase yields are presented.

Column

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Analysis of the current housing situation

Article Abstract:

Rising costs of single-family houses causing greater demand for rental units.

Forecasts and trends, Real estate management

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