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22 мая, 12:03

Важнейшие экономические события недели

Еженедельный анонс главных экономических событий недели от Insider.pro.Ключевым отчетом этой недели будут продажи нового жилья. Среди других важных отчетов — продажи на вторичном рынке недвижимости, вторая предварительная оценка ВВП США в I квартале.Понедельник, 22 маяВесь день: празднование Дня королевы Виктории в Канаде.08:00 Опережающий индекс экономики Японии за март.15:30 Индекс национальной активности ФРБ Чикаго за апрель. Значение индекса является взвешенным средним 85 различных индикаторов экономической активности в США.16:00 Розничные продажи в России за апрель.Вторник, 23 мая07:30 Индекс промышленной активности Японии за март.09:00 ВВП Германии в I квартале. Прогнозируется рост на 0,6% с учетом сезонных колебаний.10:30 Индекс деловой активности в производственном секторе Германии. Прогнозируется снижение с 58,2 до 58,0.11:00 Индекс делового климата IFO Германии за апрель. Прогнозируется увеличение с 112,9 до 113,1 пункта.11:00 Индексы деловой активности в сфере услуг, промышленности и составной ЕС за май.11:30 Чистые объемы заимствований госсектора Великобритании в апреле.12:00 Обзор финансовой стабильности в ЕС, подготовленный ЕЦБ.12:00 Слушания отчета по инфляции в Великобритании.17:00 Продажи нового жилья в США в апреле. На графике представлены продажи нового жилья с 1963 года. Согласованный прогноз: сокращение показателя с 621 до 604 тыс. с учетом сезонных факторов.17:00 Индекс производственной активности ФРБ Ричмонда за май.21:00 Выступление премьер-министра Великобритании Терезы Мэй.23:30 Недельное изменение запасов нефти в США по версии API.Среда, 24 мая01:45 Сальдо торгового баланса Новой Зеландии в апреле.03:00 Выступление главы Банка Японии Харухико Куроды.09:00 Индекс потребительской уверенности Gfk Германии за июнь.14:00 Индекс заявлений на покупку домов по ипотеке от Ассоциации ипотечных банкиров (MBA).15:45 Выступление главы ЕЦБ Марио Драги.16:00 Индекс цен на жилье FHFA за март. Ранее этот индекс строился на основе данных госкорпораций Fannie Mae и Freddie Mac о секьюритизации ипотеки при повторных продажах частных домов. Сейчас также доступен расширенный индекс.17:00 Статистика о продажах на вторичном рынке недвижимости, подготовленная Национальной ассоциацией риелторов (НАР). В апреле прогнозируется сокращение продаж с учетом сезонных факторов до 5,67 млн с 5,71 млн месяцем ранее. Ключевым пунктом отчета станет изменение числа домов, выставленных на продажу по сравнению с аналогичным периодом прошлого года.Экономист Том Лоулер оценивает продажи месяца в 5,56 млн с учетом сезонных факторов.17:00 Решение Банка Канады по процентным ставкам. Прогнозируется сохранение базовой процентной ставки на уровне 0,5%.В течение дня: Индекс заказов на проектные работы от Американского института архитекторов (опережающий индикатор ситуации на рынке коммерческой недвижимости).17:30 Изменение запасов нефти по версии Минэнерго США.21:00 Публикация протоколов заседания Федерального комитета по открытому рынку (FOMC) от 2-3 мая 2017 года.Четверг, 25 маяВесь день: Праздник Вознесения отмечается в Швейцарии, Германии, Франции.В течение дня: Встреча ОПЕК.05:00 Проект бюджета Новой Зеландии на следующий год.11:30 ВВП Великобритании в I квартале (предварительная оценка).15:30 Число первичных заявок на пособие по безработице в США. Согласованный прогноз — увеличение показателя до 237 тыс. с 232 тыс. неделей ранее.18:00 Индекс производственной активности ФРБ Канзаса за май.Пятница, 26 мая02:30 Национальный индекс потребительских цен Японии за апрель. Прогнозируется ускорение темпов инфляции с 0,2% до 0,4% в годовом исчислении.15:30 Заказы на товары длительного пользования за апрель от Бюро переписи населения. Прогнозируется снижение показателя на 0,9%.15:30 Вторая предварительная оценка ВВП США в I квартале. Согласованный прогноз: увеличение реального ВВП на 0,8% в годовом выражении по сравнению с 0,7% в первой оценке.17:00 Индекс настроений потребителей Мичиганского университета (окончательное значение за май). Согласованный прогноз: индекс снизится с 97,7 до 97,6.20:00 Число активных буровых установок в США по версии Baker Hughes.

19 мая, 20:36

HUD budget slashes housing programs, drawing protests from advocates

President Donald Trump's administration will seek to slash spending on affordable housing and community development programs, a plan that housing advocates condemned as "immoral" and a blow to voters who sent him to the White House.The administration is seeking to cut spending on affordable housing and community development and wants mortgage lenders to fund technology fixes at the Department of Housing and Urban Development, according to a budget draft obtained by POLITICO. The proposal also eliminates the Housing Trust Fund, a program financed by Fannie Mae and Freddie Mac profits.In all, the request cuts funding by some $6 billion for fiscal year 2018, to about $40 billion. The draft, dated May 4, might not reflect the administration’s final spending request, which is expected next week. A HUD spokesman did not respond to requests for comment.The document puts increased responsibility on state and local governments and calls for the private sector to do more to meet community needs, a key goal of HUD Secretary Ben Carson.The budget “recognizes a greater role for state and local governments and the private sector in addressing community development and affordable housing needs,” the document states.Skeptics say some of those programs exist precisely because private money hasn't stepped up."Private companies won't build water and sewer; they expect the cities and counties and states to provide this infrastructure," said Matt Chase, executive director of the National Association of Counties.“They’ve taken the Heritage Foundation budget, and we’re trying to educate them on the real-world impact,” Chase said. “This is no longer a think tank exercise.”The biggest cut would eliminate the $3 billion Community Development Block Grant program, a state and local entitlement that benefits low- and moderate-income communities. The grants support a range of economic development projects, including roads, sewers and housing. The document also zeros out Choice Neighborhoods revitalization grants and the HOME Investment Partnerships Program, which leverages private funds to expand the supply of affordable housing. Rental assistance to tenants would fall by $974 million, to $19.3 billion, with the elimination of a housing program for veterans and reduced spending on Section 8 and other voucher programs. Capital funding for public housing would fall by two-thirds. Diane Yentel, president of the National Low Income Housing Coalition, called the spending plan "immoral.""The budget reflects a cruel indifference to the millions of low-income seniors, people with disabilities, families with children, veterans, and other vulnerable people who are struggling to keep a roof over their heads," Yentel said.Cuts to HUD's safety net and development spending, combined with reductions at other agencies, will hit rural communities the hardest, Chase said.“These chainsaw cuts go across the budget,” Chase said. “All these programs were to help build community infrastructure for people and places that have been left behind.”HUD's mortgage agencies, which help low-income borrowers buy homes, would get small funding increases. The administration wants to levy $30 million in fees on lenders who sell mortgages through the Federal Housing Administration, money that would be used to upgrade technology and risk-management systems. The budget includes a slight increase in staffing for Ginnie Mae, which pools and sells FHA loans and is second-largest provider of U.S. mortgage liquidity.The draft budget maintains funding to support and enforce the Fair Housing Act, a Civil Rights-era law to end housing discrimination. Before becoming HUD secretary, Carson had called a recent fair housing rule a "social-engineering" scheme.

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18 мая, 17:36

Mortgage rates retreat amid political turmoil in Washington

Mortgage rates retreated for the second time in three weeks following turmoil in Washington. According to the latest data released Thursday by Freddie Mac, the 30-year fixed-rate average fell to 4.02 percent with an average 0.5 point. (Points are fees paid to a lender equal to 1 percent of the loan amount.) It was 4.05 […]

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18 мая, 17:31

Mortgage rates retreat amid political turmoil in Washington

Mortgage rates retreated for the second time in three weeks following turmoil in Washington. According to the latest data released Thursday by Freddie Mac, the 30-year fixed-rate average fell to 4.02 percent with an average 0.5 point. (Points are fees paid to a lender equal to 1 percent of the loan amount.) It was 4.05 […]

11 мая, 02:46

Fannie, Freddie regulator says may have to retain earnings

Fannie Mae and Freddie Mac may have to retain billions of dollars in profits rather than turn them over to the U.S. Treasury, the regulator for the companies said on Wednesday as he contemplated how to avoid a fresh taxpayer bailout. Melvin Watt, the supervisor for Fannie and Freddie, said such a move would be aimed at soothing investor jitters. Markets could be rattled if it seemed the housing finance companies needed more government support, Watt said in congressional testimony obtained by Reuters.

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10 мая, 03:30

Are US Taxpayers Now On The Hook For Risky Wall Street Real-Estate-Backed Bonds?

Authored by Mike Krieger via Liberty Blitzkrieg blog, I’m fairly certain very few of you have heard of broker price opinions, or BPOs, but it’s something I think we should all become aware of given the influence of BPOs in the market for valuing residential real estate securitized bonds. Before we get to that, let’s revisit a little contemporary American robber baron history. In the immediate aftermath of the U.S. financial crisis, financial oligarchs immediately got to work helping Main Street climb out of the Wall Street created ditch by buying foreclosed homes from hordes of newly destitute Americans and then renting them back to those same people. I wrote many articles about this trend over the years, starting with the January 2013 piece, America Meet Your New Slumlord: Wall Street. Here’s an excerpt: Well they aren’t really your “new” slumlord in the sense you have been debt slaves to the financials system for decades.  What I really mean is that it is now becoming overt and literal.  Literal because financiers are now the main players in the real estate market and are buying all the homes ordinary citizens were kicked out of over the past few years.  Yep, we bailed out the financial system so that financiers with access to cheap credit can buy up all of America’s real estate so that they can then rent it back to you later. Fast forward a few years, and private equity is frantically packaging these real estate rental properties into bonds. In order to value the real estate collateral you need some sort of appraisal, but the normal process of actually looking at properties is seen as too costly and time consuming, so market players are cutting corners by using “broker price opinions,” or BPOs. As Bloomberg reports, this practice is coming under increased scrutiny and for good reason: U.S. securities regulators are investigating whether bonds backed by single-family rental homes and sold by Wall Street’s biggest residential landlords used overvalued property assessments.   Radian Group Inc.’s Green River Capital unit is one of the market participants that received a request for information from the Securities and Exchange Commission in March about broker price opinions, or BPOs, the company said in a regulatory filinglate Friday. Green River provides BPOs that are used to value real estate in securitizations.   The agency has been looking at whether BPOs were wrongly inflated, and similar letters were sent to other companies, potentially serving as a starting point for an industrywide probe, according to a person with knowledge of the matter. The person asked not to be identified because the matter is private.   Green River is one of several firms that provide BPOs to the units of private-equity firms and other investors who bought up hundreds of thousands of properties in cities across the U.S. after the housing bubble burst. Many of them focused on distressed homes whose owners were evicted during the Great Recession. Never forget, what’s good for Wall Street is good for Main Street! Also, they hate us for our freedoms. Broker price opinions are a cheaper and less-stringent way to evaluate what a property is worth than an appraisal. Property valuations are a sensitive subject in the housing industry because regulators said inflated appraisals contributed to the housing bubble a decade ago.   The biggest private-equity landlords, led by Blackstone Group LP’s Invitation Homes, have sold more than $15 billion in bonds since 2013 backed by some 120,000 rental homes, according to data from Morningstar, and many of those deals were valued using BPOs. One recent bond deal tied to Invitation Homes was backed by guarantees from U.S. taxpayers. Please tell me this is a joke. The BPOs are key elements in securitizations, determining basic figures such as how much rent to charge tenants, how much leverage and risk is embedded in the deal and how much investors could recover if the bonds go sour. Many of the securities were assigned AAA grades and sold off to investors such as pension funds. Is this 2006 or 2017? No here’s where it gets truly disturbing. In traditional real estate deals, these opinions help establish sales prices, but in these bond deals, they help estimate how much could be recovered in a liquidation. Some analysts say the BPOs they don’t take into account a possible plunge in home prices, and the values tend to be more optimistic than a full appraisal. Unlike appraisals, BPOs also aren’t necessarily done by a licensed professional, nor does the inspector always go inside to look around, which is standard procedure for an appraisal.   In one April securities offering of about $944.5 million, Green River submitted BPOs that relied on “drive-by” evaluations, and homes were “assumed to be repaired and in good condition,” according to a deal prospectus issued by Fannie Mae. The BPO “is not intended to be a representation as to the past, present or future market values of any of the properties.”   The underlying mortgage in that deal, tied to rental properties owned by Invitation Homes, was guaranteed by Fannie Mae. That’s the first time a taxpayer-backed home finance company has guaranteed such a loan. Freddie Mac is also looking into getting involved in the market by providing its guarantee.   When private equity landlords opted to use BPOs instead of appraisals in their securitizations, some investors expressed skepticism and bond graders applied discounts to the BPOs. Moody’s Investors Service, for example, applied a 15 percent haircut to BPO valuations when grading a transaction last August, citing inherent risks of using BPOs on residential properties instead of an appraisal. I’m sure it’ll be fine, and if not who cares? The U.S. taxpayer is always available for a good fleecing.

04 мая, 13:00

Trump Still Allowing Fannie, Freddie To Be Robbed To Pay For Obamacare

In response to a direct question, Mnuchin acknowledged it was true President Obama did engineer the “Net Worth Sweep” (NWS) in August 2012 to divert funds from the two Government Sponsored Entities (GSEs) to pay for Obamacare, after Congress refused to fund the low-income insurance subsidies critical to keep afloat the Affordable Care Act (ACA). https://www.infowars.com/treasury-secretary-confirms-infowars-com-reporting-on-obamacare-looting-scheme-theft/ http://dailycaller.com/2017/03/23/president-trump-should-stop-obama-scheme-that-steals-money-from-fannie-mae-and-freddie-mac-for-obamacare/ Help us spread the word about the liberty movement, we're reaching millions help us reach millions more. Share the free live video feed link with your friends & family: http://www.infowars.com/show Follow Alex on TWITTER - https://twitter.com/RealAlexJones Like Alex on FACEBOOK - https://www.facebook.com/AlexanderEmerickJones Infowars on G+ - https://plus.google.com/+infowars/ :Web: http://www.infowars.com/ http://www.prisonplanet.com/ http://www.infowars.net/ :Subscribe and share your login with 20 friends: http://www.prisonplanet.tv http://www.InfowarsNews.com Visit http://www.InfowarsLife.com to get the products Alex Jones and his family trust, while supporting the growth of our expanding media operation. [http://bit.ly/2dhnhbS] Biome Defense™ [http://bit.ly/2bnEj91] Bio-True Selenium™ [http://bit.ly/1WYw8jp] Vitamin Mineral Fusion™ [http://bit.ly/1QYBNBv] Joint Formula™ [http://bit.ly/1nNuR3r] Anthroplex™ [http://bit.ly/1ljfWfJ] Living Defense™ [http://bit.ly/1Iobcj2] Deep Cleanse™ [http://bit.ly/1DsyQ6i] Knockout™ [http://bit.ly/1Kr1yfz] Brain Force™ [http://bit.ly/1R5gsqk] Liver Shield™ [http://bit.ly/1cOwQix] ProstaGuard™ [http://bit.ly/1mnchEz3] Child Ease™ [http://bit.ly/1xs9F6t] WinterSunD3™ [http://bit.ly/1L3gDSO] Ancient Defense™ [http://bit.ly/1EHbA6E] Secret-12™ [http://bit.ly/1txsOge] Oxy Powder™ [http://bit.ly/1s6cphV] Occu Power™ [http://bit.ly/1rGOLsG] DNA Force™ [http://bit.ly/1nIngBb] X2 Survival Shield™ [http://bit.ly/1kaXxKL] Super Female Vitality™ [http://bit.ly/1mhAKCO] Lung Cleanse™ [http://bit.ly/1mGbikx] Silver-Bullet - Colloidal Silver™ [http://bit.ly/1xcoUfo] Super Male Vitality™ [http://bit.ly/1z5BCP9] Survival Shield - Nascent Iodine™ [http://bit.ly/1o4sQtc] Patriot Blend 100% Organic Coffee™ [http://bit.ly/1iVL6HB] Immune Support 100% Organic Coffee™ All available at - http://www.infowarsshop.com/ INFOWARS HEALTH - START GETTING HEALTHY BEFORE IT'S TOO LATE - http://www.infowarshealth.com/ Newsletter Sign up / Infowars Underground Insider : http://www.infowars.com/newsletter The Alex Jones Show © copyright, Free Speech Systems .LLC 1995 - 2017 All Rights Reserved. May use for fair use and educational purposes

02 мая, 17:13

Fannie, Freddie Profit Payments Should Continue, Treasury Says

U.S. Treasury Secretary Steven Mnuchin wants mortgage-finance giants Fannie Mae and Freddie Mac to continue sending their profits to the government under the terms of their bailout agreements, a spokeswoman ...

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30 апреля, 03:30

Peter Schiff: Damn The Deficits, Huge Tax Cuts Ahead!

Authored by Peter Schiff via Euro Pacific Capital, Donald Trump has made good on one of his most audacious campaign promises by submitting what he describes as the biggest tax cut in U.S. History. For once, at least, this does not appear to be Trumpian braggadocio. It really may be the mother of all tax cuts. But if passed, what may this bunker buster do to the economy? While I have rarely met a tax cut I didn’t like, this one just may be more likely to send the economy into a downward spiral than it is to send up to orbit. As I mentioned in my January commentary, Donald Trump’s big-spending, tax-cutting campaign rhetoric threatened to make him the biggest borrower in presidential history. He comes to office at a particularly vulnerable time for budget dynamics. After contracting by nearly two thirds from 2010 to 2015 (from the mind-bending $1.3 trillion to the merely enormous $438 billion), the Federal deficit started expanding again in 2016, moving up to $587 billion (Govt. Publishing Office, Office of Management & Budget (OMB). Current projections have it going up nearly every year over the next two decades. The Congressional Budget Office expects it to permanently surpass $1 trillion annually by 2021 or 2022. But these ominous forecasts were made well before anyone thought Trump had a snowball’s chance of ever becoming president. Now that he is in the office, those projections will be the floor. The ceiling is anyone’s guess. The forecasts assume that the taxing and spending laws in place during the Obama Administration won’t change. The steep increase in projected deficits towards the end of this decade and into the next is largely driven by the retirement of the Baby Boom generation, which will lead to simultaneous increases in entitlement spending and decreases in tax revenue. This brick wall has been hiding in plain sight for decades but the can-kickers in Washington have serially failed to do anything to avert the inevitable collision. (These forecasts also optimistically assume that the economy never again enters recession, inflation never again rears its ugly head, and that our creditors never get concerned enough about our growing debt to demand a premium for the risk of financing it.) But now that Trump occupies the Oval office, this date with destiny may come much sooner…and she will definitely be ordering the lobster. Before I go negative, let me give credit to Trump for picking the right taxes to cut. He kills the estate tax, an ugly beast that should have been euthanized years ago. Some may see this simply as a gift to the very rich. But legal wizards have long since devised strategies that offer almost complete protection from the death tax. None of these structures offer any real benefit to the businesses these millionaires typically own, or to the economy in general. Killing the tax will cost the government almost nothing, but it will remove tremendous impediments that have prevented family-run companies from growing over generations. He also kills the Alternative Minimum Tax, a complex parallel system of taxation that few understand but somehow manages to ensnare more and more taxpayers every year. Most importantly, he brings down the corporate tax rate from the globally non-competitive rate of 35% to the much more manageable 15%. Taxing corporations has always been a bad way to raise revenue. Corporations, after all, don’t pay taxes, which are simply treated as a cost of doing business. The real costs are borne by customers, who must pay higher prices, and employees, who must suffer with lower wages. But high domestic corporate taxes have hamstrung U.S. corporations and greatly contributed to the decline of American manufacturing. A more competitive corporate sector will shower benefits on all manner of consumers and employees. On the individual tax side, his decisions are much more problematic. Although Trump makes the sensible decision of compressing the seven individual tax brackets into just three (10%, 25%, and 35%), and doubles the standard personal deductions (thereby saving many people from the hassles of itemization), the headline-grabbing component of the proposals has to do with the lowering of the “pass-through” tax rate to the same 15% level that applies to corporations. This means that wealthy business owners, highly paid freelancers, and partners at law firms, medical groups, and management consultancies, will qualify for the 15% rate. This will be a huge windfall to some of the richest people in the country, who typically pay the highest marginal tax rate (currently 39%). And since the top one percent account for nearly 50% of tax revenue, this one provision promises to cost Uncle Sam plenty and to dramatically shake up the corporate landscape. Small business owners and independent contractors will in fact receive the benefit of the 15% pass through rate. But “Mom and Pop” entrepreneurs rarely have income that is high enough to be taxed at the higher rates. These smaller earners will likely be be trading a 15% tax for a 15% tax. All the big benefits will go to the really big fish. Whereas the vast majority of Tom Cruise’s income would have been taxed at the 39% rate, it will now be taxed at just 15%. His taxes will be reduced by nearly 60% from current law. The same holds true, in lesser degree, to lawyers, doctors, and consultants making more than a few hundreds of thousands of dollars annually. Is there any reason that could justify why a hedge fund manager making a million dollars per year should pay 15%, but a full time CEO at a corporation making half that would be subject to the highest marginal rate of 35%? It’s absurd. Now I’m not a big fan of the “progressive” tax system, whereby the tax rate goes up with income. I think a “flat” tax system, in which everyone paid the same rate, would be better. (Ideally I would like to see income taxes replaced by far less onerous and intrusive consumption taxes). But I certainly don’t believe in a “regressive” tax system in which lower-earning citizens pay higher rates than those at the top. But that’s exactly what Trump is trying to do. Given this wide disparity in tax rates, we can assume that the employment landscape will adjust dramatically. We should expect that legions of highly-paid full-time employees will start to form Limited Liability Corporations (LLCs) to work freelance rather than as employees. There are few barriers that would prevent such a shift, and the growth of internet-based work scenarios will continue to break down the traditional barrier between employee and freelancer. Yes, there are some labor rules that seek to separate employees from freelancers, but those rules may be easily circumvented, especially when the reward is so great. Rather than envy the lawyer earning more and paying less, the CEOs of the country will likely incorporate and sell their services freelance to their former employers. This shift will mean that a great many of the country’s highest earners will be paying taxes at the lowest rate. As a result, the reductions in tax revenue would likely be far greater than what is predicted in the standard modeling.  But unlike most prior tax cuts, the Trump version does not even make any attempt to balance the cuts with corresponding cuts in government spending. If Trump’s tax cuts don’t immediately generate sustained 4% growth or more, we may be staring down the barrel of $2 to $3 trillion in annual deficits. Is this an experiment that we really want to try? But even if the reforms can kick the economy into higher gear, thereby creating higher revenues with lower rates (The Laffer Curve), our current low interest rate environment provides significant obstacles to permit that growth to be sustained. If growth kicks up to the 4% range, the Federal Reserve will have to accelerate its rate increase schedule. Allowing rates to remain two to three percent below the growth rate could risk an overheated economy with inflation spiraling out of control. These higher rates will act as a stiff headwind to an economy that has grown increasingly dependent on ultra low rates. But increases in rates would also cost the economy in another way. Our current bonded national debt is ready to surge past the $20 trillion mark. The Trump tax cuts will push it beyond that very quickly. If the Fed raises rates to keep pace with higher growth, then the Government will have to pay much more to finance the outstanding debt. At $20 trillion, every point of increase in interest rates will cost the government $200 billion annually. At that level, if interest rates were at 3.75%, instead of the current .75%, then the Federal Government would have to come up with about another $600 billion per year in interest payments. (That number will be much higher when the debt grows past $20 Trillion). But it's not just Uncle Sam that is over-loaded with debt. Corporations and households would see their interest costs surge as well with rising interest rates. So what lower taxes giveth, higher interest rates will taketh away.  Consider the housing market. Not only will higher interest rates substantially increase the cost of home ownership (through higher mortgage rates), but Trump’s tax proposals will dramatically increase the cost of ownership for those living in high tax states. Under the proposal, homeowners will no longer be able to deduct property taxes, and a doubling of the standard deduction means a much larger percentage of homeowners will not be able to deduct mortgage interest from their federal income tax. Plus, with the top tax rate reduced from 39.6% to 15%, the mortgage interest deduction will be far less valuable to those higher earners who can still take advantage of it. Higher mortgage rates and lower tax subsidies will increase the cost and decrease the appeal of home ownership. This could lead to a crash in real estate prices, especially in the high end of the market. Falling prices could wipe out what little home equity many Americas have left, and lead to another wave of foreclosures. The losses to Fannie Mae and Freddie Mac could be significant, with the costs falling directly on the Federal government, further driving up annual deficits.  The reality is that years of massive deficits, runaway government spending, artificially low interest rates, and three rounds of quantitative easing, have left the economy so sick that any tax cut large enough to revive it may actually kill it instead. The only silver lining to this cloud may be that the coming fiscal train wreck leaves lawmakers no choice but to slash government spending. If the real Republican agenda is to starve the beast, its success is assured.

29 апреля, 01:36

Fannie Mae: Mortgage Serious Delinquency rate declined in March, Lowest since Feb 2008

Fannie Mae reported that the Single-Family Serious Delinquency rate declined to 1.12% in March, from 1.19% in February. The serious delinquency rate is down from 1.44% in March 2016.This is the lowest serious delinquency rate since February 2008.These are mortgage loans that are "three monthly payments or more past due or in foreclosure".  The Fannie Mae serious delinquency rate peaked in February 2010 at 5.59%.Click on graph for larger imageAlthough the rate is declining, the "normal" serious delinquency rate is under 1%.  The Fannie Mae serious delinquency rate has fallen 0.32 percentage points over the last year, and at that rate of improvement, the serious delinquency rate will not be below 1% until this Summer.Note: Freddie Mac reported earlier.

29 апреля, 00:28

UN Demands ObamaCare: Trump Embraces UN & Globalism

Do you realize ObamaCare could be repealed with the stroke of a pen? It was never funded by Congress and the subsidies are stolen from Fannie Mae/Freddie Mac investors. But it isn’t just Paul Ryan & the establishment GOP who fight repeal, the UN is DEMANDING that ObamaCare NOT be repealed because they define it as a “human right” in a document that a USA official signed but the Senate did not ratify. It is a lesson for the Trump administration about the Paris Climate Agreement which was also signed but not ratified on the day that President Trump declared that he is both a nationalist and a globalist. Follow David on Twitter - https://twitter.com/libertytarian Help us spread the word about the liberty movement, we're reaching millions help us reach millions more. Share the free live video feed link with your friends & family: http://www.infowars.com/show Follow Alex on TWITTER - https://twitter.com/RealAlexJones Like Alex on FACEBOOK - https://www.facebook.com/AlexanderEmerickJones Infowars on G+ - https://plus.google.com/+infowars/ :Web: http://www.infowars.com/ http://www.prisonplanet.com/ http://www.infowars.net/ :Subscribe and share your login with 20 friends: http://www.prisonplanet.tv http://www.InfowarsNews.com Visit http://www.InfowarsLife.com to get the products Alex Jones and his family trust, while supporting the growth of our expanding media operation. [http://bit.ly/2dhnhbS] Biome Defense™ [http://bit.ly/2bnEj91] Bio-True Selenium™ [http://bit.ly/1WYw8jp] Vitamin Mineral Fusion™ [http://bit.ly/1QYBNBv] Joint Formula™ [http://bit.ly/1nNuR3r] Anthroplex™ [http://bit.ly/1ljfWfJ] Living Defense™ [http://bit.ly/1Iobcj2] Deep Cleanse™ [http://bit.ly/1DsyQ6i] Knockout™ [http://bit.ly/1Kr1yfz] Brain Force™ [http://bit.ly/1R5gsqk] Liver Shield™ [http://bit.ly/1cOwQix] ProstaGuard™ [http://bit.ly/1mnchEz3] Child Ease™ [http://bit.ly/1xs9F6t] WinterSunD3™ [http://bit.ly/1L3gDSO] Ancient Defense™ [http://bit.ly/1EHbA6E] Secret-12™ [http://bit.ly/1txsOge] Oxy Powder™ [http://bit.ly/1s6cphV] Occu Power™ [http://bit.ly/1rGOLsG] DNA Force™ [http://bit.ly/1nIngBb] X2 Survival Shield™ [http://bit.ly/1kaXxKL] Super Female Vitality™ [http://bit.ly/1mhAKCO] Lung Cleanse™ [http://bit.ly/1mGbikx] Silver-Bullet - Colloidal Silver™ [http://bit.ly/1xcoUfo] Super Male Vitality™ [http://bit.ly/1z5BCP9] Survival Shield - Nascent Iodine™ [http://bit.ly/1o4sQtc] Patriot Blend 100% Organic Coffee™ [http://bit.ly/1iVL6HB] Immune Support 100% Organic Coffee™ All available at - http://www.infowarsshop.com/ INFOWARS HEALTH - START GETTING HEALTHY BEFORE IT'S TOO LATE - http://www.infowarshealth.com/ Newsletter Sign up / Infowars Underground Insider : http://www.infowars.com/newsletter The Alex Jones Show © copyright, Free Speech Systems .LLC 1995 - 2017 All Rights Reserved. May use for fair use and educational purposes

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28 апреля, 21:51

США: индекс цен на дома FHFA в феврале повысился на 0.8%

По данным Федерального агентства по финансированию жилья (FHFA) индекс цен на дома в США, покупка которых осуществлялась с участием контролируемых государством ипотечных агентств Fannie Mae и Freddie Mac, в феврале повысился в месячном исчислении на 0.8% при ожидавшихся 0.4% и после повышения на 0.2% январе.

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28 апреля, 21:14

США: индекс цен на дома FHFA в феврале повысился на 0.8%

По данным Федерального агентства по финансированию жилья (FHFA) индекс цен на дома в США, покупка которых осуществлялась с участием контролируемых государством ипотечных агентств Fannie Mae и Freddie Mac, в феврале повысился в месячном исчислении на 0.8% при ожидавшихся 0.4% и после повышения на 0.2% январе.

28 апреля, 20:59

Снова Fannie Mae, Freddie Mac, Wells Fargo и Lehman Brothers in 2017 ? (pauls)

Случайности и совпадения. Забавная новость об участнике мирового кризиса 2008 года - Wells Fargo - крупнейшем ипотечном кредиторе в США: 24 Апреля, 2017 "Федеральная корпорация страхования депозитов и Федеральная резервная система заявили в понедельник, что были сняты ограничения на способность банка расти.* " 2 комментария

27 апреля, 23:55

Florida Coast in Trouble? 'Complete Globalist Propaganda' - SKG

We Are All Going to Die From Coastal Flooding* * Those having net worths of $10MM or more need not read. via Soren K Group and Marketslant The opinion piece at bottom is by Dr. Joe Romm, a Founding Editor of Climate Progress, “the indispensable blog,” as NY Times columnist Tom Friedman describes it. We thoroughly enjoyed reading it. And as writers with trading DNA we wanted to know where the trade was.  Long OJ? Long potable water? Short insurance companies, and other ideas were bounced around. All had risks we were uncomfortable with. Finally one of our group, "Bon Scott" summed it up perfectly in only the way he can. Implicitly, Buy infrastructure companies. From Soren K. Group contributor "Bon":  Complete, total, globalist propaganda. In the USA coastal property values are going nowhere but up. Period. Humans by nature want to be around water. Rich people like to be around other (white) rich people. Who do you think supports political campaigns?.... Beachfront property owners that's who! Flooding... Hire mexicans that no longer have landscaping jobs due to suburban collapse to truck in more dirt and pave it. Raise homes, raise roads (it's happening now in NJ). Water? Pipe it in from the mountains all the way to Key fucking West. MOAR jobs! Print the fucking fiat to pay for it. Tax the world. The result is like everything else we say here. The middle class, what remains of them, will have more financial burden to shoulder. The rich build walls, and  the poor are cared for. OH NO GLOBAL WARMING Examples of Bon's point. Bill Gates bought a stake in the Four Seasons and its Caribean property in 2015. Think he is worried about his island sinking? Trump owns a mansion on St. Maarten bought in 2013 last we checked. Think he's worried? Gates also owns property in Palm Beach bought in 2013. Tech billionaire Larry Ellison has bought 98 per cent of Hawaiian island Lanai. Indian Creek Village in Miami's Biscayne Bay may be on a tiny island, but the neighborhood of just 86 residents is home to some of the biggest A-listers and some of America's richest business moguls. Some of these purchases are basically "safe rooms" for the rich in case of civilization breakdown. Climate change isn't a deterrent. If it were they'd be buying mountain homes only.  Capitalism Finds a way, Workers Will Pay The author must be kidding us if he thinks a climate catastrophe awaits Trump. This is just another justification for Trump to ramp up infrastructure and thus GDP. Does he think we will just watch things sink? By his own admission it is in "slow- motion". China builds synthetic islands in the South Pacific. Romm, the academic globalist doesn't think the rich voting  owners in coastal Fla will get their way through walls, levies, and tax breaks to protect their property? And Romm doesn't think that it will be a tax increase on the rest of us as a Patriotic Duty?  The rich will be on stilts. You will pay for it. in NJ each home wrecked post Sandy got a 40k tax credit to raise the house. Who paid for that? The wealthy that are leaving NJ in droves now. The insurance companies will be bailed out- You will pay for it. You already did 5x in the last 30 years. The poor will be taken care of (as they should be)- You will pay for it, as  the impoverished group of baby boomers swell the ranks. You will pay with higher taxes, lower purchasing power, an inability to access global competitors for pricing. your children will pay for it by becoming indentured servants to the Government when they cannot pay their student loans back. we know. We've seen it in Argentina first hand. The best educated, lowest paid MBAs in the Americas. Mnuchin's tax statement yesterday basically implied the intention  to remove tax cuts at the middle class level by removing home owner tax deductions.  The working class is taken for granted. Even Ghandi had a point where he'd take up arms. Wake up people. Why aren't you mad?  That said, enjoy the piece below. -Soren K. Group ------------------------------------------------------------------------------------------------- Climate change poses ‘nightmare scenario’ for Florida coast, Bloomberg warns via Joe Romm and Thinkprogess Donald Trump’s presidency may make this future for South Florida and “Miami Island” unstoppable. CREDIT: Climate Central “Pessimists selling to optimists.” That’s how one former Florida coastal property owner describes the current state of the market in a must-read Bloomberg story. Right now, science and politics don’t favor the optimists. The disintegration of the Greenland and Antarctic ice sheets is speeding up, providing increasing evidence we are headed for the worst-case scenario of sea level rise?—?three to six feet (or more) by 2100. The impacts are already visible in South Florida. “Tidal flooding now predictably drenches inland streets, even when the sun is out, thanks to the region’s porous limestone bedrock,” explains Bloomberg. “Saltwater is creeping into the drinking water supply.” At the same time, President Trump is working to thwart both domestic and international climate action while slashing funding for coastal adaptation and monitoring. E&E News reported earlier this month that the EPA has already “disbanded its climate change adaptation program” and reassigned all the workers. Faster sea level rise and less adaptation means the day of reckoning is nigh. Dan Kipnis, chair of Miami Beach’s Marine and Waterfront Protection Authority?—?who has failed to find a buyer for his Miami Beach home for nearly a year?—?told Bloomberg, “Nobody thinks it’s coming as fast as it is.” But this is not just South Florida’s problem. The entire country is facing a trillion-dollar bubble in coastal property values. This Hindenburg has been held aloft by U.S. taxpayers in the form of the National Flood Insurance Program. A 2014 Reuters analysis of this “slow-motion disaster” calculated there’s almost $1.25 trillion in coastal property being covered at below-market rates. ? CREDIT: Reuters When will the bubble burst? As I’ve written for years, property values will crash when a large fraction of the financial community?—?mortgage bankers and opinion-makers, along with a smaller but substantial fraction of the public?—?realize that it is too late for us to stop catastrophic sea level rise. When sellers outnumber buyers, and banks become reluctant to write 30-year mortgages for doomed property, and insurance rates soar, then the coastal property bubble will slow, peak, and crash. The devaluation process had begun even before Trump’s election reduced the chances we would act in time to prevent catastrophic climate change. The New York Times reported last fall that “nationally, median home prices in areas at high risk for flooding are still 4.4 percent below what they were 10 years ago, while home prices in low-risk areas are up 29.7 percent over the same period.” Sean Becketti, the chief economist for mortgage giant Freddie Mac, warned a year ago that values could plunge if sellers start a stampede. “Some residents will cash out early and suffer minimal losses,” he said. “Others will not be so lucky.” As this week’s Bloomberg piece puts it, “Demand and financing could collapse before the sea consumes a single house.” So here’s a question for owners of coastal property?—?and the financial institutions that back them?—?as they watch team Trump keep his coastal-destroying promises: Who will be the smart money that gets out early?—?and who will be the other kind of money?

27 апреля, 00:14

Freddie Mac: Mortgage Serious Delinquency rate declined in March, Lowest since May 2008

Freddie Mac reported that the Single-Family serious delinquency rate in March was at 0.92%, down from 0.98% in February.  Freddie's rate is down from 1.20% in March 2016.Freddie's serious delinquency rate peaked in February 2010 at 4.20%. This is the lowest serious delinquency rate since May 2008.These are mortgage loans that are "three monthly payments or more past due or in foreclosure".  Click on graph for larger imageAlthough the rate is still declining, the rate of decline has slowed. Maybe the rate will decline another 0.2 to 0.4 percentage points or so to a cycle bottom, but this is pretty close to normal.Note: Fannie Mae will report soon.

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12 апреля, 22:55

Mortgage Rates below 4% Again?

With the ten year yield falling slightly today to under 2.3%, how much would the ten year need to rally to have mortgage rates fall under 4% again?With the ten year at 2.29% today, and based on an historical relationship, 30-year rates should currently be around 4.2%.  As of this morning, Mortgage News Daily reports that 30 year fixed rate mortgages are around 4.1%. Pretty close to expected.The graph shows the relationship between the monthly 10 year Treasury Yield and 30 year mortgage rates from the Freddie Mac survey. Currently the 10 year Treasury yield is at 2.29%, and 30 year mortgage rates were at 4.1% according to the Freddie Mac survey last week. Based on the historical relationship, the ten year yield would have to fall to around 2.1% for 30 year fixed mortgage rates to be at or below 4%.

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12 апреля, 02:20

Commercial Property Lending Tumbles As Retail / Hotel Originations Plunge

For those of you out there clinging to your commercial REIT stocks for their 'defensive' dividend yields while praying that the whole 'retail implosion' thing will simply go away, you may want to avert your eyes now.  According to the Mortgage Bankers Association 4Q 2016 commercial real estate loan originations survey, mortgage originations related to discretionary segments of the economy are in complete free fall with retail and hotel volumes down 19% and 39%, respectively.     A decrease in originations for hotel, health care, and retail properties led the overall decline in commercial/multifamily lending volumes when compared to the fourth quarter of 2015. The fourth quarter saw a 39 percent year-over-year decrease in the dollar volume of loans for hotel properties, a 24 percent decrease for health care properties, a 19 percent decrease for retail properties, a 4 percent decrease for industrial properties, a one percent decrease in multifamily property loans, and a 6 percent increase in office property loans. Commercial banks and insurance companies pulled back on new originations while Fannie/Freddie picked up the slack. Among investor types, the dollar volume of loans originated for commercial bank portfolios decreased by 17 percent year-over-year. There was a 6 percent year-over-year decline for life insurance company loans, a 2 percent decrease in Commercial Mortgage Backed Securities (CMBS) loans, and a 4 percent increase in the dollar volume of Government Sponsored Enterprises (GSEs – Fannie Mae and Freddie Mac) loans.   2016 marked the first YoY 4Q decline since the height of the 'great recession'.   Meanwhile, via the Wall Street Journal, prescient market observers remind us that markets tend to cycle rather than just rising in perpetuity...shocking news. Still, the bank recognizes that property values are at record levels after rising for eight years. “I’d say, if I could look back one year ago, we’re probably more cautious [now],” Mr. Myers said.   Some lenders are competing by making riskier loans such as those that finance construction or occupy a “mezzanine” position between first mortgages and equity. In the first quarter of 2017, construction and land loans on bank balance sheets were up 12.8% to $306.1 billion compared with the same period a year earlier, according to loan tracker Trepp LLC.   Lenders and developers have gotten especially aggressive in building rental apartments. More units are under way today than in any period since the mid-1970s, experts said.   “There’s no current looming event that regulators are looking to say we foresee a problem,” said Matthew Anderson, managing director of Trepp. “It’s just the sheer volume and pace of activity and the length of how long it’s gone on.” But we're sure this is just another temporary BTFD opportunity.

14 января 2014, 08:56

Профицит бюджета США в декабре достиг рекорда

  Профицит бюджета США в декабре стал рекордным на фоне более высоких налогов на заработную плату, выплат со стороны Fannie Mae и Freddie Mac, а также снижения уровня безработицы. Доходы превысили расходы в прошлом месяце на $53,2 млрд по сравнению с дефицитом на уровне $1,19 млрд в декабре 2012 г., свидетельствуют данные Минфина США. Экономисты, опрошенные Bloomberg, ожидали показатель на уровне $44 млрд. В 2013 г. безработица в стране сократилась на 1,2 процентного пункта до 6,7%, и это самое сильное падение в годовом выражении с 1983 г. Укрепление экономики и увеличение налоговых поступлений позволили сократить дефицит страны в прошлом финансовом году, закончившемся 30 сентября, более чем наполовину: до $680,3 млрд по сравнению с рекордным показателем в $1,42 трлн в 2009 г. "Мы продолжаем видеть улучшение экономических условий, которое в настоящее время отражено в сокращении бюджетного дефицита", - отметил экономист Wells Fargo Securities LLC Майкл Браун. Доходность 10-летних казначейских облигаций снизилась до 2,83%, приблизившись к самому низкому уровню за месяц.  Доходы бюджета составили $283,2 млрд в прошлом месяце по сравнению с $269,5 млрд в декабре 2012 г. Расходы составил $230 млрд по сравнению с $270,7 млрд в прошлом году. В течение первых трех месяцев текущего финансового года дефицит составил $176,3 млрд, тогда как с октября по декабрь 2012 г. показатель составлял $293,3 млрд. Платежи в казну от Fannie Mae и Freddie Mac выросли за год примерно на $34 млрд.

10 мая 2013, 06:16

Про MBS и ипотечные кредиты

Мы совсем как то эту тему забросили, а зря. Все же на этот рынок много завязано. О каких суммах идет речь? Объем ипотечных кредитов (для жилой недвижимости, коммерческой, сельскохозяйственной) составляет 13.1 трлн долл на конец 2012 года. Из этих 13.1 трлн более 9.4 трлн записано на домохозяйства. Под эти кредиты выпускали тоннами всякого MBS’осного шлака, процесс полностью остановился в 2008 году. Сейчас совокупный объем MBS составляет 7.54 трлн, т.е. почти 58% всех ипотечных кредитов было секьюритизировано. На пике зверства было под 70%. Из 7.54 трлн около 80% эмитировано Government-sponsored enterprises (GSE) всякие там fannie mae и freddie mac, остальное остальное на частные структуры. Причем стоит обратить внимание на то, что в 2009 году более 4.4 трлн дефолтных бумаг (!) было изъято из частных структур в пользу государственных. Не будь этого, то все рухнуло. Программа TARP, кредитование ФРС и QE здесь не учитываются.Как это было...Чтобы оценить тенденции и масштабы, то лучше всего на графике.Как видно, процесс сокращения ипотечных кредитов продолжается. Низкие процентные ставки не помогают, кредиты не берут. А выкуп MBS не помогает тем более, т.к. сам процесс выкупа не имеет ни малейшего отношения к способностям и желаниям заемщиков получать кредит. Все, к чему имеет отношение ФРС - это стимуляция дальнейшей активности бангстеров по секьюритизации ипотечных кредитов, но если нет роста кредитов, то и чисто теоретически не может быть никакого роста активности в MBS. Поэтому проблема не в предложении кредитов, т.е не в банках, а в спросе (заемщиках). Нет спроса на кредиты, а банки бы рады опять шарманку запустить.Максимум, что может получиться из этой безумной затеи ФРС - так это провоцирование отрыва башни у бангстеров . С тем, чтобы условия получения займов были столь простыми, что получить займ мог бы любой, кто имеет в активах хотя бы один чупа чупс и половину недопитой банки коки. Возврат к тому, от чего пришли. Ничего этих людей не исправит.Кто держит весь этот мусор?Разумеется больше всех у ФРС – 1 трлн на конец 2012 и 1.15 трлн в настоящий момент. Ни одна структура единолично столько не держит. Это 15% рынка на 2012, к концу 2013 будет держать все 20% рынка. Тем самым это означает, что ценообразование на этом рынке под полным контролем ФРС и дилеров. Проще говоря, вторичного рынка больше не существует.Почти 4.5 трлн у финансовых структур (1.6 трлн коммерческие банки, 350 млрд ипотечные трасты, 347 млрд страховые фонды, 223 млрд пенсионные фонды, 170 млрд у брокеров и так далее).Частный сектор (домохозяйства и корпорации) сократили вложения почти в ноль. Причем домохозяйства по каким то загадочным причинам начали скупать MBS тогда, когда они наиболее активно падали в цене. На тот момент (2007-2008) они были самым крупным покупателем на рынке, нарастив всего за 1.5 года объем MBS на 500 млрд до 1.02 трлн, а потом в период с 2009 по 2010 все продали, когда ФРС запустил QE1Я раньше вам говорил, но повторю. Эта операция была похожа на хорошо спланированный инсайд. Группа лиц инсайдеров и аффилированных лиц с ФРС примерно в конце 2007-середине 2008 знала, что будет неизбежный выкуп MBS со стороны ФРС для поддержания рынка и примерно тогда готовился план по банкротству Лемана. Учитывая, что бумаги продавались с дисконтом, то предположительно через частные счета и некоммерческие организации был проведен выкуп на 300-400 млрд бумаг, которые по рыночной цене не стоили и половину от номинала. А потом продавали по номиналу ФРС, заработав сотни процентов чистой прибыли. Также поступали и дилеры, но в отличие от юридических лиц, физиков и НКО никто проверять не будет, т.к. об этом никто даже не догадывается. Т.е. более, чем вероятно, что на инсайде смогли отмыть через мошеннические схемы более 150 млрд чистой прибыли.Основные выводы1. Роста кредитования нет.2. Эмиссии MBS нет, т.к. нет роста кредитования.3. Рынок MBS под полным контролем ФРС и дилеров. Еще никогда в истории одна структура не держала такую долю рынка. 15% на 2012 и 20% на конец 2013. Вторичного рынка больше не существует в свободном формате. Цены регулируются ФРС.4. ФРС частная лавочка бангстеров и инсайдеров, которая действует прежде всего в интересах бангстеров и инсайдеров.5. По множеству косвенных и прямых признаков, инсайд о вероятном запуске QE1 был еще в начале 2008 года. Много подозрительных теневых операций по переброски средств в НКО. Откуда у НКО пол триллиона баксов, которые выкупали это говно в момент острой паники и краха. По моим оценка отмыли не менее 150 млрд чистой прибыли.6. Когда MBS в объеме не увеличиваются, а ФРС выкупает под 40 млрд в месяц + когда ФРС монетизирует гос.долг США, то избыточная ликвидность абсорбируется на рынке акций. Реципиентом являются дилеры – те, кто работает с ФРС и получает ликвидность от ФРС. НЕ нужно питать иллюзий, что рост фондового рынка чем то фундаментально обоснован. Очередная гнусная операция по перекачки ликвидности и поддержанию рентабельности фин.сектора в условиях, когда активность клиентов спала на рекордно низкий уровень. Не будет QE = не будет роста рынка.7. Единственной хорошей новостью является то, что этот бардак выходит на финишную прямую. Когда они сосредоточили в руках почти всю возможную власть и активы, то прорыв этого чуда-юда неизбежен. Учитывая то, насколько все ухудшилось за последний год, то ждать осталось не так и долго. Еще никогда контроль над активыми не был столь тотальным и всеобъемлющим.Более детальная таблица держателей MBS

25 сентября 2012, 13:50

ФРС может расширить список выкупаемых активов

Федеральная резервная система может увеличить объемы и расширить список активов, выкупаемых в рамках проведения третей программы количественного смягчения. Об этом заявил президент Федерального резервного банка Сан-Франциско Джон Уильямс.Такие действия возможны в ответ на слабую реакцию экономики США на текущий формат стимулирования экономики."В отличие от наших прошлых программ по выкупу активов у этой нет заранее определенной даты завершения. Вместо этого она напрямую привязана к тому, что происходит с экономикой. Мы можем даже расширить наши покупки, с тем чтобы включить в них другие активы", - заявил Уильямс.Уильямс также отметил, что хоть и согласно мандату ФРС список бумаг, который может быть на балансе регулятора, ограничен, однако все еще есть возможность выкупа казначейских облигаций всех сроков обращения, долговых обязательств ипотечных агентств Freddie Mac и Fannie Mae.Помимо этого, Уильямс также ожидает продления сроков программы "Твист". "Я ожидаю, что мы продолжим эту программу в 2013 году, и я также думаю, что существуют сильные предпосылки для увеличения объемов или продолжения выкупа других активов в 2013 году, включая Treasuries с более длительными сроками обращения", - отметил Уильямс.По прогнозам представителя регулятора, ФРС удастся добиться снижения безработицы до 7,25% уже в 2014 г., поэтому программа выкупа активов будет завершена до конца 2014 г.