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Exposure at default or (EAD) is a parameter used in the calculation of economic capital or regulatory capital under Basel II for a banking institution. It can be defined as the gross exposure under a facility upon default of an obligor. [1] [2] Outside of Basel II, the concept is sometimes known as Credit Exposure (CE). It represents the ...
Income-producing real estate - financing real estate that is usually rented or leased out by the debtor to generate cash flow to repay the exposure; High-volatility commercial real estate - financing commercial real estate, which demonstrate a much higher volatility of loss rates as compared to other forms of specialized lending
Loss given default or LGD is the share of an asset that is lost if a borrower defaults.. It is a common parameter in risk models and also a parameter used in the calculation of economic capital, expected loss or regulatory capital under Basel II for a banking institution.
A deed in lieu of foreclosure is a deed instrument in which a mortgagor (i.e. the borrower) conveys all interest in a real property to the mortgagee (i.e. the lender) to satisfy a loan that is in default and avoid foreclosure proceedings. The deed in lieu of foreclosure offers several advantages to both the borrower and the lender.
Real estate can be valued or devalued based on the amount of environmental degradation that has occurred. Environmental degradation can cause extreme health and safety risks. There is a growing demand for the use of site assessments (ESAs) when valuing a property for both private and commercial real estate. [17]
(Reuters) -The father of a woman who died during last month's wildfires in Hawaii has sued the state and the county of Maui in a “first-of-its-kind” lawsuit accusing the governments of gross ...
A similar approach is taken to retail default, using the term "credit score" as a euphemism for the default probability which is the true focus of the lender. Some of the popular statistical methods which have been used to model probability of default are listed below. [17]: 1–12 Linear regression; Discriminant analysis; Logit and probit Models
Taxpayers who hold real estate as inventory, or who purchase real estate for re-sale, are considered "dealers". These properties are not eligible for Section 1031 treatment. However, if a taxpayer is a dealer and also an investor, he or she can use Section 1031 on qualifying like properties.