Buradasınız

Anasayfa » Content

2008 MORTGAGE KRİZİ VE BEKLENTİ RİSKİ

2008 MORTGAGE CRISIS AND EXPECTATION RISK

Journal Name:

  • Akademik Bakış

Publication Year:

  • 2012

Key Words:

Keywords (Original Language):

Author NameUniversity of AuthorFaculty of Author
Abstract (2. Language): 
The influences of the 2008 mortgage crisis of U.S. was felt all over the world. The main reason of the mortgage crisis is the changing direction of the expectations. Mortgage credits assisted the expansion of the financial markets, since they have appeared. The rise of the estate prices are commonly accepted. The financial expansion provided by the mortgage loans and the mortgage system takes its power from this point. Mortgage system is the only financial system which takes its power from the expectations. Till 2008 mortgage crisis, the real estate experts was used to try to determine the regions which can bring more rise of value and the probability of fall of value was not mentioned. With the 2008 mortgage crisis, expectation of fall of value is intensified at every region of U.S. unexpectedly. Expectation risk has taken itsplace as a new risk for the financial markets. Till 2008 mortgage crisis, the real estate experts was used to try to determine the regions which can bring more rise of value and the probability of fall of value was not mentioned. With the 2008 mortgage crisis, expectation of fall of value is intensified at every region of U.S. unexpectedly. Expectation risk has taken itsplace as a new risk for the financial markets.
Bookmark/Search this post with
Abstract (Original Language): 
Amerika Birleşik Devletleri’nde 2008 senesinde yaşanan mortgage krizinin etkileri tüm dünyada hissedilmiştir. Mortgage krizinin temel sebebini beklentilerin yön değiştirmesi oluşturmuştur. Mortgage kredileri, ortaya çıkmalarından bu yana finansal piyasaların genişlemesine yardımcı olmuşlardır. Konut fiyatlarının artışı genel kabul görmüş bir durumdur. Mortgage kredileri ve mortgage sisteminin sağladığı finansal genişleme gücünü buradan alır. Gücünü tamamen beklentilerden alan tek finansal sistem mortgage sistemidir. 2008 mortgage krizine kadar, gayrimenkul değerleme uzmanları, daha fazla değer artışı sağlayabilecek bölgeleri tespit etmeye çalışırlardı ve değer düşmesi ihtimalinden söz edilmezdi. 2008 mortgage krizi ile beklenmedik bir şekilde Amerika Birleşik Devletleri’nin tüm bölgelerinde değer düşmesi beklentisi şiddetlendi. Beklenti riski de de finansal piyasalar için yeni bir risk olarak yerini aldı.
FULL TEXT (PDF): 
PDF icon arastirmax-2008-mortgage-krizi-beklenti-riski.pdf
  • 28
1-6
  • Turkish

REFERENCES

References: 

BAKER, Pamela Smith ve BAKER, Jay Keith (2010),”Private Mortgage Insurance Essential
Link in the Financial Services Institution Audit Chain”;
http://www.aabri.com/NC2011Manuscripts/NC11063.pdf, (28.06.2011).
BDDK (2008), “ABD Mortgage Krizi”, Çalışma Tebliği, Ağustos.
COATS, Warren ve HARGROVE, Sarah, (2008), “The U.S. Mortgage Market: the Good, the
Bad and the Ugly”, USAID, July;
http://pdf.usaid.gov/pdf_docs/PNADN468.pdf, (27.06.2011).
CUMMINGS, Jean ve DIPASQUALE, Denise (1997), “A Primer on the Secondary Market”,
New York, National Community Development Initiative Meetings.
DEMİRKOL, Erçin, “Mortgage Yasası”, Finansbank;
http://www.gyoder.org.tr/zirve7/Z7sunum/Ercin.Demirkol.Mortgage.Yasasi.pdf, (24.06.2011).
DOLUN, Leyla (2007) “İpoteğe Dayalı Konut Kredisi (Mortgage)”, Türkiye Kalınma Bankası,
Ekonomik ve Sosyal Araştırmalar Müdürlüğü, Ankara, Şubat.
GEANAKOPLOS, J.D. and KONIAK, S.P. (2009, March 4). Matters of principal.
The New York Times, 4 mart;
http://www.nytimes.com/2009/03/05/opinion/05geanokoplos.html, (20.05.2011).
HOAK, A. (2010), “New Program to speed short sales”, The Wall Street Journal;
http://online.wsj.com/article/SB126852717191861875.html, (04.06.2011).
JAFFEE, Dwight M. (2008), “The U.S. Subprime Mortgage Crisis: Issues Raised and Lessons
Learned” The International Bank for Reconstruction and Development / The World Bank, On
behalf of the Commission on Growth and Development;
http://www.growthcommission.org/storage/cgdev/documents/gcwp028web.pdf, (27.06.2011).
MIN, David (2011), “The Perils of Privatizing the U.S. Mortgage Finance System”, Center for
American Progress, www.americanprogress.org.
NELSON, Ashlyn Aiko (2010), “Bailing Out Underwater Mortgages”, SPEA Insights, May;
http://www.indiana.edu/~spea/faculty/policy_briefs/mortgages_nelson.pdf, (19.06.2011).
RAPKIN, Charles (1967), “The private insurance of home mortgages: a study of Mortgage
Guaranty Insurance Corporation”, Institute for Environmental Studies: University of
Pennsylvania, 1967.
http://www.alomaliye.com/2008/abdulkadir_gulsen_abd_ab.htm, (21.06.2011)

Thank you for copying data from http://www.arastirmax.com