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Realizing Stable and shared economic prosperity
DANISH MORTGAGE MODEL FACTS
2.8 million
of mortgage loans outstanding
$450 USD billion
of publically traded Danish mortgage bonds outstanding; 4x of Danish government securities
98%
of all Danish mortgages are funded through the capital markets
direct funding from capital markets
No sale to intermediary first.
Less capital intensive.
Largest
mortgage bond market in Europe
NO government sponsored
enterprise
0
government guarantees or insurance
200 years
no investor losses
0
bailouts during financial crisis.
aaa
rated
5 days
loan application to funding for borrowers
24 hours
for lender to receive funding directly from capital markets
Certainty of funds for mortgage loans
No funds. No mortgage loans. Funding prior to settlement. Funding when needed for lenders.
No reliance on warehouse lines needed
to fund mortgage loans
New issuances continued during 2008 crisis
without government assistance for mortgage lenders
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