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Realizing Stable and shared economic prosperity
case study: Mexico
Hito--Danish model Mortgage funding platform customized for mexico
95% of Economic Outcomes Achieved
1. Mortgage bonds were publicly traded
2. If bonds prices fell, borrowers could purchase bonds at lower prices like most corporate treasuries and reduce likelihood of negative equity
3. Borrowers had right to prepay loans without penalty if rates declined
AAA
Structured AAA mortgage bonds
AAFC2(mex)
Rating achieved from Fitch Ratings as Asset Manager. Certified ISO-9000-2008 standard in securitizatin and master servicing
0 to 40%
market share in Mexico. Built mortgage funding platform. CEO till 2015
USD 5.5 Billion
portfolio consisting of 250,000 loans
Photo by Ivon Gorgonio from Pexels
case study: Denmark
Totalkredit--danish model-Mortgage funding platform
Biggest Financial Success
in Denmark over last 30 years
Private Sector
based. No government funding, guarantees, insurance or support
USD 100 Billion
Balance sheet
0 to 50%
market share in Denmark. Built mortgage funding platform from scratch. Founder / CEO (till 2018).
40%
international institutional investors for residential mortgage bonds
Largest
issuer of residential mortgage bonds and largest provider of residential mortgages
Anchor 1
working across the globe
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