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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
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1. Mortgage bonds were publicly traded
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2. If bonds prices fell, borrowers could purchase bonds at lower prices like most corporate treasuries and reduce likelihood of negative equity
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3. Borrowers had right to prepay loans without penalty if rates declined
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AAA
Structured AAA mortgage bonds
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AAFC2(mex)
Rating achieved from Fitch Ratings as Asset Manager. Certified ISO-9000-2008 standard in securitizatin and master servicing
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0 to 40%
market share in Mexico. Built mortgage funding platform. CEO till 2015
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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).
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40%
international institutional investors for residential mortgage bonds
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Largest
issuer of residential mortgage bonds and largest provider of residential mortgages
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Anchor 1
working across the globe
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