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Published by: Ivey Publishing
Originally published in: 2005
Version: 2005-10-20
Length: 10 pages
Data source: Published sources

Abstract

Mortgages are one of the most complex products offered by financial institutions. This is because valuation of these instruments involves an understanding of certain relatively confusing financial concepts. These are: (a) the present value concept; (b) term versus amortization; (c) stated yield compounding frequency of payment; and (d) mortgagee''s required yield (otherwise called the opportunity cost of capital). This note discusses these concepts.

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Abstract

Mortgages are one of the most complex products offered by financial institutions. This is because valuation of these instruments involves an understanding of certain relatively confusing financial concepts. These are: (a) the present value concept; (b) term versus amortization; (c) stated yield compounding frequency of payment; and (d) mortgagee''s required yield (otherwise called the opportunity cost of capital). This note discusses these concepts.

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