The US Housing Market and the Subprime Mortgage Crisis (A)


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Please note:

This case study was compiled from published sources, and is intended to be used as a basis for class discussion. It is not intended to illustrate either effective or ineffective handling of a management situation. Nor is it a primary information source.

Case Details:

Price:

Case Code : BENV014 For delivery in electronic format: Rs. 400;
For delivery through courier (within India): Rs. 400 + Rs. 25 for Shipping & Handling Charges

Themes

-
Case Length : 21 Pages
Period : 2001-2007
Pub Date : 2008
Teaching Note : Not Available
Organization : -
Industry : Financial Services
Countries : USA

Abstract:

From 2006 onwards, real estate markets in different regions in the US experienced declines in house prices, after a period of double-digit growth rates between 2000 and 2005.

These declines in house prices, coupled with rising interest rates seriously affected the borrowers of subprime mortgages, with a large number of them defaulting on their loans. The high rate of defaults in subprime loans was seen as an indicator of the worsening situation in the housing market and the US economy as a whole.

The case discusses the growth of the US mortgage market.

It describes the boom period of the US mortgage market between 2000 and 2004 and the resultant expansion in subprime lending. It also attempts to describe the reasons behind the US subprime mortgage crisis in 2006-07.

Issues:

Learn about the evolution of the US mortgage market.

Understand the reasons for the crisis in the US housing market.

Understand the role of the different players in creating the crisis.

Discuss the benefits to the US economy from the growth in subprime lending, as well as the problems

Contents:

  Page No.
Introduction 1
Background Note 2
The US Mortgage Market in the Early 2000s 4
The Crisis 5
Some Perspectives 7
Outlook 9
Exhibits 11

Keywords:

US Housing Market, Mortgages, Subprime Crisis, Mortgage-backed Securities, Housing bubble, Secondary Mortgage market, Federal Funds Rate, Collateralized Debt obligations

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