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    • 3. 发明申请
    • Methods and products for providing incentive compatible mortgage loans
    • 提供奖励兼容抵押贷款的方法和产品
    • US20090287510A1
    • 2009-11-19
    • US12214927
    • 2008-06-24
    • Jeffrey LangeJeffrey Lewis
    • Jeffrey LangeJeffrey Lewis
    • G06Q40/00
    • G06Q40/08G06Q40/00G06Q40/025G06Q40/06
    • A method for efficient first mortgage loans including the steps of identifying suitable borrowers for a marginally priced mortgage loan, determining an aggregate asset value of property owned by the suitable borrowers, determining a capital structure of the marginally priced mortgage loan for the respective property as between debt and equity, tranching the debt capital structure into a plurality of debt tranches, wherein lowest loan to value tranches have seniority over higher loan to value tranches, assigning each tranche an interest rate based upon a plurality of criteria including probability of default, correlation of default, and credit market conditions, creating a structured note which provides legal rights for each such tranche in a bankruptcy remote issuance entity and securitization or sale of such structured notes to investors.
    • 一种有效率的第一抵押贷款的方法,包括为边际抵押贷款确定合适的借款人的步骤,确定合适的借款人拥有的财产的总资产价值,确定相应财产的边际抵押贷款的资本结构, 债务和股权,将债务资本结构转为多笔债务,其中最低的贷款到价值分段具有较高的贷款与价值支出的资历,每个付款根据包括违约概率, 违约和信贷市场条件,创建一个结构化票据,为破产远程发行实体中的每个此类付款提供合法权利,并向投资者证券化或出售此类结构化票据。
    • 4. 发明申请
    • Method and system for reverse mortgage replication using remainder interests
    • 使用剩余利益的反向抵押复制的方法和系统
    • US20090106142A1
    • 2009-04-23
    • US12287312
    • 2008-10-08
    • Jeffrey LangeJeffrey Lewis
    • Jeffrey LangeJeffrey Lewis
    • G06Q40/00
    • G06Q40/02G06Q40/025
    • Methods for providing remainder interests with protection to a seller and mitigation of the potential consequences suffered by related financial instruments. The protected remainder interest financial instrument includes submitting a seller to underwriting to accurately determine the seller's remaining life expectancy, and purchasing the protected remainder interest of an illiquid asset from the seller leaving the seller with a life estate. The method includes a client system for displaying information related to the transaction and inputting information related to the seller, illiquid asset, and the buyer. The client system is used to create a request to create the protected remainder interest. A server system accepts the request, stores the information in memory, and creates the protected remainder interest. The server system includes software for linking seller and buyers of protected remainder interests, which include terms of the protected remainder interest such as contingent sale or contingent purchase schedules.
    • 为卖方提供剩余利益保护的方法,并减轻相关金融工具遭受的潜在后果。 受保护的剩余利益金融工具包括提交卖方承销以准确确定卖方的剩余预期寿命,以及从卖方离开卖方的生活财产购买流动资产的受保护的剩余利益。 该方法包括用于显示与交易相关的信息并输入与卖方,非流动资产和买方相关的信息的客户系统。 客户端系统用于创建一个创建受保护的剩余兴趣的请求。 服务器系统接受请求,将信息存储在内存中,并创建受保护的剩余兴趣。 服务器系统包括用于将受保护的剩余利益的卖方和购买者连接的软件,其包括受保护的剩余利益的条款,例如或有销售或或有购买计划。