# Real-estate credit (loan based on real estate, secured credit)

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- Post ID: 593993
- Modified: 2023-07-25T21:14:01+00:00
- Language: en

## Definition

Loans secured by mortgages on real estate. Depending on the creditworthiness of the borrower, a rough distinction is made between prime mortgage loans, which are usually secured by real estate owned by companies, and sub-prime mortgage loans, which are construction loans to financially weak borrowers, especially private households ("home builders"). - Since the global crisis on the real estate credit market in summer 2007, virtually only highly creditworthy real estate loans have been suitable for securitization. - See amortization, negative, loan-to-value, first-loss clause, Home Mortgage Disclosure Act, real estate prices, lending rule, long-term culture, mobile lending, mortgage equity withdrawal, panic selling, mortgage bond institutions, productive lending, urban areas, subprime lending, subprime crisis, taxe, homeownership. - ECB Monthly Bulletin, August 2009 (legal differences between euro area and U.S. mortgage markets). Attention: The financial encyclopedia is protected by copyright and may only be used for private purposes without express consent! University Professor Dr. Gerhard Merk, Dipl.rer.pol., Dipl.rer.oec. Professor Dr. Eckehard Krah, Dipl.rer.pol. E-mail address: info@ekrah.com https://de.wikipedia.org/wiki/Gerhard_Ernst_Merk https://www.jung-stilling-gesellschaft.de/merk/ https://www.gerhardmerk.de/

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