公开(公告)号：US20080288415A1

公开(公告)日：2008-11-20

申请号：US11750808

申请日：2007-05-18

申请人： Debashis Ghosh ,  Sudeshna Banerjee ,  William Michael Upchurch ,  Robert H. Eshleman ,  Christopher James trainor ,  Frank B. Turner

发明人： Debashis Ghosh ,  Sudeshna Banerjee ,  William Michael Upchurch ,  Robert H. Eshleman ,  Christopher James trainor ,  Frank B. Turner

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/06

摘要： Systems and methods are illustrated for providing an equity protection product to a borrower of a loan. Aspects of the equity protection product may be implemented using an equity protection agreement. The equity protection product may be used to safeguard a borrower's investment in the event of a housing market downturn. In some examples, once the equity protection is purchased, the borrower's equity can only increase or remain stable (i.e., flat) regardless of market conditions. The payoff amount of the borrower's loan may be reduced to compensate for a change in the market value of the borrower's home. The equity protection product may be provided by a lending institution, bank, or any other comparable entity/person. A trading desk may also be used to hedge against the risk created by the equity protection product. In addition, an appraiser may also be used to evaluate and provide current market values of the relevant property.

摘要翻译： 说明了向贷款借款人提供股权保护产品的制度和方法。 股权保护产品的方面可以使用股权保护协议实施。 房地产市场低迷时，股权保护产品可用于维护借款人的投资。 在一些例子中，一旦购买了股权保护，借款人的权益只会增加或保持稳定（即持平），不论市场情况如何。 可以减少借款人贷款的支付金额，以补偿借款人家庭的市值变化。 股权保护产品可以由贷款机构，银行或任何其他类似实体/人员提供。 交易柜台也可用于对冲股权保护产品所产生的风险。 此外，估价师也可以用来评估和提供相关财产的当前市场价值。