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- Subprime_mortgage_crisis abstract "The U.S. subprime mortgage crisis was a nationwide banking emergency that triggered the recession of 2008, through subprime mortgage delinquencies and foreclosures, resulting in the devaluation of the attendant securities.These mortgage-backed securities (MBS) and collateralized debt obligations (CDO) initially offered attractive rates of return due to the higher interest rates on the mortgages; however, the lower credit quality ultimately caused massive defaults. While elements of the crisis first became more visible during 2007, several major financial institutions collapsed in September 2008, with significant disruption in the flow of credit to businesses and consumers and the onset of a severe global recession.There were many causes of the crisis, with commentators assigning different levels of blame to financial institutions, regulators, credit agencies, government housing policies, and consumers, among others. A proximate cause was the rise in subprime lending. The percentage of lower-quality subprime mortgages originated during a given year rose from the historical 8% or lower range to approximately 20% from 2004 to 2006, with much higher ratios in some parts of the U.S. A high percentage of these subprime mortgages, over 90% in 2006 for example, were adjustable-rate mortgages. These two changes were part of a broader trend of lowered lending standards and higher-risk mortgage products. Further, U.S. households had become increasingly indebted, with the ratio of debt to disposable personal income rising from 77% in 1990 to 127% at the end of 2007, much of this increase mortgage-related.When U.S. home prices declined steeply after peaking in mid-2006, it became more difficult for borrowers to refinance their loans. As adjustable-rate mortgages began to reset at higher interest rates (causing higher monthly payments), mortgage delinquencies soared. Securities backed with mortgages, including subprime mortgages, widely held by financial firms globally, lost most of their value. Global investors also drastically reduced purchases of mortgage-backed debt and other securities as part of a decline in the capacity and willingness of the private financial system to support lending. Concerns about the soundness of U.S. credit and financial markets led to tightening credit around the world and slowing economic growth in the U.S. and Europe.The crisis had severe, long-lasting consequences for the U.S. and European economies. The U.S. entered a deep recession, with nearly 9 million jobs lost during 2008 and 2009, roughly 6% of the workforce. One estimate of lost output from the crisis comes to "at least 40% of 2007 gross domestic product". U.S. housing prices fell nearly 30% on average and the U.S. stock market fell approximately 50% by early 2009. As of early 2013, the U.S. stock market had recovered to its pre-crisis peak but housing prices remained near their low point and unemployment remained elevated. Economic growth remained below pre-crisis levels. Europe also continued to struggle with its own economic crisis, with elevated unemployment and severe banking impairments estimated at €940 billion between 2008 and 2012.".
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- Subprime_mortgage_crisis subject Category:Financial_crises.
- Subprime_mortgage_crisis subject Category:Mortgage-backed_security.
- Subprime_mortgage_crisis subject Category:Subprime_mortgage_crisis.
- Subprime_mortgage_crisis comment "The U.S. subprime mortgage crisis was a nationwide banking emergency that triggered the recession of 2008, through subprime mortgage delinquencies and foreclosures, resulting in the devaluation of the attendant securities.These mortgage-backed securities (MBS) and collateralized debt obligations (CDO) initially offered attractive rates of return due to the higher interest rates on the mortgages; however, the lower credit quality ultimately caused massive defaults.".
- Subprime_mortgage_crisis label "Crise des subprimes".
- Subprime_mortgage_crisis label "Crise do subprime".
- Subprime_mortgage_crisis label "Crisi dei subprime".
- Subprime_mortgage_crisis label "Crisis de las hipotecas subprime".
- Subprime_mortgage_crisis label "Subprime mortgage crisis".
- Subprime_mortgage_crisis label "Ипотечный кризис в США (2007)".
- Subprime_mortgage_crisis label "أزمة الرهن العقاري".
- Subprime_mortgage_crisis label "サブプライム住宅ローン危機".
- Subprime_mortgage_crisis label "次貸危機".
- Subprime_mortgage_crisis sameAs Americká_hypoteční_krize_2007.
- Subprime_mortgage_crisis sameAs Crisis_de_las_hipotecas_subprime.
- Subprime_mortgage_crisis sameAs Subprime_hipoteken_krisia.
- Subprime_mortgage_crisis sameAs Crise_des_subprimes.
- Subprime_mortgage_crisis sameAs Krisis_hipotek_subprima.
- Subprime_mortgage_crisis sameAs Crisi_dei_subprime.
- Subprime_mortgage_crisis sameAs サブプライム住宅ローン危機.
- Subprime_mortgage_crisis sameAs 2008년_서브프라임_모기지_사태.
- Subprime_mortgage_crisis sameAs Crise_do_subprime.
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- Subprime_mortgage_crisis sameAs Q844541.
- Subprime_mortgage_crisis wasDerivedFrom Subprime_mortgage_crisis?oldid=605971620.
- Subprime_mortgage_crisis depiction Subprime_mortgage_originations,_1996-2008.GIF.
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