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Original loan amount: $500K
TRADITIONAL PREPAYMENT
Sell home & Pay Off amount:
$500K
Sell home & Pay Off amount:
RDP
PREPAYMENT
$420K
Sell home & Pay Off amount:
THE
BENEFITS
Increase equity by:
$80K
On a $600K home value, increase ROI by 80% :
$180K vs. $100K
Business Case Example
CURRENT
TAKARA PROGRAM
Total assets: $30 billion
Portfolio FRM (#,$): 7,500, $5 billion
Avg. rate: 3.5%
Total unlocked value: $600 million
Borrower benefit per loan: $85,000
Bank fee per loan: $7,500
Bank Benefits
- New fees
- Origination flow
- Capital relief
- Improved liquidity
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