Single Family Guarantee Fees Report
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The Federal Housing Finance Agency (FHFA) today issued its annual report on single-family guarantee fees charged by Fannie Mae and Freddie Mac (the Enterprises). Guarantee fees are intended to cover the credit risk and other costs that the Enterprises incur when they acquire single-family loans from lenders. These costs include projected credit losses from borrower defaults over the life of the loans, administrative costs, and a return on capital. The report compares year-over-year 2020 to 2019 and provides statistics back to 2018. Significant findings of the report include: For all loan products combined, the average single-family guarantee fee in 2020 decreased 2 basis points to 54 basis points. The upfront portion of the guarantee fee, which is based on the credit risk attributes (e.g., loan purpose, loan-to-value (LTV) ratio, and credit score), decreased 2 basis points to 11 basis points on average. The ongoing portion of the guarantee fee, which is based on the product type (fixed-rate or adjustable-rate, and loan term), remained unchanged at 43 basis points on average. The average guarantee fee in 2020 on 30-year and 15-year fixed rate loans remained unchanged at 58 basis points and 36 basis points, respectively. The fee on adjustable-rate mortgage (ARM) loans increased 1 basis point to 57 basis points. The Housing and Economic Recovery Act of 2008 requires FHFA to conduct ongoing studies of the guarantee fees charged by the Enterprises and to submit a report to Congress each year.
공무원연금공단 대출종류별 대출 추이
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공무원연금 융자사업 대출종류별(대여학자금,연금대부학자금,연금대부,생활안정자금,의료비 등) 대출 현황 데이터입니다. (단위:건,백만원), 주) 1. "90년부터 생활안정자금대부 폐지 2. "99년부터 연금대부학자금, 의료비, 경조비, 재해복구비, 자립지원자금대부, 전세자금 폐지 3. 공무원연금대부 : "01년 5월부터 공무원 생활안정에 필요한 자금을 지원하기 위해 공무원연금기금을 재원으로 대부 실시 4."99년 이후의 "봉급자신용대출"란의 실적은 "공무원가계자금, 생활안정자금,단기재직자 융자알선" 실적임("09년부터는 연금수급자 융자알선실적 포함) 5. 주택자금융자알선 : "98년까지는 해당금융기관에 대출조건부 정기예금을 예치하여 운영한 것이고, "99년 이후에는 기금을 예치하지 않은 공무원주택담보융자알선임("04.11월 폐지)