... investment will be riskier. The presence of collateral or guarantees also reduces investor risks. If all parameters are satisfactory, the investor can purchase the bond through a broker and begin receiving regular coupon payments. What are Mortgage Bonds? Mortgage bonds are a type of debt security backed by mortgage loans. Essentially, they are a structured instrument: the debt is secured by real estate collateral. The bank issues mortgage loans to individuals and sells these loans to a mortgage agent ...

... significantly impact bond prices, particularly with large investments. Basis points are an essential tool for more accurately assessing changes in interest rates and yields. They play a role not only in investments but also in everyday credit products such as mortgages and consumer loans. Understanding basis points helps investors and borrowers navigate the financial landscape, from interest rates to bonds and spreads, making them more confident in their financial decisions. Sergey Tereshkin, Founder and CEO of the Oil Products and Raw Materials Marketplace OPEN OIL MARKET

... capital movement controls limit volatility. The Bank of Russia will factor in the exchange rate when proceeding with further easing to ensure that a weakening ruble does not spike inflation. Following a brief drop, the stock index quickly recovered, and bond yields had already accounted for the rate decrease. The initiated easing cycle generally creates favorable conditions in financial markets. Lending and Mortgages An extended period of high borrowing costs has significantly stalled loan growth in Russia, a fact acknowledged by the Central Bank in its forecasts. Hence, the expected growth in retail lending for 2025 has been reduced to only 1–4% (previously ...

... payments, even if bond prices do not rise. Overall, given economic growth and a gradual easing of price pressures, government bonds appear to be a reliable component of a portfolio. Real Estate and Other Assets Real estate is traditionally one of the primary ... ... avenues during times of rising household prosperity. Higher wages improve housing affordability: more families can save up for a mortgage down payment or expand their budget for buying property. In the short term, high interest rates make mortgages costly,...

... US. Their metrics (number of homes sold, new orders, average prices) are critically important against the backdrop of rising mortgage rates and changes in the real estate market. If builders show confident growth, it will serve as a positive signal for ... ... indicated concerns about inflation and a commitment to tightening policy, the pound could strengthen, and British government bonds (yields) could rise. However, a softer tone (for instance, mentioning signs of economic slow-down or recession risks) would ...