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What is mortgage securitisation?

Mortgage securitisation is a sophisticated formula that banks use for their own benefit. It consists in grouping credit rights in the same portfolio, to obtain financing while eliminating risks. In other words, the bank groups the collection rights it holds on all the mortgages it has granted to be able to issue new financial products to sell to other investors.

Origin of mortgage securitisation

Mortgage securitisation was regulated through the Real Estate Investment Funds and Companies and Mortgage Securitisation Funds Act (Ley 19/1992, de 7 de julio). which allows financial institutions to sell their mortgages to third parties, thereby eliminating all risk.


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