mortgage enkhbold
TRANSCRIPT
-
8/12/2019 Mortgage Enkhbold
1/31
!"#$%"$##$&$'()*'+,#+--".,/,'#00100"-#23#,')+2
!"#-$%&'())%4.5'#.6"%
2012.02.29
-
8/12/2019 Mortgage Enkhbold
2/31
!"##$"%
! !"#$"% "("# )**+,**%-%. .//01 2#22$34# 5-46-%! 7% 026%20 02(2#$2 0*6-%6-# -8-$96 )-#0//,3%.! !"($:, $;, **%? ;(0 @/4# @"03+**%-%.! !"#$"% 3A".:B34# @-0 @;;%! 7% 026%20 02(2#$34# @-0 @;;%6 .*%$-C6-, 5-4$--
-)**6%**6
! D3468;(%;0 -($- @-C! E/$#;%.! F3G;;H I("# )**+#& C"($:,34# @;;%34# .""+""%"%
-
8/12/2019 Mortgage Enkhbold
3/31
!IJKIL MLNOJ IPIJNMMQFMMLRLSOJ S77>1
TJTTKUVJ WRVERL
-
8/12/2019 Mortgage Enkhbold
4/31
&'("'$ #$*+( ','( *##-.##$%$/+( /001
! 2334 '(''* 56(51 7'-8%$896+( 0:8;( ','( *##-.##$%1 15/5$MY .*)%-C,.-4 5-(3%$-,**%-%.1 5/.;;# 5-4$**%-%.1 NISYZ1 NISY[
B"CA-#3*6
! 233= '(+ >?,'( *##- 1#@AB$%1 /#1%;C 1##$8%, #$*+( 56B$5$D
-
8/12/2019 Mortgage Enkhbold
5/31
&'("'$ #$*+( ','( *##-.##$%$/+( /001
! 2000 6'66/-#"-'-%)*'+,/,(/-&(-##,'%",(,7,*.6"1,8',"7,'%6&66%.,*/,'.,'9.,&)"(:'/,".,&/-&(-/-'
! *+%,++-.+/011203-3%4115%$677232&328797247%! 2004-2008 3%11.+.40,000 +:2$%3-3%4115%$9;8;2
-
8/12/2019 Mortgage Enkhbold
6/31
=
&'("'$ #$*+( 10( %6F GHIJ *%K &'("'$ #$*+( (8;/ 5,18;( /''F I2=H444 LJ42G44 5,1 ','( *##-%% *%;.,##$%1
M%%,D$%"%/%;N
I4O (A "E, 1',''$'$D P4O (A 8(.:(:,8;( 1'$
-
8/12/2019 Mortgage Enkhbold
7/31
CRSTU VWXUUT
V!YQZZ[![XC\ZT\ ]ZQ!^!!T_
`?aS[X?X ]bXb[Vba
([]ZZY[]Z^)
-
8/12/2019 Mortgage Enkhbold
8/31
7L >TELT> >TPTJKT
>MERLERJ R_RK`EOJNRJ>77FULS
-
8/12/2019 Mortgage Enkhbold
9/31
?,'( *##-(+ 9%1 9EE$
\0 )*(8-%,H !"#$"% UA".:B34# a"(A"(-+3
-
8/12/2019 Mortgage Enkhbold
10/31
-
8/12/2019 Mortgage Enkhbold
11/31
&',":. "E. d# @E?! E;%034# *%)**6-6 C"($:,34# @;;% $;6;$ #? "("# )**+#& 5"%"# 53@#:)34#
@"(3*%-%..-4 /% 026%20 02(2#$22( #? 5-(?+--%-# @;;% "%$"0&$ 0;%6;$b
! >;634$;;( ."Ccd"%"% #? *%) "(#**6-6 22( 5-46-$ 9 6"(03 "4%$"%.**6 #? 5/0$-@-( -63% *.$-.-4b ( RJMY6 C"($:,1 e8("AY6 3A".:B $;, #;(%;$66;$b !-#-40**%3#6 3A".:B $;);#)
! X-4%G$/4 .-83$6-0 G--(6%-$**6:! X--8-% "("# )**+#& 6--.$-%6 0-C(-$6)-# 5-40! &',":.H X;;%6//%;$9 #? 02(2#$34# /#;. +--)#--) "%, 5-4$-- 0//
("(%"$")b
! \#; #? 02(2#$34$ 0;(;$%;0 ;)8;% 02(2#$34$ *).$-0&$ 0f@$--(%-)-#0f@$--(%-%.**6.-4b
! >2(2#$34$ 0*6-%6-0--) 2C#2 /%6;$6;% 2(34$ .2%, 5-(-$6**%-01! Foreclosure: T(22 #? .2%, 9-6-0$/4 ;@;CG3$9;;) 5-(?+--%-$6)-#
02(2#$34$ -89 6**6%-$--( 0*6-%6-0! >2(2#$34$ 5*)6-6 6-03# ;@;CG//%;0 ;)8;% 02(2#$34# ;@;CG30
;(0;; 0/93#$/4 5"%$"0
\0 )*(8-%,H ghihjklhm
-
8/12/2019 Mortgage Enkhbold
12/31
! &'("'$+( Se'/:c8;( f',e',%-8! Z] !"($:,34# 5-$+34$ 0*6-%6-, -8)-#! N-#0//$34# X"03+**%-0 >"(""#"") [n .;(5*C .2$(2$34# 7% 026%20
02(2#$22( 5-.-%$--,)-# 5"#6 $-($-0 @28G22(2% -8)-#b
! J34. obp .;(5*C .2$(2$34# [1 qbn1 n ,3%34# 0*$-+--.-4 ZrYZrbn%0//.;4 5"#6 $-($-)-#b !"#$"% 5-#B#& REPO)-#0//,3%.;;(5/(.$;$6;, -(3%,--#& 5-#B**6-6 0*6-%66)-#b
! KfW: X-)$34# $-@(--( @-03-%, X;;%1 .:0#3B34# .*)%-%+--! ?,'( *##- 7%(100.8$/8;( f',e',%-8
! r]1]]] -4% "("# )**+#& 02.2%52( 0;(;$,//%);#! r1]]] -4% .2(34# -%5-# 0--$934# "("# )**+! Z]]1]]] -4% "("# )**+#& D3#; 5/.;;# 5-4$**%-%. 02.2%52(34#
0/(;;#6 0;(;$,//%;0
?,'( *##- *%(100.00$E"B
-
8/12/2019 Mortgage Enkhbold
13/31
Se'/:c8;( 9%1 9EE$8;( 1##$AH .#,6##D
! []]s t uUA".:B34# @;;%34# /%$;(93%);# ,*(-Cv !Ua1 !"#$"% W-#B! []]oY]p Y u7% 026%20 02(2#$34$ 5-(?+--%-0 .*0-4 0**%?v! []]o t UA".:B34# @;;% "%$"0 $-( -8%-$-1 IMNa(IFC)1 !Ua! []Z]Y]ZY u>2(2#$34# /#;%$;;#34 .*0-4v 0**%?! []Z]Y]r t u>2(2#$22( 5-.-%$--,)-# /#;. +--)#& .*0-4v 0**%?! []Z] t uI("# )**+#& ,3,3$ @;;% "%$"0 $-( -8%-$-v !Ua! []Z[Y]ZYvX;;%34# C;6;;%%34# )-#$34# .*0-4v 0**%?
-
8/12/2019 Mortgage Enkhbold
14/31
&'("'$+( 8e'/:c8;( (6',":.) 9%1 9EE$
\0 )*(8-%,H !"#$"% UA".:B34# a"(A"(-+3
-
8/12/2019 Mortgage Enkhbold
15/31
6',":.9%1 9EE$
\0 )*(8-%,H !"#$"% UA".:B34# a"(A"(-+3
-
8/12/2019 Mortgage Enkhbold
16/31
&'("'$+( 8e'/:c8;( (6',":.)9%1 9EE$
\0 )*(8-%,H !"#$"% UA".:B34# a"(A"(-+3
-
8/12/2019 Mortgage Enkhbold
17/31
g8$8;(E-E*/
TE" 9EE$DE"B8D (''"D'19EE$8;( 5,8;( 0$DE"DE$ h*%K
/5"ih
T8;/9EE$DE"B8;( /''
`%1 9EE$8;(.8"(E*E( D#(D%.
100H O
2005 60000 4,774 14,70
2006 80000 8,984 17,80
2007 100000 16,444 16,00
2008 130000 16,590 18,702009 140000 16,628 17,20
2010 170000 19,700 15,75
2011 250000 26,491 16,94
\0 )*(8-%,H !"#$"% UA".:B34# a"(A"(-+3
&'("'$+( 8e'/:c8;( (6',":.)9%1 9EE$
-
8/12/2019 Mortgage Enkhbold
18/31\0 )*(8-%,H !"#$"% 5-#B1 IM_N1 !Ua1 >>W
&'("'$+( 6',":.8;( 9%1 9EE$8;( 5*5$/
-
8/12/2019 Mortgage Enkhbold
19/31
&'("'$+( 6',":.8;( 9%1 9EE$8;( 5*5$/
\0 )*(8-%,H !Ua1 >>W
-
8/12/2019 Mortgage Enkhbold
20/31
7L >TELT> >TPTJKUVJ XR>
X\\LE SMLKR!ERF WRVKRRRNMMELMME
-
8/12/2019 Mortgage Enkhbold
21/31
-
8/12/2019 Mortgage Enkhbold
22/31
! S6e',/+(
-
8/12/2019 Mortgage Enkhbold
23/31
-
8/12/2019 Mortgage Enkhbold
24/31
DUVE_\PL\> RPKR XR!
-
8/12/2019 Mortgage Enkhbold
25/31
`%1 9EE$8;" 9'18*/'; 1%,8$-%%"
-
8/12/2019 Mortgage Enkhbold
26/31
?,'( *##-8;" 1#D%$D%( %@%"B8D+" *%(100.00$E1
! I("# )**+ N-#0//,3%.34# a"(A"(-+34# .2(34# "("%+""."41 !"#$"%UA".:B34# a"(A"(-+34# 0*834# 0;8G%34# "("%+""$ .;#+8;(,//%);#12()2%622#. #20+2%34$ 0-#$-0 5"6%"$" 5-(3C.%-0
! !UaY$ 02% 6;;(;; @"$)."% .2(34# 6;C,%;$ G--(6%-$-.-4 5-4$-- *9(--) ro0/(.%;0 0*834$ S2( ;@;CG3, !UaY6 X-)$34# $-@( 5-.-%$--$ -8-05"%"C,34$ #;;, 2$20
! S;.$;8(34# )-#$34# 02(2#$34$ @2802# /% 026%20 02(2#$22( 5-.-%$--,)-# /#;.+--) 0*6-%6-, -86-$ 0**%34# 22(9%2%.34$ #;# 6-(*4 $-($-0
! M%) .2)28 .;.$;8(34# )-#6 .2%20 [ .(3%%3"# .2$(2$34# 2(22 #;# 6-(*4.2%20
! !"#$"% 5-#B#& #22+34# [n%Y3-( 7% 026%20 02(2#$22( 5-.-%$--,)-# /#;.+--) 0*6-%6-, -8-0
-
8/12/2019 Mortgage Enkhbold
27/31
! !UaY34$ 6;C,3,1 @-0 @;;%6 2()2%6//%;0! X-0 @;;%34# @-(9C--( C2#$2 5")$"0 C:0-#3@C34$ 5/(6//%, 5-4$--
!"#$"% UA".:B34# a"(A"(-+34$ 6;C,3, -,3%%-0 G--(6%-$-.-4b
! !UaY34# $-($-, 5-4$-- /% 026%20 02(2#$22( 5-.-%$--,)-# 5"#6&$0*6-%6-# -8-0b
! I("# )**+ 0*6-%6-# -8-$96&$ )-#0//,//%;0 C:0-#3@CH! I("# )**+ 0*6-%6-# -8-$936 *(?693%$-- q] 0*834$ 22(22 .2%20! 7%6);# p] 0*834$ /% 026%20 02(2#$22( 5-.-%$--,)-# /#;. $-($-, 5-$-
0//.;4$;;( $-($-, @-)$34# $-@-( 5-.-%$--,3%. "%$"0
?,'( *##-8;" 1#D%$D%( %@%"B8D+" *%(100.00$E1
-
8/12/2019 Mortgage Enkhbold
28/31
! E".""6 5-(3%$ B"CA-#3*6 "(93# /:34#1 9-#-(.-41 G--(6%-$-0-#$-)-# 5-(3%$- 5-(?, 9-6-, 5-4#-
! >-(3# 5-(?)-# 5-(3%$&$ #? -8-0 0;(;$%;$936 5-#B**6 xX;;%34#*(?693%$--#& 0*8? Y ,3%34# 0// t @;;% .2%20 0*$-+-- #? q]Y^Yq]y $;);# @;;%
"%$", 9-6-0$/4 5-4$--! E;%034# 0-C$34# 2#62( 2)2%..;4 ;634# @-)-$.-4 *%)-6 @;;% "%6"#"! !"#$"% M%)-6 LIBOR+ @;;% 2$#2! W36 C"($:,34# @-0 @;;%;; IM ./8G3#$34# @"03+**%-%..-4 5"%$", 9-68-%
!UaY34# 5"#6 $-6--6 @-0 @;;%6 5"(%"$6"#"
! U(;0 r ,3%34# C3#3C*C @"(3%.: n] B8bC 0/(.;% .-%5-4 5/0341 Z B8bC #? Z)-f .2$(2$22) 0;.(;0$/4 G--(6%-$- 0-#$-)-# 5-4(.-4 5"%"0 $;);#RFULSRV1 -#0#& 5-4(-- -89 5-4$-- 2(0 5/(34$ q]Y^Yq] $;6;$ @;;% -899-6-0*4+ 0/(.;% )-#0//,//%;0
\WQTU[X
-
8/12/2019 Mortgage Enkhbold
29/31
?,'( *##-(+ 6',":.8;( 9EE$8;( /''-''$'$
2 c@i6 (A 2 *%K X5" 0(E/E; J4 c@i6 ','( *##-(+ 6',":.
'D''"8;( 6',":.H
P4k2Jk2J
8,EED0;( 6',":.H
P4k=kP4
W-4(#& /#; 50,000,000 50,000,000
M(?693%$-- 15,000,000 15,000,000
X;;%34# 0;C,;; 35,000,000 35,000,000
N-( .2%52( 489,855 209,843
T(034# N-( "(%"$" 1,469,565 629,529
-
8/12/2019 Mortgage Enkhbold
30/31
?,'( *##-(+ 6',":.8;( 9EE$8;( /''-''$'$
2 c@i6 (A 2 *%K X5" 0(E/E; l4 c@i6 ','( *##-(+ 6',":.
'D''"8;( 6',":.30-15-15
8,EED0;( 6',":.30-6-30
W-4(#& /#; 40,000,000 40,000,000
M(?693%$-- 12,000,000 12,000,000
X;;%34# 0;C,;; 28,000,000 28,000,000
N-( .2%52( 391,884 167,874
T(034# N-( "(%"$" 1,175,652 503,622
-
8/12/2019 Mortgage Enkhbold
31/31
!T]!!a![ X!mn7!T\V!oa[![!!