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Housing Finance: HFCK a diamond in the rough
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mwekez@ji
#161 Posted : Tuesday, September 18, 2012 6:08:28 PM
Rank: Chief

Joined: 5/31/2011
Posts: 5,121
#cha-ching! .... smile
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Aguytrying
#162 Posted : Tuesday, September 18, 2012 6:57:36 PM
Rank: Elder

Joined: 7/11/2010
Posts: 5,040
mwekez@ji wrote:
#cha-ching! .... smile


Any fear from land act? ama you are buying the fear?
The investor's chief problem - and even his worst enemy - is likely to be himself
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mwekez@ji
#163 Posted : Tuesday, September 18, 2012 8:44:41 PM
Rank: Chief

Joined: 5/31/2011
Posts: 5,121
Aguytrying wrote:
mwekez@ji wrote:
#cha-ching! .... smile


Any fear from land act? ama you are buying the fear?


Banks remain well covered. Fearing not. Niko in the buying side of this counter
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guru267
#164 Posted : Tuesday, September 18, 2012 9:03:40 PM
Rank: Elder

Joined: 1/21/2010
Posts: 6,675
Location: Nairobi
@mwekez@ji lets forget the risk premium stuff which HFCK also has for a minute!

mwekez@ji on Sept 17th wrote:
Housing Finance which lowered its base-rate to 18 per cent from 23 per cent said it expected more take-up of mortgages especially for the middle and lower end of the market and is scaling up development to meet demand from these market segments.



WAS IT 23%??


mwekez@ji on Sept 18th wrote:
@guru, while S&L was charging its existing customers over 19%p.a (19%+risk premium). HF was charging at an effective rate of 16%. Strong statement made by HF right there at the tough times.


OR WAS IT 16%??
Mark 12:29
Deuteronomy 4:16
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mwekez@ji
#165 Posted : Tuesday, September 18, 2012 9:47:49 PM
Rank: Chief

Joined: 5/31/2011
Posts: 5,121
guru267 wrote:
@mwekez@ji lets forget the risk premium stuff which HFCK also has for a minute!

mwekez@ji on Sept 17th wrote:
Housing Finance which lowered its base-rate to 18 per cent from 23 per cent said it expected more take-up of mortgages especially for the middle and lower end of the market and is scaling up development to meet demand from these market segments.



WAS IT 23%??


mwekez@ji on Sept 18th wrote:
@guru, while S&L was charging its existing customers over 19%p.a (19%+risk premium). HF was charging its at an effective rate of 16%. Strong statement made by HF right there at the tough times.


OR WAS IT 16%??


BOTH! 1st applying to new customers. 2nd applying to existing customers.

BTW, rates given by HF are the effective rates. No risk premium is loaded thereafter

.
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  | | Edit by user: Tuesday, September 18, 2012 10:17 PM | Reason: Not specified
mlennyma
#166 Posted : Tuesday, September 18, 2012 10:13:21 PM
Rank: Elder

Joined: 7/21/2010
Posts: 6,194
Location: nairobi
When u get the div. Cheque or eft pls alert me men of good will.
"Don't let the fear of losing be greater than the excitement of winning."
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guru267
#167 Posted : Wednesday, September 19, 2012 12:13:29 AM
Rank: Elder

Joined: 1/21/2010
Posts: 6,675
Location: Nairobi
mwekez@ji wrote:
BTW, rates given by HF are the effective rates. No risk premium is loaded thereafter


Are you saying that a banker with a mortgage in Runda will pay the same effective rate as a civil servant with a mortgage in umoja?
Mark 12:29
Deuteronomy 4:16
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mwekez@ji
#168 Posted: : Wednesday, September 19, 2012 12:56:50 AM
Rank: Chief

Joined: 5/31/2011
Posts: 5,121
guru267 wrote:
mwekez@ji wrote:
BTW, rates given by HF are the effective rates. No risk premium is loaded thereafter


Are you saying that a banker with a mortgage in Runda will pay the same effective rate as a civil servant with a mortgage in umoja?


What a question! You should know there are special classes of borrowers who enjoy lower rate than the effective rate that is made public.

BOTTOM LINE:
1. HF does not load risk premium on the effective rate
2. HF will continue to be the preferred mortgage lender
3. HF will continue winning market share

.
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  | | Edit by user: Wednesday, September 19, 2012 1:00 AM | Reason: Not specified
mwekez@ji
#169 Posted : Wednesday, September 19, 2012 1:15:56 AM
Rank: Chief

Joined: 5/31/2011
Posts: 5,121
hisah wrote:
I continue to fancy the volume spread. 2,014,300 shares traded today. Last week 1M shares were traded. Closed @13.25/-

The rebound will be snappish when it comes.



This is quite fanciable volume show. #Buy, buy this diamond
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mwekez@ji
#170 Posted : Wednesday, September 19, 2012 1:35:11 AM
Rank: Chief

Joined: 5/31/2011
Posts: 5,121
Top five banks (KCB, Equity, BBK, Co-op & StanChart) charge highest interest rate on loans

http://www.businessdailyafrica....98/-/n6k0qs/-/index.html

#HFCK, the preferred one stop mortgage shop!
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