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PART 1 (00:00- 03:16)

Home owners represent  …….…. that represent …………..

What is the financial system?

What two events forced the US Federal Reserve to lower interest rates down to 1%?

How did banks make a lot of money?

Complete: Leverage turns good deals into……..

PART 2 (03:16- 06:28)


How did the Wall street connect home owners and investors?

Who do home owners contact?

Why is becoming a home owner a safe investment?

What does the lender get when he sells the mortgage to the investment banker?

How do they compensate for the higher risk mortgages?

What’s the credit rating agency role?

PART 3 (06:28 – 07:32)


Why can’t the broker grant more mortgages?

Since they are covered in the home owners default, lenders decide to do what?

PART 4 VIDEO2 (00:00- 01:57)

Foreclosure: execución dunha hipoteca

Why no one was worried about buying risky mortgages?

What problem do families who still can afford their mortgages face?

PART 5 (01:57 – END)


Why are the bankers freaking out?

The whole financial system is …….. and things get ……..

Part1 http://www.youtube.com/watch?v=Q0zEXdDO5JU&feature=fvw
Part 2 http://www.youtube.com/watch?v=iYhDkZjKBEw&feature=channel
Subtitled in English: http://dotsub.com/view/e5e5a18d-7a16-48c1-ac1b-a002e07d0d2b
STUDENT A (After listening: ask your partner these questions)
Complete: Investors represent …………. that represents ……………… (pension funds,
insurance companies, Sovereign funds, mutual funds…)

What did the investors traditionally buy?

Why were the banks interested in the low rates?

What do families save for?

What does the broker get when he sells the mortgage?

Who buys the mortgage from the lender?

What kind of mortgages does the CDO (Collateral Debt Obligation) contain?

What is a Credit Default Swap?


A kind of…

Who are the risky slices sold to?

What happens if the home owners default on their mortgage?

What’s the problem with having so many houses in the market?

What is the common problem for investors, bankers and lenders?

What happened to the home owners’ investments?

Foreclosure: execución dunha hipoteca

Part1 http://www.youtube.com/watch?v=Q0zEXdDO5JU&feature=fvw
Part 2 http://www.youtube.com/watch?v=iYhDkZjKBEw&feature=channel
Subtitled in English: http://dotsub.com/view/e5e5a18d-7a16-48c1-ac1b-a002e07d0d2b
STUDENT B
PART 1 (00:00- 03:16)
Investors represent …………. that represents ……………… (pension funds, insurance
companies, Sovereign funds, mutual funds…)

What did the investors traditionally buy?

Why were the banks interested in the low rates?

Complete: Leverage turns good deals into……..

PART 2 (03:16- 06:28)

What do families save for?

What does the broker get when he sells the mortgage?

Who buys the mortgage from the lender?

What kind of mortgages does the CDO (Collateral Debt Obligation) contain?

What is a Credit Default Swap?


A kind of…

Who are the risky slices sold to?

PART 3 (06:28 – 07:32)

What happens if the home owners default on their mortgage?

PART 4 VIDEO2 (00:00- 01:57)

Foreclosure: execución dunha hipoteca

What’s the problem with having so many houses in the market?

PART 5 (01:57 – END)

What is the common problem for investors, bankers and lenders?

What happened to the home owners’ investments?

Part1 http://www.youtube.com/watch?v=Q0zEXdDO5JU&feature=fvw
Part 2 http://www.youtube.com/watch?v=iYhDkZjKBEw&feature=channel
Subtitled in English: http://dotsub.com/view/e5e5a18d-7a16-48c1-ac1b-a002e07d0d2b
STUDENT B (after listening, ask your partner these questions)
Part 1 (00:00- 03:16)
Home owners represent  …….…. that represent …………..

What is the financial system?

What two events forced the US Federal Reserve to lower interest rates down to 1%?

How did banks make a lot of money?

How did the Wall street connect home owners and investors?

Who do home owners contact?

Why is becoming a home owner a safe investment?

What does the lender get when he sells the mortgage to the investment banker?

How do they compensate for the higher risk mortgages?

What’s the credit rating agency role?

Why can’t the broker grant more mortgages?

Since they are covered in the home owners default, lenders decide to do what?

Why no one was worried about buying risky mortgages?

What problem do families who still can afford their mortgages face?

Why are the bankers freaking out?

The whole financial system is …….. and things get ……..

(Foreclosure: execución dunha hipoteca)

Part1 http://www.youtube.com/watch?v=Q0zEXdDO5JU&feature=fvw
Part 2 http://www.youtube.com/watch?v=iYhDkZjKBEw&feature=channel
Subtitled in English: http://dotsub.com/view/e5e5a18d-7a16-48c1-ac1b-a002e07d0d2b

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