Mortgage Loan / Margin Finance
Margin loans and mortgages are subject to expected credit loss assessment (ECL) under HKFRS 9 / IFRS 9. The complexity of assessing margin loans and mortgages is that we need to deal with not only default rates but also the recovery rates under the changing values of the underlying collateral.
Valtech provides comprehensive solutions supported by our database to provide full assessment on margin financing portfolio and mortgage portfolio held by private equity and security firms.