Ben Eisen

speaker

1,467 appearances 35 recordings 1 series first heard Jul 2017 last heard Nov 2024

Ben Eisen’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Credit Unions Are All Grown Up · 3 Dec 2019 podcast

And now they are.

Now they're as big as banks, but in many ways regulators haven't kind of clamped down on them the same way they have as banks.

So could there be an issue down the road?

I mean, it's, you know, who can really tell?

But it's something that people are sort of starting to be more on alert for as these credit unions get so large.

Yeah.

And one of the things that you see credit unions get into more and more is these longer term car loans, these loans that are six, seven, even eight years long.

And that's a trend you see sort of across the auto lending space that you have just these very long term car loans, but credit unions sort of make a disproportionately large share of those loans.

You know, that means that these loans are outstanding for a longer period of time, and credit unions really have to be careful to make sure that the borrowers can pay for, you know, that entire period of time.

Yeah, yeah, definitely.

It's something, you know, that we've also seen happen during the last decade or so, that people really get themselves very indebted by taking out a very long-term car loan.

WSJ Your Money Briefing · Why Mortgage Rates Haven't Fallen in Lockstep With Interest Rates · 11 Oct 2019 podcast

Well, what you see generally is that the 30-year fixed rate mortgage tends to track most closely the 10-year treasury yield. matched

And the 10-year treasury yield has been falling a lot over the last few months, in part because of the Federal Reserve's decision to lower interest rates and sort of the economic factors around it. matched

And as a result, you'd expect that the 30-year fixed rate mortgage would matched

the rate on that would fall just as much. matched

And while it has fallen, it just really hasn't fallen nearly as much at all. matched

So it's kind of barely budged, even though you've seen sort of the benchmarked tracks go down a lot. matched

It sort of depends on the time period, and it depends really on how much lenders are sort of going after business. matched

If they're sort of really aggressively pursuing business, they will often lower rates in lockstep as aggressively as they can to try to attract borrowers. matched

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