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Home Capital Group Inc HMCBF


Primary Symbol: T.HCG

Home Capital Group Inc. is a Canada-based holding company that operates through its principal subsidiary, Home Trust Company (Home Trust). Home Trust is a federally regulated trust company offering residential and non-residential mortgage lending, securitization of residential mortgage products, consumer lending and credit card services. In addition, Home Trust and its wholly owned subsidiary, Home Bank offer deposits through brokers and financial planners, and through a direct-to-consumer brand, Oaken Financial. Its mortgage lending includes classic single-family residential lending, insured residential lending, residential commercial lending, and non-residential commercial lending. Its consumer lending loan portfolio comprises credit cards, lines of credit and other consumer retail loans. In addition, the Company manages a treasury portfolio to support liquidity requirements and invest excess capital.


TSX:HCG - Post by User

Bullboard Posts
Comment by Djwburron May 15, 2017 8:36pm
147 Views
Post# 26247481

RE:10% only.

RE:10% only. The LOC is just one of many nails in the coffin. RIP HCG

guderian wrote: People are stupid to belive that the funding cost with the 2 billion line of credit is 20 plus percent. It is not. It is only 10%. The paid a fee of 100 million up front. But that is just a transaction cost and one time fee. After the up-front fee is paid, the cost for using the facility is only 10%, which is high, but not high enough to cause problems in the short term. 

In fact, that is the reason the board is not in a hurry to find another funding source. Since the up front fee has been paid, HCG may as well enjoy the facilty until a better source of credit can be identified. 

Do not beleive the fear monger's rumor that the line of credit is going to doom HCG. It is not. 


Bullboard Posts