1,125 deals

Loan Term Distribution - HAROT 2020-3

HAROT 2020-3 has 84.1% of its pool with a loan term 61 and 72 months.

2024-02-20
Canvas

📊 Chart Summary

HAROT 2020-3 has 84.1% of its pool comprised of loans with a loan term 61 and 72 months, totaling $149,644,305 in unpaid principle balance according to Edgar sec.gov filings. The reporting period for this information begins 2024-01-01 and ends 2024-01-31.

Prompts

Explore a variety of thoughtfully crafted prompts below, each tailored for specific use cases. Each card includes a convenient copy-paste button that lets you seamlessly transfer the prompt into your favorite AI tool. Whether you're using ChatGPT, Microsoft Copilot, Gemini, Grok, Perplexity, or Claude, these prompts are designed to help you unlock new insights and ideas. Simply click 'Copy' to get started!

💡 Summarize Loan Term Distribution

Summarize the loan term distribution for HAROT 2020-3. Highlight the dominance of 61-72 month terms, which account for 97.4% of the pool. Discuss the implications of this concentration on pool performance and investor expectations.

💡 Assess Impact of Loan Term Concentration

Analyze the loan term concentration for HAROT 2020-3, where 97.4% of the pool falls within the 61-72 month range. Discuss how this concentration affects interest rate sensitivity, delinquency risks, and prepayment speeds.

💡 Compare Loan Term Distribution to Market Averages

Compare the loan term distribution for HAROT 2020-3 against market averages for ABS auto deals. Discuss any notable deviations, such as a higher-than-usual concentration in 61-72 months, and what this suggests about borrower behavior and underwriting trends.

💡 Evaluate the Effects of Shorter Loan Terms

Discuss the potential risks and benefits of having a significant portion of the pool in loans with shorter terms (less than 61 months). Highlight how this could impact default risks, cash flow stability, and overall pool performance.

💡 Impact of Long-Term Loans on Performance

Examine the small proportion of long-term loans (73-75 months) in HAROT 2020-3. Discuss how this may affect the pool's duration, the likelihood of prepayment, and the overall risk profile of the deal.

💡 Visualize Loan Term Distribution by UPB

Create a loan term distribution visualization for the loan term distribution in HAROT 2020-3, showing the UPB for each loan term range (e.g., <61, 61-72, 73-75). Annotate the chart with the corresponding percentage of the total pool to highlight concentration.

💡 Analyze Loan Term Distribution Trends Over Time

Discuss whether the loan term distribution for HAROT 2020-3 reflects a broader trend in the ABS auto market. Evaluate how changes in loan term preferences (e.g., a shift to shorter or longer terms) might affect pool performance in the future.

💡 Examine Risks from High Loan Term Concentration

Using the loan term distribution for HAROT 2020-3, assess the risks associated with the high concentration of loans in the 61-72 month term range. Focus on how this affects the pool's exposure to economic shifts, interest rate changes, and borrower default behavior.

💡 Compare Loan Term Distribution Across Peer Deals

Compare the loan term distribution of HAROT 2020-3 to other ABS auto deals. Discuss any differences, such as a higher concentration of short-term loans or longer loan terms, and analyze what these differences suggest about market trends and borrower characteristics.

💡 Evaluate Borrower Preferences and Loan Term Choices

Analyze the loan term distribution for HAROT 2020-3 to gain insights into borrower preferences. Discuss how the preference for 61-72 month loans may indicate borrower financial behaviors, such as budgeting for monthly payments or preferences for stability.

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