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So is Morgan Stanley recruiting us Is thatNo eh no The bank owns our hedge fundWe're not really a part of it we invest in financial service companiesWe're trying to understand the residential mortgage

If I write a loan on Friday afternoon, big bank will buy it by Monday lunch

The Big Short • 2015

Mortgage Broker:
So, is Morgan Stanley recruiting us? Is that...Porter Collins:Oh, no. No. The bank owns our hedge fund but we're not really a part of it. We invest in financial service companies and we're trying to understand the residential mortgage business.Mark Baum:How many loans do you write each month?Mortgage Broker:Pffft! About sixty.Mark Baum:What was it four years ago?Mortgage Broker:Ten... maybe fifteen.Mortgage Broker:Yeah, I was a bartender. Now I own a boat.Danny Moses:You own a boat? So How many of these are, uh, adjustable rate mortgages?Mortgage Broker:Well, most. Yeah, I'd say about ninety percent. The bonuses on those skyrocketed a few years ago. Adjustables are our bread and honey.Danny Moses:So do applicants ever get rejected?Mortgage Broker: Seriously? Look, if they get rejected, I suck at my job.Danny Moses:Even if they have no money?Mortgage Broker:Well, my firm offers NINJA loans - no income, no job. I just leave the income section blank if I want. Corporate doesn't care. These people just want homes, you know, and they just go with the flow.Danny Moses:Good for you.Mark Baum:Your companies don't verify?Mortgage Broker:If I write a loan on Friday afternoon, big bank will buy it by Monday lunch

Full Transcript

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So is Morgan Stanley recruiting us Is that

00:00:04.012 --> 00:00:06.096

No eh no The bank owns our hedge fund

00:00:07.004 --> 00:00:10.084

We're not really a part of it we invest in financial service companies

00:00:10.092 --> 00:00:13.052

We're trying to understand the residential mortgage business

00:00:13.006 --> 00:00:15.076

How many loans do you write each month

00:00:16.006 --> 00:00:18.999

I don't know about six

00:00:18.018 --> 00:00:19.004

What was it four years ago

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Ten but maybe fifteen

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I was a bartender now i own a boat

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So how many of these are eh Adjustable rate mortgages

00:00:30.012 --> 00:00:31.999

Well most

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Yeah I'd say about ninety percent

00:00:34.002 --> 00:00:37.001

The bonuses on those skyrocketed a few years ago

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Adjustables are bread and honey

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So do applicants ever get rejected

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Seriously

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Look if they get rejected I suck at my job

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Even if they have no money

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Well my firm offers a N I N J A loan

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No Income No Job Application I just leave the income section blank if i want

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Corporate doesn't care

00:01:00.007 --> 00:01:04.000

These people just want homes and they go with the flow

00:01:04.072 --> 00:01:06.001

Your companies don't verify

00:01:09.999 --> 00:01:11.088

If I write a loan on Friday afternoon

00:01:12.999 --> 00:01:14.999

Big bank is gonna buy it by Monday lunch

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إذن مورجان ستانلي يقوم بتعيينا في الوظائف

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لا البنك لدينا إستثمار به لكن ليس ملكا لنا

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نحن نستثمر في شركة خدمات ماليه

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نحاول أن نفهم عمل الرهون العقارية

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كم قرضا تقدمون كل شهر

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تقريبا 60

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كم كان منذ 4 سنوات

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ربما 10 أو 15

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لقد كنت أعمل بحانة والآن أمتلك قاربا

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تمتلك قاربا

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كم من هؤلاء لديهم قروضان قابله للتعديل

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الأكثر

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أقول تقريبا 90 بالمائة

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والأرباح كانت مذهله منذ سنوات

00:00:37.999 --> 00:00:38.081

قابله للتغير يا عزيزي

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إذن هل رفضتم متقدم لقرض من قبل

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حقا

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إذا رفضناهم لن أقوم بعملي

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لم يكن لديكم مالا

00:00:50.921 --> 00:00:54.523

شركتي تقدم قرض نينجا

00:00:54.524 --> 00:00:56.211

بدون دخل أو وظيفة

00:00:56.212 --> 00:00:58.346

فقط أترك جانب الدخل فارغا

00:00:58.347 --> 00:01:00.737

الشركة لاتهتم

00:01:00.738 --> 00:01:02.229

هؤلاء الرفاق يريدون منازل

00:01:02.023 --> 00:01:04.267

ويسيرون مع التيار

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جيد

00:01:05.104 --> 00:01:06.557

شركتكم ليست قوية

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إذا قمت بدفع قرض في مساء يوم الجمعة

00:01:12.908 --> 00:01:14.001

سيشتريه بنكا كبيرا في خلال يوم الإثنين

00:00:01.000 --> 00:00:03.419

Alors Morgan Stanley nous recrute

00:00:03.795 --> 00:00:07.757

Non La banque détient notre hedge fund mais on est indépendants

00:00:07.924 --> 00:00:10.051

On investit dans les sociétés de crédit

00:00:10.676 --> 00:00:13.513

et on étudie les prêts hypothécaires

00:00:13.679 --> 00:00:15.807

Combien vous en signez par mois

00:00:17.998 --> 00:00:18.184

Environ 60

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Et il y a quatre ans

00:00:20.077 --> 00:00:21.687

10

00:00:22.605 --> 00:00:23.439

15

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J'étais barman maintenant j'ai un yacht

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Combien de ces prêts sont à taux ajustable

00:00:30.279 --> 00:00:31.028

La plupart

00:00:32.114 --> 00:00:33.095

Ouais Environ 90

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Les bonus là dessus ont explosé

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C'est notre gagne pain

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Les candidats sont jamais rejetés

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Sérieux

00:00:47.063 --> 00:00:49.632

S'ils le sont c'est que j'ai merdé

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Même sans apport

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Ma boîte propose du prêt NINJA

00:00:54.637 --> 00:00:56.681

Ni argent Ni job

00:00:57.014 --> 00:01:00.056

Je laisse la partie Revenus blanche Les chefs s'en foutent

00:01:00.726 --> 00:01:04.048

Les gens veulent juste leurs baraques Le reste

00:01:04.001 --> 00:01:06.998

Vos sociétés vérifient pas

00:01:10.001 --> 00:01:11.863

Si je fais un prêt le vendredi

00:01:12.655 --> 00:01:14.999

une grosse banque le rachète le lundi

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Heißt das Morgan Stanley rekrutiert uns

00:00:03.878 --> 00:00:08.054

Oh nein Unser Hedgefonds gehört nur der Bank

00:00:08.215 --> 00:00:10.638

Wir investieren in Finanzdienstleistungsunternehmen

00:00:10.801 --> 00:00:13.805

und wollen wissen wie das Geschäft mit Hypothekendarlehen so läuft

00:00:13.971 --> 00:00:16.394

Wie viele Hypotheken vergeben Sie jeden Monat

00:00:16.932 --> 00:00:18.275

Etwa 60

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Wie viele waren es vor 4 Jahren

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10

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Vielleicht 15

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Ja ich war Barkeeper Jetzt habe ich ein Boot

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Ein Boot Wie viele von diesen Darlehen

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haben einen variablen Zins

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Die meisten

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Ich würde sagen etwa 90

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Die Prämien dafür sind vor ein paar Jahren in die Höhe geschossen

00:00:37.286 --> 00:00:38.583

Zinsvariable Hypotheken sind unser täglich Brot

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Werden Bewerber je abgelehnt

00:00:45.753 --> 00:00:46.845

Echt jetzt

00:00:47.713 --> 00:00:49.807

Wenn das so wäre würde ich meine Arbeit schlecht machen

00:00:49.965 --> 00:00:54.471

Selbst wenn sie kein Geld haben Meine Firma bietet NINJA Darlehen

00:00:54.803 --> 00:00:56.897

No Income No Job

00:00:57.222 --> 00:01:00.726

Ich lasse das Feld fürs Einkommen einfach leer Interessiert keine Sau

00:01:00.893 --> 00:01:04.523

Die Leute wollen einfach ein Haus Die schwimmen mit dem Strom

00:01:04.855 --> 00:01:06.277

Ihre Firmen überprüfen es nicht

00:01:09.985 --> 00:01:12.994

Wenn ich freitags einen Hypothekenantrag stelle

00:01:12.947 --> 00:01:14.949

kauft eine Großbank ihn am Montag

00:00:01.000 --> 00:00:03.867

Jadi Morgan Stanley merekrut kami Iya kan

00:00:03.869 --> 00:00:06.938

Oh tidak tidak Mereka memiliki Pengelolaan dana investasi kami

00:00:06.094 --> 00:00:08.999

Tapi kami bukan benar benar bagian dari mereka

00:00:08.074 --> 00:00:10.641

Kami berinvestasi di perusahaan jasa keuangan

00:00:10.643 --> 00:00:13.677

Dan kami mencoba untuk memahami bisnis KPR

00:00:13.679 --> 00:00:16.713

Berapa banyak pinjaman KPR yang kau tulis setiap bulan

00:00:16.715 --> 00:00:18.349

Sekitar 60 Ya

00:00:18.351 --> 00:00:19.818

Bagaimana dengan 4 tahun lalu

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sepuluh

00:00:22.188 --> 00:00:23.521

Mungkin 15

00:00:23.523 --> 00:00:25.889

Ya dulunya aku bartender Sekarang aku punya sebuah perahu

00:00:25.891 --> 00:00:26.099

Kau punya

00:00:26.992 --> 00:00:30.026

Jadi seberapa banyak yang KPR dengan bunga disesuaikan

00:00:30.262 --> 00:00:32.999

Well hampir semuanya Oh Ya

00:00:32.001 --> 00:00:34.002

Ya bisa kubilang 90

00:00:34.998 --> 00:00:37.268

Komisi untuk KPR jenis itu melonjak bebera tahun lalu

00:00:37.027 --> 00:00:38.668

Itu makanan kesukaan kami

00:00:38.067 --> 00:00:41.304

Jadi adakah pemohon KPR yang ditolak

00:00:41.306 --> 00:00:42.708

00:00:45.545 --> 00:00:47.644

benarkah

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Lihat jika mereka ditolak berarti aku payah dalam pekerjaanku

00:00:49.782 --> 00:00:51.038

DANNY Walaupun mereka tidak punya uang

00:00:51.382 --> 00:00:54.351

Well perusahaanku menawarka KPR NINJA

00:00:54.353 --> 00:00:55.652

PORTER Okay

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No Income No Job Tanpa penghasilan tanpa pekerjaan

00:00:57.155 --> 00:00:59.423

Aku tinngal mengosongkan bagian penghasilan kalau aku mau

00:00:59.425 --> 00:01:00.757

perusahaan tidak ambil pusing

00:01:00.759 --> 00:01:04.161

Orang orang ini hanya menginginkan rumah Dan mereka tinggal mengikuti alurnya

00:01:04.163 --> 00:01:05.999

PORTER Bagus untukmu

00:01:05.023 --> 00:01:06.265

perusahaanmu tidak memverifikasi

00:01:10.048 --> 00:01:12.869

Jika aku menuliskan KPR pada jumat siang

00:01:12.871 --> 00:01:14.873

Bank besar akan membelinya pada jam makan siang hari senin

00:00:01.000 --> 00:00:03.402

Entonces debo entender que nos están reclutando

00:00:03.077 --> 00:00:08.054

No no El banco solo nos toma como parte de su inversión

00:00:09.208 --> 00:00:10.988

Son compañías de servicios de financiamiento

00:00:10.989 --> 00:00:12.444

Tratamos de entenderlo todo

00:00:12.445 --> 00:00:15.414

Los residentes tienen hipotecas Cuántos préstamos cobran cada mes

00:00:16.716 --> 00:00:19.151

Sobre 60 Como era hace 4 años

00:00:20.653 --> 00:00:23.173

10 tal vez 15

00:00:23.174 --> 00:00:25.257

Yo era un cantinero ahora tengo un bote

00:00:26.893 --> 00:00:30.796

Cuantas son hipotecas justificables La mayoría

00:00:31.497 --> 00:00:33.165

Si Es sobre el 90

00:00:34.001 --> 00:00:36.969

Tenemos los bonos andan por los cielos en comparación con hace algunos años

00:00:37.403 --> 00:00:38.409

Eso no es deseable

00:00:38.041 --> 00:00:40.739

Entonces pueden considerarlos rechazados

00:00:45.678 --> 00:00:47.179

En serio

00:00:47.068 --> 00:00:50.749

Si las rechazan mi trabajo apesta Podrías estar sin dinero

00:00:51.351 --> 00:00:56.154

Mi primera oferta fue un ninja No tenia ingresos No tenia trabajo

00:00:56.823 --> 00:00:58.837

Dejaba en blanco la sección de los ingresos

00:00:58.838 --> 00:01:00.225

Por supuesto que no importaba

00:01:00.076 --> 00:01:03.895

La gente solo quiere casas Si No van a circular

00:01:04.033 --> 00:01:06.999

Para ti La compañía ha sido verificada

00:01:10.003 --> 00:01:12.137

Tuvimos un préstamo el viernes en la tarde

00:01:12.999 --> 00:01:14.999

El banco no habría hasta el almuerzo del lunes

Available in 6 languages

Duration

75 seconds

Views

1,242

Timestamp in Movie

00:50:43

Uploaded

Mar 06, 2026

Genres

Production

Paramount Pictures,Regency Enterprises,Plan B Entertainment

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Movie Summary

The men who made millions from a global economic meltdown.

Actors

Mortgage Broker

Billy Magnussen

Porter Collins

Hamish Linklater

Mark Baum

Danny Moses