medium · Asset-Backed Securities

How does the 'Step-down' date in a Home Equity ABS affect the credit support of the senior tranche in a successful performance scenario?

  1. It forces a mandatory redemption of the senior tranche at par regardless of the pool balance.
  2. It allows the subordinate classes to receive principal, which prevents the senior tranche's relative credit support from growing indefinitely.
  3. It triggers an immediate release of all funds in the reserve account to the originator.
  4. It reduces the senior bond's coupon to match the decline in the weighted average coupon (WAC) of the pool.

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