medium · Debt Capital Markets pricing-yields-curve

Which of the following describes the impact of 'negative convexity' on a residential mortgage-backed security (RMBS) as interest rates decline?

  1. The credit risk of the underlying borrowers rises sharply as lower rates squeeze household budgets.
  2. The bond's price will climb faster than a comparable on-the-run Treasury during the rate rally.
  3. Prepayments will accelerate, returning principal to investors just as reinvestment yields are falling.
  4. The duration of the bond lengthens substantially, leaving it far more sensitive to additional rate cuts.

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