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AIM MORTGAGE PROFESSIONAL

The term "certified mortgage planner" is an effort to validate through education and subsequent certification a mortgage originator that has had specific training for the purpose of incorporating the mortgage decision with a Borrowers short and long-term financial objectives. The term "mortgage planner" has been adopted as a generic niche term for mortgage originators who choose to assist borrowers on a more personal level by incorporating the mortgage decision with a borrowers short and long-term financial objectives.

AIM MORTGAGE PROFESSIONAL

In the United States certified mortgage planner is a designation for the purpose of establishing a new professional category in the mortgage sector: one that arose as a response to criticisms of the mortgage banking industry.

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Unsourced material may be challenged and removed.įind sources: "Certified mortgage planner" – news Please help improve this article by adding citations to reliable sources. memory chip firm Micron Technology on June 28 signed a memorandum of understanding with the Indian government to build a semiconductor assembly and testing plant, its first factory in the country.Ĭonstruction for the $2.75 billion project, which includes government support, will start in August, according to Ashwini Vaishnaw, India’s minister of electronics and information technology in an interview with the Financial Times published on July 5, with production expected by the end of 2024.This article needs additional citations for verification. (The author is a Reuters Breakingviews columnist. Booming domestic demand is another factor: the Indian market is forecast to hit $64 billion by 2026, from just $23 billion in 2019.Īiming lower could be just what India’s chip ambitions need. So rising geopolitical tensions between Washington and Beijing, as well as worries of military conflict in Taiwan, will make India an attractive alternative for companies like U.S.-based GlobalFoundries (GFS.O) that specialise in this segment. The majority of the world’s trailing-edge semiconductors are currently made in Taiwan and China. Last year, sales grew by a fifth to $89 billion, per estimates from the Semiconductor Industry Association, outpacing growth for memory, logic and other types of chips. Analog chips, for example, are vital for electric cars and smartphones. It’s a far more commoditised part of the market but there’s much to play for.

Recently, New Delhi expanded fiscal incentives for companies to make these lower-end products in the country. It’s not as lucrative as making or designing them but global sales are forecast to hit $50.9 billion by 2028, according to Zion Market Research.Īn even bigger opportunity awaits in manufacturing what are known as trailing-edge semiconductors. In a small win for the government, U.S.-based Micron Technology (MU.O) last week announced it will invest $825 million to build its first factory in India in Modi’s home state of Gujarat, though the facility will be used to test and package chips, rather than to manufacture them.Įven so, the Micron investment could pave the way for the country to move into the assembly, packaging and testing market for semiconductors, currently dominated by firms like Taiwan’s ASE Technology (3711.TW) and China's JCET (600584.SS). Mining conglomerate Vedanta’s $19.5 billion joint venture with iPhone supplier Foxconn (2317.TW) has stalled plans for a separate $3 billion manufacturing facility appear to be in limbo, Reuters reported in May.

So far, the government has dangled $10 billion in subsidies but with little to show for it. Prime Minister Narendra Modi wants to “usher in a new era of electronics manufacturing” by turning India into a chipmaking powerhouse. Yet that’s no mere consolation prize: the opportunity to grab share from China in this commoditised but vital part of the tech supply chain could pay off. After struggling to woo cutting-edge chipmakers like Taiwan Semiconductor Manufacturing (2330.TW) to set up operations in the country, the government may now have to settle for producing less-advanced chips instead. BENGALURU, July 5 (Reuters Breakingviews) - India’s semiconductor dreams are facing a harsh reality.