Mortgage borrowers will be celebrating a cut in home loan bills from next month, but savers may be drowning their sorrows. |
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The rates may not seem onerous to borrowers when their only other source of credit is a loan shark. |
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If this source of finance runs dry, desperate borrowers like Lucent will have no place to turn. |
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I believe it is still a good market for borrowers, as mortgage rates remain relatively low. |
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The bank is planning to offer a group insurance cover for its depositors and a loan cover term assurance plan for its borrowers. |
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In contrast, many short term fixed rate deals available exclusively to new borrowers were sold at cost or even a slight loss. |
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Lending institutions will be required to satisfy themselves that the borrowers already have 10 per cent of the total price. |
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Inflation reduced the debts of all borrowers, including the state, companies, and farmers, at the cost of creditors, savers, and banks. |
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Under Government supervision, banks will set guidelines to deal with financially crippled borrowers and get rid of their bad debt. |
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Too often debt burden becomes a ball and chain for student borrowers after graduation. |
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It could reduce interest rates to the rate of inflation, and stop trying to screw a profit out of borrowers. |
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The watchdog is therefore urging borrowers to act now if they think they may have a problem. |
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All borrowers need to do is have their membership number to hand, ready to enter using the phone keys. |
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To grow from, say, 50,000 borrowers to 500,000, the microlenders need to dramatically increase their capital. |
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The majority of borrowers are landless rural women, and a typical micro loan might be used for the purchase of a cow. |
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A rate fall is a good opportunity for borrowers to dust down their home loans and see whether they can save money by switching elsewhere. |
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That, however, is regarded as a radical solution, since it would erode the value of savings and amount to a huge transfer of wealth to borrowers. |
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The documents supplied by the banks gave unclear and misleading information, which resulted in borrowers misinterpreting the facts. |
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However, policies are regularly mis-sold to borrowers who are not eligible to claim because they are self-employed or on short-term contracts. |
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What will cause problems to both borrowers and lenders is if the economy takes a dive and unemployment rises. |
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Such borrowers are marginal to the fixed-capital investment that drives economic booms. |
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At the heart of the dispute is the way First National treats borrowers who have come before the court because of unpaid debts. |
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Loan default collections for borrowers in the five boroughs of New York City also will be put on hold automatically until January, Paige said. |
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So how do you know if you run into one these untrustworthy borrowers among your friends? |
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The fact that they had had a longstanding relationship with the borrowers may have influenced the court in finding a fiduciary relationship. |
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Even only a slight increase in the interest rate would put a great deal of pressure on borrowers. |
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The doors have been open to book borrowers for 95 years, but today are in danger of being shuttered because of budget woes. |
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This provides access to the material holdings of our libraries to borrowers in the United States and Canada. |
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This statewide courier system would unify public libraries by introducing one card for borrowers. |
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Most e-book borrowers are in tune with their libraries and call themselves heavy readers in all formats. |
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So far the bank has made about E2 billion worth of unsecure loans to more than 80 borrowers. |
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Mortgage borrowers could face negative equity as house prices start to fall, one of the country's top mortgage lenders has warned. |
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I found that my local public library has a half-dozen Greek language programs with cassette tapes and books that borrowers can take home. |
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Unfortunately, borrowers who take the time to read credit card agreements often finding themselves bushwhacking through a thicket of dense prose. |
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The cartel wants economic growth, lots of borrowers, and lots of opportunities to lend newly created funny money at interest. |
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But there are fears lenders could pass on the costs of complying with the new statutory regulation to borrowers. |
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Every new record is accompanied by assurances that all borrowers are being stress-tested and that their loan books are hunky-dory. |
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Given the less than serious attitude that lenders take towards stress-testing borrowers, we see nothing controversial in that view. |
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And while some subprime borrowers were duped by complicated loan terms, financial literacy is even worse in developing countries. |
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There is a slight sting in the tale for borrowers of library books that are overdue, however. |
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When we go through and ask lenders what they are looking for, we can go through and put check marks against all those for fitness club borrowers. |
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Bank supervisors, through lax supervision, had become instruments of this policy of propping up favored borrowers. |
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The bill further honours the Government's election pledge to make student loans interest-free for most borrowers. |
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The fall in interest rates has masked evidence that lenders are continuing to surcharge borrowers in the Republic. |
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It is a boom fuelled by constraints on planning consents for housebuilders plus relatively low interest rates for mortgage borrowers. |
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Cutting the Bank Rate will spur commercial banks to bring down their lending rates to borrowers. |
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The difference with OnePlan is that it gives borrowers instant access to this money via a mortgage chequebook. |
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His companies intermediate between travelers and hotels, borrowers and banks, music lovers and concert halls. |
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But few borrowers can afford the legal fees to go to court, or even realise that this right exists. |
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The credit default swap market, which enables investors to hedge the risk of default by individual borrowers, is increasing exponentially. |
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Immigrant borrowers, who operate largely in cash, don't need a credit score to establish creditworthiness. |
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All but the most creditworthy of borrowers now have to pay a widening premium to account for the possibility of default. |
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They were therefore not protected by the cushion of such longer-term borrowers. |
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The cost of PPI is often automatically included in the loan, preventing borrowers from shopping around and securing the cheapest deal. |
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But most borrowers will lose substantially by taking this kind of precipitate action. |
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The second is that borrowers have geared up on the expectation that interest rates will stay low for long. |
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Many lenders offer a quarter-point reduction for borrowers who agree to have payments automatically debited from their bank accounts. |
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Unlike the banks, bilateral donors have more freedom to offer debt relief to their borrowers. |
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Interest-only mortgages allow borrowers to pay interest, but no principal, throughout the life of the loan, which is usually 15 years. |
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Most home loan borrowers want the cheapest mortgage option, to help them get their foot on the property ladder. |
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These actions further depress economic activity, prices, corporate cash flows and the ability of borrowers to service debts. |
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That's four out of five borrowers taking a punt on where interest rates are going. |
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Its purpose was to give borrowers a period of grace before repayments of principal become due. |
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But in London, only 1 per cent of borrowers were in difficulties, following the increase in the capital's property prices. |
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The drawback to discounted products is that they have to be paid for by borrowers on a standard variable rate, on which margins are much higher. |
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The Alternative State Income Mortgage is for self-employed borrowers with high credit quality and large down payments. |
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And we've had over a million letters mailed out to borrowers at risk who have not been in contact with our servicer. |
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They do this by passing on the full whack to borrowers, but only slightly increasing their savings rates. |
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As borrowers defaulted, the banks found themselves with a lot of worthless loan portfolios. |
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There was also a benefit for many banks from fees which arose when borrowers refinanced their mortgages because of lower interest rates. |
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Savvy borrowers know that there can be advantages in opting for a secured loan to consolidate existing debt into a single monthly repayment. |
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In February, it repriced its deals to ensure existing borrowers no longer subsidised new customers. |
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The legislation isn't retroactive, so even if the bill is adopted, borrowers who have already consolidated won't be affected. |
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In this way, spendthrift borrowers are prevented from abusing the service and falling into the trap of revolving credit. |
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Banks made loans to borrowers without proper documentation of employment and other pertinent information. |
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The FHA will continue to collect insurance premiums from borrowers during a shutdown as well. |
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But today, lenders can adjust the interest rates they charge borrowers according to the riskiness of the loan, so that they can make a profit by lending in the inner city. |
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Consequently, older borrowers are less vulnerable to external income and expense shocks because they tend to have more assets available for liquidation. |
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If these borrowers ever get underwater on their mortgages, they will almost certainly pull back on spending, turn risk averse and generally retrench. |
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He forced the latter to give a much better deal to borrowers, to pay their own legal fees and to reduce penal interest rates imposed in certain instances. |
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Lower interest rates are making it far easier for borrowers to refinance their way out of trouble. |
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The thrifts were looted by borrowers, who used inflated appraisals and phony financial statements to obtain funds they had no hope of paying back. |
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It also incents borrowers to walk away from debts and serves to prevent the housing market from finding a bottom, and thereby inhibiting a sustainable recovery in home values. |
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Under the system, borrowers with perfect repayment records of income-generating loans, which must be repaid in a year, become eligible for housing loans of up to 25,000 taka. |
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This number will increase this year, as we are moving very cautiously at the moment, letting borrowers see how microenterprise loans can be utilized. |
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With tax and interest rate rises on the way, Scottish borrowers are bracing themselves for a double whammy, while savers can look forward to higher returns. |
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Of these states 26 are borrowers, and 21 do not borrow from the Bank. |
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Even if transaction fees were removed from the picture, one would still expect large APRs for payday loans because of the relative credit risk of payday borrowers. |
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Having decided the decision between borrowers and lenders on the legal interpretation of a single word, he then hides behind another technicality. |
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In order to put the brakes on the stop-go housing cycle, it has been looking into ways to encourage mortgage borrowers to borrow on long-term fixed rates. |
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Banks need to lend to creditworthy borrowers, not just to meet arbitrary government mandates. |
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Sub-prime lenders prey on unsuspecting borrowers, providing loans that include pre-payment penalties, hidden fees, or balloon payments, which systematically strip equity. |
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Without the magic elixir of paper money, borrowers would face insufficient liquidity, an excessively rigid credit system, and an inelastic monetary system. |
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But with few companies and property buyers to lend to, they are trying to reel in creditworthy individual borrowers with offers of low-interest personal lines of credit. |
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A decade ago, thrifts got themselves into trouble because they made residential and commercial real estate loans for inflated amounts to borrowers who could not pay. |
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But according to the lps data, underwater borrowers are also prepaying at a much faster clip. |
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These deals are backed up by riskier loans either to less creditworthy borrowers in the so-called sub-prime market or to borrowers taking out second-lien mortgages. |
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The banks are stuffed with cash that they can't lend because few borrowers are creditworthy, and those that are won't borrow in a deflationary economy. |
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Admittedly, these borrowers are then locked in to paying Northern Rock's standard variable rate for ten years, or face stiff penalties for early settlement! |
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The borrowers behind these loans are not the most creditworthy. |
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The size of any windfall is crucial to borrowers who are deciding which way to vote because they will have to pay higher mortgage bills if the lender demutualises. |
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Lo and behold, when the borrowers went to closing, they needed a second loan in order to make the down payment. |
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Although borrowers may be comfortable taking out loans and mortgages at current interest rates, what is the likelihood of a rise in rates, over the medium to long term? |
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Car loans have been restricted by the lack of an effective procedure for recovering delinquent loans or repossessing vehicles from borrowers that default on repayments. |
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The guide has information for both new and regular borrowers and covers a range of lending products, designed for short, medium and long term needs. |
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These holders have no idea whether home equity borrowers use proceeds not only to consolidate debt but as a re-entry vehicle into the selfsame debt. |
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Qualifying borrowers, on certain conditions, may be eligible for interest relief offered by the government. |
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Many universities have also rebated millions of dollars in fees back to affected borrowers. |
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The biggest lenders, Sallie Mae and Nelnet, are frequently criticized by borrowers. |
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Finland has the highest number of registered book borrowers per capita in the world. |
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In other words, the borrowers did not cause the loans to go bad, it was the economy. |
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Ultimately, loans were made to many borrowers who simply could not afford to make their payments. |
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Sovereign borrowers are the largest debt borrowers in many financial markets. |
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Notice that these premia would exist even in a world of risk-neutral lenders if there were identifiable classes of nonrepaying borrowers. |
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Bank failures snowballed as desperate bankers called in loans which the borrowers did not have time or money to repay. |
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The borrowers typically pay back money within the specified period and the incidence of default is very low. |
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Without financial markets, borrowers would have difficulty finding lenders themselves. |
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Funds are typically disbursed to borrowers to pay eligible CWSRF or DWSRF project costs or to reimburse ADFA for projects previously funded. |
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Educating borrowers may be the biggest task because the typical homebuyer or refinancer is not overly familiar with the mortgage process. |
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In the current interest rate environment refinancings are driven less by borrowers seeking lower payments. |
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Kangaroo bonds are Australian dollar denominated bonds sold by foreign borrowers in Australia. |
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The common wisdom taught in graduate school is that banks allocate funds to creditworthy borrowers. |
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The new provisions will extend the use of debarment for borrowers using any type of procurement method. |
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The Situational Lending Movement gives borrowers, brokers, and investors opportunities that were previously hard to come by. |
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Generally these loans are smaller balance and a number of these financial institutions would like to offer Fannie Mae product to their borrowers. |
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Having lent to high risk borrowers, the smart alecs went a step further by slicing and dicing their sub-prime loans and selling them on. |
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In coverage through established media outlets, many borrowers have expressed feelings of victimization by the student loan corporations. |
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The sustained yield gap between dollar and domestic currency assets would also provide the impetus to new borrowers. |
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Rising deferments and forbearances indicate that a growing number of borrowers may be returning to school to ride out the recession,' said Senior Director Cynthia Ullrich. |
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Policy may also encourage lender renegotiation by giving more bargaining power to borrowers in these instances, through legal procedures such as bankruptcy and cramdown. |
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Resource America renegotiates the terms of these loans with borrowers to construct agreements that reflect the current economics of the underlying collateral. |
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Borrowers having similar needs can form into a group of borrowers. |
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Ms. Belling recommends that prospective borrowers pay close attention during pretransaction financial counseling, which is compulsory for anyone seeking a reverse mortgage. |
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Generally, available capital exceeded the amount needed by borrowers. |
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The senatorial elite were involved heavily in private lending, both as creditors and borrowers, making loans from their personal fortunes on the basis of social connections. |
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By serving as information intermediaries, CRAs theoretically reduce information costs, increase the pool of potential borrowers, and promote liquid markets. |
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The company ranks the creditworthiness of borrowers using a standardized ratings scale which measures expected investor loss in the event of default. |
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This is suggestive evidence that a possible asymmetric information effect may be offset by the lead being forced to keep a larger share of loans extended to weak borrowers. |
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When borrowers with this amount of indebtedness consolidate their student loans during their grace periods at the current interest rate and take advantage of an additional. |
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