lender

The only direct reform of that industry would be in federal oversight of how states regulate mortgage lenders.

So, while this is called a "Greek bailout" , it is in effect just as much about bailing out the foolish lenders in France and Germany.

This was designed not so much to shield the peripheral countries from a market run as it was to "bail in" private lenders.

Some lenders will take into account only two incomes when deciding how much to lend.

Yet it is now the confidence of investors, lenders and consumers that will determine much of what happens over the next year.

How much capital do lenders need?

Indeed, one of the bigger ironies of the property bubble was that lenders and investors probably thought they were being relatively prudent.

Nobody wants to see a repeat of the devastating crash of the early 1980s, which drove hundreds of farms and lenders out of business.

Lenders, he said, were able to judge the risk posed by individual applicants and to price that risk accordingly.

At least for a time after a debt restructuring it would struggle to find lenders.

Analysts said the government should take the crisis as an opportunity finally to force weak lenders out of the market.

But Japanese media reported that the bank was in talks with Bank of China, one of China's "Big Four" commercial lenders.

Personal auto loan is referred to the RMB secured loan provided to borrowers by lenders used for buying autos.

The Conservatives would also give the central bank powers to force lenders to spell out how they would be wound up in case of failure.

An account like this one, large balance with a history of on-time payment, is exactly what lenders and credit bureaus like to see.

President Rafael Correa has described international lenders as monsters and said the debt payments are immoral.

However, GM said Thursday it had received waivers from its lenders that would allow it to avoid having its loans recalled.

The huge advantage of such globalisation was that lenders no longer needed to be physically close to borrowers.

Often, lenders did not make even the most basic of checks to see whether borrowers had the financial wherewithal to pay back what they owed.

But on the streets of Athens, there is a sense that this latest effort to placate Greece's lenders may be a last straw for the public.

Interest is usually not part of the agreement. Some lenders said they did not even expect to be repaid.

He said his lenders have also clamped down on his spending and cut his salary in half.

The scale of the boom is only now apparent, following requests from the Bank of Spain for details of lenders' exposures.

For smaller companies that can offer lenders stock, debtors or equipment as security, this is often the best form of finance.

The financial crisis makes clear how much the interests of foreign lenders have become a top concern in Washington.

Regulators will have to scrutinise the risk of the system overall and not just that of individual lenders.

That means investigators trying to prove investors were misled have to dig deeper into how lenders were doing business.

Lenders, for instance, are required to quote interest rates as annual percentage rates, making loans easy to compare.

From that day on, The Human Sponge was just a sweetie. . . except around money-lenders.

The companies have since been trying to force lenders to buy back mortgages that failed to meet certain underwriting requirements.

Some of these companies are now listed, which makes them better able to honour their obligations to their lenders.

The terms of the deal imply a loss to Greece's lenders equivalent to 21% of the market value of their debts, said the IIF.

"The company is currently in active negotiations with its financial lenders, " the statement said.

"To support the leverage, lenders needed to believe in [Sanyo's chip] prospects and of being able to generate stable cash flow. "

For instance, Mr Khanna's worldview has no room for the recent controversy over profiteering among microfinance lenders.

Businesses, investors and consumers lose confidence; borrowers are unable to repay their lenders, who suffer as well.

Lenders are trying to recuperate by dumping peripheral businesses and cutting back even in core areas.

Lenders reported a ``material reduction'' in credit availability to the commercial real-estate industry, the Bank of England said.

He thought lenders understood risk better than government regulators.

He added that EU lenders already had sufficient monitoring safeguards in place in its bail-out programme.

These must be reduced, either by telling lenders that they won't get all their money back or by an infusion of charitable funds.

And some experts believe prices will continue to fall, in part because lenders are now trying to sell millions of foreclosed properties.

These "free riders" are "the unintended and unfortunate consequence" of lenders struggling to work out a solution, Mr.

The other five failed banks are from Spain, where the bursting of a real-estate bubble has saddled lenders with swelling piles of bad loans.

China's big banks helped fund some of these unofficial lenders as a way around Beijing's efforts to tighten credit.

NEW YORK (Reuters) - U. S. banks are bracing for possible deflation and, if it comes, it will not be pretty for lenders, analysts said.

She says American investment banks have made excessive loans, which created a real estate bubble and made the lenders insolvent on bad debt.

Fourth, make sure that banks hold a large stock of assets that are easy to value by lenders of last resort.

It has been one of the hardest hit among the largest U. S. lenders in the nation's housing and credit crisis.

"At least lenders aren't panicking any more, " said David Wyss, chief economist at Standard & Poor's in New York.

Lenders have already cut their credit to companies over the past three months, according to a new survey by the Bank of England.

Such a structure can only endure because central banks act as lenders of last resort.

The bank has given a lead by agreeing with other multilateral lenders that any company barred for corruption by one will be barred by all.

They were inevitably found out by the traders, money lenders and others who depended on the worth of that currency.

The reason for the downgrade was that bailing out its troubled lenders would put pressure on the sovereign finance.

But a crucial part of the deal was the divide between private-sector creditors and official lenders.

Last week two big financial companies announced that they had been unable to raise the cash demanded by their lenders.

Lenders have also reportedly been allowed to avoid booking losses on loans to Air India, a state-owned zombie.

and ripping up contracts between borrowers and private lenders is usually a bad idea.

Mohammed Yunus has said he worries that lenders may be more interested in profits than poverty reduction.

The administration of President George W. Bush used to argue that the IMF alone, not bilateral lenders, should be in charge of rescues.

He said many Americans are concerned that their tax money will be used to bail out private lenders and other financial institutions.

For a few weeks in the summer foreign lenders did not want to lend to them, even using Spanish government bonds as collateral.

Because lenders expected to be able to sell on the risk of default to someone else, they lent too easily.

In a crisis, haircuts typically rise as short-term lenders attempt to protect themselves from possible declines in asset prices.

Restricting lenders' ability to reprice an unsecured loan will cause them to stop lending or to lend less.

Some people emphasize the predatory lenders who seduced her with too-good-to-be-true credit lines and incomprehensible mortgage offers.

Even absent such a decline, lenders remain cautious, punishing those who never indulged during the boom.

Finally, consistent with the reason why lenders prefer IOs, these mortgages are more likely to be repaid earlier or foreclose.

IKB, one of the first lenders to collapse in the credit crunch, was largely the author of its own misfortune.

Eight of the 91 lenders it examined did not have enough capital to absorb hypothetical losses in the event of a downturn.

Now, the Treasury has foreign lenders' support, but to keep them on its side it must show it won't let the deficit run out of control.

There has already been a consolidation into a limited number ofexperienced lenders in markets such as credit cards and auto loans.

With a number of lenders offering car loans, the borrowers can bargain a good deal in car finance.

The generous terms of the original deal stemmed from it being among the first crop of investments by western banks in Chinese lenders.

' She said GM's main concern was getting waivers with lenders to avoid having loans recalled.

That after all was the fate of lenders who refused to settle promptly in a case involving WorldCom, another dotcom-era implosion.

Some say that by letting lenders repay the state, those unable to do so would face runs on their shares and junior debt.

But that depends on a high degree of cooperation by lenders who have been increasingly wary of new lending as the crisis has deepened.

But a broker who finds lenders for homebuyers offers you a deal. A loan with payments low enough to fit your budget.

They are also trying to persuade lenders to extend maturities on existing loans.

The company said it 'believes that its lenders have now taken possession of substantially all of its' securities.

The announcement also slammed U. A. E. banks, both in Dubai and Abu Dhabi, among the biggest lenders to Dubai and its corporate entities.

Indeed, if lenders had been more prudent, housing would have coasted to a soft landing, and would likely be on the mend today.

On average, borrowers also owe over four times as much to informal lenders, which charge far higher rates, than they do to MFIs.

Lenders who do not cater to people with bad credit can be identified easily through the net.

Bad credit OK, We are ready to give you a $343, 000 loan, after further review, our lenders have established the lowest monthly payments.

Banks will still be the largest lenders but there will be a gap that will need to be filled and I think private funds will fill it.

However impatient investors, lenders, and borrowers may be, believing that the actual problems can be solved overnight is irrational.

Lloyds Banking Group, one of the big four lenders, is worried that many businesses are "sleepwalking" towards economic recovery.

Those European lenders that did not get state capital are patting themselves on the back.

Their origins lie in 2004, when some of the big subprime lenders began to compete hard for market share.

is one of the few bears on Chinese banks, with sell ratings on six of the nine Chinese lenders he covers and no buy ratings.

To calculate average mortgage rates, Freddie Mac collects rates from lenders across the country on Monday through Wednesday of each week.

The studios' lenders converted about $5 billion in debt for equity, the company said today in an e-mailed statement.

Many private lenders allowdelaying payments for a year.

Lenders generally do not want to be in the business of selling houses reclaimed through for closer foreclosure.

Analysts estimate that China lenders have raised close to Rmb700bn from capital markets so far this year to shore up their balance sheets.

As lenders and investors inevitably become more discriminating, liquidity will recede and a number of problems will surface.

For now, rescues by the European Central Bank and other lenders are the only answer in a debt crisis.

The Company expects that its lenders will promptly take possession of substantially all of the Company's remaining assets.

And although a few on Wall Street are reaching for the champagne, most Main Street lenders are more inclined to drown their sorrows.

The president announced the plan Wednesday in Arizona, a state which many houses repossessed repressed by lenders.

That's when signs of trouble at financial institutions, especially mortgage lenders, began to emerge.

It might be impossible, and even if there were willing lenders, the interest rates would be painfully high.

But those unable to qualify now probably should not have been approved during the boom, realtors and lenders agree.

The president announced the plan Wednesday in Arizona, a state with many houses reprocess repossessed by lenders.

Lenders have very limited information on clients' borrowing from others, relying for the moment on informal information-sharing.

Generally, housing is the location of a certain Branch counterpart, the choice of noodles or lenders are very narrow.

More than 450 US banks and mortgage lenders have gone out of business and a further 416 are on a regulatory watch list of troubled firms .

By bailing out some of the private lenders, Mr Paulson risks giving the seal of government approval to a sometimes dodgy business.

The president announced the plan Wednesday in Arizona, a state with many houses re-possessed repossessed by lenders.

Lenders generally do not want to be in the business of selling houses reclaimed through foreclosure.

But because there was not a liquid market for insurance on Indonesian companies, lenders bought credit derivatives on Indonesia itself.

Credit is scarce, not least because overseas lenders are pulling out of the market, and terms and conditions have become more onerous.

This move is interpreted as a warning to banks that have been the most active lenders that they should rein in excessive behaviour.

Yet the landmark "strategic" relationship between the US and Chinese lenders has conspicuously failed to glister.

These 'microfinance' lenders often charge interest rates up to four times the benchmark rate.

But the change of gear could be very tough on the financial system if too many lenders and investors are counting on more.

Lenders could end up wrapping these derivatives into mortgage contracts as a form of home-equity insurance.

Recent revelations suggest that many lenders rode roughshod over legal niceties to push delinquent borrowers out of their homes.

But analysts say some lenders may be forced to go back to the market for more once they have accounted for this off-balance sheet lending.

The rescues of banks, insurers and mortgage lenders have also left some cleaning up to do.

But the core of the problem was the same as in every other banking crisis: sloppy underwriting at mainstream lenders.

borrowers are unable to repay their lenders, who suffer as well.

Make sure you compare loan products and lenders, and review the terms of your loan contract carefully before signing.

The rules raise the minimum amount of capital lenders are required to have as a cushion against unexpected losses.

The scale of the shortfall will be determined by international lenders over the next few weeks.

The markets will not recover until lenders believe the banks have credibly owned up to their losses.

Lenders will also expect you to make a financial commitment to the business.

Every new form of credit brings with it abuse from some borrowers and lenders.

But a bank-bashing budget will not win the markets' favour, especially as cracks begin to emerge in lenders' Greek-laced balance-sheets.

Potential buyers have had no problem lining up financing from China Development Bank and other state-owned lenders.

Lenders can charge them more because there is a greater chance they were not be able to pay back the loan.

It would see lenders write down the mortgage amount in exchange for a government guarantee.

Senior debt earns high priority if lenders have to reclaim funds, hence the bond issue terms can be less onerous for the borrower.

Surely, the non-bank mortgage lenders and originators can be regulated either directly or through management of the mortgage market itself.

Beijing has so far relied heavily on so-called reserve requirement ratios for lenders as a policy tool.

The collapse of the industry could have severe consequences for borrowers, who may be forced to resort to money lenders once again.

Dirham lenders receive higher interest rates to compensate for the funding cost differential between the London and local interbank markets.

Beijing pulled its banks out of near-insolvency earlier this decade, then partially privatised the recapitalised lenders.

If those products include mortgage-backed securities, then lenders, brokers, property valuers and estate agents will also be involved.

The view that they are inefficient lenders with poor ability to evaluate risk has been overtaken by a sense of their potential.

Chongqing Commercial Bank, like other city banks as well as the "big four" state lenders, plays an important role in funding local projects.

Meanwhile, mushrooming mortgage losses at various federally controlled lenders could choke off some of the credit flowing to households.

Like the Japanese banks before them, Chinese lenders also want to follow their clients and money flows; hence the spate of deals in Africa.

Within a few weeks some $40 billion was poured into distressed Western lenders, among them Citigroup, UBS, Morgan Stanley and Merrill Lynch.

Having a palp or palps. Licence applications are, initially, submitted to the Registrar of Companies as Registrar of Money Lenders.

The financial departments should also explore new ways in providing loans so that lenders can avoid or at least transfer credit risk.

The rest of Europe is now talking about imposing penalties on private-sector lenders in future rescues.

Mortgage lenders offered her credit on the basis of the supposedly rising value of her house.

These days lenders are in a spin as they struggle to cope with write-offs, a regulatory crackdown and changes in consumer behaviour.

There are the loans to lenders made during the crisis by the central bank, which must now queue up with other creditors of the "old" banks.

In the case of credit history, there are generally three types of lenders the customers will have to deal with.

You may also need to sell lenders or other financial backers on the prospects of your company.

Lenders now require first-time buyers to put up a bigger deposit than was customary during the boom.

Many bankers agree, noting that IFIs often tie other handouts to loans and undercut commercial lenders by up to 3%.

Like other international lenders, the Asian Development Bank may also become more of a knowledge bank for technical aid.

Rather than fostering moral hazard by making lenders whole, Dubai, out of necessity, looks set to make them share the pain.

The funds sat static at commercial lenders' accounts at the central bank and failed to spark business investment and consumption.

Many big lenders did not disclose off-balance-sheet risks.

And without the bid, lenders might have pulled the plug on Oz long ago.

Second are China's local governments, which are among the biggest lenders and the biggest investors in many real-estate projects.

Lenders are experiencing annualized growth rates in mortgage volumes of up to 100% or more.

French banks are the biggest lenders to Greece so a Greek default would also bring down the French banking system and hence the Euro.

Loan sharks and other informal lenders were reminded not to use violence or other drastic measures to collect debts.

The institutions providing these lenders with capital require meaty returns, not merely a modern replacement for a mattress.

The Bear funds had borrowed to enhance returns, and in doing so had to post collateral with lenders, known as prime brokers.

Earlier in the week, she said she would like France's lenders to achieve a tier one ratio of 9 per cent.

As part of the new conversion drive, lenders may have their incentive money withheld until temporary modifications are made permanent.

without adopting international standards , north korea cannot possibly expect international lenders to assist it in reforming its economy.

But it has only recently embarked on reforms that most of the country's largest state-owned commercial lenders have completed.

Worries over subprime loans have hurt even some of the biggest lenders in the United States.

The attitudes of the banks, other lenders and capital markets to leverage have changed, if not for all time, for a considerable time.

A housing collapse following the worst bubble in Europe severely weakened its lenders, raising fears of the need for banking bailouts.

Despite massive injections of taxpayers' cash to restore lenders' balance-sheets, it will be a while before the credit crunch ends.

Look for loans that are for sale either by contacting lenders directly as a loan broker or by searching on a public loan exchange.

Governments and major lenders like the World Bank and the International Monetary Fund turned to free market policies.

The business depends on confidence; no bank can survive if its depositors (or its wholesale lenders) all want their money back at once.

The government announced details of its 'bad bank' program, which it set up to acquire toxic assets from Irish lenders.

Bankers and government officials said Chinese lenders and sovereign-wealth funds are eyeing a number of potential deals in Europe.

Consolidation among the island's 37 domestic banks could be hastened by allowing cross-ownership with mainland lenders.

Government funds had to execute costly accounting manoeuvres to avoid technical default and foreign lenders needed reassurance.

Many of these lenders simply followed their clients, initially offering trade finance and treasury services to multinationals.

The state has also nationalised two mortgage lenders and is proposing to insure banks' toxic assets against catastrophic losses.

The German cabinet endorsed a bad bank scheme to rid the country's lenders of their toxic assets.

And this month many big lenders have made positive noises about profits so far this year.

Dealing with the state sector buys the lenders political goodwill and puts the individual bankers making the loans in a good light.

It works by doling out government subsidies (up to $10, 000 a mortgage ) to both lenders and borrowers to 'modify' or reduce a mortgage .

BofA's stake purchase comes as western investors consider whether to monetise their paper gains in a number of mainland lenders.

From the lenders' perspective, writing off a few bad ID-theft debts is cheaper than losing the lucrative "impulse buyer" market.

Lenders have gone from reckless, profitless lending to over-cautious usury, at least in some cases.

Democrats have always been critical of federal interest-rate subsidies to private lenders, which is how student loans are organised.

Finance is po ible but a larger down payment is normally required by most lenders depending on how low your credit score actually is.

Interest rates significantly increase due to the higher purchasing power and risk premiums demanded by the lenders.

It may be too late for Chrysler's secured creditors and if GM's lenders cannot reach a voluntary agreement, they may face a similar fate.

Leveraged lease at least three aspects of participants: lenders, lessors and lessees .

And it is unclear whether lenders such as the IMF, World Bank or Asian Development Bank are ready to move into Myanmar.

In the late 1990s, Chinese state lenders were all but insolvent, with nonperforming loan ratios at many banks exceeding 50 percent.

Still, real - estate agents and mortgage lenders are banking on first- time buyers to help stimulate the otherwise dreary housing market.

Credit spreads, the extra interest lenders charge corporate borrowers, are likely to remain elevated until deleveraging runs its course.

Central banks are becoming the only lenders in the land.

Olympus gained "understanding" from several dozens of lenders at the meeting, Takayama wrote.

Stories abound of clients of these banks desperately knocking on the doors of domestic lenders.

Small mortgage lenders started going under quickly, with the number of failures climbing into the hundreds.

Soon, though, the lenders forced Bear Stearns to extend one of the portfolios $1. 6 billion of its own money to keep it afloat.

Online lenders quick, convenient, but human touch is still important for WINDOWS SHOPPING.

The Steering Committee recommends mortgage lenders to specify the default rate of interest in the facility letter.

A day later, shares in RAMS, one of the country's mortgage lenders, tumbled 60% after it sought emergency funding.

Allowing foolish lenders, incompetent regulators and sloppy policymakers to hide past mistakes is a bad excuse for endless delays.

So lenders, or the loan-servicing firms that represent banks and investors, are increasingly likely to set the minimum much lower.

Mistrust between Greece and its international lenders is running high after months of near-standstill in Athens on the reform effort.

Alix Partner's Bassuk said he sees "more risk and more downside" as retailers promote cards and lenders raise rates.

That's because several major lenders temporarily halted most or all foreclosures amid allegations they were handled improperly.

Prosper's principal business is as an online peer-to-peer lender, matching up individual borrowers and lenders.

Lenders had to meet minimum capital requirements by the end of September or swallow public funds.

Rising unemployment, reluctant lenders and an exodus of foreign investors (plus shoals of expat bankers) imply further declines.

Lenders had to make write-offs, most of the new economy stocks proved valueless and many structured products became unmarketable.

acts as a de facto creditor of its customers by offering longer payment periods than other lenders.

But, unfortunately, those effects may be offset by a bigger one: The reluctance of investors and lenders to take risks.

Automated underwriting enabled lenders to screen borrowers more efficiently (and also reduced the opportunity for racial discrimination).

Mistrust between Greece and its international lenders runs high, after months of near-standstill in Athens on the reform effort.

If the lenders were to pull out, prompting a debt crisis or a bank run, problems could then spread to Estonia or Lithuania.

JPMorgan Chase & Co. (JPM) and Bank of America Corp. (BAC) jumped at least 2. 7 percent, following a rally in European lenders.

He and other governmental officials met with lenders, loan servicers, investors and others to work out terms of the plan.

Andrew Cuomo wants financial aid offices and lenders to follow a set of rules, a College Loan Code of Conduct.

South Korean lenders were among the biggest decliners on Tuesday in Seoul, where the main stock index slumped 3. 6%.

Lenders would have to keep five percent of the home loans they would normally group together to sell as securities.

They were traditionally bankers to the banks, in which capacity they became lenders of last resort.

Lenders will be leery of high risk investments for the next couple of years.

Apps could also be used to link entrepreneurs with micro-credit lenders or with markets.

He and other government officials met with lenders , loan servicers, investors and others to work out terms of the plan.

Under a voluntary program called Hope Now, participating lenders freeze at-risk borrowers' interest rates at a low level.

Millions of borrowers have now stopped paying lenders in the state even though they have the money, the lenders say.

But with lenders and bondholders much more risk-averse than before, the era of "clean" restructurings appears to be over.

Governments are now borrowers, lenders, investors and insurers of last resort for much of the financial system.

Other lenders may follow, especially because loan workouts are often less costly for banks than foreclosures.

Where there have been defaults, strong second-hand values have shored up recoveries for lenders repossessing vehicles.

The president is also backing legislation to give bankruptcy judges the power to alter mortgage terms, lenders opposed that.

The participation of the international institution lends confidence to the commercial lenders.

Alarmed by the threat of a second financial crisis, the government ordered lenders to apply the brakes to consumer credit.

Through the bailout process, Seoul reshaped the domestic financial landscape by guiding various mergers among lenders.

Many countries are back in the red, giving lenders an opportunity to regain a central role.

La Salle University Finance Professor Walt Schubert says investors and lenders set interest rates by looking closely at a nation's economy.

Capitalist systems function less well without state protection of investors, lenders and companies against monopoly, deception and fraud.

But the ruling is nonetheless a blow for the competition watchdog and a boon for the lenders.

Graduates may become company treasurers, chief financial officers, commercial lenders, and securities dealers.

Getting outside funding is also a problem for many entrepreneurs because lenders and investors want a say in how the business is run.

American mortgages are non-recourse in many states, making it harder for lenders to pursue defaulting borrowers; not in most of Canada.

Yet most Spanish lenders are still shut out of the wholesale credit markets.