loan

It ordered banks to set aside provisions equivalent to at least 130% of loans that are likely to turn sour.

How, indeed? Moreover, one of the features of the crisis is how widely distributed securitised loans turned out to be.

The bank was a repository of government funds and a source of loans for individuals and the federal and state governments.

Today my husband's rich aunt and uncle came in town and handed us an envelope and said we hope this helps out with the student loans.

When credit markets seized up in the fall, the ECB began offering banks unlimited loans at its policy rate for up to six months.

He has said he accepted the money only on the basis that the payments were loans that would be repaid with interest.

It had become a byword for reckless lending , offering home loans of up to 125% and borrowing heavily on the international money markets.

That would enable the bank to slash its regulatory capital, as well as parts of the bank that service the loans.

Some in government probably think it a good idea to help small businesses and even consumers get loans, but others are cautious.

However the German government is prepared to guarantee loans on condition that an investor in the business is found.

The move essentially reduces the amount of money available for loans, and is an attempt to cool down the economy.

Policy makers are likely to ramp up the program by extending the length of the loans, perhaps to a year.

Fourth, from the ultimate results - financial crisis, the United States before dying old lady did not pay off mortgage loans.

Losses on the toxic loans LBG inherited in that deal have been shrinking at a much faster rate of late than the bank had anticipated.

Like Ireland it had a runaway real-estate boom that has left its banking system with a pile of sour property loans.

Back in the days when banks made loans, and then kept these on their books, it was easy to tell who held losses when credits turned sour.

If just a fraction of these vehicles have problems repaying loans, there could be scores of troubled loans hitting the headlines.

Its yield is often used as a benchmark for mortgages and other consumer loans.

A list of all loans to officers, directors and affiliates of the Company and its subsidiaries, including the amount and terms of such loans.

Could banks have shown risk out of the front door by selling loans, only to let it return through the back door of prime broking?

Meritage is now catering to the only customers able to get credit: first-time buyers with federally guaranteed loans.

But given the dire quality of the loans, the AMCs were never going to be able to repay the interest on the bonds, let along the principal.

For the moment, the banks are not complaining: they stand to be compensated for loans that had already gone bad.

In August, the CBRC told banks that loans moved off their balance sheets up to that point must be returned by the end of next year.

Interim GM Chairman Kent Kresa said the company would welcome the government's willingness to let it pay off some of the loans with stock.

Investors also worry that Chinese bank lending to local governments for stimulus programs could sour into bad loans in a year or two.

Nicaragua buys $1 billion a year of Venezuelan oil, and gets half of it back in low-interest, long-term loans.

There also have been a few 'covenant-light' loans, which loosen some of the typical restrictions on borrowers.

But he stood firm, insisting that he was not involved in the loans and that his bank was one of many hit by recession.

The influence of foreign religious organisations seems to be growing along with rising government loans from Gulf states.

Its yield is often used as a benchmark to set interest rates on mortgages and other loans.

The binding constraint on investment decisions is usually not the cost of capital but the availability of bank loans.

The money is so cheap it could lead some banks again to make bets and loans that later turn out to be inappropriate.

The company's shares have nearly tripled in value since early this year, when it became clear that Ford would not ask for government loans.

That lending is expected to produce a flurry of bad loans as projects funded over the past two years fail to turn a profit.

The process takes longer and is often more costly for borrowers with larger loans and less than stellar credit.

Yes, low prices are bad for homeowners who are trying to sell and for banks that have lots of bad loans on their books.

MBIA sued Credit Suisse, alleging the bank fraudulently sold securities backed by loans that did not meet underwriting standards.

Purpose of World Bank It is robbing poor countries of their important public resources in the name of offering loans. I feel sorry for that.

At least until July, the ECB will continue to provide unlimited loans for periods of up to three months.

Paulson said the loans would likely be nonrecourse, meaning investors wouldn't have to pay the Fed back if the underlying borrower defaults.

It had become a hot topic that my colleagues here applied for a new low-interest loans to replace the original house loans.

If you think you know it then shout it out. Is it taxes, interest on loans, land leasing or borrowing? You've got three seconds, go!

Loan Loss Provision An expense set aside as an allowance for bad loans (customer defaults, or terms of a loan have to be renegotiated, etc).

Quite the opposite, ATE has long been used by administrations as something of a trash bin for bad loans.

What sort of business can generate the spectacular returns necessary to repay these high interest loans?

The ECB will say next Thursday how much of its crisis support --mostly ultra-easy loans for banks-- will remain in place beyond mid-January.

The bank lends small amounts of money to poor people, especially women, who are unable to get traditional loans.

Now, how much do you think we can get back on our loans?

The company sold most of the loans it originated, but continued to hold some on its books.

Some of those loans started to fail. The bank was in danger of not being able to pay its short-term debts.

Make it a goal to pay off your student loans early, so that you can free up the money you have to pay towards the loans.

Sitting in a small shop, Salim Khan said people approach him for loans when a child is sick or if they need cash to travel for migrant work.

Has said he would make $4 billion in loans to help domestic manufacturers retool factories and build more fuel-efficient cars.

However, Wells Fargo is still setting aside large amounts of funds to cover future losses from loans, although less than a year ago.

The Bank of Japan this week said it would extend the availability of cheap loans to banks, in a bid to push down the yen.

Experts seem to agree that the trouble started with bad loans in the housing industry, and grew into a widespread crisis of confidence.

Officials may extend loans to banks at maturities of two or three years, said people familiar with the matter.

The length of maturity of large consumer durables loans is usually within one year, with the longest up to three years (or shorten).

Then Irish banks, saddled by poor property loans, began to sink, and the state stepped in with bailouts that total up to 50 billion.

Mr. Kent cited China's massive stimulus package, which he said has boosted manufacturing growth, increased loans and capped unemployment.

She then used the money from richer customers to temporarily disguise the loans during the bank's monthly audit of overdrafts.

How much interest do they charge on loans?

and of a lack of long-term credit as banks shy away from the loans likely to have the most volatile values.

About a fifth of these loans are believed to have been used to buy shares.

They are questioning why they borrowed all that money, took those loans, hell, they wonder why they bothered to get educated at all.

General Motors (GM) closed out its centennial year having to ask the U. S. taxpayers for loans to survive.

It was not until the company repaid all the old loans that it was allowed to take new ones.

Years of boom, buoyed by cheap foreign-currency loans and a currency pegged to the euro, have turned to a spectacular bust.

The government did not curb bank loans across the economy. The target of 7. 5 trillion bank loan in 2010 had not been adjusted downward.

NARRATOR: To many, the loans-for-shares deal was more than a scandal; it was the theft of the century.

The bulk of the money will have to come from the private sector. At first that could be in the form of loans and equity investments.

They view the bank as an intermediary between borrowers who prefer long-maturity loans and depositors who prefer liquid accounts.

Due to its participation in underwriting subprime loans, Bear Stearns was one of the first casualties of the current financial crisis.

Additional help was given to the poor farmers in the form of loans at very low rates of interest or no interest at all.

State aid had taken the form of reduced-rate loans and guarantees as well as direct subsidies, he said.

eg. Less than half of the money that students receive is in the form of grants, and loans have made up the difference.

Other banks remain noncommittal about how much of their federal help will go toward new loans.

A Lloyds spokeswoman said the bank's Irish loans are included in a catch-all category marked 'other. '

But none of that has prevented a plunge in activity, with new mortgage loans approvals down 61. 9 per cent in January from a year earlier.

I guess what finally pushed me over the edge was that I needed help to pay off my loans from school.

Loans from state banks are the cornerstone of the stimulus programs China put in place amid global slowdown more than a year ago.

But bad loans can be written off and a few years of even mid-single digit GDP growth will absorb most of the investment excess.

of the total investment and registered capital of the difference between SAIC will be part of the commission, through loans to help resolve.

The absolute volume of loans many banks are adding in a year now is often bigger than the entire bank was a decade ago.

Investors have begun to demand better terms for the high-yield loans and bonds at the heart of the leveraged deals.

The bank's niche focus has helped it expand at a time when demand for loans around the country has been soft.

Your college of choice tends to offer loans, rather than grants . "Free" money is always better than money you have to repay.

But he said the bank had sought extra capital to cover an increase in bad loans this year to 8 to 10 per cent.

A bank has the right to pay itself back out of your next deposit for any fees or overdraft loans that you owe.

But he said the bank had sought extra capital to cover an increase in bad loans this year to 8 to 10 per cent.

A bank has the right to pay itself back out of your next deposit for any fees or overdraft loans that you owe.

However, the shareholders of the banks will not be so pleased if the credit binge ends up in a wave of new bad loans.

"My numbers are a conservative estimate as there are probably a lot more loans out there that we do not know about, " he adds.

CEBS sets out in its guidelines that non- recourse loans, where the loan could be written off after a certain period, are disallowed .

It would have helped if America had written off the war loans it had made to Britain and France, but it was not prepared to do that.

However, healthy companies that did not need loans were finding it laughably easy to raise money.

China's banks borrow money in the interbank market to make loans and meet regulatory requirements for how much cash they have on hand.

When loans remained on the balance sheet to maturity, there was no alternative to an assessment of their fundamental value.

Its yield is often used to set interest rates on mortgages and other consumer loans.

The task is complicated by the fact that the firm used some of these as collateral for its own loans.

The money supply was basically stable with the incrementaloutstanding loans and deposits declined slightly as compared with that a year ago.

The loans allow Chinese gamblers to get around currency controls limiting how much money they can take abroad.

The long duration of the general housing loans, the interest payment the borrower uncertainty, and always facing interest rate risk.

Land also is often used as collateral backing the loans to their financing vehicles.

A bank or investor has good funding liquidity if it has enough available funding from its own capital or from (collateralised) loans.

The granting by the Company of any loans or guaranties for an Employee or for the Employee's family members.

And with banks still able to toy with the value of their assets, they may not be able to cover the risk of loans, just as in 2007.

When Fannie or Freddie bought a mortgage, it freed up the bank's limited capital, allowing it to make more loans.

Lately, they'd found a source of steady income by taking loans off the books of banks and packaging them up as trust products.

It would only escape "enhanced surveillance" when it had paid back 75% of any loans.

The company also plans to raise money from charitable foundations to lend out, with the interest being reinvested to fund further loans.

The President said the government will provide about eight billion dollars in additional loans to the company during this period.

Analysts say the steep drop shows how much of this year's rise has been fuelled by bank loans channelled into speculative activity.

International funds could be used to subsidise low-interest loans to energy-efficient buildings, or to pay for technology transfer.

That could reduce the number of loans the bank is able to make to consumers and businesses.

By at least the late 1990s, he began to take out huge loans to support himself and pay debts.

Loans more, the better, pays as small as possible, of course, all this should be in control of your debt capacity .

In 2011, with policy in tightening mode, the banks will not be able to push as many loans out the door as they are used to.

Then, with Hyatt and the City in his corner, he made deals with banks and a prestigious private investment company, to give him hefty loans.

He said in the adjustment of enterprises, loans of this form of financing is obviously not appropriate.

The bank enables Tumaini account holders to start their business by providing loans of up to 110% of their savings.

Doomsayers warn that it is only a matter of time before excess capacity leads to a wave of bankruptcies and sour loans.

I helped my mom write it a couple years ago, and I was to get funds to pay off school loans.

He said that he wants to provide each of his daughters proper Indian weddings, and will take out loans to pay for the others.

The money will come in the form of loans from the Iraqi Finance Ministry, he said.

But some of these investments can be very risky if homeowners cannot repay their loans.

Good morning. Let me introduce you to Mr. Chen. He would like to ask you details about mortgage loans.

Most crucially, it is usually claimed that the total bundle of loans is safer than any individual credit.

"But right now it seems the investment rate is too high. How much of that is ill-advised and future nonperforming loans, no one knows. "

Greece is no longer a concern as it has emergency loans to cover its funding for the next two years.

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

The bank set aside less money to cover bad loans and said it expected to get permission from the Federal Reserve to raise its dividend.

Beijing is trying to tame housing prices , rein in overly aggressive lending and stop banks from shifting loans off their books .

Now the bank's largest source of income is through loans, mainly made to businesses and also to individuals for the purchase of houses.

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

Profitability of the bank will be further enhanced by the release of the general provision made in respect of the mortgage loans.

In particular, the bank is significantly exposed to project loans and property segments, which we view as a potential weak spot.

For all the fears of bad loans and impending doom at Chinese banks, their latest earnings failed to live up to such doubts.

The beneficiaries seem to be large firms, where loans are growing four times as quickly as at small ones.

The World Bank will offer Egypt four and a half billion dollars in loans over the next two years.

The U. S. government continues to provide loans and training to help people make a living in small businesses and fisheries.

If the two automakers "miss the boat" on the DEO loans, so to speak, it's not known if they will get a second chance.

All it will take is a fall in housing, or some sort of economic slowdown, to reveal an untold number of bad loans.

In the years of easy, plentiful credit, companies were able to demand looser conditions on their loans.

S. dollars. From bulk commodities to the fixed-income to mortgage loans, Goldman engaged in the business of each of the money it paid.

Earlier this fall, I signed a bill that authorized up to $25 billion in loans to help these automakers make more fuel-efficient vehicles.

The volumes were large enough to complicate Beijing's efforts to manage economic growth by controlling the total volume of bank loans.

In May 1996, the U. S. Export-Import Bank announced that it would not support loans to U. S. companies pursuing Three Gorges contracts.

GE, one of the nation's largest corporations, turned to the Fed for short-term loans, known as commercial paper, when that market dried up.

The time deposit certificates of entities can only be opened and used for loans against a pledge.

When investing in assets that cannot be readily sold, as in the case of many bank loans, they incur liquidity risks.

He took out loans to put himself through school.

If any project is not complied with the above said requirements after rectification, the bank shall not release new loans.

Throughout the crisis, the Bank has helped keep children in school, health clinics open, and microfinance loans flowing to women.

It is understood that the contract notarized fees charged for loans, the bank developed Sichuan branch ceiling to avoid irregular operation.

As for state and collective enterprises, it is only limited to such items as are connected with the bank's foreign currency loans to them.

This comes on top of a $130 billion package doled out to Russian banks in the form of loans, tax cuts and delayed tax payments.

It would also be bad news for China's economy, which relies on bank loans as the main form of credit.

But now gravity has reasserted itself; just as it did two years ago with respect to subprime loans, or Greek debt.

Speculation is focused on additional easing measures by the Bank of Japan, including expanding a funding scheme for short-term loans.

Of course, $60 million in loans may have been manageable as long as they were covered by the value of her assets.

The bank says earnings from its trading operations offset continuing losses from consumer loans.

The Taf was set up in December 2007 to provide one-month loans to creditworthy banks as markets dried up for lending longer than overnight.

Deposits must be lent out if the bank is to earn the margin needed to sustain the operation, and some loans may go wrong.

The other is the credit crunch which means an end to cheap loans for an economy that had become used to a flood of petroroubles.

Conservation education and micro-loans to women who practice sustainable farming are beginning to have an impact.

Originally what was happening was all those loans were going through banks and financial intermediaries.

The bank's profits are derived and mainly from the difference in rates of the loans it makes and deposits its clients put in it.

In the old days, a bank was stuck with its loans and needed to worry about the long-term creditworthiness of the borrower.

Recently, the Bank launched the Shanghai branch of the individual housing loans refinanced this issue resolved.

But critics of the World Bank say programs for the poor are often cut as a result of financial reforms required to get loans.

Loan portfolio is the method that bank lend the money to two or more debtors to diversify credit risk under the constraint of total loans.

After graduating from college with thousands of dollars in student loans, Scott Gerber moved back in with his parents in New York.

Such loans provided by the Parties or their Affiliates shall be referred to as "Shareholder Loans" .

Most of the money that flowed into the country came in the form of loans rather than foreign direct investment.

The Chinese Treasury Secretary doesn't have to ask for legislative approval to help the banks with these loans, as is the case in the USA!

Many companies have shut down in the recession, vacating shopping malls and office buildings financed by the loans.

The company now no bank loans, also shows that companies do not consider the use of financial leverage to make profits to expand.

Some of these loans have been restructured with new collateral transferred to banks, while others have been refinanced through bond issues.

If the loans exceed the surplus, the total investment in projects shall be reexamined by the original examination and approval departments.

The Company funded this investment through a combination of cash from operations and domestic commercial bank loans.

Banks would be able to draw capital from the fund and use it to make loans to small businesses at concessionary rates.

So far, most of these loans have been issued by China's export credit agency, the Export-Import Bank of China (China Eximbank).

Next up for the Freelancers Union is an online credit union where freelancers can save money as well as receive loans, says Horowitz.

Perks like parties, free-flowing coffee, and free snacks are the first things to go when the company is not doing too well. Loans.

Some experts fear that too much of the stimulus money was put into unprofitable projects and bad loans that will be exposed in a few years.

Over the past two years the federal government boosted the bank's capital base with two long-term loans worth 180 billion reais.

Higher inflation tends to go with higher wages, making it easier to pay off fixed-rate loans.

Banks had transferred loans to trust firms to be repackaged as wealth-management products as a way of circumventing lending quotas.

Nurses are not allowed to leave before they have repaid their student loans.

You slice and dice and repackage high-risk loans into securities that seem to be solid.

But the regime is running out of money, and will need loans if it is to survive.

It would be a heavy irony if Greece, a member of the euro club, were temporarily reprieved by loans in dollars.

The bank, with about $900 million in total assets, says just one of its 2, 300 home loans is in foreclosure.

However, even the new banks have written off about 50% of their loans, implying that they do not expect that portion to be repaid.

Thus, the next few years are unlikely to be sustained through the new bank loans financial levers housing purchasing power.

The state, after all, can be an effective brake when it wants to be: new renminbi bank loans fell by almost a fifth from February to March.

In his confession, Mr Raju said he had personally raised 12. 3 billion rupees ($250m) in loans to help keep Satyam afloat.

Homeowners fell behind on their loans and could not qualify for new ones: There was no value left in their house to borrow against.

Long term liabilities shall be itemized and shown as long-term loans, bonds payable, long-term accounts payable in financial statements.

Mr. Pandit himself comes from an investment-banking background, but most of the bank's current problems stem from troubled consumer loans.

Too much bad loans make for the financial institution to be very difficult in management .

The White House said the government shouldn't send any more money to the struggling auto industry on top of the already-approved loans.

e. g. the interest which a bank charges on loans is at a rate which is usually higher than its base rate.

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.

Finally, many of my colleagues have pointed out that reducing poverty involves more than the commitment of the Bank's loans and grants.

Many smaller banks are trying to bolster their capital by selling assets and making fewer loans.

The reckoning took account of the likely losses from transferring the banks' worst loans at a discount to NAMA, Ireland's "bad bank" .

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

The bank raises or lowers interest rates in violation of stipulations or resorts to unjustified means to absorb deposits and issue loans.

They need to get out there buying. They need to be able to get the loans.

The total stock of money in an economy, including notes and coins, loans, credit and other liquid instruments.

The Bank of Spain maintains that the net effect on the system will be neutral since it is also tightening rules for bad consumer loans.

She said a new 'special purpose vehicle' would be created to make these loans.

In the aftermath of the bank run, many borrowers will find it harder to get loans and will have to pay more for them.

The Fed said the decline was concentrated in commercial paper, loans and commercial mortgage borrowing.

VTB, Moscow's second biggest bank, said it had applied for VEB financing to help pay off $2. 3bn in foreign loans due this year.

She took out $10, 000 in loans to pay for a year of school and promptly went on the hunt for a sugar daddy.

Major issuers included companies that financed student loans and municipal agencies like the Port Authority of New York and New Jersey.

But although dud consumer loans have attracted much attention, individuals are not the only ones failing to pay on time.

In Brazil businesses find it hard to get loans from private banks for longer than a year, and interest rates remain high.

Yet this mountain of bad loans did not portend an economic slowdown, undermine public finances or derail economic growth.

Mrs Merkel wants private investors to contribute to any aid package by agreeing to roll over loans they have made to Greece.

I spent a year working for a software company to pay off my college loans.

Is the weighted average of the ratio of the total amount of overdue loans over the total outstanding mortgage loans.

Interbank loans and unsecured term funding are seizing up in the euro area, with short-term ECB loans and secured debt taking its place.

Mortgages may be the problem asset of the moment but next year the worry may be about credit cards, car loans and corporate debt.

But it has nothing to do with a bank's capacity to absorb losses from bad loans without going bankrupt.

Two years ago, his doorbell rang, and two men from Wells Fargo offered to consolidate his consumer loans into a low-cost mortgage.

At the end of the second quarter, about 9 percent of commercial real estate loans were delinquent, nearly double the level a year earlier.

Loans do not bring ownership, and trade involves only a contemporary transaction with no future income.

abroad very common fixed rate mortgage loans in our market has always been a gap.

The US rightly let Chrysler and General Motors file for bankruptcy before issuing loans to help with a necessary restructuring.

Bank loans were so cheap and easy to get that many commodity distributors used the financing for speculation.

Its executive directors paid it no heed, and the borrowers on its books never asked for loans and did not receive them.

The treasury subsidises the difference which, on $100 billion of outstanding loans, would be some $6 billion a year.

It also offered loans for up to 30 days to try to free up the markets for longer-term financing.

The bank said it would offer services including small loans and consumer credit, but gave no details.

If the ship owner fails to pay back the loans, he will lose the ship to the bank.

In the boom, banks were able to lend money via bonds and loans and then unload the debts in the form of structured products.

The terms of Chinese loans also tend to be better than those of deals from Western companies.

Such a trial would involve, for instance, approving loans to a randomly chosen subset of loan applicants.

Any government loans should be cumulative preferred debt: the taxpayers get paid before any other creditors receive a dime.

Meanwhile, companies, which had once relied on bank loans for financing, could more easily borrow from bond markets.

"It's just impossible to get loans from the bank unless you have connections, " he said.

Specific reserves are funds set aside covering losses out of risks of a state, region, an industry or a type of loans.

Lehman's plan is to carve out a portfolio of loans worth $25bn-$30bn into a separate listed company.

To the contrary, the recession is about to pile another huge set of non-performing loans on to the existing stacks of toxic assets.

It also allows the bank to confirm the recorded values of other leveraged loans in its portfolio.