default rates

But it is a guide to how much default rates may worsen even if the economy stays strong and house prices stabilise.

And default rates will rise as portfolios age. But at least the credit crisis has given social lending a friendly pat on the back.

High default rates on "subprime" and adjustable rate mortgages (ARM), began to increase quickly thereafter.

Even though student loans cannot be discharged through personal bankruptcy, default rates have been high.

When savings are abundant and global interest rates low, default rates tend to be low, meaning credit spreads should be low too.

Lately, loan-default rates have ticked up in Brazil.

Compare a for-profit college with a public or non-profit institution with similar student backgrounds, and the default rates are similar.

In the wake of the crisis, the price of many of these bonds collapsed as default rates soared.

The patchy credit histories of subprime and low-documentation borrowers made it hard to model default rates accurately.

The drivers of corporate-bond performance tend to be default rates, economic growth and shocks to risk appetite.

These findings indicate that through proactive measures, student default rates may be reduced.

Many investors have lost trust in securitization after losing huge sums on packages of subprime mortgages that had high default rates.

Students and their families are becoming ever more reliant on loans, both commercial and state-backed, and default rates are climbing.

They divvied up the bonds based on both expected default rates (a more timely measure of quality than ratings) and time to maturity.

They are already planning for default rates at the top end of historic levels.

But Karlan points out that micro-credit borrowers do default, and that subprime default rates are much lower than you would think.

All this promises soaring default rates in 2009.

So far, default rates on commercial-mortgage-backed securities are a slim 0. 4%.

The default rates already are twice what they used to be. I think it'll get worse.

It is just that the loan default rates of SMEs and the bankruptcy of building enterprises had increased sharply recently.

High-yield, because of its sensitivity to corporate default rates, is even more affected by turns in the business cycle than other assets.

Even Fannie Mae's 2005 mortgages, most of which should have been conservatively underwritten, are suffering unusually high default rates.

Default rates are rising. Lots of sellers are forced. A buyer with options holds all the cards.

Rating agencies badly misjudged default rates in subprime mortgages and are now having to downgrade reams of securities linked to them.

With default rates still high, banks are demanding better credit ratings and larger down-payments than many first-time buyers can manage.

as a result, the default rate has been very low. Traditionally, low default rates have been associated with low spreads.

Harder to get bank finance, SMEs seen as higher risk, and often have high default rates, NPLs.

Corporate default rates, stunningly low in recent years, are sure to rise.

The highest default rates are at for-profit schools that tend to serve lower-income students and offer courses online.

Their default rates hover around zero, because the borrowers will do just about anything to pay back their debts.

The maximum allowable default rates should be cut to 15% %, or so.

More certain, however, is that the debt burden and default rates for graduates are particularly high.

Implicit default rates for the UK and the US are even higher.

In 2008 default rates remained relatively low (although you might not have thought so from the newspaper headlines).

In the past year, default rates on US mortgages have more than doubled.

Most, but not all, CDFIs are nonprofit, and their loan default rates are extremely low.

In spite of highunemployment and growing default rates, borrowers have yet to tamp theirappetite for loans.

Junk-bond default rates, which ran at just 3. 4% in the past 12 months, are certain to spike in 2009.

Economists worry that a big loss of jobs in the coming months could drive default rates much higher.