Property development and mortgages account for less than 20% of loan book exposure, which points to less of a downturn threat.
Losses over the past year ran at 40-50 basis points of their loan books for the large banks, a rate that is minuscule for even the most buoyant economy.
You also could offer to throw in items they might want, such as patio furniture or a big-screen TV, or to pay points on the loan or take on some of their closing costs.
Fees are 40-100 basis points of the loan.
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Lest it be accused of loan sharking, Sanwa Bank points out that the venture is aimed at untapped middle-income, middle-risk consumers (apparently it is already getting calls from school teachers and tax inspectors) who cannot borrow money at banks but flinch at traditional consumer-finance rates.
Garrett, on loan from Linfield, made the points safe in the final minute.
Secondary markets were up, loan markets went up 72 bps points to finish the month at 100.58 while high yield markets were up 206 bps to finish the month at 104.63.
Student Loan Marketing just dropped a fast 30 points as the Treasury-Euro spread widened.
Regression analysis has provided important evidence: a famous study of mortgage applications by the Federal Reserve Bank of Boston, for instance, showed that loan denial rates for blacks were eight percentage points higher than those for whites, once a large number of factors that affected the risk of default were included.
Peter Ryan accepts that the loan rates look high to European eyes, but points out that they are much lower than the rates charged by local money-lenders.
These new mortgage insurance costs add a 1.75% closing cost, or 1.75 points that are tacked on to the loan, along with another 1.35% added to the monthly payment!
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According to Fannie Mae, the government-sponsored mortgage-lending agency, up to half the people who take out sub-prime loans could qualify for a prime loan, which charges as much as four percentage points less interest, a huge saving over the 30-year life of a mortgage.
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SHARE's balance sheet, at a cost that is three to four percentage points cheaper than it pays for a bank loan.
The bank claims not: it points out that The Money Store's loan portfolio is less risky than it may appear, as most of the business and student loans carry government guarantees.
Look at the mortgage market: The average interest on a 75% loan- to-value mortgage rose 0.5 percentage points between August 2011 and April 2012 and looks sure to rise further as even at these levels banks are struggling to make adequate returns.
Loan servicing is about transaction-processing, not customer service, points out Guy Cecala of Inside Mortgage Finance, a newsletter.
Fewer small firms were falling behind in loan repayments, with delinquencies of 30 days or more down five basis points to 1.5%, and "severe delinquencies" of more than 90 days down 1 basis point to 0.39%, according to the index.
John Mauldin, publisher of an investment newsletter, points out that during America's 1980s savings-and-loan crisis, bottom-fishers could net perfectly good mortgages for 15 cents on the dollar.
Making his first outing for the Rams following a loan spell with Portsmouth, substitute Burton pounced in the 84th minute to claim the points John Gregory's side.
On the 30-year fixed mortgages I was looking at, rates ranged from 4.17% to 4.41% with zero points (an industry euphemism for a commission calculated as a percentage of the loan amount).
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The loan documents said that if McCain lost the New Hampshire primary and finished more than 10 points behind the winner, then he would have to stay in the race and reapply for public funds, which would become the new collateral.
Under the Federal Family Education Loan Program, the government guarantees lenders like Sallie Mae a return of 2.34 percentage points over prevailing rates on commercial paper.
He points out Buffett not only bought 63 papers from Media General, he also extended them a loan.
The two-year loan, secured against AIG's insurance businesses, carries an interest rate of LIBOR plus 850 basis points (hundredths of a percentage point).
He points to the Private Employment Partners Program, a small group of investors set up to provide loan guarantees to growth companies rich in intangible assets.
In particular, the regulator points out that it is perfectly legal and proper for a bank that has lost the original loan agreement, or whose copy is illegible, to supply an accurate "reconstituted" version instead, to show that the agreement did in fact include the information specified by the Act.
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