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32 Resources for

Lender

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Bank Survey Finds Credit Squeeze Set to Intensify: By Christina Fincher and Golnar Motevalli LONDON (Reuters UK) - The credit squeeze for households and businesses looks set to intensify as lenders brace for rising defaults and the economy slows, a survey by the Bank of England showed on Thursday. The findings are bound to...; Tags: Bank, Lender, Housing Market, Survey, Real Estate, Mergers & Acquisitions, Marketing Research, Financial Services; News items 2008-07-03
Resolution Scraps Bradford & Bingley Plan: By Steve Slater LONDON (Reuters UK) - Entrepreneur Clive Cowdery scrapped his plan to inject 400 million pounds into Bradford & Bingley BB on Friday, saying the lender's refusal to open its books made a deal impossible. B&B's shares tumbled 21 percent to close at 63.25...; Tags: Shareholder, Lender, Board, B&B, Corporate Governance, Financial Accounting, HBOS Plc., Prudential Insurance Company of America; News items 2008-06-27
Halifax Latest to Reprice Mortgages: By Jennifer Hill, Personal Finance Correspondent LONDON (Reuters UK) - Mortgage lender Halifax is poised to re-price its mortgage range amid the ongoing fallout from the credit crunch. The banking giant plans to cut the cost of some of its deals, while hiking fixed rates for...; Tags: Lender, Deposit, Rate, Mortgages, Finance, Capital Structures, HBOS Plc.; News items 2008-06-11
Student Loan Business: An Ethical Dilemma in the Credit Crunch: The student loan business is going through a credit crisis, and some of the nation's largest lenders are responding with a new business model that may be sound business but is ethically questionable. Students at the top-tier schools are being taken care of, but those at the...; Tags: William Baker, student loan business; Blog posts 2008-06-03
7 Ways To Look Good To A Lender: Even as interest rates remain at attractive levels, many people looking to start or expand a business venture are having trouble getting a loan. Banks may be pushing great deals on home-equity credit lines and other loan offerings, but they also are being extremely selective about who they lend to....; Tags: Financial services, Financial Planning, Microsoft Corp., interest rate, bank; White papers

How Much Will Your Lender Offer You?: How much can you borrow to pay for your dream home? Input your income and find out.; Tags: Operational accounting, income; Tools & templates 2008-01-01
Pledge Of Shares Of Stock As Collateral Security: Prepare a Pledge of Shares of Stock with this template, under which a borrower pledges to a lender certain shares of stock issued in the name of the borrower, which will be held by the lender as security for a loan.; Tags: Investment, borrower, stock, security; Tools & templates 2007-12-01
Lock That Quote in: Mortgage rates aren't any good if one cannot lock them in. No matter what one is being quoted, if the lender or mortgage broker can't lock those things - the person should beware. There are fees that are sometimes paid to lenders upfront for a long term lock or perhaps...; Tags: Lender; White papers 2006-09-08
A Fresh Look at Overdraft Protection: With the innumerable regulatory issues and fiduciary responsibilities of banks, it is not surprising that management and boards of directors must spend much of their time with issues of compliance, leaving little time to devote to innovation or examining new business models. This is not true, however, of their non-bank...; Tags: Financial services, Strategy, bank, compliance, credit card, board, financial; White papers 2005-09-09
What to Expect in Closing Costs on a Home Purchase: New homeowners are often taken aback by up-front closing costs such as mortgage and title insurance, attorney fees, recording fees and loan points, which can run into the thousands of dollars. But there is no need to be afraid of these charges. With a little background on their purpose and...; Tags: Real estate, EzineArticles.com, title insurance, financial; White papers 2005-02-20
In the Mortgage Industry IT Matters: The home mortgage industry has seen a remarkable boom during which lenders, to capitalize on the opportunity, hired staff to process the flood of incoming applications. But as the economic tide shifts, lenders are weighed down by excesses left over from the mortgage boomùlaying off staff, cutting costs and waiting...; Tags: Mortgages, Leadership, Accenture Ltd., mortgage, high-performance, positioning, information technology, industry; White papers 2004-12-01
In the Mortgage Industry, IT Matters: The home mortgage industry has enjoyed a remarkable boom, but trouble lies ahead. During the inevitable bust, high - performance lenders must maintain a distinctive strategy while maximizing profits in the short term. Leading lenders are positioning themselves to survive and thrive for the long term by employing information technology...; Tags: Performance management, Accenture Ltd., positioning, information technology, performance, strategy, industry; White papers 2004-12-01
Mortgage Pricing Disclosure Rule Poses New Reputational Risk for Lenders: Because of a recent change to the regulation implementing the Home Mortgage Disclosure Act HMDA that took effect on January 1, 2004, lenders are now required to collect and report (by March 1, 2005) pricing information on certain real-estate secured loans. Lenders that view this change as more than just...; Tags: Pricing, Marketing research, Ernst & Young LLP, pricing strategy, litigation, compliance; White papers 2004-10-26
Apply Customer Value Analytics To Boost Your Stock Price: From the executive summary: ‘Lenders, shareholders, and customers provide the money to fund organizational operations. Each of them has a different objective in doing so. While lenders and shareholders seek a risk-adjusted return on capital, customers seek the value-added delivery of products and/or execution of services. Therefore, it is only...; Tags: Financial accounting, Acorn Systems, shareholder, Economic Value Added, stock price, financial, stock, performance; White papers 2004-03-22
Asset-Based And Non-Traditional Lenders Are Leading The M&A Charge: In a free market economy, participants try their best to take advantage of return opportunities. In theory, these opportunities should not survive long in liquid markets. Recently, however, traditional asset-based lenders and emerging sponsor-focused lenders have begun to fill the void with stretch products and senior cash flow offerings. The...; Tags: Asset management, Mergers & Acquisitions, Investment, Thomson Corp., M&A, asset, private equity, financing, theory; White papers 2003-11-17
Private Mortgage Insurance (PMI): New Law Requires Lenders to Cancel PMI: PMI is extra insurance that lenders require from most homebuyers who obtain loans that are more than 80 percent of their new home's value. In other words, buyers with less than a 20 percent down payment are normally required to pay PMI. This article states that every homeowner will want...; Tags: Financial Planning, Federal Reserve Bank, homeowner, insurance, knowledge; White papers 2003-10-16
Why Do Borrowers Pay a Premium to Larger Lenders in Syndicated Loans? Empirical Evidence From Sovereign Debt: All other terms being equal (e.g. seniority), syndicated loan contracts provide larger lending compensations in percentage points to institutions funding larger amounts. This paper explores empirically the motivation for such a price design on a sample of sovereign syndicated loans in the period 1990-1997. The paper finds strong evidence that...; Tags: liquidity, compensation, motivation; White papers 2003-10-01
Why Borrowers Pay Premiums to Larger Lenders: Empirical Evidence From Sovereign Syndicated Loans: This paper explores empirically the motivation for such a price design on a sample of sovereign syndicated loans in the period 1990-1997. All other terms being equal (e.g. seniority), syndicated loan contracts provide larger lending compensations in percentage points to institutions funding larger amounts. There are strong evidence that a...; Tags: liquidity, compensation, motivation; White papers 2003-10-01
Lender Strategies in Bankruptcy Asset Sales: Commercial lenders can use the bankruptcy process to their advantage, particularly when it is necessary to sell the assets of a failing business as a going concern. Commercial lenders often are inclined to think of the bankruptcy process as an unfriendly, alien legal system. This article discusses strategies for commercial...; Tags: Litigation, Asset management, bankruptcy, strategy, asset; White papers 2003-02-09
How Lenders Keep Score: Declaring bankruptcy and entering the witness protection program can have an adverse effect on your credit score. But even little things can have a big impact on how lenders look at you. The article aware that one false move can follow you around for seven years. Here's how your credit...; Tags: Litigation, Motley Fool, bankruptcy; White papers 2003-01-01