Sentences with phrase «lending standards have»

Although lending standards have recently eased, higher down payments are more common than they were before the Great Recession.

Tightening lending standards have disproportionately reduced applications and originations among minority households since the housing peak.

While lending standards have remained relatively unchanged since the second quarter of 2010, bank respondents have indicated that demand for prime residential mortgages is growing, on net.

Overly stringent lending standards have continued to limit the availability of affordable mortgage financing for credit worthy consumers.

Lifehacker reminds would - be investors that lending standards have tightened, often making access to cash or good credit a prerequisite to purchasing property.

Mortgage lending standards have been tight in the wake of the Great Recession.

Mortgage lending standards have eased over the last year or so, which is good news for home buyers.

While lending standards have remained relatively unchanged since the second quarter of 2010, banks noted that demand for prime residential mortgages is growing.

You should also be aware that lending standards have changed in recent years.

Although commercial real estate markets showed signs of recovery in 2011, commercial lending standards have tightened in the past year for small businesses and scuttled a major portion of contracted transactions for smaller properties, according to the National Association of Realtors ® annual Commercial Real Estate 2012 Lending Survey.

Overly stringent lending standards have continued to limit the availability of affordable mortgage financing for credit - worthy consumers.

For some, this came as bank lending standards have become stricter and a smaller inventory for potential buyers has given those paying with cash an advantage said Daren Blomquist, a RealtyTrac vice president.

Regarding the fall in mortgage rates, that's a good thing for financials, except that lending standards have tightened.

While lending standards have tightened and many commercial lenders are out of the game or just starting to return, apartment buildings have an ace up their sleeve when it comes to financing: Freddie and Fannie.

Actually, lending standards have been loosening for the last three years, and you may find it easier to get a mortgage than you think.

Property loans have become more challenging to qualify for in recent years, as lending standards have significantly tightened.

The general impression is that tougher lending standards have made mortgages scarce, and indeed, the number of existing home sales continued to slip in August.

Lower home values, high unemployment and tougher lending standards all have put the brakes on the my - house - is - a-piggy-bank mentality that swept America before the housing downturn.

Since the crisis, mortgage lending standards have been developed and banks are less highly leveraged and carry more capital, she said.

Notably, government budget cuts and tight lending standards have restricted spending, hurting construction markets that are responsible for 25 % of Europe's total consumption.

Mortgage lending standards have eased over the last year or so, which is good news for home buyers.

In the process, lending standards have been progressively eroded so that lenders are now engaging in practices that would have been regarded as out of the question five or ten years ago.

The simple dynamics of supply and demand manifested themselves, and over time lending standards have loosened, and some of the troublesome practices of years ago, such as PIK toggles, have made a comeback.

Assuming that lending standards would rise in a tightened market, lenders would be even less likely to extend credit to no - file or thin - file consumers, no matter how creditworthy those consumers might actually be.

In the second quarter, a net share of 30.7 % of survey respondents said that lending standards had eased.

RMBS investors did not understand how far mortgage lending standards had deteriorated.

According to the Fed's October 2007 Senior Loan Officer Opinion Survey on Bank Lending Practices, the study found that «significant numbers of domestic respondents reported that they had tightened their lending standards on prime, nontraditional, and subprime residential mortgages over the past three months; the remaining respondents indicated that their lending standards had remained basically unchanged.

According to the latest Senior Loan Officer Opinion Survey on Bank Lending Practices, «significant numbers of domestic respondents reported that they had tightened their lending standards on prime, nontraditional, and subprime residential mortgages over the past three months; the remaining respondents noted that their lending standards had remained basically unchanged.

««Meanwhile, we are beginning to see early signs that some post-recession loan vintages are defaulting at a slightly elevated rate, a sign that some loosening of lending standards has occurred in recent years.

Not exact matches

In February, Flaherty accused some financial institutions (he didn't identify which) as having unduly relaxed their lending standards.

A tightening of bank lending standards and a drying up of the home - equity - loan market in the post-financial crisis era have made small business credit less available than it used to be.

In a statement, the lender said it has published its own set of core principles for lending, and said it was «continuing to review and consider the best way to advance comprehensive industry - standards that take into account the full range of responsible credit products that serve small businesses.»)

The bank had few bad loans, as it managed to maintain comparatively strong lending standards that kept it out of the worst of the crisis and allowed it to acquire the troubled Wachovia.

Egged on by low interest rates and lax lending standards, they've acquired massive debt — 165 % of their disposable incomes, on average.

Following the housing crash in 2007, recovery in the market has been uneven, with many buyers held back by stricter lending standards.

SoFi: «If you have the highest loan growth volume you probably have the loosest lending standard.»

«These responses would appear consistent with our prior thesis that easy lending standards, rising consumer inequality and too much liquidity have resulted in too much capital chasing too few creditworthy borrowers,» the note said.

That may explain why some banks have loosened lending standards, as the Fed's latest bank lending survey shows.

They appear to have forgotten their knowing plunge into the world of relaxed and untested lending standards.»

As tight lending standards continue to lock many would - be buyers out of the market, one company plans to crack open the door to homeownership by providing crowdfunded down payment assistance from investors in exchange for a slice of a buyer's home equity.

Many lenders have eased their requirements for auto loans, for example, says Roberts, though lending standards remain far higher than during the 2005 - 06 peak of the credit bubble.

The lending standards on equipment financing can be less strict because your equipment will be used as collateral for the loan — in other words, if you default, the bank has the right to seize your equipment to cover the cost of their lost money.

Banks have strict small business lending standards, and what they offer is generally only available to established businesses.

We have not seen significant funding problems for US or UK banks recently; their problems at present seem to relate more to the possible size of legal costs arising from pre-crisis lending standards.

Some borrowers may have preferred to extend their interest - only periods but may not have qualified in light of the tighter lending standards.

Little - understood is that the Fed has vast powers over how the financial system works — credit standards, check - clearing systems, community lending.

This form of lending is concerning for three main reasons: Like storefront payday lending, auto - title lending carries a triple digit APR, has a short payback schedule, and relies on few underwriting standards; the loans are often for larger amounts than traditional storefront payday loans; and auto - title lending is inherently problematic because borrowers are using the titles to their automobiles as collateral, risking repossession in the case of default.

Indeed, the prudential supervisor has been minded recently to issue some timely warnings about the need to maintain sound lending standards.

APRA may have taken its investor lending cap away, but UBS» big downgrade of Westpac shows the pressure on banks to lift lending standards remains.

Ultimately B.C.'s new tax will likely fail to cool the overheated market for the same reason every other effort to date — tighter mortgage lending standards, larger down - payment requirements, jawboning bordering on pleading from the Bank of Canada — has failed.