Sentences with phrase «loan on one's books»

Lenders also don't like to keep bad loans on their books.

In part, the change is occurring because lenders don't want to hold loans on their books for the longer period it takes to create more complex combinations.

The third reason banks aren't lending is because they have billions of commercial loans on their books at prices they know don't reflect the actual worth of those loans.

Building societies generally keep mortgage loans on their books once they make them.

Neither REIT stocks nor carrying values for loans on the books of banks reflect this yet.

That's begun showing up in data reports from large banks as an increased probability of more troubled loans on their books, he said.

The reason for this was that individual lenders were being punished for having bad loans on their books.

Since they must carry that loan until it is paid off they have to charge higher mortgage rates on these loans to offset their cost to carry the mortgage loans on their books.

It's the most indebted oil firm in the world, carrying a staggering $ 50 billion in loans on its books.

Italy's banking sector appears to have turned the corner and is making progress in dealing with the large non-performing loans on its books.

Most lenders do not want to put 15 or 30 year fixed rate loans on their books because they can not collect fixed rate deposits or other borrowing sources with 15 - 30 year maturities.

Axiell, one of the library sector's largest technology companies, has joined forces with Swedish publishing platform Publit to create Atingo, an ebook loan management platform that brings publishers and libraries together to easily negotiate loans on a book - by - book basis.

That means any bank making a loan in Toronto or Vancouver where so many places go for over $ 1M is going to have to keep that jumbo loan on their books.

Once again, while banks are sufficiently capitalized to retain loans on their books, smaller lenders are not and thus would need to increase mortgage lending rates to offset additional risk, thus increasing costs to consumers.

Richard X. Bove, an analyst with Punk, Ziegel & Co., called the plan «yet another idea to drive funds away from the markets,» adding that «the concept of forcing banks to keep bad loans on their books violates every precept of regulation in American banking.»

Banks may still have a lot of bad commercial loans on their books, but smart real estate professionals shouldn't be shy about capitalizing on them.

Needham, like Preferred, is a significant commercial real estate lender with more than $ 400 million of CRE - related loans on its books.

«The lending community doesn't really have tremendous appetite for putting construction loans on their books right now, whether the fundamentals support it or not,» says Greg Kraus, senior director of acquisitions at Dallas - based Invesco Real Estate.

Because of the vast number of problem loans on their books, some lenders want appraisers to value troubled assets at unreasonably low levels in order to serve their agendas of «dumping» troubled assets at fire - sale prices.

As of June 30, 2008, the bank held $ 118.9 billion in single - family loans on its books, including $ 52.9 billion in payment option adjustable rate mortgages and $ 16.1 billion in subprime mortgage loans.

The Federal Housing Finance Agency, which regulates Freddie Mac and Washington - based Fannie Mae, is requiring the companies to reduce the number of severely delinquent loans on their books this year.

The GSEs are not portfolio investors, in other words they do not hole the whole loan on their book, they securitize it.

Banks were bailed out in full following the crisis, and now that they are worried about loaning into this market and holding loans on their books, referring to loans which would not be guaranteed by either of the GSE's.

Fannie Mae and Freddie Mac, under government conservatorship since the 2008 financial crisis, had about $ 320 billion in loans on their books that were nonperforming or re-performing after missed payments as of June 30, according to regulatory filings, some of which could come to market as prices for soured mortgages rise.

It doesn't do them any good to have a non-performing loan on their books, which is the terminology used to describe a homeowner who is not paying his or her mortgage.

While most of the larger banks sell all of their loans to Fannie Mae and Freddie Mac, smaller regional and community banks and credit unions often keep at least some of their mortgage loans on their books.

The Minority in Parliament has said Vice President Mahamudu Bawumia revealed classified information to the public when warned in 2016 that eight banks in Ghana risked collapse due to the continuous hikes of bad loans on their books and the fragile economy.

The consensus, though, is now leaning toward scrapping that requirement and allowing issuers of mortgage - backed securities to retain no portion of the loans on their books even in the case of mortgages with very small downpayments.

«The same goes for buyers with a loan on the books vs. some other form of payout, like a profit - sharing agreement.»

(Banks count the loans on their books as assets.)

For his part, he says the company has a vested interest in making good loans, as it holds 50 percent of its loans on the books.

TD Bank keeps these loans on its books, as opposed to selling them into the secondary market where insurance would be required.

This would have resulted whether the money was borrowed from public savers (internationally or at home), created by private banks as credit (loans on their books) or printed by the government itself.

Not surprisingly, lenders prefer to take their chances with their own solutions, for example, instituting repayment plans alllowing borrowers to catch up their arreages over time and leaving the loans on the books at full value.

Lenders that extend a jumbo mortgage product to the marketplace don't have a place to sell that loan, they must keep that loan on their books.

Just remember, the longer it takes a lender to produce a payoff letter, the more time they can keep your loan on their books and continue to collect interest, so keep following up until it's received.

TD Bank keeps these loans on its books, as opposed to selling them into the secondary market where insurance would be required.

They must keep the loan on their books.

They couldn't write nearly as many mortgages if they had to keep those loans on their books and wait for the mortgage payments to come trickling in.

However, if a lender gives out a jumbo mortgage, they must keep that loan on their books because, as a nonconforming loan, Fannie and Freddie can't touch it.

Last week we discussed government mortgage giants Fannie Mae and Freddie Mac's attempts to force loan originators to buyback some of the bad loans on their books.

Because lenders didn't have to keep the loans on their books, he said, they weren't too worried about the risk of losses.

The company also doesn't have any loans on its books, neither by me nor a bank.

But their first priority is to keep that loan on the books, and to keep it current.