Sentences with phrase «losses on any of the loans»

If there are losses on any of the loans, the losses are absorbed and the investor still has a very high likelihood of getting their 10 % return.

Not exact matches

The firm's mortgage investment corporation has about 2,400 such loans in its portfolio, with an average size of $ 85,000, and says it maintained a $ 4.3 - million loan loss provision on a $ 214 - million portfolio last year.

By comparison, a stress test on America's largest banks in 2009 found that in a worst - case scenario, losses at the 19 banks would hit 9.1 % of their loan portfolio, although, admittedly, many believe in reality it was far higher.

Banco Espirito Santo's collapse came after it unveiled losses on loans made to an assortment of companies run by its founding family.

The small - business committees still fume about the loss of the LowDoc program, a variation on the 7 (a) that catered to less established borrowers with smaller loans.

The negative consequences of pushing more debt on households is also obvious: more loans become uncollectible and go into default, creating more loan losses for banks.

An outspoken critic of Europe's central banks recently, Falkengren has focused on building capital buffers in case of unexpected losses — and, for retail clients, limiting their exposure to risky loans.

However, the quarter was the first to reflect a new accounting standard that puts a greater emphasis on a banks» expected losses over the life of the loan.

The ranking was based on five factors: Tier 1 capital compared with risk - weighted assets; nonperforming assets against total assets; loan - loss reserves to nonperforming assets; deposits to funding; and efficiency, a measure of costs to revenue.

«If there are any negative effects of low rates on net interest income in the future, they should be largely offset by the positive effects of monetary stimulus on the other main components of profitability, such as the quality of loans and therefore on loan - loss provisions,» Draghi added.

A 2012 PCAOB inspection report of KPMG deficiencies cited its failures to question management judgment, including failure to test management's assumptions on loan loss reserves.

They didn't do their due diligence in lending, and the German and French taxpayers are being fleeced by way of Greece to keep them whole, when they should be accepting the losses on loans they never should have made, and moved on.

Achievement of these goals was considered by the HRC as very challenging, even aggressive, given the expected modest economic growth for 2007 for the financial services industry, the impact and duration of the on - going flat / inverted yield curve (meaning short - term interest rates that are virtually equal to or exceed long - term interest rates, thus lowering profit margins for financial services companies that borrow cash at short - term rates and lend at long - term rates), potentially higher credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.

The more immediate consequence may be the loss of benefits on your loans, like interest rate discounts.

It should be noted that a big part of the increase in Synovus is due to its shrinking provision for loan losses (what it expects to lose on the loans it makes); however, the bank did see its expenses fall by $ 50 million over the first nine months of the year and, in 2012, it actually realized a benefit of $ 2 million from taxes versus an expense of $ 72 million in 2013.

This does not necessarily mean the position will result in a loss; in the vast majority of cases (90 % +), these loans go on to successfully repay in full.

Partly as a result of the lower arrears rate on the Australian non-conforming loans, «buy - and - hold» investors have suffered very few losses on securities backed by the Australian non-conforming loans.

With the creation of the G.I. Bill that year, the VA Home Loan Guaranty program was established, which guaranteed lenders against loss on mortgage loans made to veterans.

JPMC received more than $ 2.7 million in fees on the offering and investors suffered losses of at least $ 37 million on undisclosed delinquent loans.

At the same time, it is not out of the question that we may be quietly allowing U.S. banks to go insolvent without disclosure, covering the losses over time out of wide interest spreads on existing loans, and that we may be able to avoid outward evidence of mortgage deterioration simply by allowing the Treasury to go further and further into deficit on behalf of the GSEs.

The administration's program attempts to help these financial firms by guaranteeing losses on SBA loans and reducing the fees they pay to provide this type of debt.

For example, if a borrower defaults on their mortgage, Fannie and Freddie are responsible for the losses on the loans they guarantee to investors, while Ginnie Mae is financially responsible for the bond payments to the holders of Ginnie Mae securities.

Among them are the rights to: bullet joint parenting; bullet joint adoption; bullet joint foster care, custody, and visitation (including non-biological parents); bullet status as next - of - kin for hospital visits and medical decisions where one partner is too ill to be competent; bullet joint insurance policies for home, auto and health; bullet dissolution and divorce protections such as community property and child support; bullet immigration and residency for partners from other countries; bullet inheritance automatically in the absence of a will; bullet joint leases with automatic renewal rights in the event one partner dies or leaves the house or apartment; bullet inheritance of jointly - owned real and personal property through the right of survivorship (which avoids the time and expense and taxes in probate); bullet benefits such as annuities, pension plans, Social Security, and Medicare; bullet spousal exemptions to property tax increases upon the death of one partner who is a co-owner of the home; bullet veterans» discounts on medical care, education, and home loans; joint filing of tax returns; bullet joint filing of customs claims when traveling; bullet wrongful death benefits for a surviving partner and children; bullet bereavement or sick leave to care for a partner or child; bullet decision - making power with respect to whether a deceased partner will be cremated or not and where to bury him or her; bullet crime victims» recovery benefits; bullet loss of consortium tort benefits; bullet domestic violence protection orders; bullet judicial protections and evidentiary immunity; bullet and more...

The only change is that now the extrinsic title of loss can be assumed to exist on loans.

However the company argued that at a comparable operating level (ie without the effect of the volatile exchange rate) operating profit was up 15 % to # 851,000, but it was non-operating exchange losses on long term loans and new hedging contracts taken out shortly before the end year that had hit this figures, after resulting in charges of over # 450k.

Sanogo, Akpom, Silva, Miyaichi, Campbell, for me Miyaichi Campbell should be sold best for both parties and Sanogo and Akpom should be loaned, although am leaning towards cutting losses on Sanogo as it is a valuable place within our team... not sure what to make of Siva and doubt that he would get as much game time as Gnabry might.

Once again I reckon Martinez will end up going out on loan for the duration of the season, but surely there's a point where The Gunners and Martinez will have to cut the losses between them and part ways.

Sanogo spent the second half of last season on - loan at fellow London side Crystal Palace, however, a combination of injuries and a loss of form limited him to just three starts under manager Alan Pardew and the 22 - year - old is remarkably yet to score a Premier League goal for either club.

On loan Arsenal Nigerian midfielder Kelechi Nwakali scored his second goal of the season despite MVV Maastricht slipping to a 2 - 1 loss away to Den Bosch.

The Disaster Relief Loan Fund will provide loans from $ 5,000 to $ 500,000 to help businesses recover from losses incurred during the storm that dumped upward of 7 feet of snow on some parts of the Buffalo Niagara region.

We offer extended service contracts on all carsranging from 3 months / 4500 miles to 48 months / 50000 miles.service contracts may be purchased and financed within the car loan or paid for in full outside of the car loan.guaranteed asset protection (gap) Coverage is also available to cover the difference between an insurance settlement and the remaining loan due in the event of total loss of the vehicle.off site pre-purchase inspections are available with in 5 miles range from our dealership as long the check up it is not performed by any franchise dealers.

Branches make up about 40 - 60 % of the operating costs of most banks, and coupled with the low interest rates on loans, this means that offering anything over the bare minimum amount of interest means that your bank is operating at a loss.

The FHA has said its «blueprint» for evaluating underwriting defects should reduce lenders» fears of having to indemnify the agency for losses on loans to riskier borrowers.

Mortgage insurance is the first level of credit protection against the risk of loss on a mortgage in the event a borrower is not able to repay the loan and there is not sufficient equity in the home to cover the amount owed.

Gupta talked about the enhanced reliability and higher capital standards for MI, and how deeper MI coverage on GSE loans would almost double the amount of loss protection for the GSEs and taxpayers

Be aware, however, there are few problems on consolidation — for instance, loss of the grace period or the high cost of extended repayment — that you should take into account when considering a government consolidation loan.

Guaranteed Asset Protection (GAP) with Auto Advantage covers the difference between the cash value of your vehicle at the time of theft or total loss and what you actually owe on your loan.

Since investors» money and risk of loss is directly tied to an individual borrower, it could present the borrower with an unsafe situation if they were to default on a loan with their identity or personal details known.

Gap insurance ensures that you're covered for the difference between what you owe on your car lease or loan and what your car is worth at the time of a total loss.

The company that sold of the debt, does write off the loan [and books loss on balance sheet].

Sell all of the loans / bonds off to an entity with a stronger balance sheet, and realize a loss on the deal.

Take advantage of the smaller monthly minimum payment on your federal loans by using any extra cash to pay off your private loans more quickly, since if something were to happen, like unexpected job loss, you have more options available to you with your federal loans, no matter who is servicing the loan.

Enforcing its lending requirements more rigorously helps FHA reduce the risk of mortgage foreclosures and prevents additional drain on FHA funds used for reimbursing lenders for losses connected with mortgage loan delinquencies.

Holding FHA approved lenders accountable by requiring lenders to reimburse FHA for losses on bad loans provides both preventative and remedial enforcement of FHA guidelines and lending requirements.

I paid on my student loans for over 11 years (67k) after having the loans consolidated after the loss of my Dad where I had a to have a forbearance.

Many loans are in default due to job loss, lack of disposable income, and skyrocketing penalties and fees on the loans themselves.

And as with any situation in which a lender takes a loss on a loan, these consumers have paid an additional cost in the form of derogatory credit.

The VA home loan guarantee is a promise the lender will be compensated 25 percent on the loss of a defaulted loan as long as the VA can verify the lender approved the loan using standard VA guidelines.

They do this to cushion themselves from losses but given the vastness of Ontario, you might find a lender offering loans at ideal rates depending on your situation.

So, your GAP provider covers your $ 1,000 deductible and takes care of the $ 2,510 you still owe on your loan, protecting you from having to pay out - of - pocket or roll any negative equity into your next car loan to cover your losses.