Sentences with phrase «of view of the lenders»

The best way to determine that is to take a look at your loan application from the point of view of the lender.

And from the point of view of the lender, approval is less of a risk.

From the point of view of the lender, it's the two years that matters.

Because senior debt has a relatively secure claim, it is less risky from the point of view of the lender and, thus, pays a lower rate of interest compared with debt of the same issuer having a subordinate claim.

From the point of view of the lender, having no track record in repaying loans is the same as providing no proof that the repayments can be relied upon.

Not exact matches

While they may feel like a liability to you as a business owner, receivables serve as a form of hard collateral that a lender ultimately views as an asset on your balance sheet.

«Pockets of risk have begun to emerge» following several years of exceptionally low interest rates that have changed how lenders and borrowers view debt, Morneau told a news conference in Toronto.

In 2001, the Bank of Canada introduced the Financial System Review (FSR) as an outlet for its views on lenders and credit markets.

Other lenders view the lien through the lens of your annual business revenue.

If the IRS views it as a gift because there was no intention to repay it, then the lender becomes subject to the federal gift tax rules and will have to pay taxes on any amount in excess of $ 14,000.

To determine your LTV ratio, the lender views your current mortgage as a percentage of your home's market value.

Lenders are taking an increasingly dim view of retail properties — especially malls — as the growth of e-commerce eats into sales at brick - and - mortar stores.

«Detailed questions regarding foreclosure procedures should be avoided, especially in the early stages of the mortgage application process,» says Rhett Struve, realtor for Keller Williams Premier Realty in Lake Minnetonka, Minn. «Lenders will view this negatively because it displays a potential inability to make the necessary monthly payments.»

A shorter loan term means lower operating expenses and presents less risk from the lender's point of view.

Lenders view loans made to startups as risky, so they typically require some form of collateral and personal guarantee to mitigate that risk.

While every capital raise introduces new relationships, we have built a broad network of contacts with reputable venture capital firms, capital raising groups, mezzanine funds, and senior lenders, many of whom view Croft & Bender as a proprietary source of deal flow for quality middle - market opportunities in the Southeast.

By tapping only well - heeled «accredited» and institutional investors, who are viewed by regulators as less in need of protection when they invest, the peer - to - peer marketplace lenders qualify for the prospectus exemption.

In June, a notice from the Ontario Securities Commission cautioned peer - to - peer lenders that a loan arrangement entered into on their websites «may» constitute a security under provincial regulations, which reinforced the view of players such as Grouplend and Borrowell that they should be sticking with wealthy «prospectus exempt» investors to be on the safe side.

If you're maxing out your credit cards, or carry high balances, then you could carry a higher risk for default, or simply be viewed as an irresponsible spender in the eyes of a lender.

This only creates a sense of incompetency from a lenders view of the broker and leaves a bad taste with the lender.

When lenders are more confident about your ability to pay back the loan, they view lending to you as less of a risk.

Lenders who use Fannie Mae and Freddie Mac guidelines are view second homes as a different category of home purchase.

At the end of the day, no lender will have the same up - close view of your finances that you will.

Before you start comparing lenders, however, it's important to take a 360 - degree view of your options.

CM: It seems shop size, geographic region, and age of business all play roles in how lenders view risk and how these shops use new capital.

The Royal Commission into the Australian financial sector seems to be taking a dim view of the way lenders assess the expenditure of loan applicants.

From the lender's point of view, shorter is better.

They compare the property to nearby recent sales of similar houses — square footage, condition, site (nicer views are worth more), quality of construction, and both desirable and undesirable features that affect the property marketability if the lender has to foreclose and sell.

In general, most lenders view a DTI Ratio of 35 % or less as ideal.

Fitch views the elevated regulatory, legislative and litigation risks, as well as the lack of prudential regulation (no minimum capital requirements) of P2P lenders as constraints that limit potential P2P ratings to below investment grade.»

This will give you an idea of how your credit history will be viewed by lenders.

However, if it's possible for you to make a cash payment when you apply for refinancing, that could improve a lender's view of your LTV.

The more variety in your credit report, the greater the likelihood, at least from lenders» point of view, that you will be fiscally responsible.

He is also unafraid of voicing principled views about what is happening in the sector from land clearing to bringing more capital in from superannuation funds and making sure lenders in the space are properly qualified.

«Lenders must have regard to their own cost of funding from savers, and also from wholesale sources (where LIBOR [London Inter-Bank Offered Rate] is a more relevant indicator of cost than the bank base rate), and the level of margin they are seeking to achieve, as well as their view of how rates may move in the future and how this may affect future pricing.»

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But finding the right lender is where the real challenge lies, one that is willing to take a different view of credit history or low credit scores.

Mortgage rates are typically higher for rental properties as lenders view them as carrying a higher degree of risk.

As with all of the different mortgage products, you can view lender ratings and reviews, find current LendingTree interest rates and combine all of the information into one of their many mortgage calculators or even into an online application.

For borrowers who don't put 20 % down — which is not a requirement — and are viewed by lenders as higher credit risk, mortgage insurers reduce or eliminate losses by providing protection to the lender in the event of a foreclosure.

Industry observers were of the view that some mortgage business might flow to lenders not regulated by OSFI, such as provincially regulated credit unions and alternative lenders including Home Capital.

Before you go shopping for a lender who will refinance your loan, you should probably pull your own credit scores just so you have a good view of how potential lenders will see you financially.

The formation of the alliance shows that lenders are «very interested» in the FHA reform legislation and view the changes as «very valuable to the housing finance system,» said mortgage banking consultant Brian Chappelle.

It's also good to know ahead of time how you may viewed from a lender's standpoint so that you don't apply for a credit card that you more than likely won't get approved for.

I don't believe in the all - encompassing view of central banking espoused by this paper (I'd rather have a gold standard, at least it is neutral), but how much will full employment suffer if most non-bank lenders go away?

But the (perhaps) unintended consequence is that the ever - increasing regulations make it more and more difficult for newer lenders, including those like Wise Loan, who have a different point of view on the right way to lend, to offer its services.

As you apply, keep your figures the same on all applications so you can get a level view of the various lenders and the rates and terms they offer.

When a credit freeze is in place and a lender tries to view your reports as part of the application process, they will only get a code saying your report is frozen.

From the lender's point of view, shorter is better.