Sentences with phrase «rather than bank loans»

When it comes to car loan rates and home interest rates, it's almost always cheaper to get credit union loans rather than bank loans.

Not exact matches

Rather than making fixed interest payments each month, as with a traditional bank loan, the business» repayment amounts fluctuate each month, with ebbs and flows in revenue.

Online lenders may offer flexible loan amounts that are more suited to the needs of startups, rather than the large, long - term loans preferred by banks these days.

«If you're VP of finance, your job is to manage bank loans, rather than book flights on Expedia,» says Lucy.

Though many community banks in this program have, controversially, used this money to pay off TARP rather than lend to small business, Hall says the money will help Team Capital make $ 200 million in loans to local small businesses, and it has enabled it to loan out $ 40 million in the past year.

The process of seller financing is simple: the individual selling the business holds the note for the business loan and the buyer makes payments, with interest, to the seller rather than to a bank.

- bonds lending - In order to prevent securities lending from affecting overnight bank reserves, loans will continue to be collateralized with Treasury bills, notes, and bonds rather than cash.

When using seller financing, the seller holds the right to approve you for the loan rather than the bank.

The debt deal, which came on Friday after about 19 similar summits since the start of the debt crisis (with few results), called for countries that use the euro to allows two European bailout funds to aid European banks directly, rather than make loans to governments to bail out the banks.

Now some banks are competing with the originators by offering cheaper basic housing loans using the telephone, rather than branches, to reach their customers.

Two centuries ago, French followers of Count Henry St. Simon outlined an industrial system that was to be based mainly on equity financing (stocks) rather than debt (bonds and bank loans).

(As an aside, equilibrium means «no tendency to change,» fiat means deriving its value from law rather than some underlying commodity backing, and fractional reserve means that banks hold only a fraction of deposits on reserve, loaning the rest out.).

When a company wants to expand but they lack the funding to do so, rather than getting a loan from the bank, they just sell shares of the company to potential investors.

A corporation borrows funds in its own name, rather than yours personally, although you may still need to personally guarantee the bank that the loan will be repaid.

But since you're taking out a personal loan through a credit union rather than a traditional bank, the financial background check might not be as strict.

Viewing these companies as allies rather than merely as customers from whom to make as large a profit as quickly as possible, German bank officials sat on their boards, and helped expand their business by extending loans to foreign governments on condition that their clients be named the chief suppliers in major public investments.

Peer - to - peer (P2P) lending, also known as crowdlending, is similar to bank loans in that borrowers receive funding and are required to make regular monthly repayments with interest, but the funds are raised through a crowd of investors rather than a bank.

On Wednesday, the bank launched a program to rent out 500 homes to homeowners who are having trouble paying their mortgage, rather than put the loans in foreclosure and kick the owners out.

Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...

It is not difficult to understand why military personnel would seek a military loan, rather than go to a regular bank or lending institution.

Rather than watch their deals go awry, individuals turn to private lenders who can process the loan much faster than banks and credit unions.

At present, the Fed has banks lend to each other through the interbank market; if the Fed paid interest, the Fed funds market could become an explicit market where banks loan money to the Fed, rather than to each other.

While mortgage loan insurance doesn't protect you (it protects the banks, read more here), Genworth and CMHC are often quite proactive in trying to find solutions to help homeowners keep their homes, rather than defaulting.

If a bank offers multiple lending options, you likely can switch to a different type of loan and stay with the bank, rather than starting the process completely from scratch with a new bank, Borich said.

But banks would rather have two people on a loan than one, because there's more people to go after in the case of a default.

If you're considering CitiMortgage for your home loan, it's best to compare it using a formal estimate rather than by relying simply on the bank's limited web tools for mortgages.

Simply put, Private Education Loans are loans to the student which are directly from banks rather than the Department of EducaLoans are loans to the student which are directly from banks rather than the Department of Educaloans to the student which are directly from banks rather than the Department of Education.

But since you're taking out a personal loan through a credit union rather than a traditional bank, the financial background check might not be as strict.

Rather than owning the home, the bank or lender adds a lien in the form of a reverse mortgage loan onto the title so they can eventually collect the amount loaned plus interest.

Private lenders look at equity in a property rather than credit score, allowing them to loan to low credit, insufficient income and other circumstances that wouldn't qualify for a normal bank loan.

Variable rates are not evil in and of themselves; home owners simply get themselves in trouble by focusing only on the low interest rate rather than the plan to actually pay back the loan before the bank raises the rate or the market changes cause an increase in the monthly payments of a home owner.

A peer - to - peer or P2P loan means that you will be borrowing money directly from a person or company, rather than the bank.

Banks will be more willing to loan money to a responsible consumer rather than an unproven business.

[v] By making payday loans, banks hurt these communities financially rather than fulfill their obligations under the Community Reinvestment Act to provide the communities they serve with appropriate financial services.

The major distinction between banks and nonbanks is that nonbanks focus on loans, rather than taking deposit accounts like checking and savings and aren't as tightly regulated as traditional banks.

Typically, it is advisable for those practicing self banking strategies to utilize policy loans rather than outright withdrawals due to the tax issues involved; however, even if a cash withdrawal is used, the result is on par with traditional retirement accounts.

Banks would be required to keep 5 % of some loans, specifically those with less than 20 % down payments, on their books rather than selling them all off as securities.

Mancini recommends that first - time homebuyers try to qualify for a traditional mortgage loan from a bank or credit union, rather than opt for what could be a risky seller - financed offer.

Now, there may be a competition for that capital from the government, and perversely, it might lead to banks using the capital to buy other institutions (PNC has already done it to Nat City), rather than make loans, and on net, I would expect that to result in still fewer loans being made than in the absence of a merger.

This bank has run into a number of problems related to sub-prime loans so rather than continue to pay out the normal dividend and risk running out of cash, the company decided to decrease the amount of dividend.

In spite of the strict terms and rather high rates, people are more attracted to home equity mortgages as they are more flexible than regular bank loans.

Many people would rather take a home equity loan than a bank mortgage due to flexibility.

A private personal loan is an unsecured loan that is issued by a private party rather than a bank, credit union or other formal financial institution.

Banks would rather do conforming loans that they could sell off to Fannie - Mae & Freddie - Mac than do larger loans they had to hold on their weak balance sheets.

Unlike a traditional lender, such as a bank or credit union, LoanMart looks at a customer's equity of their vehicle and their ability to repay the loan and bases their loan / funding amount on this number, rather than a credit score.

Why does the bank not invest their money in the stock market rather than loaning it to people?

In summary, there are now alternative ways of buying a house rather than walking into the bank and requesting a home loan.

By contrast, bank - loan ETFs and high - yield ETFs have the potential to be less liquid in comparison because these investments are inherently less liquid than stocks, and they trade over the counter (OTC) rather than on stock exchanges.

«Banks or credit unions that retain some of their loans rather than sell them might be more willing,» said Fleming.

Why should I have to pay another $ 160K + + in interest (or twice as much as this if I pay out over 10 - 20 years), if I have already more than paid off the original loan??! Yet, we bailed out the banks, just handing them $ 600B +, rather than pay off all consumer rating (credit cards), mortgages in arrears, and student loans... which would have reset the economy and stimulated buying again!