Sentences with phrase «tighter credit all»

However, tighter credit regulations and increasing real estate prices may cause some people to continue renting as opposed to entering the housing market.

Refinance applications have more than doubled over the past year, though they're not as high as in previous refinancing booms because it's harder to qualify in the current atmosphere of tighter credit standards, according to the Mortgage Bankers Association.

The premium increase comes on top of a significant hike in mortgage insurance premiums and tighter credit standards enacted late last year and earlier this year.

«Similar to some of the obstacles facing first - time buyers, tighter credit conditions and having less purchasing power than households with dual incomes likely led to the share of single - female buyers declining to its lowest since 2001 (also 15 percent),» noted Dr. Yun.

The number of renters soared over this period thanks to an overhang of student loans and much tighter credit.

Declining municipal revenues and tighter credit may also shift more development emphasis to inner - ring brownfield areas near major cities, suggests Brad Kaplan of Ulmer & Berne LLP in Cincinnati.

The smaller change between the third and fourth quarters of 2001 is most likely due to tighter credit standards associated with the recent downturn in the economy, increased office vacancies and problems in the hospitality industry.

Today, that number is down to 63.4 %.4 While home affordability remains a question for many Americans, the downward trend in homeownership corresponds to banks» tighter credit standards following the Great Recession.

Still, the short - term challenges of tighter credit are real.

«Lenders of credit - card debt, auto loans and mortgages have adopted tighter credit - underwriting criteria in the aftermath of the credit crisis.

«The FHA has recently moved toward tighter credit standards,» said Brousseau.

Some help given to the tighter credit standards but my belief is a huge portion of credit here goes to a more thoughtful and financially prudent consumer.

The decrease is probably due a combination of higher minimum payments on credit cards, which were increased to 4 % from 2 %, lower credit card limits and tighter credit underwriting.

In today's economic climate of tighter credit requirements and increased unemployment rates taking their toll on some Canadians, there's no doubt that many people may not fit into the traditional banks» financing boxes as easily as they may have just a year ago.

Lower volatility and tighter credit spreads make it harder to generate income from selling related options.

You may decide to apply for a new balance transfer credit card, but with tighter credit all around, don't be surprised if your application is rejected.

There are tighter credit score, down payment and costs of borrowing for these programs.

There is a really good reason for tighter credit.

Lenders are willing to give better rates even with tighter credit norms since they are assured that the loan will be paid off by HUD in the event of a foreclosure.

With liquidity sources drying up and tighter credit restrictions affecting consumers, P2P lending has become a great option for borrowers to try out.

Still, given the consumer's heightened sensitivity to tighter credit conditions in this cycle, we expect the Bank to take a very cautious approach towards raising the target overnight rate.

with falling home values and tighter credit requirements, an FHA home loan can provide the flexibility needed by first time buyers or homeowners with little home equity.

Among other things, he recognized the fact that lender uncertainty regarding federal mortgage rules leads to tighter credit standards.

This refinance program provides easy qualifying requirements, and quick closing, but changing FHA guidlines reflect tighter credit requirements across the mortgage lending industry.For all streamline refinance transactions with FHA case numbers issued on or after November 17, 2009 changes in FHA's streamline refinance program include:

While CoreLogic figures typically show a downturn in May, the weaker performance was a consequence of tighter credit rules after banking regulator APRA in March strengthened its policies on lending to investors and worsening housing market sentiment as seen in this month's Westpac Melbourne Institute report, Mr Lawless said.

Overall, as the statements after the past five Board meetings have made clear, the sequence of changes to the cash rate, other adjustments by lenders in response to the rise in term funding costs since mid 2007 and tighter credit standards have combined to produce financial conditions that are tight.

Annual credit growth continues its downward trend, with tighter credit conditions weighing on investor housing credit, while business credit picked up, supporting the rise in March.

Cape Town, South Africa leads the rankings with prime rents up 10.2 % year - on - year, as a shortage of rental stock coupled with the introduction of tighter credit regulations has led to a spike in demand as potential homebuyers find themselves having to look for rental accommodation instead.

But they say there are other problems, particularly around banks» verification of borrowers incomes, scrutiny of appraisals, and other factors that have led to a tighter credit box.

While a jump in interest rates does mean a tighter credit market, there are those who have the potential to benefit from higher rates.

«I think no deal is probably better for the longer - term because it continues this process of rebalancing and there is no rebalancing without pressure and pressure comes through lower oil prices, through tighter credit and we're seeing all of that playing out nicely,» he said.

Lower volatility and tighter credit spreads make it harder to generate income from selling related options.

However, when financial conditions were easing, indicated by tighter credit spreads, the Russell 2000 outperformed by roughly 1 percent a month.

The markets» low - yield environment hit the bank with tighter credit spreads, which were reflected in a $ 567 million pretax debit valuation adjustment loss.

Home prices have continued to decline in this part of the region, influenced by distressed sales and lower demand from the recession and tighter credit standards.

I noted a week ago that Bernanke had essentially eased monetary policy by spurring a loosening of financial conditions via higher stock prices, lower bond yields, tighter credit spreads, and a weakening of the U.S. dollar.

Still, we're in the fifth year of a very weak recovery in which small businesses have been hit hard by tight credit markets, slow sales and limited spending.

Tight credit is forcing small businesses to seek alternative lenders to meet demand for back - to - school merchandise, reports the Wall Street Journal.

«Fiscal consolidation efforts, high unemployment, tight credit conditions and private deleveraging in peripheral countries will put a low cap on economic growth this year and next,» predicted TD economists in their latest outlook.

In the new era of tight credit, folks are extremely unsure of winning approval for a home loan.

Because of the tight credit market, business plans are being more closely scrutinized than ever and banks are looking for specifics before looking at Small Business Administration - backed loans or community bank loans.

Raymond J. Keating, chief economist at the Small Business and Entrepreneurship Council, says the regulations risk choking off an already - tight credit market.

I work for an established (20 + years) small business that is encumbered by the incredibly tight credit market.

Right now, tight credit is holding back the market, and supply is piling up on the developer side as inventory.

As the franchise industry continues to face the challenges brought on by the great recession and tight credit markets those franchisors that achieve continued growth reflect sound franchise systems including these ten franchise opportunities.

A combination of tight credit and stringent lending criteria has created a sizeable, underserved segment of the market that does not have access to growth capital from traditional sources.

The qualification standards for FHA mortgages are generally seen as liberal in a time of tight credit.

By looking at how the credit spread for a category of bonds is changing, you can get an idea of how «cheap» (wide credit spread) or «expensive» (tight credit spread) the market for those bonds is related to historical credit spreads.

Additionally, the FHA loan can «win» during a tight credit environment.

Russia's current significant cyclical headwinds resulted from very tight credit conditions, softened business confidence and other spillovers from intensified geopolitical tension, they said.