!: Business Credit Loan Answer: November 2011

Thursday, November 24, 2011

Alex Jones: NIA's COLLEGE CONSPIRACY 2/5

!: Alex Jones: NIA's COLLEGE CONSPIRACY 2/5

College Conspiracy is the most comprehensive documentary ever produced about higher education in the US The film exposes the facts and truth about America's college education system. 'College Conspiracy' was produced over a six-month period by NIA's team of expert Austrian economists with the help of thousands of NIA members who contributed their ideas and personal stories for the film. NIA believes the US college education system is a scam that turns vulnerable young Americans into debt slaves for life. NIA tracks price inflation in all US industries and there is no industry that has seen more consistent price inflation this decade than college education. After the burst of the Real Estate bubble, student loans are now the easiest loan to receive in the US, and total student loan debts now exceed credit card debts. The government gives out easy student loans to anybody, regardless of grades, credit history, what they are majoring in, and what their job prospects are. NIA believes it is illegal for the US government to be in the student loan business because the US constitution doesn't authorize it. Just like how the US government created Fannie Mae and Freddie Mac to make housing affordable, but instead drove housing prices through the roof; the US government, by trying to make college more affordable, is accomplishing the exact opposite and driving tuition prices to astronomical levels that provide a negative return on investment. The US has been experiencing 5.15 ...

Alex Jones: NIA's COLLEGE CONSPIRACY 2/5

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Saturday, November 19, 2011

Real Estate Loans & Credit Lines in the US - Industry Risk Rating Report

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This Industry Risk Ratings report from IBISWorld evaluates the inherent risks associated with the Real Estate Loans & Credit Lines in the US industry. Industry Risk is assumed to be 'the difficulty, or otherwise, of the business operating environment'.

The report looks at the operational risk associated with this industry. Three types of risk are recognized in our analysis. These are: risk arising from within the industry itself (structural risk), risks arising from the expected future performance of the industry (growth risk) and risk arising from forces external to the industry (external sensitivity risk).

This approach is new in that it analyses non-financial information surrounding each industry. Industries are scored on a 9-point scale, where 1 represents the lowest risk and 9 the highest. The Industry Risk score measures expected Industry Risk over the coming 12-18 months.

Industry Definition

The industry is comprised of non-depository enterprises that specialize in lending activity. However, unlike banks and other traditional lenders industry participants do not rely on deposits to issue loans. Instead, non-depository firms’ provide lending by selling securities (i.e. bonds, notes, stock) or insurance policies to the public. In addition to direct lending, participants also generate income by securitizing and selling mortgages and other loans on the secondary market.

Report Contents

Risk Overview

The Risk Overview chapter includes sections on Industry Definition and Activities, Industry Risk Score and Risk Rating Analysis. The Industry Definition and Activities section provides a detailed definition of the activities carried out by operators in this industry as defined in NAICS. A list of the primary activities of the industry is also included. The Industry Risk Score section provides the Overall Industry Risk Score as well as the Risk Scores for each of the three types of risk covered that combine to form the Overall Industry Risk Score. These three types of risk are Structural Risk, Growth Risk and External Sensitivity Risk. The Risk Rating Analysis section discusses the underlying factors contributing to the Overall Industry Risk Score.

Structural Risk

The Structural Risk chapter looks at risk arising from within the industry itself and provides a detailed discussion of the industry level of exposure to seven key indicators. These key indicators are Barriers to Entry, Competition, Industry Exports, Industry Imports, Level of Assistance, Life Cycle Stage and Volatility of Industry. The Overall Structural Risk Score is a weighted aggregation of these seven key indicators. Each of the key indicators is discussed in detail in this section.

Growth Risk

The Growth Risk chapter looks at risks arising from the expected future performance of the industry. The Overall Growth Risk Score is determined by amalgamating the scores for Recent Industry Growth and Forecast Industry Growth. Detailed analysis is provided discussing the reasons for the growth scores of both.

Sensitivity Risk

The Sensitivity Risk chapter looks at risks arising from forces (sensitivities) external to the industry. The Overall External Sensitivity Risk Score is determined by identifying the most significant (up to 6) external factors and weighting them to represent how significant each sensitivity is to the performance of the industry. Examples of External Sensitivities are Exchange Rates, Interest Rates, Commodity Prices and Government Regulations. There is also a detailed analysis of the affect each of the sensitivities has on the industry, including charts and data tables where appropriate.

Industry Risk and Industry Risk Scoring Methodology

This chapter provides an overview of how IBISWorld defines Industry Risk and discusses the methodology used to arrive at an Industry Risk Score. There is also a table that provides a definition of the seven levels of Industry Risk.

52229 - Real Estate Loans & Credit Lines in the US
52211 - Commercial Banking in the US
52212 - Savings Banks & Thrifts in the US
52213 - Credit Unions in the US

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Monday, November 14, 2011

Credit Risk Management in the Automotive Industry: Structuring of loan and lease securitizations as integrative solution

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One of the reasons for the expected increase in the number and volume of German asset-backed securities (ABS) transactions is the True-Sale Initiative fostered by the Kreditanstalt für Wiederaufbau.

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Friday, November 4, 2011

Home Loans for Those With Bad Credit and Low Income

!: Home Loans for Those With Bad Credit and Low Income

A low income coupled with a bad credit history does not necessarily make you ineligible for a home loan. After attending to some newly enacted legal legislation and regulations, many traditional financial institutions such as banks and credit unions, and other lenders as well, have been able to increase the number of bad credit home loans to many people.

Steady Employment and Salary Requirements

Most often, because it is indeed a different way of life, loans for folks with bad credit and low incomes are more often used in rural communities. In rural communities incomes are apt to be lower and many folks have not really had an opportunity to establish a credit rating of any kind. So, most often when the terms bad credit are used, it really means no credit history. Loan amounts are based on the salary of individuals and he or she must meet certain income limits and have steady and reliable employment.

Closing Costs and Down Payments

For most bad credit home loan borrowers, the biggest obstacle seems to be coming up with down payments and closing costs. Closing costs are primarily administrative fees that go toward paying for title and deed searches to ensure there are no other owners of the property, as well as for processing documents, transaction fees, and also for legal costs. Down payments are often required to ensure that the borrower has a stake in retaining the property and making payments. They also lower the actual cost of the mortgage. The closing costs are often an amount fixed by the lender and can be rather low. Many lenders do not require a down payment.

Bad Credit and Low Income Home Loans Can Differ

Bad credit and low income home loans can differ in a number of ways. As a rule, the financial circumstances of low income folks seem to be in a constant state of fluctuation. And, the risk of default is inordinately high. In an effort to make financial requirements easier on low income folks and to match their weekly pay days, some lenders have set up recompense terms that offer weekly payments.

Submitting Applications for Low Income Bad Credit Home Loans

Individuals interested in obtaining a bad credit low income home loan, should submit applications that clearly state their financial situation and their needs. Lenders also like to see an explanation for poor or no credit reports. The borrower should be quite explicit as to what happened, or did not happen, to bring their credit scores to the present state. Lenders also want to see a plan for repaying the loan, what sacrifices the borrower might be willing to make to own their own home.

Online Lenders Willing to Make Low Income Bad Credit Home Loans

A good many traditional lenders and non-bank lenders are will to provide home loans to low income poor credit folks. Many will offer low interest rates and will ask for only low down payments, or none. Indeed, some lenders actually specialize in these loans. Interested individuals should go online to avail themselves of lenders willing to finance them. Brokers can take general information and provide a list of lenders willing to finance based on the information given. Low income bad credit home loans are available.