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...The effort pertains to JPMorgan’s loan portfolio around products at Chase, its retail business, including mortgages, auto lending and credit card loans, these people said....
...Some households will pay more in rent than they would pay for their mortgage, but can’t qualify for a loan because they fail the stress test....
...The bank said net loans at its retail unit decreased by £1.7bn as more customers paid off their mortgage balances early....
...Higher funding costs can be offset by stronger loan growth. But high rates can also stymie demand for loans....
...On this front, the value of invested assets that Preqin reports is done on a net basis, i.e. after subtracting the amount of any external funding....
...China has made a record cut to a mortgage-linked loan rate as policymakers roll out more targeted support to the country’s ailing property sector....
...It has diversified its investments away from equity-release mortgages to a broader range of infrastructure and real estate projects....
...Isolated from the world’s capital markets, Russian lenders have benefited from a surge in government-subsidised mortgages and corporate lending as the Russian wartime economy fuelled demand for funding....
...At the meeting on Friday, regulators also told state lenders to issue mortgages to home buyers purchasing property from private developers at least at the same pace as they issue mortgages to buyers from...
...Both of the banks you mentioned and all of the regional banks have a lot of fixed-rate mortgage loans on their books. And those loans are not worth anywhere near what they listed as....
...They function as a place for depositors to safely store their cash and obtain other financial services beyond loans....
...JPMorgan Chase, Citigroup and Wells Fargo were all able to charge more on loans while increasing payouts on deposits more slowly....
...Commercial property, and in particular mortgages on office buildings with low occupancy rates, have been a big concern for lenders since the Fed started lifting interest rates....
...All things equal, we suspect that limiting FHLB lending to term funding will mean that future funding shocks could be larger and potentially more widespread as banks chase shrinking market sources of liquidity...
...Take another UK fintech leader Funding Circle, which lends to small and medium-sized businesses, and has recently moved beyond loans into more flexible lending products through its FlexiPay range....
...Barclays and Santander have announced cuts to their mortgage rates, adding to momentum for cheaper UK home loan deals after HSBC and Halifax reduced rates last week....
...US lenders — JPMorgan Chase, Bank of America, Wells Fargo and Citigroup, according to a Bloomberg analysts’ consensus....
...The standard loan term is six to seven months, but interest is only accrued while the loan is outstanding....
...However, funding has also come from private lenders and the commercial mortgage-backed securities sector, often bundled into collateralised loan obligations....
...The acquisition, it added, would give it “access to greater diversity of funding, notably from business deposits”....
...We don’t need green accounts and green mortgages — all mortgages, loans and accounts should be built with sustainability at their core and as part of their loan origination....
...Faltering loan demand and higher funding costs will squeeze banks’ net interest margins....
...Some have suggested that finance could play the role of enforcer by approving long-term loans for retrofit work as part of a mortgage....
...Last year, they generated an estimated $92bn in earnings from credit card loans after taking into account funding costs and loan losses, according to FT calculations based on FDIC data — more than double...
...lowered Asymmetric information: Student loans — Should the Bank of Mum and Dad step in?...
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