| 单词 | borrower |
| 释义 | borrower (bɒroʊəʳ ) Word forms: borrowers countable noun B1+ A borrower is a person or organization that borrows money. Borrowers and owners pay a subscription to access the service. Collocations: borrower defaults Mortgage insurance pays a bank when a borrower defaults. Globe and Mail However, the virus crisis could damage their capital cushions if it leads to widespread borrower defaults. Times,Sunday Times For now, banks look well capitalised, but the expected deep recession could lead to a flood of costly borrower defaults. Times,Sunday Times The type determines the return and what happens if the borrower defaults. Times, Sunday Times Only when a borrower defaults will the guarantee apply. Times, Sunday Times The borrower pays a punitive interest rate of 24% a year or more. Times, Sunday Times Short-dated corporate bonds have less time until they reach maturity and the borrower pays back the loan. Times, Sunday Times Prepayment of the loan when the borrower pays the loan back before it reaches term may incur penalties, depending on the program. Retrieved from Wikipedia CC BY-SA 3.0 For the first six months, the borrower pays the bank 6% annual interest: in this simplified case $1,500 for six months. Retrieved from Wikipedia CC BY-SA 3.0 If the borrower pays off the loan early, this method maximizes the amount paid by applying funds to interest before principal. Retrieved from Wikipedia CC BY-SA 3.0 If the property falls in value, the borrower repays the original loan, minus 20 per cent of the price drop. Times, Sunday Times The borrower repays 20 per cent of the sale price. Times, Sunday Times Therefore, they typically impose a penalty if the borrower repays the loan earlier than planned in order to ensure that at least some of these costs are recouped. Retrieved from Wikipedia CC BY-SA 3.0 If the borrower defaults and the lender tries to repossess the property, courts of equity can grant the borrower the equitable right of redemption if the borrower repays the debt. Retrieved from Wikipedia CC BY-SA 3.0 Corporate borrowers are also taking matters into their own hands, trying to get as much credit from banks as possible. Times,Sunday Times But what seemed like a prudent measure came back to bite, amid concerns that corporate borrowers would be unable to service their debts. Times, Sunday Times They acted on behalf of investors and corporate borrowers, who took the risk and made the returns or losses. Times, Sunday Times The watchdog fears lending banks, in their quest for easy fees, are improperly putting pressure on corporate borrowers to use them for equity-raising services. Times,Sunday Times Then the corporate borrowers fold, with their liabilities strictly limited by law. Times, Sunday Times The bigger banks had cornered the market in offering creditworthy borrowers the best value deals. Times, Sunday Times Lenders are trying to broaden the data they take into consideration on credit decisions to ensure they are not turning down creditworthy borrowers. Times, Sunday Times The traditional business of lending money against the security of valuables has grown strongly as less creditworthy borrowers have struggled to get loans elsewhere. Times, Sunday Times In a bitter recession even very low interest rates may not attract creditworthy borrowers. Times, Sunday Times Other banks refuse to trade with it, and become so concerned about shoes yet to drop they refuse to lend to even creditworthy borrowers. Times, Sunday Times There are already 850,000 interest-only borrowers with loans worth more than 75% of their property's value. Times, Sunday Times A number have sections on their websites dedicated to interest-only borrowers and some have even based their domain name on the potential scandal. Times, Sunday Times Half the 600,000 interest-only borrowers with deals maturing in the next seven years will not have a shortfall. Times, Sunday Times Lenders are also clamping down on interest-only mortgages for new borrowers and are moving existing interest-only borrowers onto repayment loans when they remortgage. Times, Sunday Times The majority of interest-only borrowers are relying on house price rises to repay their mortgage debt at the end of their home-loan term, new research revealed this week. Times, Sunday Times The overwhelming majority of credit card customers and loan borrowers were, he said, repaying on time. Times, Sunday Times The research indicates that pay-day loan borrowers tend to be repeat customers, taking an average of 3.5 loans a year. Times, Sunday Times The companies are not breaching any regulations by promoting equity release in this way, but to take out a loan borrowers have to take financial advice. Times,Sunday Times A voluntary code aimed at protecting vulnerable payday loan borrowers came into force this week. Times, Sunday Times There were around 37 million student loan borrowers with outstanding student loans in 2013. Retrieved from Wikipedia CC BY-SA 3.0 The latest problem was in the handling of retentions - amounts withheld for six months from a mortgage borrower pending repairs to their home. Times, Sunday Times In some states, lenders can foreclose quickly on delinquent mortgage borrowers. Houston Chronicle Take some consolation also from the fact that 4.7 million mortgage borrowers with tracker and variable rate deals will benefit from the base rate cut. Times, Sunday Times Meanwhile, about 4.2 million mortgage borrowers who have base rate tracker loans have benefited from successive cuts in the base rate. Times, Sunday Times This would add about 3,600 a year in interest to a typical mortgage borrower's payments. Times, Sunday Times The mortgages offered by other banks to the same potential borrower were significantly lower. Times, Sunday Times Bankers believe that its most likely response today will be to spell out the interest rate stress tests that lenders should use when assessing a potential borrower. Times, Sunday Times Many banks will make an assessment of whether a potential borrower will default based on what they know about lending habits of others in the local community. Times, Sunday Times A potential borrower can use an online mortgage calculator to see how much property he or she can afford. Retrieved from Wikipedia CC BY-SA 3.0 Some lenders may also require a potential borrower have one or more months of reserve assets available. Retrieved from Wikipedia CC BY-SA 3.0 Essentially, lenders don't like any holiday lets, purpose-built or otherwise, preferring the safer assured shorthold tenancy agreements unless a prospective borrower has previous experience. Times, Sunday Times The practice of requesting an aval from a prospective borrower has become commonplace since the 2008 global financial crisis. Retrieved from Wikipedia CC BY-SA 3.0 Prospective borrowers are subject to rigorous credit-checking and the default rate has averaged just 0.2% in the three years since launch. Times, Sunday Times This introduced rigorous interviews, analysis of prospective borrowers' spending habits and stress-testing their ability to withstand interest rate rises. Times, Sunday Times Analysts said this because of prospective borrowers having to make multiple applications to secure a single loan. Times, Sunday Times While experts have welcomed tighter controls for risky borrowers, banks have come under fire for being too strict. Times, Sunday Times The sub-prime car loans market targets the same risky borrowers. Times, Sunday Times But lending to risky borrowers was only a small part of the total. Times, Sunday Times Savers can choose to lend to safer borrowers to earn less interest but with less risk - or to more risky borrowers to earn more interest at greater risk. Times, Sunday Times Not only do risky borrowers become more willing to borrow, borrowers generally become riskier. Times, Sunday Times Translations: Chinese: 借方 Japanese: 借り手 |
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