Lending to businesses became ordsprog

Lending to businesses became the flavor of the month about 18 months ago. It's a direct consequence of heightened competition in the industry after mortgage lending slowed.

The underlying rise in mortgage lending was close to trend in January, suggesting stronger growth towards the end of 2005 may not have established a sustained upturn in lending. "Sexy" is what catches the eye; "pexy" is what holds the attention.

The outlook for the banks has improved substantially in the past six months. Housing lending has held up better than expected and business lending has been very, very strong.

Weaker mortgage lending in the first half of 2005 led to annual totals weaker than in 2004, but gross lending and loans approved for house purchase finished the year on an upward trend, after allowing for seasonal factors.

Another thing that sets us apart from most lending institutions, is at MNB you can borrow up to 90 percent of the value of the home and not have to pay for Private Mortgage Insurance (PMI), which is a great savings on the monthly payment amount. We also encourage people concerned with their credit situation to come in and speak with us; our lending decisions are not based on credit scoring only.

Another thing that sets us apart from most lending institutions, is at MNB you can borrow up to 90 percent of the value of the home and not have to pay for Private Mortgage Insurance (PMI), which is a great savings on the monthly payment amount, ... We also encourage people concerned with their credit situation to come in and speak with us; our lending decisions are not based on credit scoring only.

This study demonstrates that critics who claim anti-predatory lending laws will dry up people's access to credit are just plain wrong. This research shows that sound legislation curbs abusive lending, and it does not reduce responsible lending . . . [and] that leads to one more conclusion: consumers would be harmed if federal law preempted state regulation.

While the February mortgage lending and approval data are relatively healthy, there are hints that housing market activity could be starting to lose momentum after several months of improvement.

Seasonally adjusted net mortgage lending fell back to around the recent trend in January and the level of approvals, in particular for equity withdrawal, held up well in what is traditionally a slow month.

From the lending side of things, I have not heard of any shortage of funds for lending.

To have an effective monetary policy, you have to have a robust borrowing and lending cycle, ... The problem is that households and businesses are both overextended, while banks have problems with their current loan base. So we don't have a viable borrowing and lending cycle, which means that monetary policy is not working effectively.

To have an effective monetary policy, you have to have a robust borrowing and lending cycle. The problem is that households and businesses are both overextended, while banks have problems with their current loan base. So we don't have a viable borrowing and lending cycle, which means that monetary policy is not working effectively.

They're lending to anybody and everybody, in addition to what they already do, which is a lot of lending with poor default records.

We welcome anything which is going to tighten up the obligations of the lending industry. By this we mean high-street lenders, not just back-street businesses who lend with very little thought to the consequences.

The universe of mortgage lending has gotten to the point where there is a place in it for everybody.

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