Sunday, March 8, 2009

The Financial Crisis and the Principal Agent Problem

Christopher Joye discusses the "far-reaching flaw sitting in the foundations of the US credit creation system"

Dismantle and Start Again, by Christopher Joye, Commentary, Business Spectator....The problem is a simple one: the vast bulk of all home loans in the US(around 70 per cent) are funded not using the balance-sheets of large transnational banks, and in turn the regionally diversified deposits of their customers, but via the far more complex, unstable and sometimes conflicted process of “securitisation”.

In contrast to the rest of the world – where securitisation, if it exists at all, has been a small yet valuable part of the housing finance mix – the process completely dominates home loan funding in the US.....

When a mortgage is securitised, the lender that originates the loan does not keep it on their balance-sheet and hold it to maturity – the whole point of this exercise is to take assets “off balance sheet” and sell them to third-party investors, thus enabling the lender to recycle the original capital and embark on a new round of financing.

Indeed, most regulators around the world have noted approvingly over the years that securitisation allows lenders to alleviate balance-sheet stresses and share some of their risks with third-parties, such as pension funds, who in turn get exposure to typically low volatility “mortgage-backed securities” that yield higher returns than conventional cash instruments. The very low risk and robust long-term performance of securitised home loans in Australia has been testament to the merits of this diversification process for consumers, lenders and investors.

Trouble nevertheless arises when you create artificially strong incentives, as US governments repeatedly did, to predicate your entire housing finance edifice on securitised forms of funding to the detriment of the traditional deposit-taking market. Over and above stunting the growth of a nationally-integrated banking sector, synthetic incentives that instill securitisation as the preferred source of funding expose the overall financial system to a number of potentially destabilising conflicts. The most obvious of these is that the organisations that source new home loans and which are responsible for assessing their credit risk are removed from the institutions that ultimately own the assets and hence bear that risk. We have, therefore, a classic principal-agent problem....


Mark Thoma provided a similar analysis of the principal agent problem in a post last year, but also argues that "the mis-pricing of risk and the failure of securitization to distribute risks across the financial system" contributed to the financial crisis.

Fannie and Freddie Did Not Cause This Crisis, by Mark Thoma, Seeking Alpha.... With respect to the agency issues, there is a long chain between the home buyer, the mortgage broker, and, ultimately, the sliced and diced complex securities that nobody fully understands. Let's take one step in the chain, that of a bank or mortgage broker, either one.

Suppose they are paid a fee, i.e. by the number of mortgages that pass through their hands each month (as, essentially, they were). The more mortgages they can push through, the higher their income. They are required to meet certain guidelines as they do this, but so long as their income depends upon the number of mortgages passing through their hands and not what happens to the mortgages later on - so long as it is a fee-based system - they have every incentive to push the guidelines as hard as they can and to find a way around them whenever possible.If mortgage brokers had done their job and only made loans to people who could pay them back (i.e. with "reasonable" levels of default), we wouldn't have a financial crisis. So right away, in nearly the first step of the chain, we have to ask what went wrong, why they were willing to take so many questionable loans.

The problem is what economists call an agency issue. The brokers had no stake in the outcome once the mortgages left their hands. The same with banks, all they had to do was process the mortgages, package them up, then sell them and collect their fee.

Think about the incentives here. Suppose you are a mortgage broker and you begin to suspect that the bubble will pop soon, that all this lucrative business might end. To protect the business, should you get worried and start checking mortgages more carefully to make sure that things don't get further out of hand? No, you should accelerate what you are doing, write even more mortgages - nothing you can do can stop the bubble from popping, you are just one of many, many brokers far down the chain - so why not collect as many fees as possible before the gravy train ends? What if everyone thinks this way, and they all rush to sell as many of these things as they can? Mania.

A solution to this is to give each person in the chain a stake in the future outcome of the mortgage. If mortgage brokers' income had been connected to a financial instrument that pays off according to the future performance of the mortgages they write, would they have behaved differently? Probably...

Ah, you say, but as you go up the chain why didn't people refuse to take the financial paper, why didn't they conclude it was too risky? The risky mortgages don't have to be stopped at the bottom, this is a linked chain, so why weren't they stopped higher up in the chain where the stakes are higher? ..... The mis-pricing and mal-distribution of risk played a key role here ....

The people at the top of this complex chain did not fully understand the risks the were assuming when they took on the subprime business, or, rather, when they took on the complex securities derived from the subprime business. When the bubble popped, it shouldn't have been a big problem if the risk assessment models they relied upon had been correct, and if securitization had distributed the risk as promised. .....

(I)f the risks had been distributed fairly evenly, it's much less likely that we'd be in this mess (the losses of $2T(rillion) - an intentionally high-balled number - are only 1/30th of global financial assets). It wasn't the mis-prediction of the level of risk that was the biggest problem, the losses could have been absorbed, it was the (unintended) concentration of risk through the failure of securitization that was the most problematic.

Fundamentally, then, it was the agency problems and the failure of risk prediction and distribution models that allowed the bubble to inflate and then cause big problems after it popped....

The unexpected losses alone might not have caused a crisis had the losses been widely distributed, but, the losses were concentrated and hidden in ways that created widespread fear and threatened the entire system. Getting rid of that fear is not going to be easy.

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    ReplyDelete
  18. Do you need a loan? Are you a business man or woman and you need a loan to increase your business?? Do you need capital to start up a business? Whatever your loan problems might be, here comes your help as we offer loans to both individuals and firms at low and affordable interest rate of 2% Processed within 24 hours.and a repayment duration period of 1year to 10years to any part of the world.We give out loans within the range of 5,000 to 100,000,000 USD Just for only one fee, which is the Registration fee while the company will be paying all other fees, Any loan company asking for more than one fee is a scam and bewear of that compny. Our loans are well insured and maximum security is our priority.contact us today at(maxwellloans24@outlook.com) where your needs are meet and your worries are over.
    YOUR DETAILS BELOW
    Full Name ...........
    Location ............
    country .............
    sex .................
    phone ...............
    age .................
    Occupation...........
    Sincerely.

    ReplyDelete
  19. Attention Everyone,
    My name is Mr RUNZI MOORE I am a private lender who give out loan to private and corporate individuals. Have you been turned down by so many banks? Do you need finance to establish your business? Do you need finance for the expansion of your business? Or do you need a personal loan? My loan ranges from personal to business loan. My interest rate is very affordable as low as 2.5% and our loan process is very fast as well. I am very willing to make all your financial troubles a thing of the past. If you are really ready to get your financial problems solved,Then search no further and apply for a loan today. If you are interested fill the,
    DATA APPLICATION FORM
    1)YOUR NAME..........
    2)YOUR COUNTRY..........
    3)YOUR OCCUPATION..........
    4)YOUR MARITAL STATUS..........
    5)PHONE NUMBER..........
    6)MONTHLY INCOME..........
    7)ADDRESS..........
    8)PURPOSE OF LOAN.........
    9)AMOUNT NEEDED..........
    10)TELEPHONE..........
    11)LOAN DURATION..........
    12)Next of kin...............
    My email address is stated below: I look forward to doing business with you.
    Email:runziloanfirm@outlook.com
    Contact Customer care via
    +17608499503

    Thanks ,
    Mr RUNZI MOORE

    ReplyDelete
  20. Am Mrs. Carol Webb from Orlando Florida—USA. I was extremely in need of a loan for my business because my business was running down and i was finding it difficult to get a loan from banks/other financial corporation due to my credit score. I was desperate to try almost every money-making opportunity on the internet and Finding Nathan Dylan and his services rendered was a breath of fresh air in my life. Finally i met a genuine lender and a service that I can trust—and I have to say Nathan Dylan did not disappoint me! The service he rendered to me was extremely wonderful and now the future finally looks bright for me and my business because i was enable to get a loan amount of ($500,000.00). If you must contact any firm to get any amount of loan you need today, with low interest rate of 2% and better repayment schedule, please contact Nathan Dylan Services (NDS) via email (nathdylan@outlook.com) to solve any financial problems you might be passing through now.

    ReplyDelete
  21. Are you looking for a business loan? personal loan, house loan, car loan, student loan,debt consolidation loan, unsecured loans, venture capital, etc. .. Or have you been refused a loan by a bank or a financial institution for any reasons. I am john williams, a private lender, lending to businesses and individuals in a low and affordable interest rate of 2% interest rate. if Interested? Contact us today at (johnloanfirm101@outlook.com) and get your loan today

    ReplyDelete
  22. TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE LOAN COMPANY

    Hello everyone, My name is Mrs Amal Danny and i am talking as the happiest person in the whole wide world today and i told my self that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need a loan of $ 100,000 USD to start my life all over as i am a single mum with 4 kids and the whole world seemed like it was hanging on me until i met the GOD sent loan lender that changed my life and that of my family, a GOD fearing lender, Mr Alvin Williams, he was the Savior GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $ 100,000 USD on the 5th/Jan/2015,i invited him over to my family get-together party which he did not decline and i will advise any one who is in genuine need of a loan to contact Mr.Alvin Williams via email at Alvinloanfirm@yahoo.com because he is the most understanding and kind hearten lender.

    ReplyDelete
  23. Are you in need of financial assistance? contact us now via email: leonardfergusonfinance01@gmail.com for more information. Low credit scores not a problem. Get Approved Fast. Quick Apply Now via email: leonardfergusonfinance01@gmail.com

    ReplyDelete
  24. Testimony On How My Life was Transform through the help of a Godsent Lender.. Hello everyone, I am Kathie Roper by name, am writing this Testimony because am really grateful for what Mason Diego did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 3%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would advise you to email Dr Purva Pius via email:(urgentloan22@gmail.com) and be free of internet scams. thanks... Kathie Roper from California, USA.

    ReplyDelete
  25. I am Mrs.Sandra Bents from Germany, God has bless me with two kids and a loving husband, I promise to share this Testimony because of God favor in my life,2months ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be a loan lender not knowing he was a scam. he collected 2,000USD from me and refuse to email me since. then I was confuse, but God came to my rescue, one faithful day I went to Court after the Case of my friend I share idea with a friend and she introduce me to DR PURVA PIUS LOAN COMPANY, she said she was given 50,000USD by Dr Purva Pius, THE MANAGING DIRECTOR OF DR PURVA PIUS LOAN COMPANY . so I collected his email Address ,he told me the roles and regulation and I followed, then after processing of the Documents, he gave me my loan of 30,000POUNDS .you can contact him on via email : (urgentloan22@gmail.com) I am sure he will help you.

    ReplyDelete

  26. MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
    Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dr Purva Pius Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email:(urgentloan22@gmail.com)

    ReplyDelete
  27. Hello Everybody,
    My name is Mrs Boo Wheat. I live in UK London and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $250,000.00 U.S. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Boo, that refer you to him. contact Mr.DORO ,via email:(dorosmithloanfirm@outlook.com)Thank you

    ReplyDelete
  28. Hello Everybody,
    My name is Mrs Boo Wheat. I live in UK London and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $250,000.00 U.S. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Boo, that refer you to him. contact Mr.DORO ,via email:(dorosmithloanfirm@outlook.com)Thank you

    ReplyDelete
    Replies
    1. How I Was Rescued By A God Fearing Lender (Lexieloancompany@yahoo.com)

      Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

      Delete
  29. To properly introduce myself, I'm Mr. Micheal Benson a private lender,i Give out loans at 3% interest rate, this a financial opportunity. at your door step, get your loan quickly. There's so much people out There looking for financial opportunities or help around the corner, and Places, and still they are not able to get one, but here it is. Financing opportunities on your door step and as such you can not afford To miss this opportunity This service is made to Individuals, companies, businessmen and women, and loans.The availability of any amount of your choice for more information.
    Contact us via email: michealbensonloanagency@gmail.com.

    Loan application form and return it.

    Full Name ....................................

    Private phone number ............................

    Country ...........................................

    Address ......................................

    State ..............................

    Age .............................................

    You have applied before or not. .......................

    Status .................................

    Loan amount needed. .....................................

    Loan period .................................

    Occupation....................................

    Monthly Income .............................

    In recognition of these details we will send you our agreement with the repayment schedule, and if you agree to the Terms and Conditions, you stand to get your loan within 24 hours, depending on the severity and urgency,and trust.
    I am waiting for your quick response.

    Yours truly

    Micheal Benson

    ReplyDelete


  30. Are you a business man or woman ? Do you think of getting a Financial help are you seriously in need of an urgent Loan,Do you think of starting your own business,Are you in debt. This is your chance to achieved your desire to obtain a loan from us for more
    Email:harryloanlending@gmail.com

    information contact us now
    THE BORROWER'S INFORMATION:
    Full Names:_______________
    Country:_________________
    State:___________________
    Sex:______________________
    Age:______________________
    SS Number:_____________
    Loan Amount Needed:_______
    Loan Duration:____________
    Cell Phone Number:________
    Thanks
    Email:harryloanlending@gmail.com
    Mr Gilbert

    ReplyDelete
  31. Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

    ReplyDelete
  32. Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

    ReplyDelete
    Replies
    1. How I Was Rescued By A God Fearing Lender (Lexieloancompany@yahoo.com)

      Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

      Delete
  33. Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

    ReplyDelete
  34. i want to use this great medium to announce this lender Mr Barry More who is really a God sent to my family. few months back i was in search of a loan form the internet where i was scammed of $3000.00, i never thought i will ever apply for a loan on the internet again before i met a post about this lender made by one Monica Carlos who also got a loan from him, then i took a try again, after loan processing i was ask to provide my banking details which i did and to my greatest surprise i was granted a loan of $45,000.00 at first i thought it was a joke until i got to the bank to confirm and it was true, i was overwhelmed with joy. so i want you all who desire a loan and are capable of paying back the funds at the due time to contact:(barrymoreloans12@hotmail.com)and be a partaker of my testimony.

    ReplyDelete
  35. HERITAGE TRUST LOAN CENTER
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
    ----------------------------------------------------
    I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

    HERITAGE TRUST LOAN CENTER is a legitimate and well known British
    approved loan lending company based in London, united kingdom.

    ===============================================================

    We offer the following kinds of loans to our clients------------
    * Long term loans (20_40years)
    * Short term loans (5_10years)
    * Media term loans (10_20years )
    * Investors Loans
    * Debt Consolidation
    * Second Mortgage
    * Business Loans
    * Personal Loans
    * International Loans
    * Home loans.
    =======================================================

    Interested applicants should please contact us with our email address
    [heritagetrustloancenter@gmail.com]

    THANKS
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    FLORENCE NOAH
    www.heritagetrustloans.webs.com
    HERITAGE TRUST LOAN CENTER

    ReplyDelete
  36. HERITAGE TRUST LOAN CENTER
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
    ----------------------------------------------------
    I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

    HERITAGE TRUST LOAN CENTER is a legitimate and well known British
    approved loan lending company based in London, united kingdom.

    ===============================================================

    We offer the following kinds of loans to our clients------------
    * Long term loans (20_40years)
    * Short term loans (5_10years)
    * Media term loans (10_20years )
    * Investors Loans
    * Debt Consolidation
    * Second Mortgage
    * Business Loans
    * Personal Loans
    * International Loans
    * Home loans.
    =======================================================

    Interested applicants should please contact us with our email address
    [heritagetrustloancenter@gmail.com]

    THANKS
    EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
    FLORENCE NOAH
    www.heritagetrustloans.webs.com
    HERITAGE TRUST LOAN CENTER

    ReplyDelete
  37. Good Day To Everybody In this site i want to testify how i was rescue by Mr Daniel Silva When i was Rip off I’m Mr John Toms by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scams everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr Daniel Silva who lend me a loan of $10,000 under 8hours without any stress. If you are in need of any kind of loan just contact him via email......danielsilva_investment@hotmail.com i am using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr Daniel Silva,i pray that God should give him long life. God bless him forever for the good things he has done in my life. Mr John Toms.

    ReplyDelete
  38. To properly introduce myself, I'm Mr. Micheal Benson a private lender,i Give out loans at 3% interest rate, this a financial opportunity. at your door step, get your loan quickly. There's so much people out There looking for financial opportunities or help around the corner, and Places, and still they are not able to get one, but here it is. Financing opportunities on your door step and as such you can not afford To miss this opportunity This service is made to Individuals, companies, businessmen and women, and loans.The availability of any amount of your choice for more information. Contact us via email: michealbensonloanagency@gmail.com.
    Loan application form and return it.
    Full Name .................
    Private phone number ................
    Country .................
    Address ................
    State ..............
    Age ..............
    You have applied before or not. .............
    Status ..............
    Loan amount needed. ..................
    Loan period ................
    Occupation.................
    Monthly Income ...............
    In recognition of these details we will send you our agreement with the repayment schedule, and if you agree to the Terms and Conditions, you stand to get your loan within 24 hours, depending on the severity and urgency,and trust.I am waiting for your quick response.
    Yours truly
    Micheal Benson

    ReplyDelete
  39. AFFORDABLE XMAS LOANS

    Hello Everybody, here comes an Affordable Xmas loan Offer that will change your life forever, TESTIMONY ON HOW I GOT A LOAN TO CHANGE THE BROKE LIFE OF MY FAMILY My name is Mrs Clency Dexter. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Broke Life and that of my family, i will refer any person that is looking for loan to Them. They gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a widow with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, working with a reputable loan company. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Clency referred you to them. contact via E_mail: rathancharodloancompany@gmail.com

    AFFORDABLE XMAS LOANS

    ReplyDelete

  40. Good Day,

    Are you in any kind of financial difficulties? Your help comes now.
    Are you having sleepless night worrying how to get a Loan?Don't allow
    your dreams to die, or are you looking for whom to trust or having you been scammed by INTERNET fraud stars, or you have been turned down by other financial company contact
    JOYCE MYERS LOAN COMPANY today for
    easy and reliable loan. Please you are to fill out this form showed
    below this email.{{{joycemyersloancompany@gmail.com}}}

    BORROWERS APPLICANT FORM
    Full Names:............
    Gender:....................
    Marital status:.........
    Contact Address:...........
    Country:........................
    State:..........................
    Age:...........................
    Monthly Income:..............
    Loan Amount:...................
    Duration of Loan:............
    Date Of Loan Needed:.............
    Weekly Income:....................
    Occupation:.........................
    Purpose for Loan:.................
    Phone Number:....................
    Personal Phone Number:.........
    Fax Number:......................
    How Did You Hear About This Company?........

    Mrs Joyce Myers

    C.E.O... OF JOYCE MYERS LOAN COMPANY

    THANKS......

    ReplyDelete


  41. APPLY FOR A QUICK LOAN TODAY:

    We are financial services and investment company, we give out loan to individual and companies seeking for capital for any reason and our loan is as low as 2% interest rate and negotiable terms and conditions.

    Are you looking for the finance or the financial freedom to expand and grow your business and company? We can help your business or that of a client/friend devise a plan for success.

    For all types of companies - from small and medium enterprises to large corporate firms, we will assist you so that your company gets the right type of finance required for your business needs at lower interest rates as well as fast approvals to help you act fast on new opportunities and to meet immediate needs.

    For further details, contact directly with your business plans or reason for requesting for a loan as an individual through email at barclaysloanservice247@yahoo.com.

    APPLY NOW.

    ReplyDelete



  42. Do not use all of these Private Money Lender here.They are located in Nigeria, Ghana ,Turkey, France and Israel
    My name is Margret Buchan, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Morris And Company Trust Fund Limited he help me with a loan of $800.000 some days ago after been scammed of $12000 from a woman claiming to be a loan lender but i thank God today that i got my loan worth $800.000.Feel free to contact the company for a genuine financial service.Website: http://www.morristrustfundlimited.com Email: morristrustfundlimited@hotmail.com USA Florida +18503666201

    ReplyDelete



  43. Do not use all of these Private Money Lender here.They are located in Nigeria, Ghana ,Turkey, France and Israel
    My name is Margret Buchan, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Morris And Company Trust Fund Limited he help me with a loan of $800.000 some days ago after been scammed of $12000 from a woman claiming to be a loan lender but i thank God today that i got my loan worth $800.000.Feel free to contact the company for a genuine financial service. Email: morristrustfundlimited@hotmail.com USA Florida +18503666201

    ReplyDelete
  44. Hello, Do you need finance to consolidate your debt? Do you need funding to help your company get back on track? So I have the best solution for you. If your new business is like most startups, you're seeking loan somewhere between $5,000 and $5,000,000.00 million to get it off the ground. After exhausting your personal savings and loans from relatives and friends, your first instinct might be to get a bank loan or an SBA loan. Before you act on this instinct, let me tell you about this loan firm i got a loan from same day. Wiley Knight Loan Company is the right place to be, i got a business loan of $350,000.00 from this firm after been scammed of $1,790.00. But today i am a business owner and my business is fast growing,if you need any type of loan today do not fail to contact this firm because this is the right place to be when seeking for loan help, their interest rate is very low (2%) contact this firm today for your loans through email wileyknightloancompany@gmail.com and you will be glad you did. Email wileyknightloancompany@gmail.com Thanks..

    ReplyDelete
  45. Hello, Do you need finance to consolidate your debt? Do you need funding to help your company get back on track? So I have the best solution for you. If your new business is like most startups, you're seeking loan somewhere between $5,000 and $5,000,000.00 million to get it off the ground. After exhausting your personal savings and loans from relatives and friends, your first instinct might be to get a bank loan or an SBA loan. Before you act on this instinct, let me tell you about this loan firm i got a loan from same day. Wiley Knight Loan Company is the right place to be, i got a business loan of $350,000.00 from this firm after been scammed of $1,790.00. But today i am a business owner and my business is fast growing,if you need any type of loan today do not fail to contact this firm because this is the right place to be when seeking for loan help, their interest rate is very low (2%) contact this firm today for your loans through email wileyknightloancompany@gmail.com and you will be glad you did. Email wileyknightloancompany@gmail.com Thanks..

    ReplyDelete
  46. Do you need an urgent loan ? we offer worldwide loan to interested borrowers who in need of the business opportunity loan at 2% rate. apply now and email us now at: Email :ingridkloetloanfirm@gmail.com

    LOAN APPLICATION FORM
    1) Full Name:
    2) Gender:
    3) Loan Amount Needed:.
    4) Loan Duration:
    5) Country:
    6) Home Address:
    7) Mobile Number:
    8)Monthly Income:
    9)Occupation:
    )Have you apply before?.

    Best Regards.

    ReplyDelete
  47. I’m Anna by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mrs. Ingrid Kloet who lend me a loan of $20,000 under 24hours without any stress. If you are in need of any kind of loan just contact her now via: ingridkloetloanfirm@gmail.com, I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mrs. Ingrid Kloet, i pray that God should give her long life.

    God bless him forever.

    Anna Vegas

    ReplyDelete
  48. My name is zunna, I am from New york, United State, am here to testify of how i got my loan from Mrs Ingrid {ingridkloetloanfirm@gmail.com} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mrs Ingrid kloet the C.E.O of INGRID Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mrs Ingrid, who really helped me with my loan and changed my life for better. I dont know if you are in need of an urgent loan, free feel to contact Ingrid loan company on email{ ingridkloetloanfirm@gmail.com} for help

    ReplyDelete
  49. Good day,
    Are you in need of urgent loan…Do you want to
    clear your debt, expansion of business,r personal
    loan” you can contact us for your fast and
    reliable loan at a low interest rate of 2%, and
    affordable repayment plan with good credit
    conditions email os: harryloanlending@gmail.com

    ReplyDelete
  50. How I Was Rescued By A God Fearing Lender (Lexieloancompany@yahoo.com)

    Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

    ReplyDelete
  51. I want you all to help me give thanks to the management of Detlev Jonas Loan Company for helping me get the loan that i have been looking for it has been so many attempt but finally it came to pass and now i was able to get the loan ,if any one is out there looking for funds for any kind of business plans contact them at detlevjonasfunds@outlook.com

    ReplyDelete
  52. We are Providers of all types of BG and SBLC with the best workable procedures. Our BG/SBLC ranges from MT799, MT760,(Both two way confirmation), MT103/23, MT103 (Both can be one way confirmation and two way confirmation) in USD and EUROS. Issuing Bank ranges from Top world 25 banks with face value ranging from 1M EUROS/USD to 5B EUROS/USD

    BROKERS ARE WELCOME & 100% PROTECTED!!!
    Intermediaries/Consultants/Brokers are welcome to bring their clients and cases to our attention and in complete confidence we will work together for the benefits of all parties involve

    For further details contact us with the below information Thank you.

    Contact : Mr. Wong Man
    Email: reliablemandate@gmail.com
    Skype ID: reliablemandate

    ReplyDelete
  53. Good day,
    Are you in need of urgent loan…Do you want to
    clear your debt, expansion of business,r personal
    loan” you can contact us for your fast and
    reliable loan at a low interest rate of 2%, and
    affordable repayment plan with good credit
    conditions email os: naomiloancompany@gmail.com

    ReplyDelete
    Replies
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  54. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  55. I am from New york, United State, am here to testify of how i got my loan from Mrs Ingrid {ingridkloetloanfirm@gmail.com} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mrs Ingrid kloet the C.E.O of INGRID Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mrs Ingrid, who really helped me with my loan and changed my life for better. I dont know if you are in need of an urgent loan, free feel to contact Ingrid loan company on email{ ingridkloetloanfirm@gmail.com} for help

    ReplyDelete
  56. Are you INTERESTED in a genuine, fast, reliable LOANS with no hidden fees from a private lender? Just 3.0% p.a, tailored with a flexible repayment schedule to meet the borrower's need and also a grace period of up to 12 - 36 months.

    NOTE: All replies should be forwarded and send to the e-mail account below for quick response and further details regarding our rate, terms & procedures. Email: finance@wburke-lendings.com.

    ReplyDelete
  57. Testimony of Restoration with the help of Martinez Lexie(Lexieloancompany@yahoo.com OR +18168926958)..

    I have been in financial mess for the past months, I'm a single mum with kids to look after. My name is Renee Joan Rothell, and am from Ridley Park, Pennsylvania. A couple of weeks ago My friend visited me and along our discussion she told me about Mr Martinez Lexie of ( Lexieloancompany@yahoo.com ); that he can help me out of my financial situation, I never believed cause I have spend so much money on different loan lenders who did nothing other than running away with my money. She advised, I gave it a try because she and some of her colleagues were rescued too by this Godsent lender with loans to revive their dying businesses and paying off bills. so I mailed him and explain all about my financial situation and therefore took me through the loan process which was very brief and easy.. After that my loan application worth 78,000.00 USD was granted, all i did was to follow the processing and be cooperative and today I am a proud business owner sharing the testimony of God-sent Lender. You can as well reach him through the Company website: http://lexieloans.bravesites.com OR text: +18168926958

    ReplyDelete
  58. We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

    Contact : Mr. Johnson Hatton
    Email:johnsonhatton@gmail.com
    Skype ID: johnson.hatton007

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    All inquires to Mr. Johnson Hatton should include the following minimum information so I can quickly address your needs:

    Complete contact information:
    What exactly do you need?
    How long do you need it for?
    Are you a principal borrower or a broker?

    Contact me for more details.

    Johnson Hatton

    ReplyDelete

  59. HELLO

    DO YOU WISH TO GET AN EASY, FAST AND STRESS FREE LOAN? TO FINANCE UP YOUR BUSINESS OR FOR PERSONAL PURPOSE, MINIMUM AMOUNT OF 5,000.00 TO A MAXIMUM AMOUNT OF 500,000,000.00 IN THE CURRENCY TYPE OF USD,EURO,POUNDS . OVER HERE IS HALIFAX BANK PLC WE ARE CURRENTLY OFFERING LOAN TO INTERESTED LOAN SEEKERS WHO HAVE BEEN SEEKING FOR A WAY TO GET A LOAN FOR THERE BEST KNOWN PURPOSE AT A RATE OF 4.50% INTEREST RATE. IF YES! KINDLY CONTACT US THROUGH EMAIL AT halifax_ivandepartment@yahoo.com

    NB: ALL REPLIES SHOULD BE SENT TO halifax_ivandepartment@yahoo.com

    ReplyDelete
  60. My name is zunna, I am from New york, United State, am here to testify of how i got my loan from Mrs Ingrid {ingridkloetloanfirm@gmail.com} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mrs Ingrid kloet the C.E.O of INGRID Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mrs Ingrid, who really helped me with my loan and changed my life for better. I dont know if you are in need of an urgent loan, free feel to contact Ingrid loan company on email{ ingridkloetloanfirm@gmail.com} for help

    ReplyDelete
  61. do you need a genuine loan for business purposes or to pay your debt contact Mr Kellie Wilson now for genuine loans via email: Oceanicfinance113@gmail.com

    ReplyDelete
  62. *FOXX Financial Loan Offer*

    We give out loan at the rate of 3% interest rate, if you are interested for a loan, you are here by
    advise to fill and return the loan application form to this Email( foxx.loanfinancialaid@gmail.com) alone to know if you are truly interested in loan. I am here to put smiles in all sad faces.

    FULL NAMES:
    ADDRESS:
    COUNTRY:
    AMOUNT NEEDED:
    DURATION OF LOAN:
    PURPOSE OF LOAN:
    SEX:
    MARITAL STATUS:
    MONTHLY PAYMENT:
    PHONE NUMBER:
    EMAIL:

    By replying with these details to (foxx.loanfinancialaid@gmail.com),
    we shall move forward to the next step which is the terms and
    re-payment plan schedule.

    Mr. Howard M Colleman .

    Phone: +18475128241

    ReplyDelete
  63. Do you need 100% Loan? I can serve your financial needs with fewer problems of return that is why we fund you for just 2%. whatever your situation, self-employed, retired, have apoor credit rating, we can help. Flexiblerepayment over 1 to 30 years.Contact us at: marymaxwellloanfirm@gmail.com


    you are looking for a long or short-term loans

    1 Full Name: ............................
    2 Contact Address: .......................

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    5. Loan Amount Needed: ....................
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    marymaxwellloanfirm

    l
    mrs:mary

    ReplyDelete
  64. PACIFIC LOAN SERVICE
    ===============================
    This is a Christian Organization formed to help people in need of
    help, such as financial help. and help them out of their financial
    crises. If you are short of cash and in need of financial assistance
    PACIFIC LOAN SERVICE is the best solution.
    We make applying and qualifying for a loan quick, easy and painless.
    Our payday loans IS a fast and easy way of obtaining the emergency cash fast!
    DO YOU NEED A LOAN TO PAY BILL?
    DO YOU NEED FINANCIAL ASSISTANCE?
    Do you need a personal loan to secure a home?
    OUR. VISION IS TO MEET YOUR FINANCIAL PROBLEMS BY OFFERING YOU LOAN.
    If you are faced with stress in the acquisition of a loan that make
    you .Have sleepless night? Or you have been disappointed by your bank?
    PACIFIC LOAN SERVICE is here WIPE YOUR TEARS AWAY.
    ======================
    If you are having any stress in obtaining a loan from your local
    banks and finance kindly fill the application and send to our
    ============================
    APPLICATION FORM
    PREFIX {MR.,MRS.,MS.,DR.,etc.}
    1)YOUR NAME......................
    2)YOUR COUNTRY...................
    3)YOUR OCCUPATION................
    4)YOUR MARITAL STATUS............
    5)PHONE NUMBER...................
    6)MONTHLY INCOME.................
    7)ADDRESS........................
    8)PURPOSE OF LOAN................
    9)LOAN REQUEST...................
    10)TELEPHONE.....................

    If you are interested and you want to obtain a loan from
    PACIFIC LOAN SERVICE, kindly fill the application
    form and reply us through our email pacificloanservice@gmail.com

    THANKS AND REGARDS

    ReplyDelete
  65. PACIFIC LOAN SERVICE
    ===============================
    This is a Christian Organization formed to help people in need of
    help, such as financial help. and help them out of their financial
    crises. If you are short of cash and in need of financial assistance
    PACIFIC LOAN SERVICE is the best solution.
    We make applying and qualifying for a loan quick, easy and painless.
    Our payday loans IS a fast and easy way of obtaining the emergency cash fast!
    DO YOU NEED A LOAN TO PAY BILL?
    DO YOU NEED FINANCIAL ASSISTANCE?
    Do you need a personal loan to secure a home?
    OUR. VISION IS TO MEET YOUR FINANCIAL PROBLEMS BY OFFERING YOU LOAN.
    If you are faced with stress in the acquisition of a loan that make
    you .Have sleepless night? Or you have been disappointed by your bank?
    PACIFIC LOAN SERVICE is here WIPE YOUR TEARS AWAY.
    ======================
    If you are having any stress in obtaining a loan from your local
    banks and finance kindly fill the application and send to our
    ============================
    APPLICATION FORM
    PREFIX {MR.,MRS.,MS.,DR.,etc.}
    1)YOUR NAME......................
    2)YOUR COUNTRY...................
    3)YOUR OCCUPATION................
    4)YOUR MARITAL STATUS............
    5)PHONE NUMBER...................
    6)MONTHLY INCOME.................
    7)ADDRESS........................
    8)PURPOSE OF LOAN................
    9)LOAN REQUEST...................
    10)TELEPHONE.....................

    If you are interested and you want to obtain a loan from
    PACIFIC LOAN SERVICE, kindly fill the application
    form and reply us through our email pacificloanservice@gmail.com

    THANKS AND REGARDS

    ReplyDelete
  66. We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.

    Below is our instrument description.

    DESCRIPTION OF INSTRUMENT:
    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 4% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

    All relevant business information will be provided upon request plus our terms and procedures: If you are interested please contact me for us to proceed further

    Regards

    Devdutt Vyas
    Email: devdutt_vyas@outlook.com
    devdutt.vyas2016@gmail.com
    Skype: devdutt.vyas

    ReplyDelete
  67. Good Day, Are you in need of a loan? such as loan to pay off your dept, to pay your rent and solve financial problems, here is an opportunity for you, Flora offer home loans, business loans, and bad credit loans, commercial loans, start-up- working capital loans, construction loans, auto loans, hotel loans, xmas loan e.t.c of 3% interest rates per annual repaid, Flora loan takes a maximum of {2} working days,to get to all approved customers across the word contact us at (floralenders001@gmail.com)

    ReplyDelete