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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    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
  21. 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
  22. 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
  23. 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

  24. 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
  25. 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
  26. 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


  27. 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
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    Mr Gilbert

    ReplyDelete
  28. 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
  29. 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
  30. 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
  31. 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
  32. 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
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    FLORENCE NOAH
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    HERITAGE TRUST LOAN CENTER

    ReplyDelete
  33. 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
  34. 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.
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    Micheal Benson

    ReplyDelete

  35. Good Day,

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    THANKS......

    ReplyDelete


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    ReplyDelete



  37. 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
  38. 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
  39. 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

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    ReplyDelete
  40. 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
  41. 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
  42. Good day,
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    ReplyDelete
  43. 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
  44. 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
  45. 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

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    ReplyDelete
  46. Good day,
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    Replies
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  47. 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


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    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  48. 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. 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.

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    ReplyDelete

  50. 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
  51. 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
  52. 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
  53. *FOXX Financial Loan Offer*

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    ReplyDelete
  54. 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


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  55. PACIFIC LOAN SERVICE
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    ReplyDelete
  56. 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
  57. 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
  58. Hello friends,
    Do you want a cash loan today, there's only a company I can recommend for you where i got my loan of $10,000 from,
    Flora Loans Cooperate, here is their email address: (floralenders001@gmail.com)

    ReplyDelete
  59. I am very excited today and do not know where to start my testimony from. I was a poor woman with 3 kids, i found it difficult to pay my bills and feed my kids. My husband left me and the kids for another woman and ever since then we were living in pain and hunger but just few days ago i came across a testimony of a man who got a blank ATM card from Clifford Jackson so i immediately contacted them for the same type of ATM card and i am very happy to announce to the world that i am living a fulfilled life. This Blank ATM card can withdraw up to 10,000 dollars and more daily without you having any account with any Bank. I have been able to buy a house and living big with this blank ATM card. Are you poor and need help then contact Clifford Jackson via email: ( cliffordhackerspays@gmail.com )

    ReplyDelete
  60. We have direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease. Our bank instrument can be engaged in PPP Trading, Discounting, Signature Project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, Construction of Dams,Bridges , Real Estate and all kind of projects.If you have need for corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN,we fund 100% of the face value of the financial instrument.

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 1 MIN and Eur 5B MAX (Five Billion USD).
    3. Issuing Bank: HSBC, London or Deutsche Bank Frankfurt or any Top 25 WEB
    4. Age: One Year, One Day
    5. Leasing Fee: Based on the Face Value of BG/SBLC Plus (0.5% + X %) Commission.1M ? 50M: 3.0% + (0.5% + X%) = 3.5% + X%51M ? 100M: 2.5% + (0.5% + X%) = 3.0% + X %101M ? 500M: 2.0% + (0.5% + X%) = 2.5% + X%
    6. Delivery: Bank to Bank Swift MT799 and/or MT760
    7. Payment: MT103
    8. Hard Copy: By Bank Bonded Courier within 7 banking days after delivery of Swift.

    Best Regards
    Management.
    Wesley Burke
    Email: wesswebur2323@gmail.com
    PH: +1-218-248-7397

    ReplyDelete
  61. We have direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease. Our bank instrument can be engaged in PPP Trading, Discounting, Signature Project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, Construction of Dams,Bridges , Real Estate and all kind of projects.If you have need for corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN,we fund 100% of the face value of the financial instrument.

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 1 MIN and Eur 5B MAX (Five Billion USD).
    3. Issuing Bank: HSBC, London or Deutsche Bank Frankfurt or any Top 25 WEB
    4. Age: One Year, One Day
    5. Leasing Fee: Based on the Face Value of BG/SBLC Plus (0.5% + X %) Commission.1M ? 50M: 3.0% + (0.5% + X%) = 3.5% + X%51M ? 100M: 2.5% + (0.5% + X%) = 3.0% + X %101M ? 500M: 2.0% + (0.5% + X%) = 2.5% + X%
    6. Delivery: Bank to Bank Swift MT799 and/or MT760
    7. Payment: MT103
    8. Hard Copy: By Bank Bonded Courier within 7 banking days after delivery of Swift.

    Best Regards
    Management.
    Wesley Burke
    Email: wesswebur2323@gmail.com
    PH: +1-218-248-7397

    ReplyDelete
  62. Treg Finance Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, companies and trader's globally. Just one simple process, We make financing the growth of your business simple, transparent, and fair.


    No jargon, no hidden fees
    Simple approval process
    Fast business loans funded in just 2-3 business days
    Low Interest rate of 2%
    Companies can be profitable or have negative net income
    Prior bankruptcies accepted
    Zero credit checks required
    Individuals with Bad credit can apply
    Flexible repayment schedules
    CIS & KYC required for all loan applicant irrespective of location/country
    Loan Duration from 1 year - 20 years maximum
    Grace period of 12 - 24 months for large business loans/working capital
    Loan Funding/Financing is not limited to any geographical location or country whatsoever


    We build just the right financing for each client, with simple paperwork, quick approvals, and flexible payment schedules.


    Treg Finance Company Limited
    Website: https://www.tregfinance.net/
    Email: info@tregfinance.net
    Whatsapp: +44 7757-109446
    Skype id: treg.finance@outlook.com
    201 Bishopsgate, London, EC2M 3AE
    Company Registration No. 02587815

    ReplyDelete
  63. Treg Finance Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, companies and trader's globally. Just one simple process, We make financing the growth of your business simple, transparent, and fair.


    No jargon, no hidden fees
    Simple approval process
    Fast business loans funded in just 2-3 business days
    Low Interest rate of 2%
    Companies can be profitable or have negative net income
    Prior bankruptcies accepted
    Zero credit checks required
    Individuals with Bad credit can apply
    Flexible repayment schedules
    CIS & KYC required for all loan applicant irrespective of location/country
    Loan Duration from 1 year - 20 years maximum
    Grace period of 12 - 24 months for large business loans/working capital
    Loan Funding/Financing is not limited to any geographical location or country whatsoever


    We build just the right financing for each client, with simple paperwork, quick approvals, and flexible payment schedules.


    Treg Finance Company Limited
    Website: https://www.tregfinance.net/
    Email: info@tregfinance.net
    Whatsapp: +44 7757-109446
    Skype id: treg.finance@outlook.com
    201 Bishopsgate, London, EC2M 3AE
    Company Registration No. 02587815

    ReplyDelete
  64. Are you blacklisted? Struggling to get a personal loan? Has your application been DECLINED due to Low Credit Score? Over COMMITTED? Affordability? But you know you can afford this loan. Loans Approved in 4hours, you can email us at opploansLLC@gmail.com

    Names:
    Occupation:
    Loan Amount Needed:
    Loan Duration:
    Your Country:
    Mobile NO:
    Purpose Of Loan:
    Email Address:
    monthly income:
    Sex:
    Age:

    Opportunity Financial, LLC

    ReplyDelete


  65. Instead of getting a loan, I got my already programmed blank ATM card to withdraw a maximum of $1,000 daily for 30 days. I am so happy about this because i got mine last week and I have used it to get $20,000. Mr Mike is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other people pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from him i fully recommend him. Just send him an email on (blankatm002@gmail.com )

    ReplyDelete
  66. DO YOU NEED AN AFFORDABLE LOAN TODAY?

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $200 million.

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    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

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    ReplyDelete
  67. We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans construction loans car loans, hotel loans Xmas loans Our interest rate is 2% per annual repaid, our loan takes a maximum of 3 working days to get to all approved customers across the globe.You can contact us via
    elvinloancompany@yahoo.com

    ReplyDelete
  68. Hello everyone, My name is Tyson Am here to testify on how i got a business loan of $850,000.00 dollars from Mr Mike Franklin of Good news loan(goodnewsloancompany7@gmail.com) a God fearing and honest lender after i applied two times from various loan lenders who claimed to be real loan lenders,i thought their lending where real, they rip me off my hard earned money, i lost $4,520.00 dollars until my lawyer introduce me to Mrs Susan the Managing Director of Wiley Knight 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 Susan who really helped me with my loan and changed my life for the better. All gratitude goes to Mrs Susana God sent Loan Lender for giving a meaning to my life when i had lost all hope so i made a vow to myself that i will keep testifying on the internet on how i got my loan. I don't know if you are in need of an urgent loan also, So feel free to contact Goodnewsloancompany on this email address: {goodnewsloancompany7@gmail.com)} or call them now on this number Thanks for reading and remain blessed!.

    ReplyDelete
  69. We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans construction loans car loans, hotel loans Xmas loans Our interest rate is 2% per annual repaid, our loan takes a maximum of 3 working days to get to all approved customers across the globe.You can contact us via
    elvinloancompany@yahoo.com

    ReplyDelete
  70. We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans construction loans car loans, hotel loans Xmas loans Our interest rate is 2% per annual repaid, our loan takes a maximum of 3 working days to get to all approved customers across the globe.You can contact us via
    elvinloancompany@yahoo.com

    ReplyDelete
  71. Hello everyone, I was able to get a loan up to $250K from Doanh Tran Services within 2 business days. I am living proof of this great funding opportunity. So if you're out there looking for this kind of opportunity contact Mr Doanh Tran to assist you with funding today, find their contact details below:

    trandoanh@consultant.com
    trandoanhservice@gmail.com

    Ronelle Collen

    ReplyDelete
  72. INSTANT AFFORDABLE PERSONAL/BUSINESS/HOME/INVESTMENT LOAN OFFER WITHOUT COST/STRESS CONTACT US TODAY VIA Call/Text +1(415)630-7138 Whatsapp +19292227023 Email drbenjaminfinance@gmail.com

    We are financial consultants providing reliable loans to individuals and funding for business, home and projects start up. Are you tired of seeking loans or are you in any financial mess. Do you have a low credit score, and you will find it difficult to get loans from banks and other financial institutions? then worry no more for we are the solution to your financial misfortune. we offer all types of loan ranging from $5,000.00 to $533,000,000.00USD with a low interest rate of 2% and loan duration of 1 to 35 years to pay back the loan secure and unsecured. Are you losing sleep at nights worrying how to get a Legit Loan Lender? Contact us via Call/Text +1(415)630-7138 Email drbenjaminfinance@gmail.com

    Do you have a bad credit? Do you need money to pay bills? Do you need loan to buy, refinance or renovate your home? Is it necessary to start a new business? Do you have an unfinished project due to poor funding? Do you need money to invest in any specialty that will benefit you? DR.BENJAMIN FINANCIER LOANS aims is to provide excellent professional financial services which include the followings

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    Call/Text +1(415)630-7138
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    ReplyDelete
  73. Drake Grove Finance Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, companies and trader's globally. Just one simple process, We make financing the growth of your business simple, transparent, and fair.


    No jargon, no hidden fees
    Simple approval process
    Fast business loans funded in just 2-3 business days
    Low Interest rate of 2%
    Zero credit checks required
    Flexible repayment schedules
    CIS & KYC required for all loan applicant irrespective of location/country
    Loan Duration: f1 year - 25 years
    Grace period of 12 - 24 months for large business loans/working capital
    Loan Funding/Financing is not limited to any geographical location or country whatsoever


    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. Email: loans@drakegrovefinance.net | Whtasapp: +44 7469 453827

    ReplyDelete