Found 5325 Business Loans Books Products.
Access to credit is an important means of providing people with the opportunity to make a better life for themselves. Loans are essential for most people who want to purchase a home, start a business, pay for college, or weather a spell of unemployment. Yet many people in poor and minority communitiesregardless of their creditworthinessfind credit hard to come by, making the climb out of poverty extremely difficult. How dire are the lending markets in these communities and what can be done to improve access to credit for disadvantaged groups? In "Credit Markets for the Poor," editors Patrick Bolton and Howard Rosenthal and an expert team of economists, political scientists, and legal and business scholars tackle these questions with shrewd analysis and a wealth of empirical data. "Credit Markets for the Poor" opens by examining what credit options are available to poor households. Economist John Caskey profiles how weak credit options force many working families into a disastrous cycle of short-term, high interest loans in order to sustain themselves between paychecks. Löic Sadoulet explores the reasons that community lending organizations, which have been so successful in developing countries, have failed in more advanced economies. He argues the obstacles that have inhibited community lending groups in industrialized countriessuch as a lack of institutional credibility and the high cost of establishing lending networkscan be overcome if banks facilitate the community lending process and establish a system of repayment insurance. "Credit Markets for the Poor" also examines how legal institutions affect the ability of the poor to borrow. Daniela Fabbri and Mario Padula argue that well-meaning provisions making it more difficult for lenders to collect on defaulted loans are actually doing a disservice to the poor in credit markets. They find that in areas with lax legal enforcement of debt agreements, credit markets for the poor are underdeveloped because lenders are unwilling to take risks on issuing credit or will do so only at exorbitant interest rates. Timothy Bates looks at programs that facilitate small-business development and finds that they have done little to reduce poverty. He argues that subsidized business creation programs may lure inexperienced households into entrepreneurship in areas where little profitable investment is possible, hence setting them up for failure. With clarity and insightful analysis, "Credit Markets for the Poor" demonstrates how weak credit markets are impeding the social and economic mobility of the needy. By detailing the many disadvantages that impoverished people face when seeking to borrow, this important new volume highlights a significant national problem and offers solutions for the future.
First time home buying is a special occasion in everyone's life. But because of the complexities around it, most people approach it with a mix of fear, anxiety and uncertainty. This book was written with the sole purpose of making the process easier and more predictable. The book tries to demystify the entire process by avoiding the jargon as much as possible. The book first helps you in deciding whether you are ready to buy or not and then gives a step by step instruction on what you can expect along the process should you decide to buy. The book has been authored by Shashank Shekhar who has more than 9 years of lending experience. He has earlier published the book "How to Buy your First Home in Bay Area" and is also the author of one of the country's leading mortgage blog.
The resource unlocks the door to the American dream - Home ownership.
Unlike other books which focus solely on the business or profit aspects of measuring the customer experience, this book focuses on the benefits to the consumer as well as the company or financial institution. The book describes how business and government can undertake market research to determine whether the credit and investment markets are functioning properly and providing consumers with adequate information to make sound and safe credit and investment decisions. A discussion of different market research methods abilities to uncover problems in the credit and investment markets is provided. Findings and trends from studies measuring the customers experience in the credit and investment markets during the 1991 - 2009 time periods are discussed along with regulatory guidelines and consumer protection laws. The methodologies used to measure the customer experience and detect misleading sales practices; unfair treatment and discrimination in the financial services market place are described in detail. The techniques of mystery shopping, matched pair testing and consumer surveys are described along with a detailed discussion of study design, data collection methods, sample size determination, statistical testing, reporting and analysis. Sample questionnaires, mystery shop scenarios and profiles and sample analyses and charts are provided.
What is a Foreclosure Mediator? A person who negotiates with the mortgage company to help the homeowner stay in their home. There are a number of ways to accomplish this which are detailed in the book in easy-to-understand language. The Foreclosure Mediation Training Guide presents a no-nonsense approach to teaching you how to set up a legitimate and honest Foreclosure Mediation service at home. With foreclosures soaring to record highs in almost all of the 50 states, you can be assured of never running out of work. Plus, you can receive an average fee of $2,000 per mediation (your fee normally is determined by the amount you are negotiating.) Additionally, bankruptcy attorneys are always looking for professional and well-trained Foreclosure Mediators - which is another avenue stream for income. Statistical surveys of bankruptcy attorneys showed that 65% of all bankruptcy clients are in some phase of foreclosure. So you can easily see how working as a Foreclosure Mediator will provide you with a steady stream of work as well as the potential to earn a very high income. And the best part is that this business can be set-up for less than $100. The Foreclosure Mediation Training Guide provides you with everything you need to set up your business. You will learn all the basics, plus get templates of sample forms, sample agreements, sample cover letters as well as marketing letters. ORDER TODAY.
The bank loan market has increased dramatically in recent years and is now viewed by some as a distinct asset class. This comprehensive book covers the structure of the market, secondary market in trading practices, and how to manage a bank loan portfolio.
This book is designed for the four-year university level; however, it enjoys much use in the professional, reference, and trade markets as well. This edition includes the 1986 Tax Laws Update, a new section on Decision Making, and discussion of new financing methods. New case studies added to satisfy reviewer demands.
The housing market, like any other investment, has always had its ups and downs. But ever since it started its upswing at the beginning of this decade, the ride has become more thrillingâand more dangerous. One day, home values are skyrocketing and cheap money is up for grabs; the next day, houses linger on the market and interest rates rise alarmingly high. Home buyers and sellers are beginning to recognize that however the market moves where they live, they must be prepared to make smart housing decisions.Written by veteran real estate reporter June Fletcher, House Poor teaches you everything you need to know to weather the ups and downs of the housing market, including:How to tell whether your hometown is likely to boom or bustWhen to take equity out of your houseHow to buy as a first-time home owner or as an investor during turbulent timesHow to protect your home investmentWhen and how to sell your homeToday's volatile housing market could make you house poor.This book will keep you house proud.
This book shows how to overcome one of the biggest obstacles for most moderate-income families considering the purchase of a manufactured home: obtaining favorable financing. The author explains in detail how to qualify for and obtain a loan under a little-known government-sponsored program that offers financing with no money down and the most favorable interest rates around.
This book gives tips and key points for all people who work for or one way or another connected to the business lending industry, whether it would be loan officers, loan trainees, real estate agents, loan brokers, or attorneys. It covers the topics of both credit reviewing and loan collection, a flow of a loan from its making stage to collection. For those in mortgage lending also, it will be an informative reading material. Even if you are a casual reader, you can find this book a good general education reading.
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