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CONSUMER LOANS, CREDIT CARDS, AND REAL ESTATE LENDING - Coggle Diagram
CONSUMER LOANS, CREDIT CARDS, AND REAL ESTATE LENDING
Types of Loans
Credit Card Loans and Revolving Credit
New Credit Card Regulations
Nonresidential Loans
Installment Loans
Nonistallment Loans
Debit Cards: A Partial Substitute for Credit Cards
Residential Mortgage Loans
Home Equity loan
Home mortgage
Rapid Consumer Loan Growth: Rising Debt-to-Income Ratios
valuating a Consumer Loan Application
Deposit Balances
Pyramiding of Debt
Income Levels
Employment and Residential Stability
Character and Purpose
Pricing Consumer and Real Estate Loan
Interest Rate Attached to Nonresidential Consumer Loans)
Simple Interest
The Discount Rate Method
Annual Percentage Rate
TheAdd-On Loan Rate Method
The Cost-Plus Model
Rule of 78s
Interest Rates on Home Mortgage Loans
ARMs
Changing the customer mortgage points
FRMs