Цитата:
Сообщение от Spectator
А вся разница в банке - зависит только от зарплаты обратившегося в него клиента
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те уже не от штата разница зависит а от зп ))))
вот ты меня повеселил сегодня.
Цитата:
Сообщение от Spectator
от решений, принимаемых руководством страны.
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ну подкину тебе трохи. Вся информация об обратившимся за лоаном передается в гос структуры, где анализируется и тд.
а вот те список того что передается
The date of application
The loan type (conventional loan, FHA loan, VA loan or a loan guaranteed by the Farmers Home Administration)
The type of property involved (single-family, multifamily)
The purpose of the loan (home purchase, home improvement, refinancing)
Owner occupancy of the property (owner occupied or non-owner occupied)
The loan amount
Whether or not the application was a request for pre-approval
The type of action taken (approved, denied, withdrawn, etc.)
The date of action taken
The location (state, county, MSA and census tract) of the property
The ethnicity (Hispanic or non-Hispanic) of the borrower(s)
The race of the borrower(s)
The gender of the borrower(s)
The gross annual income of the borrower(s)
If the loan was subsequently sold in the secondary market, the type of entity that purchased it[citation needed]
If the loan was denied, the reason why it was denied (this field is optional for entities not regulated by the Office of the Comptroller of the Currency)
Rate Spread (Rate spread is a metric that assists in reporting if the rate given to the borrower is above a certain threshold of the prevailing rates at the time of the application)
If the loan is or is not subject to the Home Ownership and Equity Protection Act of 1994
Lien status of the loan (1st or 2nd lien)
те гос-во очень даже держит руку на пульсе банковском