Lending Freeze

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Dictionary Says

Definition of 'Lending Freeze'

A period of time when banks either do not have excess money to loan or implement strict rules regarding loan qualification so that less lending is approved. This is a protective measure by the banks to ensure that they do not run out of capital or expose themselves to increased risk. The result is that borrowers have less access to loans, and therefore are unable to secure a mortgage, an automobile loan or business loans, which can negatively impact hiring and expansion.
Investopedia Says

Investopedia explains 'Lending Freeze'

Lending freezes occur when banks need to protect against further losses. Banks may not halt lending altogether, but will become more selective when it comes to handing out loans. The credit crisis of 2007-2008 forced companies to make difficult choices; without access to loans, many corporations were forced to make large-scale layoffs, while individuals had very little chance to secure credit.
Search results for

'Lending Freeze'

  • Understanding The Basel III International Regulations

    http://www.investopedia.com/articles/economics/10/understanding-basel-3-regulations.asp
    ... Banks will have until 2019 to implement these changes, giving them plenty of time
    to do so and preventing a sudden "lending freeze" as banks scramble to ...

  • Rate Freeze To Cool Mortgage Meltdown

    http://www.investopedia.com/articles/07/rate-freeze.asp
    ... Bankers Association to as few as 145,000 estimated by The Center for Responsible
    Lending. In this article, we'll shed some light on the rate freeze plan that ...

  • Banking Stress Spreads To India's ICICI

    http://stocks.investopedia.com/stock-analysis/2008/Banking-Stress-Spreads-To-Indias-ICICI-IBN-HBC-HDB1105.aspx
    ... Consumer lending exploded in India and delinquencies are starting to rise, bad news
    for providers ... even if some of the increase is due to a global freeze-up in ...

  • Protect Yourself From HELOC Fraud

    http://www.investopedia.com/articles/mortgages-real-estate/09/heloc-fraud.asp
    ... and other reasons for checking your credit rating in The Importance Of Your Credit
    Rating.) As a more extreme measure, you could also get a credit freeze. ...

  • Lessons Learned: Comparing The Japanese And US Bubbles

    http://www.investopedia.com/articles/economics/10/japan-us-bubble-lessons.asp
    ... Easy credit and easier bank lending helped encourage excessive infrastructure spending,
    housing creation, export activity and rising equity prices - all of ...

  • The Impact Of Recession On Businesses

    http://www.investopedia.com/articles/economics/08/recession-affecting-business.asp
    ... the manufacturer will cut back on hiring new employees, or freeze hiring entirely ...
    be serviced and cannot be repaid as agreed upon in the lending contract, then ...

  • How can I improve my credit score?

    http://www.investopedia.com/ask/answers/07/improve-credit-score.asp
    ... accessing your credit report without your permission, you can freeze your credit ...
    Credit lending institutions will look at the total amount of credit room you ...

  • Liquidity And Toxicity: Will TARP Fix The Financial System?

    http://www.investopedia.com/articles/economics/08/tarp-financial-system.asp
    ... Meanwhile, interbank lending froze up as banks became suspicious of investments ...
    minimizing homeowner foreclosures (For related reading, see Rate Freeze To Cool ...

  • Credit Scams To Watch Out For

    http://www.investopedia.com/articles/pf/08/credit-scams-online.asp
    ... with poor credit can get low interest loans from legitimate lending institutions ...
    you visited is fraudulent, contact the genuine company and freeze your accounts ...

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