subprime
subprime lending
风险借贷
Subprime lenders often depend on credit to make the loans.
次级贷方通常依靠信用度来贷款。
Subprime borrowers are people without strong credit histories.
次级贷款者通常没有很强的信用基础。
Subprime
A classification of borrowers with a tarnished or limited credit history. Lenders will use a credit scoring system to determine which loans a borrower may qualify for. Subprime loans carry more credit risk, and as such, will carry higher interest rates as well. Approximately 25% of mortgage originations are classified as subprime.
Investopedia Says:
Occasionally some borrowers might be classified as subprime despite having a good credit history. The reason for this is because the borrowers has elected to not provide verification of income or assets in the loan application process.
The loans in this classification are called stated income and/or stated asset (SISA) loans or even no income/no asset (NINA) loans.
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