ease of borrowing

USAGE SUMMARY

The phrase "ease of borrowing" is correct and usable in written English.
It can be used when discussing the accessibility or simplicity of obtaining loans or credit. Example: "The ease of borrowing has increased significantly due to lower interest rates and more flexible lending criteria."

✓ Grammatically correct

News & Media

Formal & Business

Wiki

Human-verified examples from authoritative sources

Exact Expressions

6 human-written examples

It's the ease of borrowing and the paucity of saving.

The Guardian

The ease of borrowing has made it possible for many people to live beyond their means.

The New York Times

In the United States, the ease of borrowing has not made it politically easier to increase the pace of spending.

The New York Times

Adverts tend to stress the swiftness and ease of borrowing, with promises of lending decisions and financial transfers within minutes.

The Guardian - Money

In America, Britain and Australia, the ease of borrowing and the availability of housing-equity withdrawal have played a big role in translating gains in house prices into spending.

The Economist

Along the way the public perception of liquidity changed, from one based on assets (what you could sell) to one centred on liabilities (ease of borrowing).He marvels at how quickly finance forgets, as it did after the near-collapse of Long-Term Capital Management, a highly leveraged hedge fund, in 1998.

The Economist

Human-verified similar examples from authoritative sources

Similar Expressions

53 human-written examples

The European Central Bank bought Italian and Spanish government bonds for the first time, causing the yields on those maturities to drop and easing the cost of borrowing for Italy and Spain, but the intervention provided little relief for investors elsewhere.

The Economist

Arguably the most important development in the crisis — an easing of borrowing costs — was largely the result of pledges made last summer by the European Central Bank to do whatever it took to save the single currency.

The New York Times

The Greek stock exchange shot up by 9 per cent while the price of Greek government debt also rallied strongly, easing down the country's cost of borrowing.

Independent

Creating new money to buy government debt, or quantitative easing (QE), should reduce the cost of borrowing.

BBC

The minister said credit conditions were easing but that small businesses were still complaining about the cost of borrowing from banks.

The Guardian - Business

Expert writing Tips

Best practice

When discussing economic trends or financial policies, use "ease of borrowing" to objectively describe the accessibility of credit, but provide context around potential implications.

Common error

Avoid presenting "ease of borrowing" solely as a positive factor; acknowledge potential risks such as increased debt or financial instability. Always consider the broader economic impact.

Linguistic Context

The phrase "ease of borrowing" functions primarily as a noun phrase, describing the accessibility and simplicity of obtaining loans or credit. Ludwig examples show it used in discussions of economic policy and financial conditions. As Ludwig AI confirms, the phrase is grammatically sound.

Expression frequency: Uncommon

Frequent in

News & Media

58%

Formal & Business

17%

Wiki

13%

Less common in

Science

8%

Reference

0%

Encyclopedias

0%

Ludwig's WRAP-UP

The phrase "ease of borrowing" describes how accessible and simple it is to obtain loans or credit. It is grammatically correct and commonly used in news, business, and financial contexts. As Ludwig's examples show, it's frequently used to analyze economic trends, discuss monetary policies, and assess their impact on spending and investment. Ludwig AI confirms the phrase's correctness and usability. When using this phrase, it's crucial to consider the broader economic implications and avoid presenting it solely as a positive factor. Alternatives such as "accessibility of credit" or "simplicity of obtaining loans" can be used to emphasize different aspects of the concept.

More alternative expressions

Phrases that express similar concepts, ordered by semantic similarity:

accessibility of credit

This alternative focuses on how accessible or available credit is.

simplicity of obtaining loans

This emphasizes the straightforward nature of getting a loan.

convenience of borrowing funds

This highlights the ease and convenience associated with accessing borrowed money.

low cost of credit

This focuses on the financial aspect, emphasizing the affordability of borrowing.

easy access to financing

This alternative centers on the uncomplicated route to secure financing.

relaxed lending conditions

This highlights the looser or less stringent requirements for borrowing.

readily available credit

This emphasizes the immediate availability of credit resources.

straightforward loan application process

This focuses on the simplicity and ease of the loan application.

uncomplicated borrowing process

This emphasizes the lack of complexity in the borrowing procedure.

effortless credit acquisition

This highlights the ease and minimal effort required to obtain credit.

FAQs

What does "ease of borrowing" mean in economics?

In economics, "ease of borrowing" refers to how simple it is for individuals, businesses, or governments to obtain loans or credit. It's influenced by factors like interest rates, lending criteria, and government policies.

How does quantitative easing relate to the "ease of borrowing"?

Quantitative easing (QE) is a monetary policy that can increase the "ease of borrowing" by injecting money into the financial markets. This can lower interest rates and encourage lending, making it easier for entities to borrow money.

What are some potential consequences of making borrowing too easy?

While "ease of borrowing" can stimulate economic activity, it can also lead to over-indebtedness, asset bubbles, and financial instability if not managed carefully. Balancing accessibility with responsible lending practices is key.

What can I say instead of "ease of borrowing"?

You can use alternatives like "accessibility of credit", "simplicity of obtaining loans", or "convenience of borrowing funds" depending on the context.