Sentence examples for tests for borrowers from inspiring English sources

The committee said it could force banks to change their lending criteria, impose additional capital requirements and make recommendations to the regulators on tightening affordability tests for borrowers.

The mortgage market review (MMR) brought in new affordability tests for borrowers, with lenders examining outgoings as well as incomes and checking that monthly repayments could be afforded even at a higher interest rate.

The pick-up in lending follows a slowdown in the wake of the mortgage market review in April, which brought in new rules on affordability tests for borrowers and forced lenders to "stress test" applicants to ensure that they could still meet repayments if interest rates rise.

The second big change the S.B.A. is considering, eliminating the agency's so-called "personal resources test" for borrowers, could have more profound effects.

On Monday, the Canadian government said it would also introduce a "stress test" for insured borrowers in hopes of injecting greater stability into the country's housing market.

The crisis has clearly prompted changes to risk management and underwriting practices: more emphasis on affordability, more rigorous stress-testing, better pricing for borrowers with more equity to put in.

In addition, the administration's antiforeclosure programs established specific tests for participating banks to use in evaluating borrowers for loan modifications, and then required banks to offer new loan terms to all eligible borrowers.

But relief for borrowers is at hand.

Payment shock for borrowers is nigh.

Still, there may be hope for borrowers.

That reduces interest rates for borrowers, too.