Beware of the bank
Solomon said “The borrower becomes the lender’s slave.” How true that can be.
Bankers in particular knew that ultra-low interest rates were unlikely to last for long without a recession or depression, as did most accountants and economists. The rates would probably rise instead. This would apply equally to a home loan, farm loan and business loan.
Most business loans and farm loans are for between 15 and 30 years. Most home loans are for 30 years. So borrowers are in there for the long haul and a lot can happen to interest rates in a year.
If in 2023 Australia goes into recession or depression, the properties providing mortgage security for loans would probably collapse and many borrowers would not have the assets to make up the required security. The other impact of a recession is worse, loss of jobs and income. The bank might try to foreclose and sell the property up. Those borrowers could lose all their hard earned equity in their home, business or farm.
If on the other hand interest rates continue to rise, the borrowers may find that they cannot afford the increased repayments. There are plenty of million- dollar loans out there throughout Australia. Each 1% increase in the interest rate on each $1m of a loan costs the borrower $10,000 a year.
To survive, the borrowers would have to earn an extra $10,000 in net disposable income. That is an extra $10,000 in pay-packet or an extra $10,000 Net Profit, per million dollars of the loan or a similar reduction in spending. But rising interest rates can be synonymous with inflationary increases in prices, so to earn extra net disposable income could be a serious challenge. If that happened, many borrowers would again be unable to meet the loan repayments.
Because the banks had already been clever enough to issue a variety of loans that were always unaffordable from the start, there is potential for a mass of debt defaults in 2023-2025. In these cases the banks could foreclose and overall mostly recover close to the amount they had loaned out, maybe even more because accumulated unpaid interest can take a debt way beyond what it started out as.
Profit before principles – always
The big four banks, having earned $2.8 billion dollars profit last year between them, could afford to lose a bit here or there. The borrowers given potentially unaffordable loans would not be so lucky.
Of course, there are some excellent smaller banks and bank staff at non-executive level are mostly very helpful and honest people.
Just to ensure that they were in control, the bankers had legislation passed by the last Federal Government to prevent many consultants from helping borrowers, particularly home buyers and other consumers. These borrowers are restricted by law from getting help from almost anyone not in the pay of the banking and financial services industry. Lawyers are an expensive exception. The aim of the banks is to send people to financial counsellors who receive bank funding and are not known for getting dishonest banks to write off debt that has been fraudulently created. The alternative is to receive assistance from the moneylenders’ very own industry body called AFCA which is so blatantly working for the banks that until recently the most compensation they would award was a maximum of $5,000. Recognising their own dishonesty AFCA, as the result of a critical review of its operations following the Banking Royal Commission, has increased that to $2 million. But it has not gone back over past cases to re-assess compensation and increase amounts from $1500 to $15,000 or even $150,000 when that was the damage done by the bank to the borrower.
Even restricted free speech
The bankers have even successfully banned free speech in Australia with the Credit act preventing any paid consultant outside of the ruthless, bullying bank-controlled circle of “dispute resolvers” from even speaking to a borrower about dishonest bank action or speaking to the bank about it on behalf of the borrower. “We have ways of resolving your dispute”. Indeed the bankers do!
The banking industry has stitched up control so that it can continue to rob, defraud and deprive borrowers just as it did before the Hayne Royal Commission exposed its dishonest practices and issued multi-million dollar fines. I don’t think it sent one bank director or CEO to gaol. Yet a woman who stole $2m from nab was quickly sentenced to imprisonment. Crooked bankers are well protected from gaol no matter how much they steal from or defraud Australians.
Batting for the borrowers
For the past 35 years since de-regulation, GBAC has worked steadfastly with business and farm borrowers, to have their banks write off unreasonable amounts of debt that were created by the bank’s improper lending practices, lies, deceit or totally inappropriate loan management. We have done that by working with those banks to carefully explain to them what they had done wrong and the impact it that had on their particular customers. The banks, some very willingly, and some very grudgingly, have paid up to compensate their customers for the damage caused to them by the bank’s action. We have had 100% of two debts written off and $5 million written off another. At least one bank CEO has been most helpful and really does care about his customers.
However, profit is key to bankers and that comes largely from charging customers more for the services, than it costs to provide them. People in Rural and Regional Australia and in the suburbs know about that. After the Royal Commission some of the banks had to come up with a clever way to continue to rip off their customers and they have found, in the Credit Act and AFCA, a way to do it.
However, we have very good parliaments in Australia, despite the impression often given in the media. The parliaments are our source of fairness and justice. Borrowers worried about how they will manage their loans throughout the years ahead will be able to easily take their cases to ALL parliamentarians by sending Votergrams to MPs.
Act Early
Meanwhile all borrowers might look closely at how to minimise risk by increasing their loan terms by some years to reduce the principal amount that is included in each repayment. They could also look around to see what cheaper loans might be available if they needed to refinance in the face of a bank demand for full repayment of the loan. LoanApps can help with that. It may, if possible, also be wise to cut expenses and do everything possible to increase income.
None of us knows what the future holds, but the Girl Guides and Boy Scouts have a great motto that could be followed to advantage by borrowers. It is “BE PREPARED”. I have found it invaluable in the farms and businesses I have run, as well as for helping those we consult.
Greg
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Delaware River Joint Toll Bridge Fee.
Each township is governed by a board of supervisors/commissioners.
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The mid-air collision killed thirteen people on the industrial airliner and two on the privately owned airplane.
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Secretary of Lebanon County Community Live performance Association.
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The term hospitality management stands for managing commercial organisations like motels, restaurants, cruise ships, spas and resorts.
A small water bowl that hooks to the inside of your French bulldog’s crate is nice additionally.
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First lady lawyer in Lebanon County to apply household legislation.
Washington, George. “George Washington to Continental Congress, December 27, 1776”.
Detained immigrants across three ICE services in New Jersey organized a hunger strike with 86 individuals being held in an ICE facility in Newark, New Jersey starvation placing and demanding their release given the shortcoming to curb the unfold of COVID-19 inside the facility.
Wolf, Colin. “‘Bill and Ted’s Wonderful Halloween Journey’ is coming to an finish at Common Studios Orlando”.
Flagstaff is an space “of great ecological variation” on account of its numerous habitat life zones.
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Just east of this area, the tornado crossed Spring Creek Avenue and weakened to high-end EF2 strength because it moved by means of another residential space.
Mr. Schweinle owned and operated the Houston Brick & Tile Firm from 1936 to 1976.
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There are many causes which may persuade you to plan your vacation on this city: initially, Cariati Marina has been awarded for four consecutive years with the blue flag, an vital prize awarded by Payment (Foundation for Environmental Schooling) to the cities that respect some given standards for water quality, the services offered and the environmental management.
Edith Bales,; three sons, Kendall, Leslie, and Jimmy Ray; two daughters, Mrs.
A harness may be complicated for a French bulldog pet when they are simply learning to follow your tugs.
Gamers have said that the altitude of Flagstaff was the key benefit, as well as seeing the dedication of fans traveling to the town, however that they didn’t get pleasure from residing in the NAU dorm rooms.
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Roy Holiday, brother of Lela, died in April 1978.
NL Pitchero says that “Gary Brabin, manager of Tranmere Rovers, has pulled off one thing of a second signing coup by bringing in 32-12 months-old Steve McNulty on loan from Luton Town with a view to a permanent switch. Born in Liverpool, the commanding centre-again brings a wealth of experience with him having received promotion on four events with three different clubs. At Barrow AFC, he captained the facet to promotion into the Conference, earlier than shifting and leading the Fleetwood City aspect from the Convention North into the Soccer League. He then moved to Luton and helped the Hatters to promotion out of the Conference in 2013-14 and turned club captain too at Kenilworth Street. McNulty has made a dozen appearances for John Nonetheless’s aspect this season. Brabin said, ‘This signing is a big plus for us. Steve is a local lad, a pacesetter and was in the League Two Crew of the 12 months final season. He’s the kind of participant and character that we want at the Club and I feel it strengthens our squad even more so I’m delighted to have the ability to deliver him right here.’ McNulty follows Friday’s arrival of Gary Taylor-Fletcher. The 34-12 months-previous attacker joins Rovers on a brief-term deal till the tip of the year and made a fantastic start with the opening objective in opposition to leaders Forest Green Rovers on Saturday. The forward has been and not using a club since his launch by Leicester Metropolis at the end of last season. Twice promoted into England’s top flight with Blackpool after which Leicester, Taylor-Fletcher brings a whole lot of expertise and has scored greater than a hundred objectives in his career so far”.
Aaron Sheinin (May 24, 2008).
Areas touching Bordentown Metropolis, MapIt.
Each work helps you improve your character however occasion administration is an business that develops something different in you.
Internment was in Riverside Cemetery.
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Commodore Free, 2011, difficulty 51, p 37.
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Burial providers 4 p.m.
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It was later dropped at gentle that the manufacturing facility had dedicated 12 OSHA safety violations in 2019, for which they were pressured to pay a fine of $9,810 (2019 USD); particular violations included one stating that safeguards throughout emergency situations should be working properly always, one stating that there had to be individuals who might perform first support and one stating that first support supplies have to be out there.
The Rev Malcolm J McCallum officiating.
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Jenkins Township is the most important municipality with a total area of 13.98 sq mi (36.2 km2).
In this variation, play might also proceed 4.Bf4 Bg7 5.e3 0-0, which is known because the Grünfeld Gambit (ECO code D83).
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Deter-Wolf, Aaron; Peres, Tanya M. (2012).
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Direct Journey is a privately-owned travel company providing services in business travel, meetings and incentives, group travel, and vacations.
The hospitality business covers a variety of organizations offering food service and accommodation.
Keep away from making your French Bulldog’s meals accessible at all the instances.
Meanwhile, the Nashville chapter of the Ku Klux Klan was established by Confederate veteran John W. Morton, who initiated Common Nathan Bedford Forrest.
Louisiana presents schooling assistance to surviving spouses of deceased veterans in addition to youngsters of 90 or higher disabled veterans and children of 100 disabled and unemployable veterans.
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If you are taking an escapade with your loved ones, discovering the perfect motels or fifteenth century castles or country villas in superior locales is not going to be an issue.
Philippe Étienne, the ambassador of France to the United States.
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Retrieved November 4, 2022.
These management corporations organises these leisure activities to make individuals relax after hectic conferences.
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Water quality has largely recovered in the years since.