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Payday loans,payday loans online,online payday loans,online loans,payday advance,cash advance,online payday loan,cash advance online,payday loans for bad credit, nightclubs face extinction without urgent government intervention online payday loan But this year’s stress test raised the bar even further. In Vancouver, for example, the stress test added almost $36,000 to the qualifying income needed to buy an…

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online payday loan Photo by Michael Hewitt The FA/The FA via Getty ImagesThe Hoddle of Coffee: Tottenham Hotspur news and links for Monday, March 8Photo by Michael Hewitt The FA/The FA via Getty Images Hey, everyone! That’s defender Shelina Zadorsky at the top today. Ramble of the Day Last week, someone brought to my attention a Boston magazine article spotlighting something called an open concept bathroom. That’s right, an open concept bathroom.online payday loan

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online payday loans As at least three of the major banks investigate allegedly dodgy loans to Chinese buyers, LF Economics founder Lindsay David says fraudulent lending is rife in Australia property market and that we should all be scared.NAB is the latest bank to launch an investigation after receiving a tip off about a mortgage broker involved in a new tower development in Melbourne Southbank.It comes as lenders instruct brokers to stop lending to overseas borrowers, after Westpac and ANZ launched an investigation into suspect loans worth almost $1 billion.But Mr David believes the practice of doctoring paperwork on home loans is much broader than the banks would have us think.NAB has been told a broker used Photoshop to inflate figures on pay slips and bank statements in order to secure loans for overseas buyers.DODGY LOANSWhile the practice has long been portrayed as the work of a few bad apples in the competitive mortgage broking industry, evidence is emerging that senior banking employees themselves may be involved in mortgage fraud.Last month, ABC business journalist Elysse Morgan revealed that her loan documents had been tampered with, telling Four Corners that she got them back from the bank to find that her income had been inflated was a line that says monthly income and for my husband it was correct, but for me it was inflated by around 38 per cent, Ms Morgan said.It may sound extraordinary, but Ms Morgan is not alone. Hundreds of mum and dad borrowers have contacted the Banking and Finance Consumers Support Association with claims that lenders have forged their signatures on loan documents, with details of their personal income and assets bumped up by hundreds of thousands of dollars.BFCSA President Denise Brailey says she has reported hundreds of such cases to the financial services regulator, ASIC.Borrowers come to her for advice when they find themselves saddled with massive debts and their homes repossessed, after being sold loans that are beyond their ability to pay.The Big Short Picture: Paramount”>Are we on the verge of a meltdown in the style ofThe Big Short Picture: ParamountSource:SuppliedWHY IT MATTERSWhen Ms Morgan saw that her income had been inflated, even though she was a pretty good salary she wondered: in the interest of the organisation or the institution to prop that up only got to think to yourself, they taking it from a double A to a triple A rating she said.That exactly what Mr David believes is going on, and he warns of an impending disaster on the scale of the collapse of the United States housing bubble that sparked the global financial crisis of 2007 8.If the banks are massaging the numbers on people loans to make them look more creditworthy, this would allow them to secure credit more cheaply from the institutions that lend to them.The Australian economy relies on credit from these overseas sources to function, and the integrity of the banking system, including loanbook serviceability, is critical to the ongoing supply of capital that keeps the nation running.think we just scratching the surface on this, he said. The biggest problem facing the economy.online payday loans

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