Risk-based pricing is a methodology adopted by many lenders in the mortgage and financial services industries. The interest rate on a loan is determined not only by the time value of money, but also by the lender's estimate of the probability that the borrower will default on the loan. A borrower who the lender thinks is less likely to default will be offered a better (lower) interest rate. This means that different borrowers will pay different rates.

PropertyValue
p:abstract
  • Risk-based pricing is a methodology adopted by many lenders in the mortgage and financial services industries. The interest rate on a loan is determined not only by the time value of money, but also by the lender's estimate of the probability that the borrower will default on the loan. A borrower who the lender thinks is less likely to default will be offered a better (lower) interest rate. This means that different borrowers will pay different rates. The lender may consider a variety of factors in assessing the probability of default. These factors might be characteristics of the individual borrower, like the borrower's credit score or employment status. These factors might also be characteristics of the loan; for example, a mortgage lender might offer different rates to the same borrower, depending on whether that borrower wished to buy a single-family house or a condominium. (en)
  • Risikobasert prising er en metode som brukes av mange långivere innen pantelån og finansielle tjenester. Rentesatsen på et lån bestemmes ikke bare av pengenes tidsverdi, men også av långiverens sannsynlighetsanslag for at låntakeren ikke vil være betalingsdyktig på lånet. En låntaker som anses som en sikker betaler, vil bli tilbudt en bedre (lavere) rente enn mer usikre låntakere. Dette betyr at ulike låntakere vil betale forskjellige rentebeløp. (no)
p:hasPhotoCollection
p:redirect3Property
p:wikiPageUsesTemplate
p:wikipage-no
rdfs:comment
  • Risk-based pricing is a methodology adopted by many lenders in the mortgage and financial services industries. The interest rate on a loan is determined not only by the time value of money, but also by the lender's estimate of the probability that the borrower will default on the loan. A borrower who the lender thinks is less likely to default will be offered a better (lower) interest rate. This means that different borrowers will pay different rates. (en)
  • Risikobasert prising er en metode som brukes av mange långivere innen pantelån og finansielle tjenester. Rentesatsen på et lån bestemmes ikke bare av pengenes tidsverdi, men også av långiverens sannsynlighetsanslag for at låntakeren ikke vil være betalingsdyktig på lånet. En låntaker som anses som en sikker betaler, vil bli tilbudt en bedre (lavere) rente enn mer usikre låntakere. Dette betyr at ulike låntakere vil betale forskjellige rentebeløp. (no)
rdfs:label
  • Risk-based pricing (en)
  • Risikobasert prising (no)
skos:subject
foaf:page
p:redirect