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- Risk-based_pricing abstract "Risk-based pricing is a methodology adopted by many lenders in the mortgage and financial services industries. It has been in use for many years as lenders try to measure loan risk in terms of interest rates and other fees. 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. In theory, borrowers who are safer—or who are engaged in safer activities—should be more likely to borrow and resources should therefore be allocated more efficiently.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.Concerns have been raised about the extent to which risk-based pricing increases borrowing costs for the poor, who are generally more likely to default, and thereby further increases their likelihood of default. Some supporters of risk-based pricing have argued that, at least in certain contexts, default prediction should be limited by ethical considerations and focus on factors that are under borrowers' control.".
- Risk-based_pricing wikiPageID "447068".
- Risk-based_pricing wikiPageLength "4972".
- Risk-based_pricing wikiPageOutDegree "15".
- Risk-based_pricing wikiPageRevisionID "641378203".
- Risk-based_pricing wikiPageWikiLink Bait-and-switch.
- Risk-based_pricing wikiPageWikiLink Bait_and_switch.
- Risk-based_pricing wikiPageWikiLink Category:Mortgage.
- Risk-based_pricing wikiPageWikiLink Condominium.
- Risk-based_pricing wikiPageWikiLink Credit_score.
- Risk-based_pricing wikiPageWikiLink Financial_service.
- Risk-based_pricing wikiPageWikiLink Financial_services.
- Risk-based_pricing wikiPageWikiLink House.
- Risk-based_pricing wikiPageWikiLink Loan_amount.
- Risk-based_pricing wikiPageWikiLink Loan_purpose.
- Risk-based_pricing wikiPageWikiLink Mortgage_loan.
- Risk-based_pricing wikiPageWikiLink Predatory_lending.
- Risk-based_pricing wikiPageWikiLink Probability_of_default.
- Risk-based_pricing wikiPageWikiLink Property_use.
- Risk-based_pricing wikiPageWikiLink Time_value_of_money.
- Risk-based_pricing wikiPageWikiLinkText "Risk-based pricing".
- Risk-based_pricing wikiPageWikiLinkText "risk based pricing".
- Risk-based_pricing wikiPageWikiLinkText "risk-based pricing".
- Risk-based_pricing wikiPageWikiLinkText "risk-based".
- Risk-based_pricing hasPhotoCollection Risk-based_pricing.
- Risk-based_pricing wikiPageUsesTemplate Template:Multiple_issues.
- Risk-based_pricing wikiPageUsesTemplate Template:Redirect.
- Risk-based_pricing wikiPageUsesTemplate Template:Reflist.
- Risk-based_pricing subject Category:Mortgage.
- Risk-based_pricing hypernym Methodology.
- Risk-based_pricing type Article.
- Risk-based_pricing type Software.
- Risk-based_pricing type Article.
- Risk-based_pricing comment "Risk-based pricing is a methodology adopted by many lenders in the mortgage and financial services industries. It has been in use for many years as lenders try to measure loan risk in terms of interest rates and other fees. 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.".
- Risk-based_pricing label "Risk-based pricing".
- Risk-based_pricing sameAs Risikobasert_prising.
- Risk-based_pricing sameAs m.029jfg.
- Risk-based_pricing sameAs Q7336209.
- Risk-based_pricing sameAs Q7336209.
- Risk-based_pricing wasDerivedFrom Risk-based_pricing?oldid=641378203.
- Risk-based_pricing isPrimaryTopicOf Risk-based_pricing.