savings and loan - definitie. Wat is savings and loan
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Wat (wie) is savings and loan - definitie

TYPE OF FINANCIAL INSTITUTION
Thrift institutions; Savings and loan; Savings and Loan; Savings and Loan Association; Savings and loan associations; Savings associations; Savings association; Building and loan; Building and loan association; Thrift industry; Thrift bank; Savings and loans; Building and Loan

savings and loan         
n. a banking and lending institution, chartered either by a state or the federal government. Savings and loans only make loans secured by real property from deposits, upon which they pay interest slightly higher than that paid by most banks. In the early 1980s savings and loans were "de-regulated," allowing them to make loans for speculative land development, removing high reserve funds requirements, and allowing their funds to participate in competition with banks. The result was use of many savings and loans for speculative and dishonest investments, lack of controls and tremendous losses to thousands of depositors. However, a properly managed, conservative savings and loan which concentrates on real estate loans guaranteed by the FHA (Federal Housing Administration) and/or sold in the secondary mortgage market can be safe, profitable and provide a valuable channel for savings into the home finance market.
savings and loan         
also savings and loans
A savings and loan association is a business where people save money to earn interest, and which lends money to savers to buy houses. Compare building society
. (mainly AM BUSINESS)
N-SING: usu N n
savings and loan         
(also savings and loan association)
¦ noun (in the US) an institution which accepts savings at interest and lends money to savers.

Wikipedia

Savings and loan association

A savings and loan association (S&L), or thrift institution, is a financial institution that specializes in accepting savings deposits and making mortgage and other loans. The terms "S&L" or "thrift" are mainly used in the United States; similar institutions in the United Kingdom, Ireland and some Commonwealth countries include building societies and trustee savings banks. They are often mutually held (often called mutual savings banks), meaning that the depositors and borrowers are members with voting rights, and have the ability to direct the financial and managerial goals of the organization like the members of a credit union or the policyholders of a mutual insurance company. While it is possible for an S&L to be a joint-stock company, and even publicly traded, in such instances it is no longer truly a mutual association, and depositors and borrowers no longer have membership rights and managerial control. By law, thrifts can have no more than 20 percent of their lending in commercial loans—their focus on mortgage and consumer loans makes them particularly vulnerable to housing downturns such as the deep one the U.S. experienced in 2007.

Voorbeelden uit tekstcorpus voor savings and loan
1. The year was 1'8', the challenge the savings–and–loan crisis.
2. Keating‘s Lincoln Savings and Loan sold worthless, high–risk junk bonds.
3. He had arrived just in time for the second savings–and–loan crisis.
4. The current episode echoes Dochow‘s involvement in the collapse of Lincoln Savings and Loan.
5. I look at history, such as the savings–and–loan problem.