Anna Maria Andriotis

speaker

3,396 appearances 52 recordings 1 series first heard Jul 2017 last heard Dec 2022

Anna Maria Andriotis’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Why More Subprime Borrowers Are Defaulting on Their Loans · 19 May 2022 podcast

So there's this sort of knock-on effect where when delinquencies go up, in particular with non-bank loans, those loans can become more expensive. matched

Interest rates can go up because more of sort of the risk is being factored into these loans, the risk of default. matched

Or, and sometimes simultaneously, there can be a pullback in the availability of credit. matched

So it can become harder for people with low credit scores to get approved for credit. matched

Thank you. matched

WSJ Your Money Briefing · Personal Loans Make a Comeback: What You Need to Know Before Borrowing · 3 May 2022 podcast

Personal loans do have set end payment dates.

So unlike credit card debt, you know, people can find personal loans a lot more manageable because there's a fixed payment that's required every single month.

Great to be speaking with you.

Personal loans are taken out for a variety of reasons.

They include consolidating credit card debt, basically moving existing credit card balances into one loan with a fixed payment and a fixed end date.

But they also include a variety of purchases and expenses, things like paying for home renovations, paying for vacation,

Really, personal loans can be used for almost anything.

They are meant to essentially finance expenses that people either don't have the money on hand to pay for those purchases in full right now, or people who just basically want to spread out their payments over time rather than putting up front cash.

In many cases, lenders don't even ask or don't require writing on the application form what the person is using the personal loan for.

But essentially what happens is when the consumer is approved and they take on the loan, the lender will deposit the entire loan amount into the consumer's bank account and they will have a monthly payment to make to that lender for a set number of months until the loan is paid off.

In most cases, it's an unsecured loan.

So unlike a car loan that's tied to the car, and if the consumer doesn't pay their car loan, their car will get repossessed.

Also, same with a mortgage, the asset's tied to the house.

So if the

If a consumer doesn't pay their mortgage, they will likely lose their house.

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