insured lending
[ɪnˈʃʊrd ˈlɛndɪŋ]
nounpl: insured lendings
empréstimo segurado
1. A loan or credit facility where the lender is protected against default risk through insurance coverage, typically provided by a third-party insurer or government agency
The bank offered insured lending programs to encourage lending to small businesses with limited credit history.
O banco ofereceu programas de empréstimo segurado para incentivar empréstimos a pequenas empresas com histórico de crédito limitado.
2. A lending arrangement where the borrower's ability to repay is guaranteed by an insurance policy or credit guarantee
Insured lending made it easier for first-time homebuyers to qualify for mortgages.
O empréstimo segurado tornou mais fácil para os compradores de primeira casa se qualificarem para hipotecas.
Insured lending is a significant financial mechanism in both Brazilian and American banking systems. In the USA, programs like FHA-insured mortgages and SBA-guaranteed loans are common. In Brazil, insured lending is often used to mitigate credit risk in a market with higher interest rates and default risks, particularly for agricultural financing and small business lending through programs supported by government agencies like BNDES.
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