After the effects of financial crisis, various causes of the catastrophe have been proposed, with different weight assigned by experts. The crisis is said to have resulted from high risk complex monetary products, failure of regulators, hidden conflicts of interests, credit rating agencies, among other factors. The Glass-Steagall Act of 1999 is also blamed to have effectively scrapped the separation between depository banks and investment banks within United States. Critics claimed that investors and credit rating agencies failed to correctly put the risk attached with mortgage-associated financial products whereby the governments did not change their regulatory exercises to tackle the problem of 21-st century financial markets. Research of what caused the financial crisis has likewise concentrated on the duty of interest rate spreads. To date, applying and acquiring credit-based loans is not easier and faster than before. Small business owners have thus turned into other sources of lending particularly the stock loan. One of the key companies that have been furnishing clients with stock-based loans while applying stock as security is Equities First Holdings. Potential investors can get quick and affordable working capitals whereby the loans come with small interests approximately between 3% and 4% and paid within a period of 3 years. Click Here for more .
The immediate trigger or cause of the 2008 financial crisis was the US housing bubble with bursting effects accelerating in 2006 to 2007. Also, the adjustable-rate mortgages (ARM) and already-rising default rates towards “subprime” started increasing fast thereafter. Simple access of credit within US, fueled by big inflows of foreign cash following the Asian financial crisis and Russian debt crisis of 1997 to 1998 contributed to debt-financed consumer spending and housing construction booming. As banks commenced to issue more loans to capable home owners, prices in housing started to rise. Escalating real estate costs and lax lending standards has likewise facilitated to the real estate bubble. Today, numerous investors are benefiting from Equities First services with the company enjoying a period of 15 years. Equities First at LinkedIn .