Last Updated：2025/12/30
Sentence
On
top
of
all
this,
banks
are
prying
less
into
the
private
lives
of
their
mortgage
applicants.
Traditionally,
lenders
wished
to
know
something
of
the
borrowers'
background—their
jobs,
their
wealth
and
soforth.
In
an
age
of
perennially
rising
home
prices,
these
tedious
details
could
be
dispensed
with.
"Low
doc"
and
"no
doc"
loans
have
proliferated.
One
mortgage
provider,
HCL
Finance,
advertises
itself
as
the
"home
of
the
'no
doc'
loan."
Among
the
products
listed
on
its
Web
site
is
the
NINJA
loan:
Even
borrowers
with
"No
Income,
No
Job
and
No
Assets"
are
welcome
to
apply.
Quizzes for review
On top of all this, banks are prying less into the private lives of their mortgage applicants. Traditionally, lenders wished to know something of the borrowers' background—their jobs, their wealth and soforth. In an age of perennially rising home prices, these tedious details could be dispensed with. Low doc
and no doc
loans have proliferated. One mortgage provider, HCL Finance, advertises itself as the home of the 'no doc' loan.
Among the products listed on its Web site is the NINJA loan: Even borrowers with No Income, No Job and No Assets
are welcome to apply.
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