HVB’s preference for loans secured by anti-cyclical collateral, the power of Confessions of Judgements in PA law, and conservative guardrails such as minimum FICO/debt-to-income ratio for underwriting consumer loans.
12/
HVB对由反周期抵押品担保的贷款的偏好，PA法律中的判决供认权，以及保守的护栏，如承销消费贷款的最低FICO/债务收入比。
12/