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On top of that, notes Megan, small loans are labor-intensive: the fixed costs of processing such things are high as a percentage of the principal amount, and the kind of people who take out such loans are, in the parlance of retail banking, high touch.
This is a major change from the original HARP.
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The all bank survey did not obtain data at this granular level but 53 percent of the respondents reported that the total cost of credit on at least some loans was above 36 percent.
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ZIP codes near East Setauket
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