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This, plus a regulatory directive by the CBK issued in 2015 that forced banks to set aside money for Non-Performing Loans (NPL) from their profits has resulted in a tighter operation environment which has had an effect on the performance of the sector. To annualize this cumulative return, it is divided by the dollar-weighted average age of the loans in days and then multiplied by 365. Online Home Loans is a mortgage broker service which can help find home loans for first home buyers, established home owners seeking to access their equity, investors, the self-employed and bad credit borrowers. LendingClub loans assign a letter grade which corresponds to an interest rate, similar to Best Egg.

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