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But analysts issued a health warning instead. "Lower rates, and especially a flat yield curve — short-term rates similar to long-term rates — are very tough for banks because they cannot make that interest rate spread on mortgages, " said Raul Elizalde, chief investment officer and president at Path Financial. "Riskier loans may or may not be a source of alternative profits. " Dick Bove, chief strategist at Odeon Group, said banks could take the "easy road" by restricting lending as margins are squeezed, a policy that could indirectly push the US into a "significant recession. " Some could even follow the lead of JPMorgan, which is now selling loans at a profit instead of lending, he said. "The Fed will have no power to stimulate growth in this instance, " Bove said. "It can cut rates all it chooses, but if the banks simply refuse to lend, the rate cuts will only further stimulate the banks' unwillingness to lend and the desire to sell loans. " Bove further warned: "At present, the pressure to take this path is rising. "
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However bear in mind that the Chinese consulate may require you to visit the Visa Office in person if additional information is required from you. PAY and COLLECT visa on given date Hints and tips for apply for a Chinese visa Remember that your visa application form should be typed, not hand-written. Otherwise, the security guard won't even let you in. You do not need an appointment to submit a Chinese visa application The Chinese consulate in Houston does not accept the following mailed in application / online applications / fax applications. You or your agent may pick up your passport with visa on the specified date printed on the Pick-up slip. You must pay the visa fee once your application is processed and approved. How long does it take to process Chinese visa The regular visa service takes 4 business days The express visa service takes 2-3 business days The rush visa service takes 1 business day. This is only available in urgent applications, documentation maybe required to support application.
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