不符合要求的住房贷款可以简单地描述为家用或商用物业贷款的形式，通常不符合或与此有关, 坚持以大银行的标准贷款标准, 因为它目前存在. 事实上, 它不会是错误的说明它是往往不是, 不合格的贷款是什么叫做“黄金”家对面 (或商业地产) 贷款.
有几个原因，由于其贷款可以作为非确认一个面对面的人定期的同行被称为. 例如, it can also include a loan amount that is already substantially higher than the usual 符合贷款 limit for that bank for such mortgage loans. 它也可以是一个缺乏一定的信用太. 再有就是，而非正统的性质，参照使用这些资金, 考虑到还有.
总的来说, the very nature of property development (这包括住宅和商业物业太) 是资本密集度甚高且有涉及一定程度的风险. 这使得一般的银行和其他金融机构有点给予贷款，这样的房地产开发商而异, 而当他们这样做, 他们的标准是非常严格，他们还收取这些贷款大幅高息.
在很多这样的情况, several non-conforming loans can also be funded by different types of hard money lenders who would need the security of real and tenable property to back the loan. 由于房地产开发商已经与房地产工作更容易为他或她拿出了同样的必要保障. 这种非确认贷款广泛认为是当中许多不同的私人金融机构以及放债人最常用的物业贷款方案. 事实上, a really large portion of property related loans are basically qualified as being non-conforming ones because of the fact that the prospective borrower’s financial condition or the type of property he intends to invest in generally does not meet the more mainstream bank’s overall guidelines, as such. This is the part where stamfordcapital.com.au comes into the picture, since they are singularly adept at the disbursement of many such non confirming loans to up and coming property developers in Australia.
In the wake of the global property market crisis a decade back, banks and other mainstream financial institutions have slowly but steadily increased their criteria for the disbursement of many such large scale loans that they used to give to borrowers in the real estate and poverty development sector. 这是因为他们的坏帐先天恐惧, 以防万一，酒店的价格崩溃和开发商宣布破产.