THE TRUMP CASE IS THE CORRUPT EXPLOITATION OF A BROKEN AND POISONED JUDICIAL SYSTEM.
ONE DOESN'T OVERVALUE HIS PROPERTY FOR A COMMERCIAL LOAN.
IT'S UP TO THE LENDING INSTITUTIONS FOR APPROVAL.
MANY COMMERCIAL LOANS ARE UNSECURED REQUIRING NO COLLATERAL
WITH REGARDS TO SECURED COMMERCIAL LOANS: IN ORDER TO ENSURE THAT THE PARTICULAR COLLATERAL PROVIDES APPROPRIATE SECURITY, THE LENDER WILL WANT TO MATCH THE TYPE OF COLLATERAL WITH THE LOAN BEING MADE. THE USEFUL LIFE OF THE COLLATERAL WILL TYPICALLY HAVE TO EXCEED, OR AT LEAST MEET, THE TERM OF THE LOAN.
IF THE COLLATERAL IS REAL ESTATE, THE SEARCH OF PUBLIC RECORDS IS OFTEN DONE BY A TITLE INSURANCE COMPANY. THE COMPANY PREPARES A "TITLE REPORT" THAT REVEALS ANY PRE-EXISTING RECORDED SECURED INTERESTS OR OTHER TITLE DEFECTS.
TO FURTHER LIMIT THEIR RISKS, LENDERS USUALLY DISCOUNT THE VALUE OF THE COLLATERAL SO THAT THEY ARE NOT EXTENDING 100 PERCENT OF THE COLLATERALS HIGHEST MARKET VALUE. THIS RELATIONSHIP BETWEEN THE AMOUNT OF MONEY THE BANK LENDS TO THE VALUE OF THE COLLATERAL IS CALLED THE LOAN-TO-VALUE RATIO. THE TYPE OF COLLATERAL USED TO SECURE THE LOAN WILL AFFECT THE BANKS ACCEPTABLE LOAN-TO-VALUE RATIO.