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Industrial & Commercial Bank of China Ltd., the world’s biggest lender by assets, reported the first decline in its bad-loan ratio since 2012 in the second quarter as the bank raced to dispose of.

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A mortgage refinance replaces your home loan with a new one. People refinance to save money, tap the home’s equity or trade an ARM for a fixed-rate loan.. Small business loans Bad credit.

Chinese banks had the biggest quarterly increase in bad loans since 2005 as a slowdown in the world. compared with the Hang Seng’s 0.6 percent decline. China Construction Bank Corp., the second.