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WASHINGTON (Reuters) - Banks in the United States kept tightening lending standards and terms for both business and consumer loans over the past three months out of concern about a weakening economic outlook, according to a Federal Reserve survey issued on Monday. ADVERTISEMENTThe April survey of senior loan officers at 56 domestic banks and 21 U.S. branches and agencies of foreign banks also underlined that demand for loans from businesses and consumers was weaker -- though not as markedly as in January."Substantial majorities of domestic and foreign respondents pointed to a less favorable or more uncertain economic outlook and to a worsening of industry-specific problems as reasons for tightening their lending standards on C&I (commercial and industrial) loans over the past three months," the Fed said.Harm Bandholz, an economist with UniCredit Markets, said the Fed findings implied that a broad-based credit crisis "has spilled over to the real economy and will continue to weigh on investment and consumer spending for some time."diablo 2 cd keydiablo 2 cd keydiablo 2 cd keywow goldwow goldwow goldworld of warcraft goldworld of warcraft goldworld of warcraft goldbuy wow goldbuy wow goldbuy wow goldcheap wow goldcheap wow goldcheap wow goldwow power levelingwow power levelingwow power levelingwow powerlevelingwow powerlevelingwow powerlevelingmaple story mesosmaplestory mesosmaple story meso2moons dil2moons goldage of conan goldaoc goldaoc power levelingage of conan power levelingaoc levelingaion goldbuy aion goldaoc goldaoc power levelingaoc levelingaoc goldaoc power levelingaoc levelingaoc goldaoc power levelingaoc levelingThat will be accentuated by declining job opportunities, Bandholz suggested. Jobs have been lost in each of the first four months of 2008, according to government statistics.Fed policy-makers may have had the outlines of the loan officers' report when they decided last week to reduce official interest rates another quarter percentage point. At the time, anarchy online creditsanarchy online creditarchlord goldbuy archlord goldcity of heroes influencecoh influencecity of villains infamycov infamyeve iskeve online iskthe Fed hinted it might halt its rate-cutting campaign while it assesses whether the 3.25 percentage points by which it has lowered benchmark U.S. rates since September will spur growth.The loan survey shows the tight lending continues to be a problem for the U.S. economy,flyff penyabuy flyff goldflyff moneygaia online goldgaia goldge moneygranado espada visgranado espada goldguild wars goldgw goldhellgate london palladiumhero online goldlast chaos goldpirates of the burning sea goldpotbs doubloonragnarok zenyro zenyrappelz rupeerappelz goldrf online goldscions of fate goldsecond life lindensecond life money which has grown at only a 0.6 percent rate during each of the last two quarters due to the drag from a deep housing crisis."About 35 percent of domestic banks and 45 percent of foreign institutions -- somewhat larger fractions than in the January survey -- noted that concerns about their banks' current or expected capital position had contributed to more stringent lending policies over the last three months," the Fed said. 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Some 65 percent said that there was less demand for subprime loans, flyff penyabuy flyff goldflyff moneygaia online goldgaia goldge moneygranado espada visgranado espada goldguild wars goldgw goldhellgate london palladiumhero online goldthe type made most frequently to borrowers with spotty credit records. One reason that banks cited for becoming wary about lending was concern about their current or expected capital position, a sign that they are worried about their loan portfolios.last chaos goldpirates of the burning sea goldpotbs doubloonragnarok zenyro zenyrappelz rupeerappelz goldscions of fate goldsecond life lindensecond life moneystar wars galaxies creditsswg creditssword of the new world vissword of the new world gold With the U.S. housing sector still in steep decline, lenders are bracing for a rising wave of foreclosures that is expected to top two million homes this year and for an inevitable increase in loans that go bad. Notably, the survey found that 70 percent of U.S. banks had stiffened their lending standards for approving applications for home equity lines of credit since January.tabula rasa credittabula rasa creditstales of pirates goldvanguard moneybuy vanguard goldvoyage century goldFifty percent of banks said that for customers who already had lines of credit, ffxi gilmmorpgonline games wow levelingthey had tightened terms because the value of the collateral securing them -- the homes on which credit lines were issued -- had declined significantly below appraised values.