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75 relations: Amortizing loan, Annual percentage rate, Asset, Bank, Bond (finance), Building society, Cancellation of Debt (COD) Income, Collateral (finance), Commercial mortgage, Consumer Credit Act 1974, Consumer debt, Contract, Corporate bond, Credit card, Credit rating, Credit score, Debt, Debt consolidation, Default (finance), Dotdash, Effective interest rate, Employee benefits, FAFSA, Federal Perkins Loan, Federal student loan consolidation, Finance, Financial institution, Financial regulation, Floating interest rate, Fractional-reserve banking, George D. Sax, Government debt, Gross income, Installment loan, Interest, Interest rate, Interest-only loan, Internal Revenue Code, Legal financing, Leverage (finance), Lien, Loan, Loan covenant, Loan guarantee, Loan sale, Loan shark, Money, Mortgage loan, Negative amortization, NPR, ..., OECD, Overdraft, Pay it forward, Payday loan, Peer-to-peer lending, Personal finance, PIK loan, Pledge (law), Predatory lending, Prime rate, Promissory note, Refund anticipation loan, Secured loan, Settlement (finance), Sponsored repayment, Stafford Loan, Student loan, Student loan default in the United States, Subsidy, Syndicated loan, Title loan, United States, Unsecured debt, Usury, 0% finance. Expand index (25 more) »
Amortizing loan
In banking and finance, an amortizing loan is a loan where the principal of the loan is paid down over the life of the loan (that is, amortized) according to an amortization schedule, typically through equal payments.
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Annual percentage rate
The term annual percentage rate of charge (APR), corresponding sometimes to a nominal APR and sometimes to an effective APR (or EAPR), is the interest rate for a whole year (annualized), rather than just a monthly fee/rate, as applied on a loan, mortgage loan, credit card, etc.
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Asset
In financial accounting, an asset is an economic resource.
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Bank
A bank is a financial institution that accepts deposits from the public and creates credit.
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Bond (finance)
In finance, a bond is an instrument of indebtedness of the bond issuer to the holders.
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Building society
A building society is a financial institution owned by its members as a mutual organization.
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Cancellation of Debt (COD) Income
Taxpayers in the United States may have tax consequences when debt is cancelled.
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Collateral (finance)
In lending agreements, collateral is a borrower's pledge of specific property to a lender, to secure repayment of a loan.
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Commercial mortgage
A commercial mortgage is a mortgage loan secured by commercial property, such as an office building, shopping center, industrial warehouse, or apartment complex.
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Consumer Credit Act 1974
The Consumer Credit Act 1974 is an Act of the Parliament of the United Kingdom that significantly reformed the law relating to consumer credit within the United Kingdom.
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Consumer debt
In economics, consumer debt is the amount owed by consumers, as opposed to that of businesses or governments.
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Contract
A contract is a promise or set of promises that are legally enforceable and, if violated, allow the injured party access to legal remedies.
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Corporate bond
A corporate bond is a bond issued by a corporation in order to raise financing for a variety of reasons such as to ongoing operations, M&A, or to expand business.
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Credit card
A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's promise to the card issuer to pay them for the amounts so paid plus the other agreed charges.
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Credit rating
A credit rating is an evaluation of the credit risk of a prospective debtor (an individual, a business, company or a government), predicting their ability to pay back the debt, and an implicit forecast of the likelihood of the debtor defaulting.
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Credit score
A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual.
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Debt
Debt is when something, usually money, is owed by one party, the borrower or debtor, to a second party, the lender or creditor.
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Debt consolidation
Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others.
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Default (finance)
In finance, default is failure to meet the legal obligations (or conditions) of a loan, for example when a home buyer fails to make a mortgage payment, or when a corporation or government fails to pay a bond which has reached maturity.
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Dotdash
Dotdash (formerly About.com) is an American Internet-based network of content that publishes articles and videos about various subjects on its "topic sites", of which there are nearly 1,000.
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Effective interest rate
The effective interest rate (EIR), effective annual interest rate, annual equivalent rate (AER) or simply effective rate is the interest rate on a loan or financial product restated from the nominal interest rate as an interest rate with annual compound interest payable in arrears.
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Employee benefits
Employee benefits and (especially in British English) benefits in kind (also called fringe benefits, perquisites, or perks) include various types of non-wage compensation provided to employees in addition to their normal wages or salaries.
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FAFSA
The Free Application for Federal Student Aid (FAFSA) is a form that can be prepared annually by current and prospective college students (undergraduate and graduate) in the United States to determine their eligibility for student financial aid.
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Federal Perkins Loan
A Federal Perkins Loan, or Perkins Loan, is a need-based student loan offered by the U.S. Department of Education to assist American college students in funding their post-secondary education.
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Federal student loan consolidation
In the United States, the Federal Direct Student Loan Program (FDLP) includes consolidation loans that allow students to consolidate Stafford Loans, PLUS Loans, and Federal Perkins Loans into one single debt.
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Finance
Finance is a field that is concerned with the allocation (investment) of assets and liabilities (known as elements of the balance statement) over space and time, often under conditions of risk or uncertainty.
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Financial institution
Financial institutions, otherwise known as banking institutions, are corporations which provide services as intermediaries of financial markets.
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Financial regulation
Financial regulation is a form of regulation or supervision, which subjects financial institutions to certain requirements, restrictions and guidelines, aiming to maintain the integrity of the financial system.
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Floating interest rate
A floating interest rate, also known as a variable or adjustable rate, refers to any type of debt instrument, such as a loan, bond, mortgage, or credit, that does not have a fixed rate of interest over the life of the instrument.
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Fractional-reserve banking
Fractional-reserve banking is the practice whereby a bank accepts deposits, makes loans or investments, but is required to hold reserves equal to only a fraction of its deposit liabilities.
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George D. Sax
George D. Sax (April 14, 1904 – March 12, 1974) was the chairman of the board of Exchange International Corporation and Chicago's former Exchange National Bank (now part of LaSalle Bank).
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Government debt
Government debt (also known as public interest, public debt, national debt and sovereign debt) is the debt owed by a government.
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Gross income
Gross income is all a person's receipts and gains from all sources, before any deductions.
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Installment loan
An installment loan is a loan that is repaid over time with a set number of scheduled payments; normally at least two payments are made towards the loan.
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Interest
Interest is payment from a borrower or deposit-taking financial institution to a lender or depositor of an amount above repayment of the principal sum (i.e., the amount borrowed), at a particular rate.
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Interest rate
An interest rate is the amount of interest due per period, as a proportion of the amount lent, deposited or borrowed (called the principal sum).
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Interest-only loan
An interest-only loan is a loan in which the borrower pays only the interest for some or all of the term, with the principal balance unchanged during the interest-only period.
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Internal Revenue Code
The Internal Revenue Code (IRC), formally the Internal Revenue Code of 1986, is the domestic portion of federal statutory tax law in the United States, published in various volumes of the United States Statutes at Large, and separately as Title 26 of the United States Code (USC).
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Legal financing
Legal financing (also known as litigation financing, professional funding, settlement funding, third-party funding, legal funding, lawsuit loans and, in England and Wales, litigation funding) is the mechanism or process through which litigants (and even law firms) can finance their litigation or other legal costs through a third party funding company.
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Leverage (finance)
In finance, leverage (sometimes referred to as gearing in the United Kingdom and Australia) is any technique involving the use of borrowed funds in the purchase of an asset, with the expectation that the after tax income from the asset and asset price appreciation will exceed the borrowing cost.
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Lien
A lien is a form of security interest granted over an item of property to secure the payment of a debt or performance of some other obligation.
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Loan
In finance, a loan is the lending of money by one or more individuals, organizations, and/or other entities to other individuals, organizations etc.
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Loan covenant
A loan covenant is a condition in a commercial loan or bond issue that requires the borrower to fulfill certain conditions or which forbids the borrower from undertaking certain actions, or which possibly restricts certain activities to circumstances when other conditions are met.
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Loan guarantee
A loan guarantee, in finance, is a promise by one party (the guarantor) to assume the debt obligation of a borrower if that borrower defaults.
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Loan sale
A loan sale is a sale, often by a bank, under contract of all or part of the cash stream from a specific loan, thereby removing the loan from the bank's balance sheet.
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Loan shark
A loan shark is a person or body who offers loans at extremely high interest rates usually without holding relevant authorization from the local financial regulator (illegally).
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Money
Money is any item or verifiable record that is generally accepted as payment for goods and services and repayment of debts in a particular country or socio-economic context.
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Mortgage loan
A mortgage loan, or simply mortgage, is used either by purchasers of real property to raise funds to buy real estate, or alternatively by existing property owners to raise funds for any purpose, while putting a lien on the property being mortgaged.
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Negative amortization
In finance, negative amortization (also known as NegAm, deferred interest or graduated payment mortgage) occurs whenever the loan payment for any period is less than the interest charged over that period so that the outstanding balance of the loan increases.
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NPR
National Public Radio (usually shortened to NPR, stylized as npr) is an American privately and publicly funded non-profit membership media organization based in Washington, D.C. It serves as a national syndicator to a network of over 1,000 public radio stations in the United States.
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OECD
The Organisation for Economic Co-operation and Development (OECD; Organisation de coopération et de développement économiques, OCDE) is an intergovernmental economic organisation with 35 member countries, founded in 1961 to stimulate economic progress and world trade.
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Overdraft
An overdraft occurs when money is withdrawn from a bank account and the available balance goes below zero.
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Pay it forward
Pay it forward is an expression for describing the beneficiary of a good deed repaying it to others instead of to the original benefactor.
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Payday loan
A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday." The loans are also sometimes referred to as "cash advances," though that term can also refer to cash provided against a prearranged line of credit such as a credit card.
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Peer-to-peer lending
According to some finance regulators, while a legal definition of Peer-to-Peer P2P Lending is not yet in existence, the World Intellectual Property Organization (WIPO), the United States Patent and Trademark Office (USPTO) the Canadian Intellectual Property Office (CIPO) and the United States Government Accountability Office (GAO) acknowledge that Peer-to-Peer (P2P) Lending (synonymous with the term Person-to-Person Lending, "Private Lending", "Cryptolending"), also known as P2P Lending is the "practice of lending/investing or borrowing money from one private individual (or person) to another private individual (or person).
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Personal finance
Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
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PIK loan
A PIK or payment in kind is a type of high-risk loan or bond that allows borrowers to pay interest with additional debt rather than cash.
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Pledge (law)
A pledge is a bailment that conveys possessory title to property owned by a debtor (the pledgor) to a creditor (the pledgee) to secure repayment for some debt or obligation and to the mutual benefit of both parties.
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Predatory lending
Predatory lending is the unfair, deceptive, or fraudulent practices of some lenders during the loan origination process.
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Prime rate
A prime rate or prime lending rate is an interest rate used by banks, usually the interest rate at which banks lend to favored customers—i.e., those with good credit.
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Promissory note
A promissory note, sometimes referred to as a note payable, is a legal instrument (more particularly, a financial instrument and a debt instrument), in which one party (the maker or issuer) promises in writing to pay a determinate sum of money to the other (the payee), either at a fixed or determinable future time or on demand of the payee, under specific terms.
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Refund anticipation loan
Refund anticipation loan (RAL) is a short-term consumer loan in the United States provided by a third party against an expected tax refund for the duration it takes the tax authority to pay the refund.
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Secured loan
A secured loan, is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan, which then becomes a secured debt owed to the creditor who gives the loan.
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Settlement (finance)
Settlement of securities is a business process whereby securities or interests in securities are delivered, usually against (in simultaneous exchange for) payment of money, to fulfill contractual obligations, such as those arising under securities trades.
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Sponsored repayment
Sponsored repayment is a personal finance strategy where consumers enter into an arrangement with one or a coalition of sponsors so that a portion of the consumer's purchases at the sponsor are rebated to fund payments to financial obligations like utility bills, credit cards, and student loans.
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Stafford Loan
A Stafford Loan is a student loan offered to eligible students enrolled in accredited American institutions of higher education to help finance their education.
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Student loan
A student loan is a type of loan designed to help students pay for post-secondary education and the associated fees, such as tuition, books and supplies, and living expenses.
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Student loan default in the United States
Defaulting on a student loan in the United States can have a number of negative consequences.
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Subsidy
A subsidy is a form of financial aid or support extended to an economic sector (or institution, business, or individual) generally with the aim of promoting economic and social policy.
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Syndicated loan
A syndicated loan is one that is provided by a group of lenders and is structured, arranged, and administered by one or several commercial banks or investment banks known as lead arrangers.
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Title loan
A car title loan is a type of secured loan where borrowers can use their vehicle title as collateral.
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United States
The United States of America (USA), commonly known as the United States (U.S.) or America, is a federal republic composed of 50 states, a federal district, five major self-governing territories, and various possessions.
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Unsecured debt
In finance, unsecured debt refers to any type of debt or general obligation that is not protected by a guarantor, or collateralized by a lien on specific assets of the borrower in the case of a bankruptcy or liquidation or failure to meet the terms for repayment.
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Usury
Usury is, as defined today, the practice of making unethical or immoral monetary loans that unfairly enrich the lender.
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0% finance
0% financing (zero percent), alternatively known as discounted finance, is a widely used marketing tactic for attracting buyers of consumer goods, automobiles, real estate, or credit cards in different parts of the world.
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References
[1] https://en.wikipedia.org/wiki/Loan
