Borrower

RECENT NEWS
Motley Fool  Jun 14  Comment 
You should be skeptical if a salesperson tells you a credit application won't result in a hard credit pull.
Forbes  May 16  Comment 
Bank and non-bank lenders are desperate to write loans, but can’t find enough opportunities. As a consequence, savvy issuers seeking financing have been thrust into the driving seat and are seeking more advantageous terms than ever before.
Reuters  Nov 14  Comment 
Investors in marketplace loans, where borrowers and funders are matched in online platforms, need to have adequate information about borrowers' abilities to repay the debts, the U.S. Securities and Exchange Commission chair said on Monday.
The Economic Times  Nov 9  Comment 
The trio of Oriental Bank of Commerce (OBC), Bank of India (BoI) and Punjab National Bank (PNB) has been the worst in transmitting the lower cost of funds to base-rate borrowers.
The Hindu Business Line  Sep 14  Comment 
Will help lenders know which borrowers are more likely to default
guardian.co.uk  Jun 2  Comment 
Consumer Financial Protection Bureau seeks to require lenders to check if people can afford to repay as critics accuse agency of ignoring credit needs of poor The US government announced plans on Thursday to regulate the controversial $38.5bn...
The Economic Times  May 8  Comment 
Expressing concerns over loan disbursal under MUDRA scheme, traders body CAIT today said the benefits are yet to reach the last mile borrower.
The Hindu Business Line  Jan 5  Comment 
By planning bond issuances in advance and offering the right mix of instruments, the govt has been able to borrow at a stable 7.8-8%




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Borrower

A Borrower takes and uses something that belongs to someone else, with the intention of returning it. You have an impatient borrower and a patient lender. It is the trade off between patience and impatience, which is going to decide the rate of interest.

A loan entails the redistribution of financial assets over time, between the lender and the borrower. Collateral may be used to make sure the borrower keeps his promise. The borrowing may be secured by collateral, or it may be unsecured in which case there are no assets guaranteeing pay back.

Investing

As investors use the term the borrower is the person who initially receives an amount of money, called the principal, from the lender, and is obligated to, pay back, all of the funds, plus interest and fees, to the lender by a specified time.

From to lend, be surety for, pledge, to hide, protect. Apparently on the notion of collateral deposited as security for something borrowed. [1] Bury, to raise a mound, hide, bury, to shelter, protection, shelter, to save, preserve. [2]

References

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