Borrower

RECENT NEWS
The Hindu Business Line  Jan 19  Comment 
The RBI on Monday said the spread (or the mark up over the base rate) charged to an existing borrower by banks should not be increased except on account of deterioration in the credit risk prof...
The Economic Times  Jan 15  Comment 
What the rate cut means for you as a borrower and as an investor
Reuters  Dec 23  Comment 
The RBI has simplified the definition of a non-cooperative borrower to include all those who have the ability to pay but still thwart lenders' efforts to recover their dues, including by not providing necessary information.
The Economic Times  Dec 22  Comment 
"In effect, a non-cooperative borrower is a defaulter who deliberately stonewalls legitimate efforts of the lenders to recover their dues," RBI notified on Monday.
The Economic Times  Nov 26  Comment 
CIBIL reports and credit scores, based on individual's payments to loans and credit cards, are provided in order to help evaluate and approve loan applications.
Yahoo  Jun 16  Comment 
The Chinese corporate bond market has overtaken the United States as the world's biggest and is set to soak up a third of global company debt needs over the next five years.
New York Times  Mar 27  Comment 
The loans that promised to help older people stay in their homes in retirement are, in some cases, now pushing their children out.     




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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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