Loans

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guardian.co.uk  Aug 15  Comment 
Ankara officials will channel money ‘into Turkey’s financial markets and banks’ Turkey’s beleagured currency has bounced back from record lows after Qatar pledged to shore up the banking sector’s shaky finances with loans worth $15bn...
The Economic Times  Aug 15  Comment 
Several companies and rating agencies have come under the regulatory scanner for failing to make timely disclosure about the loan default risks.
Reuters  Aug 14  Comment 
Indian state-run lender IDBI Bank Ltd posted a seventh straight quarterly loss on Tuesday, sending its shares lower, as the bank continues to be plagued by the highest bad loan ratio in the sector.
The Times of India  Aug 14  Comment 
State Bank of India, HSBC Holdings and Axis Bank are among lenders to the Mumbai-based carrier, which owes a total Rs 9,430 crore. It had cash and equivalents of Rs 320 crore at the end of March.
The Hindu Business Line  Aug 13  Comment 
The Karnataka government is in talks with the National Bank for Agriculture and Rural Development (Nabard) to seek an increase in the amount of refin
The Hindu Business Line  Aug 13  Comment 
Jet Airways’ loan account with multiple banks may have been moved to default status for a brief period. According to a report from the Central Reposit




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Loan

A loan is an arrangement to borrow money. The lender provides the money with the understanding that the borrower will return the corpus in the future plus interest which gives the lender an incentive to lend out the principal.

Investors use many types of loans for example it could be a purpose loan using securities as collaterall with proceeds from the loan being used to purchase additional securities. [1] Or it could be a Hypothecate loan pledging securities as collateral for a loan to use for a specific purpose, without giving up ownership of the securities. [2]


Loans can broadly be categorized in to two variations:

same day loans

Secured Loans

This is the kind of loan where the borrower pledges some kind of collateral as a security until the principal is paid off completely. The most common example would be a Mortgage Loan, where the lender holds a lien on the house title until it's paid off in full.

Same day cash loans

Secured loans that lack sufficient collateral can sometimes be made by having the lender secure a guarantee from the SBA. Quickcash

Each lender will have their own underwriting criteria for a secured loan, but typically the following five factors of the borrower are considered: 1.) Capital 2.) Capacity 3.) Collateral 4.) Conditions 5.) Character [3]

12 month loans fast

Unsecured Loans

This is the kind of loan where the borrower does not provide a collateral. But, generally should provide proof of regular source of income and / or stable job so that the lenders can weigh their risk and come up with an interest rate for the term of the loan.
Examples would be, credit card loans, personal loans etc,.

13c, to lend, to borrow, originally, to let have, to leave (to someone), gift, loan is attested from 1620s, Loan word (1874), loan-translation is attested 1933. Slang loan shark first attested 1905. [1]

References

  1. A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing by Burton Gordon Malkiel ISBN-10: 0393062457 pg295
  2. A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing by Burton Gordon Malkiel ISBN-10: 0393062457 pg182
  3. http://bizplancompany.com/the-5-cs-of-lending/
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