Loans

RECENT NEWS
Reuters  5 hrs ago  Comment 
Focus Media Holding Ltd, a Chinese display advertising company backed by Carlyle Group LP and other private equity firms, has sealed a $1.4 billion loan from a group of three...
Benzinga  Apr 20  Comment 
Cherry Hill Mortgage Investment Corporation (NYSE: CHMI) ("Cherry Hill" or the "Company"), today announced that it has entered into a loan agreement with NexBank SSB as lender. Under the agreement, the Company may borrow up to $25 million for...
The Economic Times  Apr 20  Comment 
For agriculture development, this would be a big bonanza to farmers in Rajasthan as the state government would provide 5 per cent subsidy on interest rate on long-term cooperative loans.
Forbes  Apr 20  Comment 
If you read business news, you might think that crowdfunding and peer2peer lending are very popular sources of business financing just by the volume of media coverage that they get. But P2P and crowdfunding platforms are relatively new to the...
Euromoney  Apr 20  Comment 
FX broker FXCM has unveiled its plans to sell its non-core assets to repay loans post-Swiss National Bank disaster, and focus its resources on wholesale as well as prime of prime services.
Forbes  Apr 20  Comment 
Following a vibrant year of overseas investment, the Fosun Group conglomerate is setting up an online small loan provider for China's small- and micro-sized enterprises as well as personal borrowers. Five affiliates of Fosun, the licensing partner...
USAToday.com  Apr 20  Comment 
Wells Fargo may beef up its commercial loan holdings with GE's $74B commercial lending unit
Wall Street Journal  Apr 19  Comment 
Long on the attack in mortgage-fraud cases, the U.S. government now finds itself the defendant in a lawsuit brought by one of the country’s largest consumer lenders, Quicken Loans Inc.
New York Times  Apr 19  Comment 
The country’s central bank sharply curtailed the amount of money that banks must keep on reserve, but that doesn’t mean the banks will be accommodating to borrowers.
The Australian  Apr 19  Comment 
The Straits Times  Apr 19  Comment 
April 20, 2015 12:56 AM OFFSHORE and marine firms are facing a tougher financing environment as banks tighten up on lending amid the energy sector downturn.




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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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