Loans

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Wall Street Journal  2 hrs ago  Comment 
U.S. regulators are sounding the alarm about banks’ exposure to oil and gas producers, a move that could limit their ability to lend to companies battered by a yearlong slump in prices.
The Hindu Business Line  11 hrs ago  Comment 
In an unprecedented move, the Enforcement Directorate’s Ahmedabad branch has attached 1,280 acres of a realtor’s land in California, in what may turn out to be one of the biggest bank loan...
Reuters  Jul 2  Comment 
Moscow has granted ally Armenia, which hosts a Russian military base, a $200 million loan to buy Russian weapons and modernise its armed forces.
Finance Asia  Jul 2  Comment 
A roundup of the latest syndicated loan market news.
The Hindu Business Line  Jul 2  Comment 
But increasing competition may see risks building up in the segment
Forbes  Jul 2  Comment 
China’s P2P lending business grew rapidly in the first half of the year, but repayment problems are soaring too, according to a report.
Reuters  Jul 1  Comment 
U.S. syndicated loan issuance bounced in the second quarter from the two-and-a-half-year low set the prior quarter, driven by a renewed push by companies to refinance...
Forbes  Jul 1  Comment 
Credito Emiliano accepts young Parmigiano-Reggiano as collateral, and then ages it in climate-controlled vaults until it's ready for sale.
The Economic Times  Jul 1  Comment 
Punj Lloyd has received shareholders' approval for taking term loans up to Rs 1,500 crore with the condition that the lenders can get the debt converted into equity shares in case of a default.
Financial Times  Jul 1  Comment 
German bank says deals will free up €105m of capital in the third quarter




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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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