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Debt a Glossary of Terms Finance Articles | May 28 Nike Shox Avenue 802 Men's Shoes All Black Clearance , 2005
Bankruptcy - Having been legally declared financially insolvent. There are two types of bankruptcy - liquidation, in which your debts are cleared (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts.
Collateral - Property acceptable as security for a loan or other obligation.
Collection Agency - A company hired by a creditor to collect a debt that it is owed.
Contract - An agreement between two or more parties Nike Shox R4 Women's Sneakers White Pink Clearance , usually written down and enforceable by law .
Cosigner - To endorse (another's signature), as a loan agreement, lease or credit application. If the primary debtor does not pay Nike Shox R4 Men's Sports Shoes Black Gold Clearance , the cosigner is fully responsible for the loan or debt.
Credit Bureau - An organization to which business firms apply for credit information on prospective customers.
Credit Report -An account of your credit history, prepared by a credit bureau. A credit report will contain credit history, such as what you owe to whom and whether you make the payments on time Nike Shox R4 Men's Sneakers Black Red Clearance , as well as personal history, such as your former addresses, employment record and any lawsuits in which you have been involved.
Creditor - A person or entity (such as a bank) to whom a debt is owed.
Debtor - A person or entity (such as a bank) who owes money.
Debt to Income Ratio - Most mortgage lenders use this ratio to analyze your financial well-being. It is figured by using your monthly debt divided by your monthly income. The lower the percentage the better your financial picture. This is often referred to as credit worthiness.
Default - To fail to pay money when it is due. A default on a mortgage or loan takes place when you fail to make the loan payments on time Nike Shox Gravity Women's White Pink Grey Clearance , fail to maintain adequate insurance or violate some other provision of your agreement with the mortgage loan company.
Discharge (of debts) - A court's writing of off the debts of a person or business that has filed for bankruptcy.
Dischargeable Debts - Debts that can be erased by going through bankruptcy.
Down Payment - A cash payment made by a buyer when they purchase a property.
Equity - An increase in the value of your home or decrease in the loan amount on your home creates equity. Equity is the difference between what is owed on your home and the sale value. Most home equity lenders will allow you to borrow up to 80% of that value.
Fair Isaac and Company - Fair Isaac is the company responsible for creating the popular FICO score. This three digit score is created using information from your credit report and ranges from 300-850.
Foreclosure - The forced sale of property to pay off a loan on which the owner of the property has defaulted.
Garnishment - A court order directing a third party who holds money or property belonging to a defendant to withhold it and appear in court to answer inquiries.
Grace Period - A period of time during which you are not required to make payments on a debt.
Guarantor - A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform.
Interest - A commission you pay a bank or other creditor for lending you money or extending you credit. Usually calculated as a percentage of the mortgage or loan.
Lien - The right to take and hold or sell the property of a debtor as security or payment for a debt or duty.
Loan Consolidation - The combining of a number of loans into a single new loan. Usually done to gain more favourable terms e.g. lower cost repayments or longer time to pay.
Principal - A sum of money owed as a debt, upon which interest is calculated. If you purchased an item for $100 on your credit card that would be the principal balance.
Repossession - A creditor's taking of property that has been pledged as collateral for a loan.
Secured Debt - A debt on which a creditor has a lien. A car loan would be an example of secured debt.
Term - The time required to repay a loan.
Unsecured Debt - A debt that is not tied to any item of property. Credit card debt is an example of unsecured debt.
Article Tags: Credit Report
Monetary Policy Review 2013 Finance Articles | September 24, 2013
The RBI Governor has chosen to come with a very mixed policy; we have a rate cut and a rate hike in the same document. However Nike Shox Gravity Trainers Men's Black Team Red Clearance , the market is treating it as a rate hike rather than a rate cut
The RBI, contrary to expectations has chosen to give a clear signal that fighting inflation is its core priority. The rupee fell and bond yields surged after the central bank surprised markets with a hike in the repo rate. The central bank also unwound some of the cash tightening steps previously undertaken since mid- July by lowering MSF and daily CRR requirement for banks.
KEY HIGHLIGHTS
1) REPO rates increased by 25 bps, now at 7.50%
2) Consequently Nike Shox Gravity Trainers Women's Pink White Clearance , Reverse REPO rate adjusted to 6.50%.
3) MSF rate reduced by 75 BPS to 9.5 %.
4) Consequently, Bank rate adjusted to 9.5 %.
5) Minimum Daily maintenance of CRR required brought down from 99% to 95%.
6) SLR & CRR unchanged at 23.00% and 4.00% respectively.
7) Inflation worrisome, no room for complacency.
 WPI inflation will be higher than that projected for rest of the year.
9) Economic growth trailing below potential.
10) Pace of infrastructure project completion subdued Nike Shox Gravity Shoes White AR1999-100 Clearance , new projects' starts remain muted.
11) Next monetary policy review on October 29
ECONOMIC SCENARIO
Global Economic Conditions
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