FAQs tagged as

Lending & Borrowing

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  1. Should commercial and investment banks be legally separated?

  2. When did people first start using collateral to secure loans?

  3. How are net exports influenced by the crowding out effect?

  4. How can a creditor improve its Average Collection Period?

  5. How can I tell if a loan uses simple or compound interest?

  6. What are key government regulations that affect investing in the banking sector?

  7. What is a combined loan to value ratio?

  8. What is industry etiquette for number of days payable outstanding (DPO)?

  9. How are mezzanine loans structured?

  10. How do interest rates coordinate savings and investment in the economy?

  11. What measures should a company take if its times interest earned ratio is too high?

  12. Why do some institutions (like American Express) allow you to go above your revolving ...

  13. Does cash-on-delivery aid produce better results than a loan?

  14. What factors are taken into account to quantify credit risk?

  15. What is the underwriter's job in a real estate transaction?

  16. Why do high profiting sales mitigate credit risk?

  17. When is an underwriting fee too high on a commercial loan?

  18. What's the difference between a letter of credit and a bank guarantee?

  19. When is it necessary to get a letter of credit?

  20. Can entities other than banks issue letters of credit?

  21. Why do some credit cards offer introductory APRs?

  22. Do lenders offer floating APRs?

  23. Are APRs different in different countries?

  24. What loans do and don't have an APR?

  25. What is a bank's legal liability when issuing a letter of credit?

  26. When are you legally required to get a letter of credit?

  27. What is the debt ratio for an FHA loan?

  28. How do I use the debt ratio to decide when to invest in a company?

  29. What is the key to finding your ideal mortgage?

  30. What does the gearing ratio say about risk?

  31. What is the difference between the gearing ratio and the debt-to-equity ratio?

  32. What is the difference between loan syndication and a consortium?

  33. What are the different types of cash advances?

  34. What is a collateral assignment of life insurance?

  35. Does inflation favor lenders or borrowers?

  36. What's the difference between a grace period and a deferment?

  37. What are the pros and cons of life insurance policy loans?

  38. How can I borrow money from my life insurance policy?

  39. What's the difference between a grace period and a moratorium period?

  40. What are some examples of times when I would need a letter of credit?

  41. What are the differences between payday loans and cash advances?

  42. What is the difference between an in-store and an online payday loan?

  43. What are the differences between APR in Europe and the U.S.?

  44. Will a debt settlement program affect my credit score?

  45. What's the difference between debt consolidation and debt management or debt settlement?

  46. What are the advantages of applying for a private student loan with a creditworthy ...

  47. What are the differences between revolving credit and a line of credit?

  48. What are some examples of a good time to take out a payday loan?

  49. What are the different types of letters of credit?

  50. Why is APR used to compare long-term loans?

  51. How do I determine whether a debt consolidation loan is a good debt relief option?

  52. What is the difference between a loan and a line of credit?

  53. What is the difference between secured and unsecured debts?

  54. How does refinancing my mortgage affect my FICO score?

  55. What is the difference between certified and non-certified private student loans?

  56. What are the drawbacks to debt consolidation?

  57. What is the difference between overdraft and cash credit?

  58. What are the differences between balance-to-limit ratio and debt-to-income ratio?

  59. What are some good alternatives to taking out a line of credit?

  60. Is a home equity loan a good way to pay off my credit card debt?

  61. What are some examples of debts that I can consolidate?

  62. What are some examples of sneaky credit card charges to watch out for?

  63. What are some examples of a good time to take out a home equity line of credit (HELOC)?

  64. What's the difference between a secured line of credit and an unsecured line of credit?

  65. What is the difference between student loan default and delinquency?

  66. In what states are high-cost payday loans illegal?

  67. How do I start building a credit score?

  68. What are the different types of annual percentage ratings (APR)?

  69. What are the differences between revolving credit and installment credit?

  70. What are the best ways to rebuild my credit score quickly?

  71. Why should I register a prepaid credit card?

  72. What information do lenders need when I apply for a credit limit increase?

  73. Is it possible to have a credit limit that's too high?

  74. Do payday loans hurt my ability to get a mortgage?

  75. Who is eligible to take out federal student loans?

  76. What is a good credit utilization ratio?

  77. Are debt collectors allowed to call me at work?

  78. How is interest charged on most lines of credit?

  79. What are some examples of 'gray' charges on my credit card statement?

  80. How long do typical debt management plans take to pay off debt?

  81. Is my credit score usually checked before receiving a payday loan?

  82. How does debt consolidation lower my monthly payments?

  83. Why is my rent on my credit report?

  84. Does bankruptcy information go on the public record?

  85. How can I improve my chances of getting a credit limit increase?

  86. What is the difference between available credit and credit limit?

  87. What are some signs my credit card's annual fee is too high?

  88. What are the basic requirements to qualify for a payday loan?

  89. How are my cosigners affected if I file bankruptcy?

  90. What fees usually come with prepaid credit cards?

  91. What property / belongings can I keep after filing bankruptcy?

  92. What are the most common reasons credit limit increase requests are declined?

  93. Are secured credit cards accepted everywhere?

  94. Why are private student loans generally more expensive than federal loans?

  95. Is it possible to obtain a loan from a qualified retirement plan?

  96. What are the different types of reverse mortgages?

  97. Are good faith estimates (GFEs) accurate?

  98. What is an FHA streamline loan?

  99. What is the difference between a fixed annual percentage rate (APR) and a variable ...

  100. How do I lower my debt-to-income (DTI) ratio?

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