FAQs tagged as

Lending & Borrowing

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  1. What's the difference between the prime rate and the discount rate?

  2. What are the full rights of creditors in cases of bankruptcy?

  3. How can an investor reduce interest rate risk?

  4. What were the objectives of the Glass-Steagall Act?

  5. What is the rationale behind the effective interest rate?

  6. Where are secured credit cards accepted?

  7. Do prepaid Credit Cards have monthly fees?

  8. How does inflation affect a company's short-term investments?

  9. What is the difference between a term and open repurchase agreement?

  10. Why do banks use the Five Cs of Credit to determine a borrower's credit worthiness?

  11. What is the difference between a repurchase agreement and reverse repurchase agreement?

  12. How is a bank guarantee different from a traditional loan?

  13. Do all banks use the Five Cs of Credit when evaluating potential borrowers?

  14. How often is interest compounded?

  15. What impact does the Federal Reserve have on a bank's profitability?

  16. How does the loan-to-value ratio affect my mortgage payments?

  17. Why does the loan-to-value ratio matter?

  18. What are the pros and cons of getting installment credit to pay off your revolving ...

  19. What is the difference between residual income and passive income?

  20. What are the three "nets" of an NNN lease?

  21. What is the difference between a PMI (primary mortgage insurance) loan and a Federal ...

  22. What is the most important "C" in the Five Cs of Credit?

  23. How do banks measure the Five Cs of Credit?

  24. How can a government balance the stimulating effects of increased spending with the ...

  25. What is the difference between the Five Cs of Credit and credit rating?

  26. Why would a homebuyer need to take out PMI (private mortgage insurance)?

  27. Should commercial and investment banks be legally separated?

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

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

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

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

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

  33. What is a combined loan to value ratio?

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

  35. How are mezzanine loans structured?

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

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

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

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

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

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

  42. Why do high profiting sales mitigate credit risk?

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

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

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

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

  47. Do lenders offer floating APRs?

  48. Why do some credit cards offer introductory APRs?

  49. Are APRs different in different countries?

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

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

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

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

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

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

  56. What does the gearing ratio say about risk?

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

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

  59. What are the different types of cash advances?

  60. What is a collateral assignment of life insurance?

  61. Does inflation favor lenders or borrowers?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

  83. What are the drawbacks to debt consolidation?

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

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

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

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

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

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

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

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

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

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

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

  95. How do I start building a credit score?

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

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

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

  99. Why should I register a prepaid credit card?

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

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