FAQs tagged as

Lending & Borrowing

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  1. What's the difference between FHA and conventional loans?

  2. Can I take my 401(k) to buy a house?

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

  4. What is the 1003 mortgage application form?

  5. How can you pay your Walmart credit card?

  6. Are personal loans considered income?

  7. Are secured personal loans better than unsecured loans?

  8. Do FHA loans have prepayment penalties?

  9. Can FHA loans be refinanced?

  10. What exactly is the Wall Street Journal prime rate?

  11. Who do hedge funds lend money to?

  12. When do I need a letter of credit?

  13. Can I use my 401(k) as a collateral for a loan?

  14. Why do commercial banks borrow from the Federal Reserve?

  15. How does a bank determine what my discretionary income is when making a loan decision?

  16. What are the typical repayment terms for a syndicated loan?

  17. What is considered a reasonable interest rate for a syndicated loan?

  18. What is the formula for calculating the receivables turnover ratio?

  19. Under what circumstances might a syndicated loan be arranged?

  20. What is the difference between accrued revenue and accrued interest?

  21. How does the amount of the principal fluctuate depending on inflation?

  22. What is each party's role in a reverse repurchase agreement?

  23. What risks does the dealer (lender) in a reverse repurchase agreement take on?

  24. In what instances does a business use closed end credit?

  25. What are the long-term effects of delinquent accounts?

  26. What is the difference between a possessory and a non-possessory lien?

  27. What are the differences between delinquency and default?

  28. What is the difference between a lien and an encumbrance?

  29. In which industries is Average Collection Period most important?

  30. What is the difference between subordinated debt and senior debt?

  31. What are the different types of subprime mortgages?

  32. Can a creditor sue me for a delinquent account?

  33. How are debit notes to help collect on a debt?

  34. What industries use the loan to value ratio?

  35. What price-to-book ratio is considered average in the chemicals sector?

  36. Why is it beneficial to innovate financial models and techniques used in quantitative ...

  37. How can I use quantitative analysis to evaluate investment decisions if I don't have ...

  38. What are some common models that practitioners use in quantitative analysis of equity ...

  39. Why do long-term care insurers require the loss of two Activities of Daily Living ...

  40. How can I use the correlation coefficient to predict returns in the stock market?

  41. What are some reasons banks deny applications for checking accounts?

  42. How can I calculate compounding interest on a loan in Excel?

  43. What is the purpose of liquidation?

  44. How are Net Credit Purchases calculated in the accounts payable turnover ratio?

  45. What is the relationship between national interest rates and the amount of revolving ...

  46. What is the difference between continuous compounding and discrete compounding?

  47. Is the prime rate in the US different from the federal funds rate?

  48. What is the difference between compulsory and voluntary liquidation?

  49. How does analyzing a bank's financial statements differ from companies in other sectors?

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

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

  52. How can an investor reduce interest rate risk?

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

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

  55. Where are secured credit cards accepted?

  56. Do prepaid Credit Cards have monthly fees?

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

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

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

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

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

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

  63. How often is interest compounded?

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

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

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

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

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

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

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

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

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

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

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

  75. Should commercial and investment banks be legally separated?

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

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

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

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

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

  81. What is a combined loan to value ratio?

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

  83. How are mezzanine loans structured?

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

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

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

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

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

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

  90. Why do high profiting sales mitigate credit risk?

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

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

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

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

  95. Do lenders offer floating APRs?

  96. Why do some credit cards offer introductory APRs?

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

  98. Are APRs different in different countries?

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

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

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