1009:
74:
1860:
1880:
946:
2058:
in the items pledged. Corporate entities can also take out secured lending by pledging the company's assets, including the company itself. The interest rates for secured loans are usually lower than those of unsecured loans. Usually, the lending institution employs people (on a roll or on a contract basis) to evaluate the quality of pledged collateral before sanctioning the loan.
934:
38:
1870:
2123:
ones not already pledged to secured lenders). In insolvency proceedings, secured lenders traditionally have priority over unsecured lenders when a court divides up the borrower's assets. Thus, a higher interest rate reflects the additional risk that in the event of insolvency, the debt may be uncollectible.
2057:
Other forms of secured loans include loans against securities – such as shares, mutual funds, bonds, etc. This particular instrument issues customers a line of credit based on the quality of the securities pledged. Gold loans are issued to customers after evaluating the quantity and quality of gold
2163:
A concessional loan, sometimes called a "soft loan", is granted on terms substantially more generous than market loans either through below-market interest rates, by grace periods, or a combination of both. Such loans may be made by foreign governments to developing countries or may be offered to
2122:
are severely limited, subjecting the lender to higher risk compared to that encountered for a secured loan. An unsecured lender must sue the borrower, obtain a money judgment for breach of contract, and then pursue execution of the judgment against the borrower's unencumbered assets (that is, the
2439:
Interest paid to the lender is included in the lender's gross income. Interest paid represents compensation for the use of the lender's money or property and thus represents profit or an accession to wealth to the lender. Interest income can be attributed to lenders even if the lender does not
2053:
Similarly, a loan taken out to buy a car may be secured by the car. The duration of the loan is much shorter – often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. In a direct auto loan, a bank lends the money directly to a
2421:
Most of the basic rules governing how loans are handled for tax purposes in the United States are codified by both
Congress (the Internal Revenue Code) and the Treasury Department (Treasury Regulations – another set of rules that interpret the Internal Revenue Code).
2429:
The lender may not deduct (from own gross income) the amount of the loan. The rationale here is that one asset (the cash) has been converted into a different asset (a promise of repayment). Deductions are not typically available when an outlay serves to create a new or different
2218:) of these loans. The monthly payments of personal loans can be decreased by selecting longer payment terms, but overall interest paid increases as well. A personal loan can be obtained from banks, alternative (non-bank) lenders, online loan providers and private lenders.
2387:
is one form of abuse in the granting of loans. It usually involves granting a loan in order to put the borrower in a position that one can gain advantage over them; subprime mortgage-lending and payday-lending are two examples, where the moneylender is not authorized or
2453:
Although a loan does not start out as income to the borrower, it becomes income to the borrower if the borrower is discharged of indebtedness. Thus, if a debt is discharged, then the borrower essentially has received income equal to the amount of the indebtedness. The
2443:
Interest paid to the lender may be deductible by the borrower. In general, interest paid in connection with the borrower's business activity is deductible, while interest paid on personal loans are not deductible. The major exception here is interest paid on a home
2110:
applicable to these different forms may vary depending on the lender and the borrower. These may or may not be regulated by law. In the United
Kingdom, when applied to individuals, these may come under the
2367:
3012:, 348 U.S. 426 (1955) (giving the three-prong standard for what is "income" for tax purposes: (1) accession to wealth, (2) clearly realized, (3) over which the taxpayer has complete dominion).
2402:
is a different form of abuse, where the lender charges excessive interest. In different time periods and cultures, the acceptable interest rate has varied, from no interest at all as in the
2039:
is a very common type of loan, used by many individuals to purchase residential or commercial property. The lender, usually a financial institution, is given security – a
2465:
Example: X owes Y $ 50,000. If Y discharges the indebtedness, then X no longer owes Y $ 50,000. For purposes of calculating income, this is treated the same way as if Y gave X $ 50,000.
2905:
2791:
2069:
are monetary loans that are not secured against the borrower's assets. These may be available from financial institutions under many different guises or marketing packages:
2118:
Interest rates on unsecured loans are nearly always higher than for secured loans because an unsecured lender's options for recourse against the borrower in the event of
864:
2842:
2436:
Repayment of the loan is not gross income to the lender. In effect, the promise of repayment is converted back to cash, with no accession to wealth by the lender.
2054:
consumer. In an indirect auto loan, a car dealership (or a connected company) acts as an intermediary between the bank or financial institution and the consumer.
893:
2139:
or other defined contract terms. Demand loans can be "called" for repayment by the lending institution at any time. Demand loans may be unsecured or secured.
854:
819:
2758:
3052:
976:
1968:
The interest provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by
632:
2812:
2729:
2702:
2426:
A loan is not gross income to the borrower. Since the borrower has the obligation to repay the loan, the borrower has no accession to wealth.
1500:
1366:
2895:
2735:
645:
2651:
804:
1909:
2281:
526:
2872:
2783:
2413:
Abuses can also take place in the form of the customer defrauding the lender by borrowing without intending to repay the loan.
1073:
3236:
3086:
1657:
1408:
286:
196:
2954:
2592:
1811:
1754:
969:
938:
182:
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on the title to the property – until the mortgage is paid off in full. In the case of home loans, if the
2834:
1781:
1158:
2469:
2131:
Demand loans are short-term loans that typically do not have fixed dates for repayment. Instead, demand loans carry a
1602:
3369:
2721:
Federal Estate & Gift Taxes: Code & Regulations (Including
Related Income Tax Provisions), As of March 2008
2510:
1562:
1490:
1322:
1048:
748:
462:
152:
2050:
on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.
1465:
1300:
809:
694:
472:
246:
2180:
Loans can also be categorized according to whether the debtor is an individual person (consumer) or a business.
2938:
2755:
2607:
2112:
1415:
1334:
962:
498:
3405:
3316:
1662:
1305:
1093:
141:
131:
3049:
3000:
Samuel A. Donaldson, Federal Income
Taxation of Individuals: Cases, Problems and Materials, 2nd Ed. (2007).
3482:
3220:
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2215:
2132:
300:
211:
2433:
The amount paid to satisfy the loan obligation is not deductible (from own gross income) by the borrower.
3410:
2900:
2558:
2495:
2473:
2455:
2407:
1980:
1902:
1836:
1597:
1535:
1495:
1354:
1133:
1123:
640:
251:
31:
2804:
3231:
3211:
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2406:
prescript, to unlimited interest rates. Credit card companies in some countries have been accused by
2389:
2155:, it refers to a loan on which no interest is accrued while a student remains enrolled in education.
2100:
2029:
1759:
1734:
1612:
1572:
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1435:
1224:
1173:
1083:
836:
753:
457:
382:
316:
268:
111:
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2612:
2233:
1976:. Although this article focuses on monetary loans, in practice, any material object might be lent.
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1239:
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1053:
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the lender is charging, and the date of repayment. A loan entails the reallocation of the subject
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713:
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503:
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126:
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73:
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by one party to another with an agreement to pay it back. The recipient, or borrower, incurs a
1008:
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3171:
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2719:
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2536:
2384:
2373:
2165:
2119:
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1714:
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1550:
1520:
1455:
1168:
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690:
585:
452:
447:
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416:
377:
201:
101:
2545:
2514:
2203:
2189:
1895:
1863:
1791:
1769:
1749:
1724:
1587:
1577:
1485:
1403:
886:
679:
653:
571:
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547:
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467:
354:
336:
321:
241:
232:
136:
121:
83:
57:
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3456:
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3251:
3128:
3056:
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2787:
2762:
2627:
2567:
2531:
2253:
1946:
1831:
1816:
1806:
1729:
1719:
1632:
1582:
1525:
1505:
1475:
1450:
1425:
1339:
1229:
1219:
1068:
1043:
869:
794:
785:
743:
708:
700:
508:
397:
311:
92:
2468:
For a more detailed description of the "discharge of indebtedness", look at
Section 108 (
2410:
of lending at usurious interest rates and making money out of frivolous "extra charges".
1949:) will normally specify, among other things, the principal amount of money borrowed, the
3477:
3389:
3359:
3339:
3241:
3181:
3133:
3118:
3110:
2617:
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2582:
2577:
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2240:
and government guaranteed loans
Underwriting is not based upon credit score but rather
2237:
2207:
2094:
2078:
2066:
2015:
2004:
1992:
1883:
1796:
1764:
1704:
1637:
1622:
1617:
1545:
1344:
1327:
1310:
1214:
1179:
1163:
1148:
1063:
776:
614:
306:
276:
191:
158:
2147:
A subsidized loan is a loan on which the interest is reduced by an explicit or hidden
3471:
3451:
3419:
3415:
3334:
3151:
3072:
2864:
2667:
2661:
2523:
2241:
2227:
2195:
2152:
2107:
2036:
1973:
1950:
1841:
1821:
1744:
1699:
1470:
1460:
1440:
1317:
1128:
1118:
1103:
1098:
1033:
1023:
843:
799:
575:
537:
517:
402:
363:
116:
2780:
3384:
3379:
3364:
3354:
3306:
3286:
3258:
2622:
2459:
2211:
2025:
2021:
1627:
1430:
1295:
1234:
1191:
1153:
1138:
1058:
1038:
950:
768:
738:
598:
296:
173:
146:
2458:
lists "Income from
Discharge of Indebtedness" in Section 61(a)(12) as a source of
2486:
3423:
3326:
3301:
3216:
3166:
2951:
2602:
2199:
2073:
1988:
1786:
1677:
1647:
1268:
1258:
1143:
1078:
1028:
358:
223:
168:
163:
106:
3441:
3271:
3201:
3161:
2632:
2393:
2136:
1263:
593:
432:
368:
3296:
3123:
2767:
2587:
2501:
2086:
1376:
1361:
1198:
898:
859:
542:
331:
326:
42:
1972:, which can also place the borrower under additional restrictions known as
933:
37:
3446:
3266:
2562:
2403:
2214:
of the borrower is a major component in underwriting and interest rates (
2044:
1969:
1962:
1939:
1420:
1253:
346:
206:
46:
17:
2664:
and the
Exchange National Bank of Chicago - Innovation of instant loans
2541:
2148:
1923:
1739:
1510:
1113:
65:
3156:
1991:
companies. For other institutions, issuing of debt contracts such as
1958:
1290:
218:
3176:
2646:
2399:
1954:
1931:
1398:
1349:
437:
387:
36:
2256:
payment in which each monthly rate has the same value over time.
3095:
2519:
2506:
2083:
2040:
1984:
1935:
1445:
1371:
1000:
730:
281:
3068:
1979:
Acting as a provider of loans is one of the main activities of
2232:
Loans to businesses are similar to the above but also include
674:
2362:{\displaystyle P=L\cdot {\frac {c\,(1+c)^{n}}{(1+c)^{n}-1}}}
2805:"Average new-car loan a record 65 months in fourth quarter"
3064:
3048:
EUGENE A. LUDWIG AND PAUL A. VOLCKER, 16 November 2012
2284:
3398:
3325:
3250:
3194:
3142:
3109:
3102:
2361:
2781:Concessional Loans, Glossary of Statistical Terms
2252:The most typical loan payment type is the fully
2896:"New Rules To Ban Payday Lending 'Debt Traps'"
3080:
2996:
2994:
2992:
2990:
2988:
2986:
1903:
970:
8:
2984:
2982:
2980:
2978:
2976:
2974:
2972:
2970:
2968:
2966:
2945:. Chennai, India. 3 May 2007. Archived from
2939:"Credit cardholders pay Rs 6,000 cr 'extra'"
2894:Horsley, Scott; Arnold, Chris (2 Jun 2016).
2374:monthly amortized loan or mortgage payments
855:International Financial Reporting Standards
820:Separation of investment and retail banking
3106:
3087:
3073:
3065:
2198:, car loans, home equity lines of credit,
1945:The document evidencing the debt (e.g., a
1910:
1896:
1392:
1203:
988:
977:
963:
848:
781:
619:
421:
88:
52:
2756:Subsidized Loan - Definition and Overview
2344:
2320:
2303:
2297:
2283:
2151:. In the context of college loans in the
1240:Transaction (checking / current)
2695:Commercial Loan Practices and Operations
2164:employees of lending institutions as an
2024:is a form of debt in which the borrower
2685:
2190:Credit (finance) § Consumer credit
1245:
1206:
999:
784:
661:
622:
516:
485:
424:
231:
181:
91:
64:
3010:See Commissioner v. Glenshaw Glass Co.
2845:from the original on November 10, 2012
1957:(s) for a period of time, between the
2449:Income from discharge of indebtedness
2028:some asset (i.e., a car, a house) as
7:
3237:Debtor-in-possession (DIP) financing
3050:Banks Need Long-Term Rainy Day Funds
2440:charge a minimum amount of interest.
2091:Credit facilities or lines of credit
1869:
41:Loan document issued by the Bank of
2833:Guttentag, Jack (October 6, 2007).
2392:, the lender could be considered a
2271:months and a monthly interest rate
2652:Federal student loan consolidation
894:Private equity and venture capital
805:Bank for International Settlements
25:
2908:from the original on 8 March 2018
2875:from the original on 8 March 2018
939:Business and Economics portal
2835:"The Math Behind Your Home Loan"
2693:Signoriello, Vincent J. (1991).
2135:, which varies according to the
1995:is a typical source of funding.
1878:
1868:
1859:
1858:
1007:
944:
932:
527:Base erosion and profit shifting
72:
2815:from the original on 2017-08-06
2738:from the original on 2021-04-14
2718:CCH Incorporated (April 2008).
1938:and is usually required to pay
2341:
2328:
2317:
2304:
2194:Common personal loans include
1658:Strategic financial management
287:Collateralised debt obligation
197:Bull (stock market speculator)
1:
2943:The Financial Express (India)
2865:"Predators try to steal home"
2593:Loans and interest in Judaism
2097:(may be secured or unsecured)
1812:Sustainable development goals
633:Final consumption expenditure
2470:Cancellation-of-debt income
3504:
3030:26 U.S.C. 61(a)(12)(2007).
2511:Fractional-reserve banking
2372:For more information, see
2259:The fixed monthly payment
2225:
2187:
2013:
2002:
1942:for the use of the money.
1563:Fractional-reserve banking
1491:Enterprise risk management
865:Professional certification
463:Enterprise risk management
247:Offshore financial centres
29:
3432:
3021:26 U.S.C. 61(a)(4)(2007).
1466:Diversification (finance)
810:Financial Stability Board
2608:Refund Anticipation Loan
2113:Consumer Credit Act 1974
1416:Automated teller machine
499:Mergers and acquisitions
3406:Consumer leverage ratio
3317:Tax refund interception
2794:, Retrieved on 5/5/2013
2771:. Retrieved 2011-12-21.
1663:Stress test (financial)
2724:. CCH. pp. 631–.
2492:Annual percentage rate
2408:consumer organizations
2363:
2133:floating interest rate
1981:financial institutions
301:certificate of deposit
50:
3411:Debt levels and flows
2901:National Public Radio
2559:Negative amortization
2496:Effective annual rate
2474:Internal Revenue Code
2456:Internal Revenue Code
2364:
2003:Further information:
1837:Too connected to fail
1598:Investment management
1496:Environmental finance
1355:Correspondent account
1049:Community development
252:Conduit and sink OFCs
40:
32:Loan (disambiguation)
3232:Debt snowball method
3039:26 U.S.C. 108(2007).
2949:on January 20, 2019.
2673:Student loan default
2657:Federal Perkins Loan
2550:Settlement (finance)
2282:
2234:commercial mortgages
2168:(sometimes called a
2101:Peer-to-peer lending
1735:Exchange traded fund
1613:Mathematical finance
1573:Fundamental analysis
1568:Full-reserve banking
1174:Bank holding company
1084:Export credit agency
992:Part of a series on
478:Financial statements
458:Credit rating agency
383:Repurchase agreement
30:For other uses, see
2839:The Washington Post
2613:Sponsored repayment
2417:United States taxes
1930:is the transfer of
1827:Time value of money
1653:Statistical finance
1643:Sustainable finance
1593:Investment advisory
1235:Time deposit (Bond)
914:Accounting scandals
904:Stock market bubble
624:Government spending
581:Employment contract
533:Corporate tax haven
292:Credit default swap
3055:2017-07-10 at the
2957:2019-01-20 at the
2811:. August 6, 2017.
2786:2013-10-31 at the
2761:2012-03-04 at the
2555:Interest-only loan
2528:Debt consolidation
2359:
2137:prime lending rate
1802:Security (finance)
1777:History of banking
1673:Structured product
1668:Structured finance
1481:Economic expansion
994:financial services
909:Stock market crash
759:Investment banking
749:Fractional-reserve
714:Warrant of payment
663:Government revenue
586:Financial planning
504:Structured finance
51:
3465:
3464:
3312:Strategic default
3277:Collection agency
3190:
3189:
3172:Predatory lending
2731:978-0-8080-1853-7
2704:978-1-55520-134-0
2537:Default (finance)
2385:Predatory lending
2380:Abuses in lending
2357:
2204:installment loans
1920:
1919:
1715:Corporate finance
1710:Capital structure
1685:
1684:
1456:Corporate finance
1276:
1275:
987:
986:
877:
876:
827:
826:
815:Deposit insurance
721:
720:
555:
554:
453:Corporate finance
448:Capital structure
443:Capital budgeting
378:Performance bonds
259:
258:
242:Financial centres
202:Financial planner
102:Asset (economics)
16:(Redirected from
3495:
3157:Consumer lending
3107:
3089:
3082:
3075:
3066:
3059:
3046:
3040:
3037:
3031:
3028:
3022:
3019:
3013:
3007:
3001:
2998:
2961:
2950:
2935:
2929:
2924:
2918:
2917:
2915:
2913:
2891:
2885:
2884:
2882:
2880:
2861:
2855:
2854:
2852:
2850:
2830:
2824:
2823:
2821:
2820:
2801:
2795:
2778:
2772:
2753:
2747:
2746:
2744:
2743:
2715:
2709:
2708:
2690:
2546:Personal finance
2515:Building society
2368:
2366:
2365:
2360:
2358:
2356:
2349:
2348:
2326:
2325:
2324:
2298:
2166:employee benefit
1912:
1905:
1898:
1882:
1872:
1871:
1862:
1861:
1792:Personal finance
1725:Equity (finance)
1588:Impact investing
1578:Growth investing
1486:Enterprise value
1393:
1204:
1159:Savings and loan
1011:
989:
979:
972:
965:
951:Money portal
949:
948:
947:
937:
936:
887:Economic history
849:
782:
680:Deficit spending
654:Transfer payment
620:
548:Transfer pricing
494:Leveraged buyout
468:Enterprise value
422:
337:Letter of credit
322:Futures contract
155:
153:Over-the-counter
142:Foreign exchange
89:
76:
53:
27:Lending of money
21:
3503:
3502:
3498:
3497:
3496:
3494:
3493:
3492:
3468:
3467:
3466:
3461:
3457:Promissory note
3428:
3394:
3375:Deposit account
3321:
3292:Debtors' prison
3246:
3212:Management plan
3186:
3138:
3098:
3093:
3063:
3062:
3057:Wayback Machine
3047:
3043:
3038:
3034:
3029:
3025:
3020:
3016:
3008:
3004:
2999:
2964:
2959:Wayback Machine
2937:
2936:
2932:
2925:
2921:
2911:
2909:
2893:
2892:
2888:
2878:
2876:
2871:. 18 Apr 2000.
2863:
2862:
2858:
2848:
2846:
2832:
2831:
2827:
2818:
2816:
2803:
2802:
2798:
2788:Wayback Machine
2779:
2775:
2763:Wayback Machine
2754:
2750:
2741:
2739:
2732:
2717:
2716:
2712:
2705:
2692:
2691:
2687:
2682:
2677:
2637:
2628:Syndicated loan
2568:Legal financing
2532:Government debt
2482:
2451:
2419:
2382:
2340:
2327:
2316:
2299:
2280:
2279:
2250:
2238:corporate bonds
2230:
2224:
2192:
2186:
2178:
2161:
2145:
2129:
2095:Corporate bonds
2067:Unsecured loans
2064:
2018:
2012:
2007:
2001:
1947:promissory note
1916:
1851:
1850:
1832:Too big to fail
1817:Systematic risk
1730:Ethical banking
1720:Cost of capital
1695:
1687:
1686:
1633:Private banking
1603:Islamic banking
1583:Hedge (finance)
1506:Ethical banking
1476:Economic bubble
1451:Climate finance
1426:Bank regulation
1390:
1382:
1381:
1340:Instant payment
1286:
1278:
1277:
1201:
1184:
1183:
1019:
983:
945:
943:
931:
919:
918:
889:
879:
878:
870:Fund governance
846:
829:
828:
795:Banking license
786:Bank regulation
773:
744:Deposit account
733:
723:
722:
709:Non-tax revenue
705:
684:
650:
617:
607:
606:
603:
567:
557:
556:
509:Venture capital
473:Risk management
419:
409:
408:
407:
398:Syndicated loan
374:
271:
261:
260:
151:
86:
35:
28:
23:
22:
15:
12:
11:
5:
3501:
3499:
3491:
3490:
3485:
3480:
3470:
3469:
3463:
3462:
3460:
3459:
3454:
3449:
3444:
3439:
3433:
3430:
3429:
3427:
3426:
3413:
3408:
3402:
3400:
3396:
3395:
3393:
3392:
3390:Securitization
3387:
3382:
3377:
3372:
3367:
3362:
3357:
3352:
3347:
3342:
3337:
3331:
3329:
3323:
3322:
3320:
3319:
3314:
3309:
3304:
3299:
3294:
3289:
3284:
3279:
3274:
3269:
3263:
3261:
3248:
3247:
3245:
3244:
3242:Loan guarantee
3239:
3234:
3229:
3224:
3214:
3209:
3204:
3198:
3196:
3192:
3191:
3188:
3187:
3185:
3184:
3182:Vendor finance
3179:
3174:
3169:
3164:
3159:
3154:
3148:
3146:
3140:
3139:
3137:
3136:
3131:
3126:
3121:
3115:
3113:
3104:
3100:
3099:
3094:
3092:
3091:
3084:
3077:
3069:
3061:
3060:
3041:
3032:
3023:
3014:
3002:
2962:
2930:
2919:
2886:
2856:
2825:
2796:
2773:
2748:
2730:
2710:
2703:
2684:
2683:
2681:
2678:
2676:
2675:
2670:
2665:
2659:
2654:
2649:
2643:
2636:
2635:
2630:
2625:
2620:
2618:Smart contract
2615:
2610:
2605:
2600:
2598:Pay it forward
2595:
2590:
2585:
2583:Loan guarantee
2580:
2578:Loan agreement
2575:
2573:Leveraged loan
2570:
2565:
2552:
2539:
2534:
2517:
2504:
2499:
2489:
2483:
2481:
2478:
2450:
2447:
2446:
2445:
2441:
2437:
2434:
2431:
2427:
2418:
2415:
2381:
2378:
2370:
2369:
2355:
2352:
2347:
2343:
2339:
2336:
2333:
2330:
2323:
2319:
2315:
2312:
2309:
2306:
2302:
2296:
2293:
2290:
2287:
2263:for a loan of
2249:
2246:
2226:Main article:
2223:
2220:
2196:mortgage loans
2185:
2182:
2177:
2176:Target markets
2174:
2160:
2157:
2144:
2141:
2128:
2125:
2108:interest rates
2104:
2103:
2098:
2092:
2089:
2081:
2079:Personal loans
2076:
2063:
2060:
2016:Loan guarantee
2011:
2008:
2005:Paperless loan
2000:
1997:
1974:loan covenants
1918:
1917:
1915:
1914:
1907:
1900:
1892:
1889:
1888:
1887:
1886:
1876:
1866:
1853:
1852:
1849:
1848:
1845:
1844:
1839:
1834:
1829:
1824:
1819:
1814:
1809:
1804:
1799:
1797:Public finance
1794:
1789:
1784:
1779:
1774:
1773:
1772:
1767:
1762:
1757:
1752:
1742:
1737:
1732:
1727:
1722:
1717:
1712:
1707:
1705:Bond (finance)
1702:
1696:
1694:Related topics
1693:
1692:
1689:
1688:
1683:
1682:
1681:
1680:
1675:
1670:
1665:
1660:
1655:
1650:
1645:
1640:
1638:Sustainability
1635:
1630:
1625:
1623:Money creation
1620:
1618:Mobile banking
1615:
1610:
1605:
1600:
1595:
1590:
1585:
1580:
1575:
1570:
1565:
1560:
1559:
1558:
1553:
1548:
1543:
1538:
1533:
1528:
1523:
1518:
1508:
1503:
1498:
1493:
1488:
1483:
1478:
1473:
1468:
1463:
1458:
1453:
1448:
1443:
1438:
1433:
1428:
1423:
1418:
1413:
1412:
1411:
1406:
1391:
1388:
1387:
1384:
1383:
1380:
1379:
1374:
1369:
1364:
1359:
1358:
1357:
1347:
1342:
1337:
1332:
1331:
1330:
1325:
1315:
1314:
1313:
1308:
1298:
1293:
1287:
1285:Funds transfer
1284:
1283:
1280:
1279:
1274:
1273:
1272:
1271:
1266:
1261:
1256:
1248:
1247:
1243:
1242:
1238:
1237:
1232:
1227:
1222:
1217:
1215:Christmas club
1209:
1208:
1202:
1190:
1189:
1186:
1185:
1180:Lists of banks
1177:
1176:
1171:
1166:
1161:
1156:
1151:
1146:
1141:
1136:
1134:Postal savings
1131:
1126:
1121:
1116:
1111:
1109:Mutual savings
1106:
1101:
1096:
1091:
1086:
1081:
1076:
1071:
1066:
1061:
1056:
1051:
1046:
1041:
1036:
1031:
1026:
1020:
1018:Types of banks
1017:
1016:
1013:
1012:
1004:
1003:
997:
996:
985:
984:
982:
981:
974:
967:
959:
956:
955:
954:
953:
941:
929:
921:
920:
917:
916:
911:
906:
901:
896:
890:
885:
884:
881:
880:
875:
874:
873:
872:
867:
862:
857:
847:
835:
834:
831:
830:
825:
824:
823:
822:
817:
812:
807:
802:
797:
789:
788:
780:
779:
777:Lists of banks
772:
771:
766:
761:
756:
751:
746:
741:
735:
734:
729:
728:
725:
724:
719:
718:
717:
716:
711:
706:
704:
703:
698:
687:
685:
683:
682:
677:
671:
666:
665:
659:
658:
657:
656:
651:
649:
648:
646:Redistribution
643:
637:
635:
627:
626:
618:
613:
612:
609:
608:
605:
604:
602:
601:
596:
590:
588:
583:
578:
568:
563:
562:
559:
558:
553:
552:
551:
550:
545:
540:
535:
530:
521:
520:
514:
513:
512:
511:
506:
501:
496:
488:
487:
483:
482:
481:
480:
475:
470:
465:
460:
455:
450:
445:
440:
435:
427:
426:
420:
415:
414:
411:
410:
406:
405:
400:
395:
390:
385:
380:
373:
372:
366:
361:
351:
350:
349:
344:
339:
334:
329:
324:
319:
314:
309:
304:
294:
289:
284:
279:
273:
272:
267:
266:
263:
262:
257:
256:
255:
254:
249:
244:
236:
235:
229:
228:
227:
226:
221:
216:
215:
214:
204:
199:
194:
192:Angel investor
186:
185:
179:
178:
177:
176:
171:
166:
161:
159:Private equity
156:
149:
144:
139:
134:
129:
124:
119:
114:
109:
104:
96:
95:
87:
82:
81:
78:
77:
69:
68:
62:
61:
26:
24:
14:
13:
10:
9:
6:
4:
3:
2:
3500:
3489:
3486:
3484:
3483:Banking terms
3481:
3479:
3476:
3475:
3473:
3458:
3455:
3453:
3452:Interest rate
3450:
3448:
3445:
3443:
3440:
3438:
3435:
3434:
3431:
3425:
3421:
3417:
3414:
3412:
3409:
3407:
3404:
3403:
3401:
3397:
3391:
3388:
3386:
3383:
3381:
3378:
3376:
3373:
3371:
3368:
3366:
3363:
3361:
3358:
3356:
3353:
3351:
3348:
3346:
3343:
3341:
3338:
3336:
3333:
3332:
3330:
3328:
3324:
3318:
3315:
3313:
3310:
3308:
3305:
3303:
3300:
3298:
3295:
3293:
3290:
3288:
3285:
3283:
3280:
3278:
3275:
3273:
3270:
3268:
3265:
3264:
3262:
3260:
3257:
3253:
3249:
3243:
3240:
3238:
3235:
3233:
3230:
3228:
3227:Restructuring
3225:
3222:
3218:
3215:
3213:
3210:
3208:
3207:Consolidation
3205:
3203:
3200:
3199:
3197:
3193:
3183:
3180:
3178:
3175:
3173:
3170:
3168:
3165:
3163:
3160:
3158:
3155:
3153:
3152:Business loan
3150:
3149:
3147:
3145:
3141:
3135:
3132:
3130:
3127:
3125:
3122:
3120:
3117:
3116:
3114:
3112:
3108:
3105:
3101:
3097:
3090:
3085:
3083:
3078:
3076:
3071:
3070:
3067:
3058:
3054:
3051:
3045:
3042:
3036:
3033:
3027:
3024:
3018:
3015:
3011:
3006:
3003:
2997:
2995:
2993:
2991:
2989:
2987:
2985:
2983:
2981:
2979:
2977:
2975:
2973:
2971:
2969:
2967:
2963:
2960:
2956:
2953:
2948:
2944:
2940:
2934:
2931:
2928:
2923:
2920:
2907:
2903:
2902:
2897:
2890:
2887:
2874:
2870:
2866:
2860:
2857:
2844:
2840:
2836:
2829:
2826:
2814:
2810:
2806:
2800:
2797:
2793:
2789:
2785:
2782:
2777:
2774:
2770:
2769:
2764:
2760:
2757:
2752:
2749:
2737:
2733:
2727:
2723:
2722:
2714:
2711:
2706:
2700:
2696:
2689:
2686:
2679:
2674:
2671:
2669:
2668:Stafford loan
2666:
2663:
2662:George D. Sax
2660:
2658:
2655:
2653:
2650:
2648:
2645:
2644:
2642:
2641:
2634:
2631:
2629:
2626:
2624:
2621:
2619:
2616:
2614:
2611:
2609:
2606:
2604:
2601:
2599:
2596:
2594:
2591:
2589:
2586:
2584:
2581:
2579:
2576:
2574:
2571:
2569:
2566:
2564:
2560:
2556:
2553:
2551:
2547:
2543:
2540:
2538:
2535:
2533:
2529:
2525:
2524:Consumer debt
2521:
2518:
2516:
2512:
2508:
2505:
2503:
2500:
2497:
2493:
2490:
2488:
2485:
2484:
2479:
2477:
2475:
2471:
2466:
2463:
2461:
2457:
2448:
2442:
2438:
2435:
2432:
2428:
2425:
2424:
2423:
2416:
2414:
2411:
2409:
2405:
2401:
2397:
2395:
2391:
2386:
2379:
2377:
2375:
2353:
2350:
2345:
2337:
2334:
2331:
2321:
2313:
2310:
2307:
2300:
2294:
2291:
2288:
2285:
2278:
2277:
2276:
2274:
2270:
2266:
2262:
2257:
2255:
2247:
2245:
2243:
2242:credit rating
2239:
2235:
2229:
2228:Business loan
2221:
2219:
2217:
2213:
2209:
2205:
2201:
2197:
2191:
2183:
2181:
2175:
2173:
2171:
2167:
2158:
2156:
2154:
2153:United States
2150:
2142:
2140:
2138:
2134:
2126:
2124:
2121:
2116:
2114:
2109:
2102:
2099:
2096:
2093:
2090:
2088:
2085:
2082:
2080:
2077:
2075:
2072:
2071:
2070:
2068:
2061:
2059:
2055:
2051:
2049:
2046:
2042:
2038:
2037:mortgage loan
2033:
2031:
2027:
2023:
2017:
2009:
2006:
1998:
1996:
1994:
1990:
1986:
1982:
1977:
1975:
1971:
1966:
1964:
1960:
1956:
1952:
1951:interest rate
1948:
1943:
1941:
1937:
1933:
1929:
1925:
1913:
1908:
1906:
1901:
1899:
1894:
1893:
1891:
1890:
1885:
1881:
1877:
1875:
1867:
1865:
1857:
1856:
1855:
1854:
1847:
1846:
1843:
1842:Watered stock
1840:
1838:
1835:
1833:
1830:
1828:
1825:
1823:
1822:Systemic risk
1820:
1818:
1815:
1813:
1810:
1808:
1805:
1803:
1800:
1798:
1795:
1793:
1790:
1788:
1785:
1783:
1782:List of banks
1780:
1778:
1775:
1771:
1768:
1766:
1763:
1761:
1758:
1756:
1753:
1751:
1748:
1747:
1746:
1743:
1741:
1738:
1736:
1733:
1731:
1728:
1726:
1723:
1721:
1718:
1716:
1713:
1711:
1708:
1706:
1703:
1701:
1700:Asset pricing
1698:
1697:
1691:
1690:
1679:
1676:
1674:
1671:
1669:
1666:
1664:
1661:
1659:
1656:
1654:
1651:
1649:
1646:
1644:
1641:
1639:
1636:
1634:
1631:
1629:
1626:
1624:
1621:
1619:
1616:
1614:
1611:
1609:
1606:
1604:
1601:
1599:
1596:
1594:
1591:
1589:
1586:
1584:
1581:
1579:
1576:
1574:
1571:
1569:
1566:
1564:
1561:
1557:
1554:
1552:
1549:
1547:
1544:
1542:
1539:
1537:
1534:
1532:
1529:
1527:
1524:
1522:
1519:
1517:
1514:
1513:
1512:
1509:
1507:
1504:
1502:
1499:
1497:
1494:
1492:
1489:
1487:
1484:
1482:
1479:
1477:
1474:
1472:
1471:Eco-investing
1469:
1467:
1464:
1462:
1461:Disinvestment
1459:
1457:
1454:
1452:
1449:
1447:
1444:
1442:
1441:Capital asset
1439:
1437:
1434:
1432:
1429:
1427:
1424:
1422:
1419:
1417:
1414:
1410:
1407:
1405:
1402:
1401:
1400:
1397:
1396:
1395:
1394:
1386:
1385:
1378:
1375:
1373:
1370:
1368:
1365:
1363:
1360:
1356:
1353:
1352:
1351:
1348:
1346:
1343:
1341:
1338:
1336:
1333:
1329:
1326:
1324:
1321:
1320:
1319:
1316:
1312:
1309:
1307:
1304:
1303:
1302:
1299:
1297:
1294:
1292:
1289:
1288:
1282:
1281:
1270:
1267:
1265:
1262:
1260:
1257:
1255:
1252:
1251:
1250:
1249:
1244:
1241:
1236:
1233:
1231:
1228:
1226:
1223:
1221:
1218:
1216:
1213:
1212:
1211:
1210:
1205:
1200:
1197:
1193:
1188:
1187:
1182:
1181:
1175:
1172:
1170:
1167:
1165:
1162:
1160:
1157:
1155:
1152:
1150:
1147:
1145:
1142:
1140:
1137:
1135:
1132:
1130:
1127:
1125:
1124:Participation
1122:
1120:
1117:
1115:
1112:
1110:
1107:
1105:
1104:Middle market
1102:
1100:
1097:
1095:
1092:
1090:
1087:
1085:
1082:
1080:
1077:
1075:
1072:
1070:
1067:
1065:
1062:
1060:
1057:
1055:
1052:
1050:
1047:
1045:
1042:
1040:
1037:
1035:
1034:Bulge bracket
1032:
1030:
1027:
1025:
1022:
1021:
1015:
1014:
1010:
1006:
1005:
1002:
998:
995:
991:
990:
980:
975:
973:
968:
966:
961:
960:
958:
957:
952:
942:
940:
935:
930:
928:
925:
924:
923:
922:
915:
912:
910:
907:
905:
902:
900:
897:
895:
892:
891:
888:
883:
882:
871:
868:
866:
863:
861:
858:
856:
853:
852:
851:
850:
845:
844:Financial law
842:
838:
833:
832:
821:
818:
816:
813:
811:
808:
806:
803:
801:
800:Basel Accords
798:
796:
793:
792:
791:
790:
787:
783:
778:
775:
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538:Tax inversion
536:
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403:Synthetic CDO
401:
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117:Capital asset
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48:
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3422: /
3418: /
3385:Money market
3380:Fixed income
3307:Phantom debt
3287:Debt bondage
3255:
3143:
3044:
3035:
3026:
3017:
3009:
3005:
2947:the original
2942:
2933:
2927:Exodus 22:25
2922:
2910:. Retrieved
2899:
2889:
2877:. Retrieved
2868:
2859:
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2838:
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2720:
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2640:US specific:
2639:
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2623:Student loan
2467:
2464:
2460:gross income
2452:
2420:
2412:
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2260:
2258:
2251:
2248:Loan payment
2231:
2212:credit score
2208:payday loans
2200:credit cards
2193:
2179:
2169:
2162:
2159:Concessional
2146:
2130:
2117:
2105:
2074:Credit cards
2065:
2056:
2052:
2034:
2022:secured loan
2019:
1978:
1967:
1944:
1927:
1921:
1755:participants
1628:Pension fund
1607:
1436:Asset growth
1431:Bank secrecy
1306:Bill payment
1225:Money-market
1195:
1178:
1059:Credit union
840:
769:Money supply
763:
754:Full-reserve
739:Central bank
599:Student loan
574: /
486:Transactions
341:
297:Time deposit
183:Participants
112:Asset growth
3424:Odious debt
3302:Garnishment
3167:Payday loan
3103:Instruments
2603:Payday loan
1989:credit card
1787:Market risk
1678:Toxic asset
1648:Speculation
1536:engineering
1074:Development
1054:Cooperative
307:Credit line
269:Instruments
164:Real estate
127:Derivatives
3472:Categories
3442:Insolvency
3350:Government
3282:Compliance
3272:Charge-off
3252:Collection
3202:Bankruptcy
3195:Management
3162:Loan shark
3129:Government
2819:2017-08-06
2742:2020-11-18
2680:References
2633:Title loan
2487:0% finance
2394:loan shark
2254:amortizing
2222:Commercial
2188:See also:
2143:Subsidized
2087:overdrafts
2030:collateral
2014:See also:
1760:regulation
1409:management
1404:allocation
1301:Electronic
1094:Industrial
1089:Investment
1069:Depository
1044:Commercial
837:Regulation
641:Operations
594:Retirement
433:Accounting
317:Derivative
224:Speculator
56:Part of a
3399:Economics
3360:Municipal
3345:Diplomacy
3340:Corporate
3297:Distraint
3134:Municipal
3124:Debenture
3119:Corporate
2869:CNN Money
2768:About.com
2588:Loan sale
2502:Auto loan
2472:) of the
2444:mortgage.
2390:regulated
2351:−
2295:⋅
2062:Unsecured
1740:Financial
1531:economics
1511:Financial
1377:BRICS PAY
1169:Wholesale
1164:Universal
1064:Custodian
899:Recession
860:ISO 31000
543:Tax haven
417:Corporate
332:Insurance
327:Indemnity
233:Locations
122:Commodity
43:Petrevene
18:Bank loan
3447:Interest
3420:Internal
3416:External
3335:Consumer
3267:Bad debt
3053:Archived
2955:Archived
2906:Archived
2873:Archived
2843:Archived
2813:Archived
2792:oecd.org
2784:Archived
2759:Archived
2736:Archived
2563:PIK loan
2494:(a.k.a.
2480:See also
2404:biblical
2184:Personal
2048:defaults
2045:borrower
1983:such as
1970:contract
1963:borrower
1961:and the
1940:interest
1864:Category
1556:services
1541:forecast
1516:analysis
1421:Bad debt
1207:Accounts
1192:Accounts
1129:Payments
1119:Offshore
1099:Merchant
1024:Advising
675:Taxation
565:Personal
518:Taxation
393:Security
347:Mortgage
207:Investor
47:Bulgaria
3437:Default
3365:Venture
3355:Medical
3327:Markets
3259:Evasion
3221:history
2952:Alt URL
2849:May 11,
2809:Reuters
2542:Finance
2149:subsidy
2120:default
2026:pledges
2010:Secured
1924:finance
1874:Commons
1551:planner
1521:analyst
1269:Prepaid
1230:Savings
1220:Deposit
1154:Savings
1139:Private
1114:Neobank
1039:Central
1001:Banking
927:Outline
731:Banking
695:balance
693: (
425:General
357: (
312:Deposit
132:Domains
84:Markets
66:Finance
3488:Notary
3254:
3217:Relief
2728:
2701:
2430:asset.
2210:. The
2206:, and
2127:Demand
1959:lender
1884:Portal
1807:Shares
1770:system
1750:market
1311:Mobile
1291:Cheque
1259:Credit
1194:
1149:Retail
1144:Public
1079:Direct
839:
691:Budget
615:Public
572:Credit
529:(BEPS)
364:exotic
355:Option
219:Retail
137:Equity
93:Assets
58:series
3478:Loans
3370:Buyer
3177:Usury
3144:Loans
3111:Bonds
2912:7 Mar
2879:7 Mar
2647:FAFSA
2400:Usury
1999:Types
1993:bonds
1985:banks
1955:asset
1932:money
1526:asset
1399:Asset
1389:Terms
1350:SWIFT
1264:Debit
1246:Cards
1199:Cards
438:Audit
388:Stock
174:Stock
147:Money
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1987:and
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1765:risk
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1367:CIPS
1345:Giro
1323:RTGS
1318:Wire
1296:Card
1029:Banq
764:Loan
701:Debt
576:Debt
359:call
342:Loan
282:Cash
277:Bond
169:Spot
107:Bond
2765:at
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1745:law
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