News tagged with loans
US grabs lead over China in clean energy race
The United States has regained the lead in the clean energy race, investing $48 billion last year to surpass China, which held the world's top spending spot since 2009, said a study Wednesday.
Technology / Energy & Green Tech
Apr 12, 2012 |
3.4 / 5 (8) |
21
People work harder when expecting a future challenging task
Consumers will work harder on a task if they're expecting to have to do something difficult at a later time, according to a new study in the Journal of Consumer Research.
Other Sciences / Social Sciences
Nov 17, 2009 |
3.3 / 5 (4) |
1
New mortgage design would minimize home foreclosures
With mortgage loan defaults on the rise yet again, two mortgage researchers are proposing a new type of mortgage contract that automatically resets the balance and the monthly payment based on the mortgaged home's market ...
Other Sciences / Economics & Business
Jan 19, 2011 |
4.3 / 5 (3) |
22
New research shows that your looks, creditworthiness may go hand in hand
New research suggests that a person's appearance may play a role in whether they are deemed trustworthy by financial lenders. The study is summarized in a working paper by Jefferson Duarte at Rice University's ...
Other Sciences / Social Sciences
Mar 12, 2009 |
3 / 5 (4) |
3
Study finds consumer behavior and lifestyle traits influence foreclosure rates (w/ Video)
A homeowner's station in life and personal spending beliefs and habits are important indicators of the borrower's potential for home-mortgage default, say researchers in the University of Alabama at Birmingham ...
Other Sciences / Economics & Business
Jan 14, 2010 |
4 / 5 (3) |
0
Most mortgage meltdowns not caused by subprimes
Subprime mortgages were not the main reason behind the housing crisis that started in 2009 and continues to bedevil the faltering U.S. economy, according to a University of Michigan study.
Other Sciences / Economics & Business
Oct 22, 2010 |
5 / 5 (2) |
1
Some banks help keep mortgage holders out of default, studies find
While the nation's foreclosure crisis has focused blame on bad loan practices by some lenders, new research shows how some banks may have actually reduced the default risk of their homebuyers.
Other Sciences / Economics & Business
Jan 03, 2011 |
5 / 5 (2) |
1
The downside -- and surprising upside - of microcredit
Microcredit, which involves giving small loans to very small businesses in an effort to promote entrepreneurship, has been widely touted as a way to reduce poverty and stimulate economic growth. A multitude of both non- and ...
Other Sciences / Economics & Business
Jun 09, 2011 |
2.5 / 5 (4) |
1
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NJIT business prof says first-quarter bank profits will soon prove ephemeral
NJIT finance professor Michael Ehrlich predicts that the strong profits reported by banks in the first quarter will soon be followed by more losses. Ehrlich, a market failure expert, notes that the unexpectedly ...
Other Sciences / Economics & Business
May 27, 2009 |
2.7 / 5 (3) |
0
Racial segregation key factor in subprime lending
(PhysOrg.com) -- New study examines impact of segregation on the prevalence of high-cost loans in U.S. metro areas. Subprime loans disproportionately located in segregated areas.
Other Sciences / Economics & Business
Nov 06, 2009 |
3 / 5 (2) |
3
Japan's DoCoMo eyes cash transfer by cellphone
Japan's top mobile telephone operator NTT DoCoMo said Wednesday it aimed to launch a new service enabling cash transfers simply by entering the recipient's cellphone number.
May 27, 2009 |
5 / 5 (1) |
1
In search of the root causes of the 2008 crisis: New York Fed to hear new theory on financial meltdown
(PhysOrg.com) -- Anjan Thakor, finance professor at the Olin Business School, Washington University in St. Louis, will present a new theory on the causes of the financial crisis to a meeting of the New York Federal Reserve ...
Other Sciences / Economics & Business
Dec 07, 2009 |
2.5 / 5 (2) |
0
Solar loan guarantees announced
(AP) -- The Department of Energy has announced nearly $4.5 billion in conditional commitments for loan guarantees for three California solar projects, the agency said.
Technology / Energy & Green Tech
Jun 30, 2011 |
5 / 5 (1) |
0
Beauty impacts hiring, salaries and profits, economist finds
The best looking people earn an extra $250,000, on average, during their careers than the least attractive people and are more likely to remain employed, get promoted and even secure loans, according to a new book by University ...
Other Sciences / Social Sciences
Aug 17, 2011 |
5 / 5 (1) |
0
Bailed-out banks issued riskier loans
Banks that received federal bailout money ended up approving riskier loans and shifting capital toward risky investments after getting government help, say University of Michigan researchers.
Other Sciences / Economics & Business
Sep 15, 2011 |
5 / 5 (1) |
3
Loan
A loan is a type of debt. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.
In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time. Typically, the money is paid back in regular installments, or partial repayments; in an annuity, each installment is the same amount.
The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent.
Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding.
For more information about Loan, read the full article at
Wikipedia.
This text uses material from Wikipedia and is available under the GNU Free Documentation License.
