Guide to Loan Terms

Listed below is a guide to loan terms. It is a useful list of definitions of loan terms that may or may not be familiar to you. Keep it nearby as you will never know when you might need it for quick reference.

Accrue

Process in which interest accumulates on a borrower's loan.

Amortization

A repayment method in which the amount you borrow is repaid gradually though regular monthly payments of principal and interest over the term of the loan.

Annual Percentage Rate (APR)

The APR shows the cost of a loan expressed as a yearly interest rate, including the interest and other fees associated with the loan.

Application

First step in the official loan process to gather and record information about the potential borrower.

Borrower

Person who has been approved to receive a loan and is then obligated to repay it.

Capitalization

Adding unpaid accrued interest to the principal balance. Capitalizing interest increases the principal amount of the loan and the total cost of the loan.

Collateral

Property pledged as security for a loan to ensure repayment of a loan.

Credit Agencies/Credit Bureaus

Organizations that collect individual consumer credit information and provide credit reports to potential lenders.

Credit History

History of an individual's debt repayment. For most types of loans, lenders use this information to gauge a potential borrower's ability to repay a loan.

Credit Rating

Grade assigned to denote the net worth and credit standing of an individual or a business.

Credit Report

Record that lists all past and present debts and the timeliness of their repayment and documents an individual's credit history.

Debt

Amount owed to another that must be repaid.

Default

Failure to repay a loan according to the terms of the loan.

Delinquency

Failure of a borrower to make a timely payment on a loan.

Interest

Fee charged for the use of money.

Interest Rate

The amount of interest charged on a loan, usually expressed as a percentage.

Lender

Entity that provides loan funds to the borrower. Depending on the type of loan, the lender may be a bank or other financial institution.

Loan

Money borrowed from a lending institution, usually repaid with interest.

Loan Applicant

Party applying to the lender for a loan.

Note

Binding legal document you sign when you get a loan. It lists the conditions under which you're borrowing and the terms under which you agree to pay back the loan (also called a promissory note or a mortgage note).

Payment

Periodic (usually monthly) instalments paid to a lender to be applied toward repaying your loan.

Principal

Loan amount borrowed from a lender, not including interest or additional fees.

Repayment

Process of paying back borrowed money.

Term

Time limit within which a loan must be repaid.

Variable Interest Rate

Interest rate that changes periodically in relation to an index. Payments may increase or decrease accordingly.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

MORE RESOURCES:

SBA disaster loans to assist NC firms The Business Journal of the ... - Bizjournals.com

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/0i-0fd=Rurl=http://blogs.wsj.com/independentstreet/2008/11/26/bailout-money-heading-to-small-businesses/cid=1273680890ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNHusKGdg6obokhxtHYpf9g2UQb1xgimg src=http://news.google.com/news?imgefp=qF8SimYP8gQJimgurl=s.wsj.net/media/Federal_Bailout_10pt_ab_20080923133054.jpg width=80 height=48 alt= border=1brfont size=-2Wall Street Journal Blogs/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/0-0fd=Rurl=http://www.bizjournals.com/triad/stories/2008/12/01/daily3.htmlcid=1273680890ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNH9I7QoVwJk-Xh2srmBCXbmG6XPvQSBA disaster bloans/b to assist NC firms The Business Journal of the b.../b/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1The Small Business Administration says federal bloans/b are available to small NC businesses that suffered financial losses from the drought and high b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/0-1fd=Rurl=http://www.latimes.com/business/la-fi-smallcredit1-2008dec01,0,7391823.storycid=1273680890ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNHBWZu2a8NpYZHypwZtvCVpwITRRgRestoring the flow of credit to entrepreneurs/a font size=-1 color=#6f6f6fnobrLos Angeles Times/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/0-2fd=Rurl=http://www.ajc.com/services/content/printedition/2008/11/30/bizvoice.htmlcid=1273680890ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNEjnQ7FgZ7SaXV-1KzOo7hOBfRw-wBIZ VOICE: Banking on small guys/a font size=-1 color=#6f6f6fnobrAtlanta Journal Constitution/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/0-3fd=Rurl=http://www.marketwatch.com/news/story/SBA-Applauds-Treasury-Action-Bolster/story.aspx%3Fguid%3D%257B47B9F957-0DA2-4A13-B3A6-17DAF0C7B9AD%257Dcid=1273680890ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNH0kjiN0LQ2gPZfSmtLU-gLC6xx0gSBA Applauds Treasury Action to Bolster Secondary Market for Small b.../b/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/0-4fd=Rurl=http://www.statesman.com/opinion/content/editorial/stories/12/12/01/1201forbes_edit.htmlcid=1273680890ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNFvq0SnuYZbl1Gjdz6W3wIv2j4XdQnobrAustin American-Statesman/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/0-5fd=Rurl=http://www.madison.com/wsj/home/biz/316388cid=1273680890ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNHRuEQwcZ3jFE6AaEmntbemcYS_bwnobrWisconsin State Journal/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1273680890hl=ennobrall 130 news articles/nobr/a/font/div/font/td/tr/table

Government plans new credit, mortgage programs - O Jornal

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Two Investors Sue Countrywide Over Loan-Modificiation Plans - CNNMoney.com

Turning Around the Idea of Student Loans - New York Times

General Growth gets 2-week reprieve on loans - Chicago Tribune

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/4i-0fd=Rurl=http://www.nj.com/business/index.ssf/2008/12/general_growth_properties_wins.htmlcid=1276338743ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNGlbbnfWm_FByIga7zNosszPJI4jQimg src=http://news.google.com/news?imgefp=aC3Q7kFxg5kJimgurl=blog.nj.com/business_impact/2008/12/medium_AERIALS4%2520CONLON.JPG width=80 height=40 alt= border=1brfont size=-2The Star-Ledger - NJ.com/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/4-0fd=Rurl=http://www.chicagotribune.com/business/chi-biz-general-growth-dec01,0,2219314.storycid=1276338743ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNHArYi0PyCdI8gA-esFup_DiSXo2QGeneral Growth gets 2-week reprieve on bloans/b/abrfont size=-1font color=#6f6f6fChicago Tribune,nbsp;United Statesnbsp;-/font nobr6 hours ago/nobr/fontbrfont size=-1The real estate investment trust said it and the syndicate of lenders quot;are continuing their discussionsquot; on a longer-term extension to the bloan/b, b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/4-1fd=Rurl=http://www.pbn.com/stories/36595.htmlcid=1276338743ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNGE5z6x_FnJk-mLwlbz_-F8RCuBrAGeneral Growth wins extension on $900M bloans/b/a font size=-1 color=#6f6f6fnobrProvidence Business News/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/4-2fd=Rurl=http://www.dailyherald.com/story/%3Fid%3D254795cid=1276338743ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNEtQMPgRxErVFrzzXWZTLqPaFa3NwGeneral Growth gets 2-week extension on $900 million in bloans/b/a font size=-1 color=#6f6f6fnobrChicago Daily Herald/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/4-3fd=Rurl=http://www.rttnews.com/ArticleView.aspx%3FId%3D788622cid=1276338743ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNGWgt-8SvZqlsjPlptEdYDCxnWnkAGeneral Growth wins 2-week bloan/b extension/a font size=-1 color=#6f6f6fnobrRTT News/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/4-4fd=Rurl=http://blog.cleveland.com/business/2008/12/beachwood_place_owner_receives.htmlcid=1276338743ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNGr_m9Ms9-wgViEL-MsUzxEb0m8MgnobrThe Plain Dealer - cleveland.com/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/4-5fd=Rurl=http://online.wsj.com/article/SB122809109096767753.html%3Fmod%3Dresidential_real_estatecid=1276338743ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNG1z8B654qoHRVoGLJCqxhziqYvkgnobrWall Street Journal Blogs/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1276338743hl=ennobrall 146 news articles/nobr/a/font/div/font/td/tr/table

Commercial loan quot;nightmarequot; projected for 2009-JPMorgan - Reuters

US interbank lending rates continue to rise - International Herald Tribune

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/6-0fd=Rurl=http://www.iht.com/articles/ap/2008/12/01/business/EU-Credit-Markets.phpcid=1273957413ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNHR0spSLgJKwNqtTa5gGnMfPaYJRAUS interbank lending rates continue to rise/abrfont size=-1font color=#6f6f6fInternational Herald Tribune,nbsp;Francenbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1AP LONDON: Interest rates on three-month dollar bloans/b between banks rose for the third day Monday, as financial companies#39; funding concerns lingered despite b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-1fd=Rurl=http://www.bloomberg.com/apps/news%3Fpid%3D20601081%26sid%3Da2fE2poDhArg%26refer%3Daustraliacid=1273957413ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNFlTqfX0B16_DpkmtCQMB_05MIxGQAustralian Funding Costs Decline on China Rate Cut, EU Plan/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-2fd=Rurl=http://money.cnn.com/2008/11/25/markets/bondcenter/credit_market/%3Fpostversion%3D2008112517cid=1273957413ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNHgW_tq7gRqid1QF4f7G0XUMs07HwLow rates aren#39;t enough/a font size=-1 color=#6f6f6fnobrCNNMoney.com/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/6-3fd=Rurl=http://www.telegraph.co.uk/finance/personalfinance/borrowing/3531091/Cost-of-personal-loans-soars-in-two-months-research-shows.htmlcid=1273957413ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNEaTTysOV0uaeUqo5XTg4udyVQHAgCost of personal bloans/b soars in two months/a font size=-1 color=#6f6f6fnobrTelegraph.co.uk/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/6-4fd=Rurl=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Daysh.sSVxeOM%26refer%3Dhomecid=1273957413ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNE8WNqd4HdQDqU1TkTogxx7i7Ad5QnobrBloomberg/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/6-5fd=Rurl=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Dam4zdpad1Vbo%26refer%3Dhomecid=1273957413ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNG5NTqpb_hXL5WdRVrVWoF3L41yhgnobrBloomberg/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1273957413hl=ennobrall 346 news articles/nobr/a/font/div/font/td/tr/table

PPR - $.0340 November Dividend - MarketWatch

The Fed boosted emergency loans to banks and firms - The Associated Press

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/8i-0fd=Rurl=http://www.canada.com/ottawacitizen/news/bustech/story.html%3Fid%3D2ecf60ae-a744-4527-9968-fdd50fb6bc3bcid=1275475835ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNE8TN33KFu0fUUVt44x0GQyDkm_Fgimg src=http://news.google.com/news?imgefp=T5KC29LEPYUJimgurl=a123.g.akamai.net/f/123/12465/1d/media.canada.com/idl/otct/20081126/20157-7381.jpg%3Fsize%3Dl width=80 height=80 alt= border=1brfont size=-2Ottawa Citizen/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/8-0fd=Rurl=http://www.google.com/hostednews/ap/article/ALeqM5jC0Js_XMSCt-GDAijc3qIbjuVZIAD94O9DV00cid=1275475835ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNENYLbaCZsXBxAxFxouaeZc5Mf1HAThe Fed boosted emergency bloans/b to banks and firms/abrfont size=-1font color=#6f6f6fThe Associated Pressnbsp;-/font nobrNov 28, 2008/nobr/fontbrfont size=-1The report also said investment firms borrowed an average of $52.4 billion from the Fed#39;s emergency bloan/b program over the week ending Wednesday, b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-1fd=Rurl=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Da0dIv1Epqo_o%26refer%3Dhomecid=1275475835ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNFCkz2DGxTKQryjw1Sr3lQ4ZlIGtgFed Commercial Paper Holdings Rise to $295.1 Billion (Update2)/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-2fd=Rurl=http://www.thecuttingedgenews.com/index.php%3Farticle%3D959%26pageid%3D13%26pagename%3DAnalysiscid=1275475835ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNEDwHkHrseOJa2z9Ehdfz3j8ohtmQBailout Report Card--A Failing Grade and a Frightening Outlook for b.../b/a font size=-1 color=#6f6f6fnobrThe Cutting Edge/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-3fd=Rurl=http://www.opednews.com/articles/-Oops-We-Meant-7-TRILLIO-by-Ellen-Brown-081130-741.htmlcid=1275475835ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNHuiPPJGCdLayUnDtDBLmmYFqq3vwquot;Oops, We Meant $7 TRILLION!quot; What Hank and Ben Are Up to and How b.../b/a font size=-1 color=#6f6f6fnobrOpEdNews/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/8-4fd=Rurl=http://money.cnn.com/2008/11/26/news/economy/where_bailout_stands/%3Fpostversion%3D2008112615cid=1275475835ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNHxM7d2huOTHNcnk_JUKMCXgH2lBQnobrCNNMoney.com/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/8-5fd=Rurl=http://www.denverpost.com/headlines/ci_11098847cid=1275475835ei=kkM0SYroO5XM8ATs3fwtusg=AFQjCNGb3acoXyxsMTM_lNVx_MM6lvHlqQnobrDenver Post/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1275475835hl=ennobrall 413 news articles/nobr/a/font/div/font/td/tr/table

Student debt levels portend rising loan default rates - Indianapolis Star

Loans - Google News

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Happiness is what they're selling. Relief from the crushing weight of that gigantic rock we're all forced to carry called 'financial burden.

A Look at the Origins of Online Lending
You might find yourself wondering about the origins of online lending, and how it has become the major industry that it has evolved into during recent years.The origins of online lending have evolved from standard lending practices combined with the increased ease and convenience of using the internet for a variety of purposes.

A Beginners Guide to Online Loans
If you're just beginning to look at online loans, you might feel that you're getting in over your head.Online loans have been growing in popularity in recent years, due in no small part to the ease and convenience of being able to apply for online loans from the privacy and convenience of your home at any time of the day or night.

No Income Verification Home Equity Loan
A no income verification home equity loan is a second mortgage loan that does not require you to provide income documentation to qualify for the loan. This type of loan is great for homeowners who need a home equity loan but have hard to document income.

Getting the Best Auto Loan Rates
Getting a good auto loan rate is not luck, but rather a skill that you must learn. There are good auto loan rates available if you know the tricks of the trade and how to negotiate to get the best deal for you.

Bad is the Opposite of Good... Is It? Not with Bad Debt Personal Loans
'Bad' means 'bad' no matter where you go! It is cumbersome and heavy, a threat and negative. So, you are taking this burden of bad debt every time you make a loan application for personal loans.

Faxless Payday & Cash Advance Loans - Fast Cash, No Faxing Loans, The Easiest Payday Loan Process
If you are in a hurry for a payday loan, the last thing you want to have to do is fax in your documents of verification. That's no problem, nowadays, you can find many payday loan or cash advance loan companies that can verify your income and identification without you having to fax in any documents.

What is Bad Credit UK?
Bad credit UK is a term that many people don't fully understand. After all, credit itself can sometimes be difficult to understand? adding the description of "bad" to it can make it that much more confusing.

No Credit Check Payday Cash Advance Loan - Benefits to Using a Payday Loan
No Credit Check Payday Cash Advance Loan - Benefits to Using a Payday Loan Online if You Have Bad Credit HistoryAn online payday loan can help you rebuild your credit if you have a bad credit history. With no credit checks, you can be approved for a cash advance to keep on track with your bill payments or survive a financial emergency without ruining your credit score.

Bridging Loans - Fulfilling Financial Shortfall between Real Estate Transactions
You are trying to buy a new property and selling the current one to raise money for the new purchase. It is usually difficult corresponding sale of one property with the buying of another.

Bad Credit Business Loans - to Exchange Bad Credit for Monetary Benefaction
You want to raise a business on your own or you want to expand it further. You have a plan and the vigour to make your mark in this field.