Guide to Loan Terms -

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Guide to Loan Terms

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.

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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://www.citywebshopper.net/articles/includes/redirect.php?url=http://useconomy.about.com/b/2008/10/12/fannie-and-freddie-are-not-the-cause-of-mortgage-crisis.htmcid=1255977840ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNFiAGle92MFX1UeObC99_kb3GrbpAimg src=http://news.google.com/news?imgefp=ywt1OFrjOb4Jimgurl=z.about.com/d/useconomy/1/0/g/-/-/-/economy1-PeterDazeley.jpg width=80 height=60 alt= border=1brfont size=-2About - News amp;amp; Issues/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://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/10/13/AR2008101302257.htmlcid=1255977840ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNGdn5guLMwGNXhUpaAikwaHyvTZzARescued by Fannie Mae?/abrfont size=-1font color=#6f6f6fWashington Post,nbsp;United Statesnbsp;-/font nobr7 hours ago/nobr/fontbrfont size=-1The data needed are not difficult to assemble: current bloan/b balances, the date bloans/b were originated, original property value (or appraisal for refinances), b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blog.seattlepi.nwsource.com/realestatenews/archives/151324.aspcid=1255977840ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNEsp2BRdRzpEdEDtUXSeYzMbqTJjQFall not Fannie and Freddie#39;s fault/a font size=-1 color=#6f6f6fnobrSeattle Post Intelligencer/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://business.theage.com.au/business/fannie-freddie-under-pressure-to-start-buying-20081013-4zwn.htmlcid=1255977840ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNGTxETFgp0yR4Hdl7G1aXdQSyvGlgFannie, Freddie under pressure to start buying/a font size=-1 color=#6f6f6fnobrThe Age/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.theglobeandmail.com/servlet/story/LAC.20081013.RBANKSEXPLAINER13/TPStory/Businesscid=1255977840ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNGjokmN7QDGNmc2Fgl4CssNdDlrXwFrom subprime to stock swoon/a font size=-1 color=#6f6f6fnobrGlobe and Mail/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.webcommentary.com/asp/ShowArticle.asp%3Fid%3Dtseuga%26date%3D081014cid=1255977840ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNFvClfwKrx-HJR7oHY0vD5RdVnm9gnobrWEBCommentary/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blog.heritage.org/2008/10/13/morning-bell-the-lefts-official-news-service/cid=1255977840ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNEY00Xen7-Eryjpw4VKapXlCoCboAnobrHeritage.org/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=1255977840hl=ennobrall 249 news articles/nobr/a/font/div/font/td/tr/table

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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://www.citywebshopper.net/articles/includes/redirect.php?url=http://sify.com/finance/fullstory.php%3Fid%3D14774977cid=1256322835ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNHkfF2rxX75Jl1g1VVSrALUl_uRnQimg src=http://news.google.com/news?imgefp=YDMAAHUEvgoJimgurl=im.sify.com/sifycmsimg/jul2008/Finance/14727765_Chrysler_news.jpg width=80 height=48 alt= border=1brfont size=-2Sify/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://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/news/newsfeeds/articles/djf500/200810131756DOWJONESDJONLINE000661_FORTUNE5.htmcid=1256322835ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNGBgikXNrzny9_mSpgfjybQvsNhcAUPDATE: GMAC Tightens Lending To Borrowers Of Auto bLoans/b/abrfont size=-1font color=#6f6f6fCNNMoney.comnbsp;-/font nobr10 hours ago/nobr/fontbrfont size=-1The lending unit will extend auto bloans/b to borrowers with a credit score of 700 or higher. In addition, it will scale back longer-term bloans/b, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DkA7qghheIIQcid=1256322835ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNHROfVGXYMx_cZFBk6PzWTXRRdoeQVideo: Source: Chrysler, GM Discuss Joining Forces/a font size=-1 color=#6f6f6fnobrAssociatedPress/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/kA7qghheIIQ/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/kA7qghheIIQtype=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/articles/2008/10/13/gmac_boosts_credit_standards_for_auto_loanscid=1256322835ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNE_vwPSB6pz53j2cZ9kSlH-ZMwNagGMAC boosts credit standards for auto bloans/b/a font size=-1 color=#6f6f6fnobrBoston Globe/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.star-telegram.com/100/story/972006.htmlcid=1256322835ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNHmZsg48dxSSH7YRkP3eQAcXYn_DQBriefs: GMAC limits auto bloans/b to credit scores of 700 or better/a font size=-1 color=#6f6f6fnobrFort Worth Star Telegram/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3Da7H78nUN5x6M%26refer%3Duscid=1256322835ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNHMUBF_P_lTjXNxGgY-PS7YyUhi8gnobrBloomberg/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601213%26sid%3DaKWrBuszGjf0%26refer%3Dhomecid=1256322835ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNHJnnMd4RwYazvQKwft6bLRW66gtwnobrBloomberg/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=1256322835hl=ennobrall 2,193 news articles/nobr/a/font/div/font/td/tr/table

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://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.familysecuritymatters.org/publications/id.1455/pub_detail.aspcid=1255326638ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNEOJtVaVCc6YfPQhGxmzKfAuz6NxQimg src=http://news.google.com/news?imgefp=cA_QCcoUYUgJimgurl=www.familysecuritymatters.org/imgLib/20081014_acorn_yelling.jpg width=80 height=53 alt= border=1brfont size=-2Family Security Matters/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://www.citywebshopper.net/articles/includes/redirect.php?url=http://voices.kansascity.com/node/2406cid=1255326638ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNFZbFNHVBsn-gSKEnnxwkuej7senASanchez#39;s column: Don#39;t blame minorities for economic meltdown/abrfont size=-1font color=#6f6f6fKansas City Star,nbsp;MOnbsp;-/font nobr11 hours ago/nobr/fontbrfont size=-1Those people who never should have qualified for home bloans/b in the first place. The uncredit-worthy defaulters of all those nasty subprime bloans/b that caused b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chron.com/disp/story.mpl/business/buggs/6052705.htmlcid=1255326638ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNH6lS7WZA0sdvFJpkmYQVW0FVrhcgCrisis has nothing to do with Reinvestment Act/a font size=-1 color=#6f6f6fnobrHouston Chronicle/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.talkingpointsmemo.com/talk/blogs/kgoff74/2008/10/why-republicans-want-to-blame.phpcid=1255326638ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNGf8C-8czXqm94x3ag87cBSZ5Oe-AWhy Republicans Want To Blame Fannie, Freddie and Community b.../b/a font size=-1 color=#6f6f6fnobrTPM/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.indystar.com/apps/pbcs.dll/article%3FAID%3D/20081011/OPINION01/810110392/1002/OPINIONcid=1255326638ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNHTnF8HhB0-w5MKKTyw3AJ1T6n3pwbLoans/b to low-income led to current crisis/a font size=-1 color=#6f6f6fnobrIndianapolis Star/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.powerlineblog.com/archives2/2008/10/021764.phpcid=1255326638ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNFH4VabWil-xTXBV8iia4qKSESfLwnobrPower Line/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.newwest.net/topic/article/breaking_financial_crisis_not_the_fault_of_the_people_in_charge_of_everythi/C564/L564/cid=1255326638ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNHWbxSSt-NipIkXDA4x1nMcPv8_7wnobrNew West/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=1255326638hl=ennobrall 57 news articles/nobr/a/font/div/font/td/tr/table

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://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122394411680031119.html%3Fmod%3Dgooglenews_wsjcid=1257476911ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNFQ91OAl336pYoR2lo58XElxDb5xAimg src=http://news.google.com/news?imgefp=gnpP85VGfVMJimgurl=s.wsj.net/public/resources/images/NA-AT159_LATAMA_D_20081013190849.jpg width=80 height=53 alt= border=1brfont size=-2Wall Street Journal/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://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122394411680031119.html%3Fmod%3Dgooglenews_wsjcid=1257476911ei=Bl30SOPZOI3W6gPO-MmODQusg=AFQjCNFQ91OAl336pYoR2lo58XElxDb5xAInternational Groups Offer Latin America More bLoans/b/abrfont size=-1font color=#6f6f6fWall Street Journalnbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1Also on Monday, the Andean Development Corp., which makes bloans/b to Andean-region countries, announced a new contingency liquidity credit line for $1.5 b.../b/font/div/font/td/tr/table

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