0 Securitization

Securitization occurs when a company groups together assets or receivables and sells them in units to the market through a trust. Any asset with a cashflow can be securitized. The cash flows from these receivables are used to pay the holders of these units. Companies often do this in order to remove these assets from their balance sheets and monetize an asset.

Securitization occurs when a company groups together assets or receivables and sells them in units to the market through a trust. Any asset with a cashflow can be securitized. The cash flows from these receivables are used to pay the holders of these units. Companies often do this in order to remove these assets from their balance sheets and monetize an asset. Although these assets are "removed" from the balance sheet and are supposed to be the responsibility of the trust, that does not end the company's involvement

Often the company maintains a special interest in the trust which is called an "interest only strip" or "first loss piece". Any payments from the trust must be made to regular investors in precedence to this interest. This protects investors from a degree of risk, making the securitization more attractive. The aforementioned brings into question whether the assets are truly [off-balance-sheet] given the company's exposure to losses on this interest

source by :-http://en.wikipedia.org/w/index.php?title=Debt&action=edit&section=4

0 Types of debt

A basic [loan] is the simplest form of debt. It consists of an agreement to lend a principal sum for a fixed period of [time], to be repaid by a certain date. In commercial loans [interest], calculated as a percentage of the principal sum per year, will also have to be paid by that date.

In some loans, the amount actually loaned to the debtor is less than the principal sum to be repaid; the additional principal has the same economic effect as a higher interest rate .

A [syndicated loan] is a loan that is granted to companies that wish to borrow more money than any single lender is prepared to risk in a single loan, usually many millions of dollars. In such a case, a syndicate of banks can each agree to put forward a portion of the principal sum.

0 Online Debt Consolidation - Easy Way To Pay Off Debts

There comes a time when all your debts incurred have to be repaid. Paying back all the multiple debts at the same time will be a difficult proposition, as the amount involved is quite large. The only answer to the problem lies in availing finances so that you can effectively clear the debts. For this purpose you can take the help of online debt consolidation, which assist you to wipe out the multiple debts in a hassle free way.

As the name refers, these loans can be availed by just clicking a few buttons of the mouse. In fact prior to the obtaining of loans, if you undertake a proper research, it will be rewarding as it may help you obtain competitive interest rates.

This loan is crafted to suit your financial condition and is endowed to benefit you. With this loan you can easily consolidate all your existing debts and ultimately reduces your debt burden. Moreover the rate of interest charged which helps you to easily repay the debts. it is always better to have a single loan rather than bearing the burden of multiple loans with multiple interest rates. This way you will be able to save a considerable amount which can be used for other purposes.

Further you have the option of availing this loan in two options of secured and unsecured. The secured option of the loan offers a bigger amount, but for that you have to place any high value asset as collateral. By pledging the collateral, it allows you to avail the loan amount at relaxed rates. on the other hand, unsecured option of the loan can be acquired without pledging any collateral. Those who do not want to pledge their property can opt for this loan option. The amount offered is small. However the interest rate is slightly higher.

Online debt consolidation provides you the right finances which enables you to dispose of the debts. By removing the debt burden, you can easily rebuild your financial condition. Bad credit borrowers too can opt for this loan regardless of their credit history

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