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  2. Loan agreement - Wikipedia

    en.wikipedia.org/wiki/Loan_agreement

    Loan agreements are documented via their commitment letters, agreements that reflect the understandings reached between the involved parties, a promissory note, and a collateral agreement (such as a mortgage or a personal guarantee). Loan agreements offered by regulated banks are different from those that are offered by finance companies in ...

  3. Escrow - Wikipedia

    en.wikipedia.org/wiki/Escrow

    Others offer it as an option for customers. Some types of loans, most notably Federal Housing Administration (FHA) loans, require the lender to maintain an escrow account for the life of the loan. Even with a fixed interest rate, monthly mortgage payments may change over the life of the loan due to changes in property taxes and insurance ...

  4. Cash management - Wikipedia

    en.wikipedia.org/wiki/Cash_management

    Automated cash handling is the process of dispensing, counting and tracking cash in a bank, retail, check cashing, payday loan / advance, casino or other business environment through specially designed hardware and software for the purposes of loss prevention, theft deterrence and reducing management time for oversight of cash drawer (till ...

  5. Disbursement - Wikipedia

    en.wikipedia.org/wiki/Disbursement

    Disbursements paid by an undertaker on behalf of a bereaved family generally include cemetery or crematorium costs, costs for religious worship and any newspaper announcements. [ 3 ] For VAT purposes, disbursements are defined more narrowly and distinguished from recharges like travelling expenses and postage, which are incurred by the business ...

  6. Check 21 Act - Wikipedia

    en.wikipedia.org/wiki/Check_21_Act

    The law allows the recipient of a paper check to create a digital version of the original, a process known as check truncation, into an electronic format called a "substitute check", thereby eliminating the need for further handling of the physical document. The recipient bank no longer returns the paper check but electronically transmits an ...

  7. Real Estate Settlement Procedures Act - Wikipedia

    en.wikipedia.org/wiki/Real_Estate_Settlement...

    For example, a lender advertising a home loan might have advertised the loan with a 5% interest rate, but then when one applies for the loan one is told that one must use the lender's affiliated title insurance company and pay $5,000 for the service, whereas the normal rate is $1,000. The title company would then have paid $4,000 to the lender.

  8. Student loan - Wikipedia

    en.wikipedia.org/wiki/Student_loan

    Student loans in the United Kingdom are primarily provided by the state-owned Student Loans Company. Interest begins to accumulate on each loan payment as soon as the student receives it, but repayment is not required until the start of the next tax year after the student completes (or abandons) their education. [13]

  9. Passbook - Wikipedia

    en.wikipedia.org/wiki/Passbook

    Sample passbook (open), containing the same transactions as the bank statement A passbook or bankbook is a paper book used to record bank or building society transactions on a deposit account . The Post Office Savings Bank introduced passbooks to rural 19th-century Britain.

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