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A time deposit or term deposit (also known as a certificate of deposit in the United States, and as a guaranteed investment certificate in Canada) is a deposit in a financial institution with a specific maturity date or a period to maturity, commonly referred to as its "term".
The term fixed deposit is most commonly used in India and the United States. It is known as a term deposit or time deposit in Canada, Australia, New Zealand, and as a bond in the United Kingdom. A fixed deposit means that the money cannot be withdrawn before maturity unlike a recurring deposit or a demand deposit. Due to this limitation, some ...
Financial instruments are monetary contracts between parties. They can be created, traded, modified and settled. They can be cash (currency), evidence of an ownership, interest in an entity or a contractual right to receive or deliver in the form of currency (forex); debt (bonds, loans); equity (); or derivatives (options, futures, forwards).
Often, banks were willing to buy time drafts from the party holding the acceptance, provided the issuer was credit worthy. [8] If the party holding the acceptance sold the note before maturity, a discount value called the Banker's Discount was used to reduce the face value of the amount to be handed over to the claimant.
In this regard, it is important to distinguish between financial (e.g. banks) and non-financial end-users of derivatives (e.g. real estate development companies) because these firms' derivatives usage is inherently different. More importantly, the reasonable collateral that secures these different counterparties can be very different.
Assessed value: The value of real estate property as determined by an assessor, typically from the county. "As-is": A contract or listing clause stating that the seller will not repair or correct ...
Financial assets, e.g. stocks, bonds and other fixed income investments, investment funds, private equity; Real estate, e.g. home-ownership, rental property, or through financial securities or fractional ownership [13] Commodities (especially through financial assets), such as natural gas or soybean [14]
A real estate investment trust (REIT, pronounced "reet" [1]) is a company that owns, and in most cases operates, income-producing real estate. REITs own many types of commercial real estate, including office and apartment buildings, studios, warehouses , hospitals , shopping centers , hotels and commercial forests . [ 2 ]