Archive for September, 2008
The subprime loans
The subprime loans also called junk or are loans granted to people less well off and therefore subject to a high risk of insolvency.
In Italy, as we all know, banks are very cautious in granting such loans, and many want guarantees, but in America perhaps the phenomenon has spread a little ‘too much.
In fact too [...]
ZOPA social lending
ZOPA is the acronym for one Z of Possible AGREEMENT, i.e. the place where those who serve and those who ask for a loan meets and finds an agreement (agreement).
In practice, following certain rules of the so-called Web 2.0 ZOPA has created a platform of encounter between supply and demand to perform a new dimension [...]
Hedge found, high-risk investment
Before explaining what these funds, we must anticipate the risk element. Investment generally, but not always, the level of risk is proportionate to investment. If the risk level is high, so the investment will be profitable. Logically and, unfortunately, equally dangerous is the probability of losing everything!
Hedge found we can put that money in high-risk, [...]
Main characteristics of the loan
Here we list the main features that a loan must have and can not miss:
The interest rate charged;
Any other price and terms offered, including higher charges in the event of default;
The amount and modalities of financing;
The number, amounts and maturity of the individual rate;
The annual percentage rate (APR);
Details of analytical conditions under which the APR [...]
