4S Financial Glossary

What is it? Under perform / Speculative

Finance Term Definition Added By: Alexis

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Other Similar Finance Terms:

Financial Term Capitalization (of interest) is The arrangement between borrower and lender whereby interest payments are deferred as they come due and are added to the principal amount of the loan.

Financial Term DebtToIncome Ratio is The ratio, expressed as a percentage, which results when a borrowers monthly payment obligation on long-term debts is divided by his or her gross monthly income.

Financial Term Mini ISA is A tax-free savings account that allows you to invest up to 3,000 each year in cash savings or stocks and shares or up to 1,000 in life insurance investments. You can have one of each type of mini ISA in each tax year.

Financial Term pathdependent options is Options whose exercise is influenced by the historical trend in interest rates in addition to the current level of interest rates. The exercise of a path dependent option is influenced by whether or not it is in the money as well as by how many times that option has previously been that deep in the money. Loan prepayments are path dependent. For example, if interest rates fall to 8 percent, a borrower with an 11 percent loan is less likely to prepay his loan than another borrower if rates have fallen to 8 percent and returned to 11 percent several times since the first borrower obtained his loan but only fallen to 8 percent once since the second borrower obtained his loan.

Financial Term Loan Servicing is The bookkeeping and collection of a loan. It may be done by the lender or by another for the lender.