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Definition of Demand Loan
A loan which must be repaid in full on demand.
This is a recently coined phrase describing the concept of using Universal Life Insurance to tax shelter earnings which can be used to generate tax-free income in retirement. The concept has been described by some as "the most effective tax-neutralization strategy that exists in Canada today."
A loan in which two companies in separate countries borrow each other's currency for a
Related: Call money rate.
A mortgage loan on newly developed property that the builder subsidizes during the
A bank term loan that calls for no amortization.
Overnight, collateralized loan made to a dealer financing his position by borrowing from a
Checking accounts that pay no interest and can be withdrawn upon demand.
A bank line of credit that enables a customer to borrow on a daily or on-demand basis.
Short-term securities that are repayable immediately upon the holder's demand.
An event that affects the demand for goods in services in the economy.
Given the after-tax stream associated with a lease, the maximum amount of conventional
The institutions that regulate and lend to savings and loan associations. The
A loan on which the rate paid by the borrower is fixed for the life of the loan.
A Congressionally chartered corporation that
demands for securities to hedge particular sources of consumption risk, beyond the usual
loan made by one unit of a corporation to another unit of the same corporation.
A secured short-term loan to purchase inventory. The three basic forms are a blanket
loans of $1 billion or more. Or, loans that exceed the statutory size limit eligible for purchase or
Loan amortization schedule
The schedule for repaying the interest and principal on a loan.
Group of banks sharing a loan. See: syndicate.
The amount a policyholder may borrow against a whole life insurance policy at the interest rate
Money market demand account
An account that pays interest based on short-term interest rates.
Give the borrower the possibility of drawing a loan in different currencies.
loans usually represented by conventional mortgages on multi-family rental apartments.
A process whereby two companies in different countries borrow each other's currency for a
Precautionary demand (for money)
The need to meet unexpected or extraordinary contingencies with a
Project loan certificate (PLC)
A primary program of Ginnie Mae for securitizing FHA-insured and coinsured
Project loan securities
Securities backed by a variety of FHA-insured loan types - primarily multi-family
Usually FHA-insured and HUD-guaranteed mortgages on multiple-family housing complexes,
Savings and Loan association
National- or state-chartered institution that accepts savings deposits and
loan to finance current assets, The sale of the current assets provides the cash to repay
Speculative demand (for money)
The need for cash to take advantage of investment opportunities that may arise.
A bank loan, typically with a floating interest rate, for a specified amount that matures in between
A loan extended by a bank for a specific purpose. In contrast, lines of credit and revolving
Transaction demand (for money)
The need to accommodate a firm's expected cash transactions.
Variable rated demand bond (VRDB)
Floating rate bond that can be sold back periodically to the issuer.
Variable rate loan
loan made at an interest rate that fluctuates based on a base interest rate such as the
Amounts that have been loaned to the company and that it still owes.
Total quantity of goods and services demanded.
Aggregate Demand Curve
Combinations of the price level and income for which the goods and services market is in equilibrium, or for which both the goods and services market and the money market are in equilibrium.
An amount desired, in the sense that people are willing and able to pay to obtain this amount. Always associated with a given price.
A bank deposit that can be withdrawn on demand, such as a deposit in a checking account.
Demand Management Policy
Fiscal or monetary policy designed to influence aggregate demand for goods and services.
Inflation whose initial cause is excess demand rather than cost increases. See also cost-push inflation.
A situation in which demand exceeds supply.
Express stipulations included in loan agreements that are designed to monitor
Negative Loan Covenants
loan covenants designed to limit a corporate borrower's behavior
Positive Loan Covenants
loan covenants expressing minimum and maximum financial measures
The demand for a part by an outlying warehouse.
A short term loan to cover the immediate cash requirements until permanent financing is received.
Farm Improvement and Marketing Cooperatives Loans Act
Fixed Rate Loan
loan for a fixed period of time with a fixed interest rate for the life of the loan.
Borrowed funds having a fixed interest rate.
A loan advanced under an operating line of credit.
A secured loan made to business concerns for a specific period (normally three to ten years). It is repaid with interest, usually with periodical payments.
A lump sum that you borrow from a financial institution for a specified period of time. To repay the loan, you pay interest on the entire lump sum, and make payments on a scheduled basis.
secured loan or line of credit
A lump sum of funds (loan), or a revolving source of credit with a pre-established limit (line of credit), for which the customer must provide collateral.
Commercial Business Loan (Credit Insurance)
An agreement between a creditor and a borrower, where the creditor has loaned an amount to the borrower for business purposes.
Total demand for loans by borrowers equals total supply of loans from lenders. The market,
Zero curve, zero-coupon yield curve
A yield curve for zero-coupon bonds;
Raising loan capital through the creation of debt by issuing a form of paper evidencing amounts owed and payable on specified dates or on demand.
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