Products related to Credit:
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Democratizing Finance : Restructuring Credit to Transform Society
What if our financial system were organized to the benefit of the many rather than simply empowering the few?Robert Hockett and Fred Block argue that an entirely different financial system is both desirable and possible.They outline concrete steps that could get us there.Financial systems move the worlds savings from investment to investment, chasing the highest rates of return.They run on profit. But what if investment went to the enterprises or institutions that provided things that the majority of people would prioritize?Democratizing Finance includes six responses that seek to amend, elaborate, and challenge the arguments developed by Hockett and Block.Some of the core arguments put forward by other contributors include calls for the rapid elimination of private financial entities, the dilemmas of the politics associated with financial reforms, and the fate of parallel proposals advanced in the US in the 1930s.
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Introduction to Stochastic Processes : Queues, Finance, and Credit Risk
This is an essential textbook for senior undergraduate and graduate students of statistics, stochastic processes, stochastic finance, and probability theory.It covers all the important notations of probability theory and stochastic processes that are crucial for students to overcome their initial challenges during their studies.It thoroughly discusses the concepts of stochastic processes, both Markov and non-Markov processes, as well as stochastic calculus.With a special focus on finance, the book dedicates three chapters to explore the applications of stochastic processes in options, credit risk and insurance. Organized into sixteen chapters and one appendix, the book takes the readers to a well-organized learning.To fully grasp the intricacies of stochastic processes, students are expected to have a solid grounding in real analysis, linear algebra, and differential equations.Practical examples are emphasized throughout the book, carefully selected from various fields.The exercises at the end of each chapter are designed with the same objective in mind.Stochastic processes play a significant role in various scientific disciplines and real-life applications.
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Between Debt and the Devil : Money, Credit, and Fixing Global Finance
Adair Turner became chairman of Britain's Financial Services Authority just as the global financial crisis struck in 2008, and he played a leading role in redesigning global financial regulation.In this eye-opening book, he sets the record straight about what really caused the crisis.It didn't happen because banks are too big to fail--our addiction to private debt is to blame. Between Debt and the Devil challenges the belief that we need credit growth to fuel economic growth, and that rising debt is okay as long as inflation remains low.In fact, most credit is not needed for economic growth--but it drives real estate booms and busts and leads to financial crisis and depression.Turner explains why public policy needs to manage the growth and allocation of credit creation, and why debt needs to be taxed as a form of economic pollution.Banks need far more capital, real estate lending must be restricted, and we need to tackle inequality and mitigate the relentless rise of real estate prices.Turner also debunks the big myth about fiat money--the erroneous notion that printing money will lead to harmful inflation. To escape the mess created by past policy errors, we sometimes need to monetize government debt and finance fiscal deficits with central-bank money. Between Debt and the Devil shows why we need to reject the assumptions that private credit is essential to growth and fiat money is inevitably dangerous.Each has its advantages, and each creates risks that public policy must consciously balance.
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Transnational Mortgage Law : Reconstructing the Global Framework for Housing Finance
This book uncovers and reconstructs the growing body of legal principles and rules governing mortgages that have been developed by different transnational institutions and actors. It shows how mortgages have evolved from a type of real security commonly used to facilitate lending by mitigating credit risk, to a transferable commodity with the potential to affect international financial stability and consumer welfare.In doing so, the book reveals the emergence of new policy objectives and rationales for regulation that have led to changes in the structure and functions of mortgage laws.Characterising this development as a type of transnational law, the book highlights the paradigm shifts in the law of residential mortgages brought about by their increasing global relevance.The analysis reveals tensions between the goals of risk mitigation, financial stability, consumer protection and housing justice. The result is an innovative analysis at the intersection of contract law, property law and international financial regulation.The book portrays transnational mortgage law as a complex field governed by a plurality of socially and economically relevant but potentially conflicting goals and principles.
Price: 85.00 £ | Shipping*: 0.00 £
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Why is the registered mortgage important for a loan rather than the value of the property?
A registered mortgage is important for a loan because it provides the lender with a legal claim on the property in case the borrower defaults on the loan. This gives the lender a level of security and assurance that they will be able to recover their money by selling the property. The value of the property can fluctuate over time, so having a registered mortgage ensures that the lender's interests are protected regardless of changes in property value.
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Why is the registered mortgage important for a loan, rather than the value of the property?
The registered mortgage is important for a loan because it serves as a legal guarantee for the lender that they have a claim on the property in case the borrower defaults on the loan. This provides security to the lender and reduces the risk associated with lending money. The value of the property is important for determining the loan amount and the terms of the loan, but the registered mortgage ensures that the lender has a legal right to the property in case of non-payment.
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Why does a loan depend on the registered mortgage and not on the value of the property?
A loan depends on the registered mortgage rather than the value of the property because the mortgage serves as security for the lender in case the borrower defaults on the loan. The registered mortgage gives the lender a legal claim on the property, allowing them to recoup their funds by selling the property if necessary. The value of the property is considered in determining the loan-to-value ratio, which is used to assess the risk of the loan, but the mortgage itself is the primary factor in securing the loan.
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What is the difference between a mortgage and a loan?
A mortgage is a specific type of loan that is used to purchase real estate, typically a home. It is a secured loan, meaning the property serves as collateral for the loan. On the other hand, a loan is a broader term that can refer to various types of borrowing, such as personal loans, auto loans, or student loans. Loans can be secured or unsecured, depending on the lender's requirements.
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Portsmouth Budget Hotels3.0 star property
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Credit Risk
Modelling credit risk accurately is central to the practice of mathematical finance.The majority of available texts are aimed at an advanced level, and are more suitable for PhD students and researchers.This volume of the Mastering Mathematical Finance series addresses the need for a course intended for master's students, final-year undergraduates, and practitioners.The book focuses on the two mainstream modelling approaches to credit risk, namely structural models and reduced-form models, and on pricing selected credit risk derivatives.Balancing rigorous theory with examples, it takes readers through a natural development of mathematical ideas and financial intuition.
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Ending Credit.
"BOYS REPUBLIC's latest offering, 'Ending Credit', is a rollercoaster ride of emotions that is best listened to with a pint of ale by your side. This South Korean boyband have crafted an album that is as British as a Sunday roast with all the trimmings. From the infectious hooks of 'Hello', to the anthemic chorus of 'Video Game', BOYS REPUBLIC have captured the essence of 80s Britpop with a modern twist. Lead singer Sungjun's vocals soar over the catchy melodies, while the rest of the band provide a tight, cohesive sound that will have you tapping your foot and reaching for your nearest pint glass. Tracks like 'Lost Boys' and 'Goodbye' showcase the group's versatility, with heartfelt lyrics that will tug at your heartstrings before launching into a soaring guitar solo that will have you air guitaring in no time. It's clear that BOYS REPUBLIC have honed their craft and are ready to take the British music scene by storm. So grab your Union Jack flag and put on your best Doc Martens, because 'Ending Credit' is the perfect soundtrack to your next night out on the town. Cheers to BOYS REPUBLIC for delivering an album that is pure British charm with a pop twist."
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Creative 3D DIY Credit Card Stickers Art Decoration Card Stickers Credit Card Protective Credit Card
Creative 3D DIY Credit Card Stickers Art Decoration Card Stickers Credit Card Protective Credit Card
Price: 1.49 £ | Shipping*: 1.99 £
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Can you buy Xbox credit with mobile credit?
No, you cannot directly buy Xbox credit with mobile credit. Xbox credit can typically be purchased using traditional payment methods such as credit/debit cards, PayPal, or Xbox gift cards. Mobile credit is usually used for purchasing mobile services or products, and is not directly compatible with purchasing Xbox credit.
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Can Amazon credit be converted into Steam credit?
No, Amazon credit cannot be directly converted into Steam credit. Amazon credit can only be used for purchases on Amazon's website or affiliated sites, while Steam credit can only be used for purchases on the Steam platform. If you want to use Amazon credit to purchase games on Steam, you would need to first use the Amazon credit to buy a Steam gift card or code from a third-party seller or website.
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What happens with credit on a credit card?
When a credit card is used to make a purchase, the amount spent is added to the cardholder's credit balance. This creates a debt that the cardholder is required to repay. If the full balance is not paid by the due date, the cardholder will be charged interest on the remaining balance. On the other hand, if the cardholder pays off the full balance on time, no interest will be charged, and the credit balance will reset to zero, ready to be used again.
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Can you convert Amazon credit to Steam credit?
No, Amazon credit cannot be directly converted to Steam credit. Amazon credit can only be used to purchase items on Amazon's website, while Steam credit can only be used to purchase games and other content on the Steam platform. However, you can use your Amazon credit to purchase Steam gift cards on Amazon's website, which can then be redeemed for Steam credit on the Steam platform.
* All prices are inclusive of VAT and, if applicable, plus shipping costs. The offer information is based on the details provided by the respective shop and is updated through automated processes. Real-time updates do not occur, so deviations can occur in individual cases.