In lending agreements, collateral is a borrower's pledge of specific property to a lender, to secure repayment of a loan. The collateral serves as a lender's protection against a borrower's default and so can be used to offset the loan if the borrower fails to pay the principal and interest satisfactorily under the terms of the lending agreement. The type of the collateral may be restricted based on the type of the loan (as is the case with auto loans and mortgages); it also can be flexible, such as in the case of collateral-based personal loans.
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| - Collateral (finance) (en)
- Garantie (finance) (fr)
- Collaterale (finanza) (it)
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| - En finance, une garantie, un collatéral ou une sûreté, est une promesse de garantie, servant à couvrir le risque de crédit lors d'opérations financières dans le cas où le bénéficiaire de ce dernier ne pourrait pas satisfaire ses obligations de paiement. Le terme de collatéral est un masque du mot anglais « collateral » Son emploi a donné lieu à des néologismes tels que prêt collatéralisé, qui désigne un prêt garanti. Le terme garantie est lui utilisé dans la banque de détail. (fr)
- In lending agreements, collateral is a borrower's pledge of specific property to a lender, to secure repayment of a loan. The collateral serves as a lender's protection against a borrower's default and so can be used to offset the loan if the borrower fails to pay the principal and interest satisfactorily under the terms of the lending agreement. The type of the collateral may be restricted based on the type of the loan (as is the case with auto loans and mortgages); it also can be flexible, such as in the case of collateral-based personal loans. (en)
- In finanza, un collaterale è un bene, reale o finanziario, concesso da chi contrae un debito al creditore come garanzia del ripagamento del debito stesso al momento della scadenza. In caso di inadempienza del mutuatario può essere utilizzata per compensare il prestito. La presenza di tale garanzia in genere consente ai prestatori di offrire un tasso di interesse più basso sui prestiti. Alcuni tipi di collaterali possono essere scambiati sui mercati finanziari, al pari di azioni e obbligazioni. (it)
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| - In lending agreements, collateral is a borrower's pledge of specific property to a lender, to secure repayment of a loan. The collateral serves as a lender's protection against a borrower's default and so can be used to offset the loan if the borrower fails to pay the principal and interest satisfactorily under the terms of the lending agreement. The protection that collateral provides generally allows lenders to offer a lower interest rate on loans that have collateral. The reduction in interest rate can be up to several percentage points, depending on the type and value of the collateral. For example, the Annual Percentage Rate (APR) on an unsecured loan is often much higher than on a secured loan or logbook loan. If a borrower defaults on a loan (due to insolvency or another event), that borrower loses the property pledged as collateral, with the lender then becoming the owner of the property. In a typical mortgage loan transaction, for instance, the real estate being acquired with the help of the loan serves as collateral. If the buyer fails to repay the loan according to the mortgage agreement, the lender can use the legal process of foreclosure to obtain ownership of the real estate. If a second mortgage is involved the primary mortgage loan is repaid first with the remaining funds used to satisfy the second mortgage. A pawnbroker is a common example of a business that may accept a wide range of items as collateral. The type of the collateral may be restricted based on the type of the loan (as is the case with auto loans and mortgages); it also can be flexible, such as in the case of collateral-based personal loans. (en)
- En finance, une garantie, un collatéral ou une sûreté, est une promesse de garantie, servant à couvrir le risque de crédit lors d'opérations financières dans le cas où le bénéficiaire de ce dernier ne pourrait pas satisfaire ses obligations de paiement. Le terme de collatéral est un masque du mot anglais « collateral » Son emploi a donné lieu à des néologismes tels que prêt collatéralisé, qui désigne un prêt garanti. Le terme garantie est lui utilisé dans la banque de détail. (fr)
- In finanza, un collaterale è un bene, reale o finanziario, concesso da chi contrae un debito al creditore come garanzia del ripagamento del debito stesso al momento della scadenza. In caso di inadempienza del mutuatario può essere utilizzata per compensare il prestito. La presenza di tale garanzia in genere consente ai prestatori di offrire un tasso di interesse più basso sui prestiti. Ad esempio, nel caso di un acquisto di immobile tramite mutuo ipotecario, l'immobile stesso funge da garanzia. Se l'acquirente non riesce a rimborsare il prestito secondo il contratto di mutuo, il prestatore può ottenere la proprietà dell'immobile. Alcuni tipi di collaterali possono essere scambiati sui mercati finanziari, al pari di azioni e obbligazioni. (it)
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