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by Rajesh Goyal  I received recently an email requesting to explain the difference between above terms as the sender has been put this question in his interview.    With my 30 years experience in banking, it looked very simple, but I realised that when I was studying my law, I too had to put lot of effort to make the same clear.     Moreover, a large number of  bankers even get confused between these terms.   Thus, in the following paragraphs I will try to explain these in simple language so that even most of non-bankers or even students can understand the same.

Category: Hypothec


Free Mortgage Calculator

Calculate your mortgage payments using variable property taxes, pmi, interest rates, and loan terms. Get an interest vs. principal payment chart and monthly vs. bi-weekly repayment schedules and savings! Screenshots of Free Mortgage Calculator Last update Licence OS Support User rating: 30 July, 2013 Free Windows XP, Windows Vista, Windows 7 Free Mortgage Calculator For those who are preparing to purchase or refinance a property, our Mortgage Calculator is a must have tool to evaluate the amounts your property mortgage will cost you over the period of the loan.

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Mortgage Calculator

Your home is an investment. If you have a mortgage, then you probably want to repay your mortgage as soon as possible, minimizing your interest cost, without sacrificing your quality of life. Use this mortgage calculator to evaluate and develop a strategy by testing the effects of your repayment options. Full use of double up payments, lump sum payments, unique payments, custom payments, skips, and percentage increases are available. The Ultimate Mortgage Calculator My quest to build the Ultimate Mortgage Calculator began years ago.   I had just purchased my first house, and felt like I was being crushed by a home loan that was the size of a mountain.

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What is the difference between an option-adjusted spread and a Z-spread in reference to mortgage-backed securities (MBS)?

A:Unlike the Z-spread calculation, the option-adjusted spread takes into account how the embedded option in a bond can change the future cash flows and overall value of the bond. Mortgage-backed securities often have embedded options due to the prepayment risk associated with mortgages. As such, the embedded option can have a significant impact on the future cash flows and present value of the mortgage-backed securities. The embedded option's cost is calculated as the difference between the option-adjusted spread at the expected interest rate and the Z-spread.

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Listing on the Cambodia Stock Exchange

Jan 30, 2017 By Joseph Lovell This article was first published by Construction & Property Magazine, Issue 025 The Cambodia Stock Exchange (CSX) is one of the youngest and smallest stock exchanges in the world.   The shares of four companies are currently traded on the exchange. The first company to list on CSX was Phnom Penh Water Supply which made its debut on the bourse on 18 April 2012.   Since then there have been three additional listings—garment maker Grand Twins International, the Phnom Penh Autonomous Port, and the special economic zone operator Phnom Penh SEZ Plc.

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Fractions Calculator

Use this fraction calculator for adding, subtracting, multiplying and dividing fractions. Answers are provided as simplified fractions in lowest terms or as mixed numbers in reduced form. Input proper or improper fractions, select the math operation and click Calculate. You can also add, subtract, multiply or divide negative fractions. Insert a negative (minus) sign before the numerator (top number) for each fraction that is negative. For example if one of your fractions is -16/20 just insert a "-" before the "16" and proceed to enter all other numerators and denominators.

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15 Meaningful Quotes That Make You Think

In the busy lives we lead it’s not hard to lose perspective on the things that are important to you. When you get caught up in the rat race of your day to day life, with all it’s annoyances and frustrations, it’s vital to keep the right perspective on the things that matter most and to prioritize them. Reading meaningful quotes and internalizing them is a great way to take stock of your life. No matter how busy you are in your working day take a few minutes for yourself and read these quotes However busy you are, be it at work or at home with the kids, it’s important to always make sure you take a few minutes for yourself during the day.

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Agreement of Movable Hypothec Without Delivery - Template & Sample Form | Biztree.com

AGREEMENT OF MOVABLE HYPOTHEC WITHOUT DELIVERY This Agreement of Movable Hypothec Without Delivery (the “Agreement”) is effective [DATE], BETWEEN: [YOUR COMPANY NAME] (the "Purchaser"), a company organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] AND: [COMPANY NAME] (the "Seller"), a company organized and existing under the laws of the [State/ Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] 1. INTERPRETATION DEFINITIONS The following terms and expressions, wherever used in these prese Size68KB FormatMicrosoft Word (.

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Cambodia�s land prices are rising amidst strong economic growth

� After being depressed for several years, Cambodia’s property market is now recovering slowly, fuelled by strong economic growth and the new foreign ownership law. Despite the absence of official property price statistics, land prices in the country were estimated to have been rising recently. In Phnom Penh, Cambodia’s capital, land prices rose by an average of 15% during the first half of 2013 from the same period a year earlier, to US$2,350 per square meter (sq. m. ), according to local real estate experts. In the Boeung Keng Kang 1 ( BKK1) area, land prices stood between US$3,500 and US$4,000 per square meter (sq.

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Free Mortgage Calculator Tool for Your Desktop

Use this Free Windows Utility to Add a Mortgage Calculator to Your Computer TodayDownload the free mortgage calculator today. We offer 2 convenient options: Mortgage Calculator. exe file - click the link and immediately run the mortgage calculator. This is the best option if you are in a rush and/or only plan on using the calculator today. Mortgage Calculator. zip file - download the zip file, extract it, and install it on your computer. This is the best option if you plan on using the calculator many times over the coming days, weeks, and months.

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