I. noun
COLLOCATIONS FROM OTHER ENTRIES
a bank loan
▪
What's the interest rate on your bank loan?
a student loan/grant (= money that is lent or given to a student )
▪
Some of them are still paying off student loans.
bridging loan
home loan
loan shark
long-term loan/investment
repay a loan/debt etc
▪
Your mortgage will be repaid over 25 years.
savings and loan association
secure...loan
▪
He used his house to secure the loan .
student loan
take out a policy/injunction/loan etc
▪
Before taking a loan out, calculate your monthly outgoings.
COLLOCATIONS FROM CORPUS
■ ADJECTIVE
bad
▪
The latter was hurt by bad property loans in its Arizona and Texas subsidiaries.
▪
Banks are trying to cut costs to generate money to write off their bad loans .
▪
They argue that banks have put the worst of their bad loans behind them and become more efficient, making record profits.
▪
Traders said domestic institutions are selling stock in order to raise money to pad their bottom lines and help offset bad loans .
▪
Rising bad loans could conceivably bring down an insurer or a hedge fund with little or no warning.
▪
Banks still hold several trillion yen of bad loans .
foreign
▪
The import element of such schemes can be financed by foreign currency bank loans .
▪
Leaders of the independent republic, therefore, turned to foreign nations for loans to cover the expenses of government.
▪
Approximately 70 percent of development expenditure was to be financed from foreign assistance and loans .
▪
Last month Ivory Coast for the first time missed several key payments on foreign loans .
▪
Foreign-debt servicing is not included in spending, though foreign loans received are included in revenue.
▪
The Ryzhkov plan is also cautious on foreign loans and investment.
large
▪
For larger loans security may be required.
▪
We would recommend you protect your loan with suitable life cover and for larger loans this would normally be a requirement.
▪
Analogously, large loans attract a lower interest rate than small loans because of the administrative economies of scale.
▪
Consequently, at the end of the deferred term, you will have a larger outstanding loan to pay off.
▪
We chose these three prices because most larger loan discounts come into force when you borrow more than £60,000 or £100,000.
▪
And it is not just those with larger loans who can make great savings.
new
▪
It offers a new fixed-rate loan where people have to pay 10.6 percent for five years.
▪
As new inventory items are received, new loans are created.
▪
Do you take out a new loan before the old one is paid off?
▪
And the bank has always been willing to make new loans to cover old ones.
▪
Do you take out a new loan to pay off the old one?
▪
Interest rates on the new Sallie Mae loans vary quarterly.
▪
Hammadi said that the budget would reduce by US$2,495 million foreign debts including new loans expected in 1990.
▪
The pace of growth in new auto loans also lost momentum from the previous month.
personal
▪
His fall into debt started at the age of 16, when Barclays gave him a personal loan of £5,000.
▪
Discussed with my accountant the benefits of leasing or personal loan .
▪
They have used finance company personal loans more than women have in the past, but women now use them as much.
▪
Banks say the devices increase the number of personal loan transactions.
▪
The average person owes more than £6,300 through personal loans , credit cards and hire purchase.
▪
Interest rates, running around 15 percent, and repayment terms are similar to the traditional personal loan .
▪
They also provide personal loan facilities and financial advice to their customers.
▪
A 125 per cent loan is a personal loan partly secured on the property, wrapped around a mortgage.
soft
▪
The production of renewable energy sources should also be promoted through grants, soft loans and fiscal incentives, the report concluded.
▪
The funding packages-a mixture of soft loans , grants, scholarships and paid work on campus-vary.
■ NOUN
agreement
▪
The seller must be asked whether any of the fixtures and fittings are subject to hire purchase or loan agreements .
▪
Much of the complaint against Isetan refers to the structure of the various lease and loan agreements , rather than their wording.
▪
The law of Ohio was the proper law of the loan agreement .
▪
Studio Plus says it expects the loan agreement to close within the month.
▪
Fixed Interest: the rate of interest will not change during the period of the loan agreement .
▪
People in manufacturing or wholesale businesses frequently have revolving loan agreements with their banks.
▪
Keith was impressed with the integrity of the conditions at Newark and was more than happy to come to a loan agreement .
▪
And seldom does a revolving loan agreement state that the bank must let you pay payroll taxes.
bank
▪
Men tend to use bank credit cards, bank loans or overdrafts more than women do.
▪
Finally, interest expense on the long-term bank loan is payable quarterly at the rate of 12 percent per year.
▪
On May 5 a special court had acquitted Zardari of fraudulently obtaining a bank loan .
▪
The two couples then applied for a bank loan to help finance construction of a six-bedroom oceanfront mansion.
▪
Although bank loans are a vitally important source of finance, this is not to the complete exclusion of equity issues.
▪
The scheme, started two years ago, is designed to support ventures which normally would not qualify for bank loans .
▪
But clearly very many more potential users think that bank loans would be difficult.
business
▪
Midland has a full range of business loans to meet these needs.
▪
For your corporation, the loan would be a business loan and the interest would be fully deductible.
car
▪
Further reports on lighting and car loans will be presented to the council in coming months.
▪
Lower interest rates, for example, spur car loans and home mortgages.
▪
In total they owed £6,000 on a car loan and credit cards.
▪
When violating marriage vows carries less legal weight than defaulting On a car loan , why should people bother?
▪
Digital workers were always good for a car loan or a mortgage, perceived as being in secure, well-paid jobs.
▪
Rates on car loans and credit cards should come down too, but perhaps not as quickly, said economists.
▪
Good workers, with high self-esteem ... not the type to renege on a £60,000 mortgage or a £10,000 car loan .
▪
Rates for car loans are about 45 percent, though they have been as high as 50 percent in the last year.
company
▪
You will have to approach a specialist bridging loan company .
▪
Concern about the housing loan companies tempered any gains in exporters, rising with the dollar.
▪
He found a job quickly, working as a collections manager for a loan company at $ 340 a month.
guarantee
▪
Counselling services and loan guarantees are among the better known.
▪
How are loan guarantees to be counted?
▪
To be managed by the Federal Railroad Administration, the programme will offer loans and loan guarantees for up to 25 years.
▪
Congress has approved $ 117 million in development aid and loan guarantees to Pretoria this year.
▪
The government-sponsored loan guarantees could be an alternative for some airlines which have been seeking foreign partners, the Times said.
▪
He had helped lead the Senate fight for the loan guarantees .
home
▪
An increase in mortgage interest rates depresses the demand for home loans as individuals reduce their demand for new housing.
▪
Demand for mortgage passthroughs, which represent pools of home loans , recently has increased, traders said.
▪
BofA also originates $ 10. 3 billion in home loans , ranking it the ninth largest in the country.
▪
But the result confirmed that building society provisions will rocket this year to cover bad and doubtful home loans .
▪
For a thrift manager to make a thirty-year home loan , he had to accept a rate of interest of 10 percent.
▪
The level of provisions could begin to drop next year as fewer families fall behind in their home loan payments.
▪
The average home loan is now almost triple the £13,000 at the beginning of the Eighties.
mortgage
▪
As Table 4.1 shows, over 80 percent of building society assets consist of mortgage loans for the purchase of property.
▪
Hundreds of lawsuits have been filed by homeowners across the country alleging mortgage loan fraud.
▪
Building societies' major assets are mortgage loans .
▪
To take advantage of it, however, the thrifts had to sell their mortgage loans .
▪
The wife and kids, the mortgage loan , the car payments.
▪
Loan counselors using the Internet assist in selecting the right mortgage loan .
▪
Bit IFAs can also arrange mortgage loans through the high-street lenders.
▪
It has $ 42 billion in outstanding mortgage loans among 502, 000 families in metropolitan Los Angeles.
repayment
▪
Furthermore, the Brewery loan repayments were re-negotiated and special discounts arranged on the goods they supplied.
▪
This provides an assured market for the product and thus serves as a loan repayment source.
▪
One is to make maximum use of long-term debt, soas to avoid loan repayments before the project's completion.
▪
The net deficit, after allowing for tax concessions and loan repayments , would be F$28,000,000.
▪
The external loan repayments relate to the cash flows out of the authority enforced by maturity dates earlier than 60 years.
▪
If the business can not continue to meet the loan repayments , the lender is entitled to seize the security.
▪
Firstly, loan demand must come from creditworthy customers who can guarantee loan repayment at a future date.
▪
B and L were unable to keep up with their loan repayments and the bank appointed administrative receivers.
scheme
▪
The average student is much better off under our arrangements of a combined grant and loan scheme than previously.
▪
Further details of these special loan schemes can be obtained by ticking the appropriate box on the attached coupon.
▪
She had previously benefitted from a credit and loan scheme , but had been unable to continue due to lack of funds.
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Mr. Alan Howarth More than 245,000 students have received loans since the introduction of the student loans scheme in autumn 1990.
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This student loans scheme has degenerated into open shambles.
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The student loan scheme deters many bright youngsters from poor families.
▪
The November 1988 white paper on the loan scheme proposed a move to gross income.
▪
The student loans scheme has proved a success.
shark
▪
It originally meant the pledging of the coming rice crop to local loan sharks .
▪
As a class, professional golfers are swell well-scrubbed chaps and chaplets, infinitely preferable to professional wrestlers or professional loan sharks .
▪
This compares with some loan sharks who can charge in excess of 10,000 percent!
▪
In Ireland, the coverage of unions is now so extensive that the loan sharks have been almost driven out of business.
stock
▪
Any new stock will need to be constituted by an appropriate trust deed or loan stock instrument.
▪
The pension fund loan and loan stock are to be repaid immediately following completion provided their terms allow for repayment on completion.
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Unsecured loan stocks are corporate bonds that are not secured by either a fixed or a floating charge.
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Preference shares, particularly redeemable preference shares, are sometimes considered to be more akin to loan stock than share capital.
▪
Other main forms of payment involve the issue of shares or loan stock by the purchaser.
▪
Secondly, even if loan stock is unsecured it will rank equally with the other unsecured creditors.
▪
The offeror will have a choice of issuing secured, unsecured or subordinated loan stock .
▪
Unsecured loan stock will have a higher carrying cost but less of an impact on the offeror's gearing.
student
▪
Her student loan ran out earlier last month and she is now £500 overdrawn.
▪
Some of them are still paying off student loans and confronting the increasing costs of educating their own children.
▪
It is £2,265 for the full grant and £420 for the student loan - in total a yearly income of just £2,685.
▪
It borrows money by selling its own debt and invests in student loans .
▪
The remaining budget was made up by personal contributions-\#student loans !-from the team members.
▪
As I was applying for student loans , I learned that federal grants were slated for Republican cuts.
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Picture, page 4 Rethink call from Tory peers follows banks' pull-out Minister in corner over student loans .
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The standard rate for a federal student loan that does not require a co-signer is now 8. 25 percent.
■ VERB
arrange
▪
Her friend Abraham Goldsmid arranged a loan , but it did not last her long.
▪
They are adept at arranging huge loans , underwriting stock offerings and putting together multinational mergers.
▪
But they are usually tied to a particular building society or insurance company and so will only arrange loans with them.
▪
Some securities firms arrange bank loans for customers, earning fees for doing so.
▪
Companies may arrange such loans through a third party - for instance, through the relocation company.
▪
Then I could arrange a loan for what I owe him and slide on to the reclining dental chair.
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Bit IFAs can also arrange mortgage loans through the high-street lenders.
▪
They are invited to write to the Principal Librarian to arrange a postal loan service.
grant
▪
Companies hit by labour disputes were to be granted emergency loans and allowed to postpone tax repayments for up to nine months.
▪
Besides scoring consumers, Fair, Isaac pioneered using the same techniques to grant loans to businesses.
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She became an independent student and financed herself through two scholarships, an equal opportunities grant and a state loan .
▪
When a customer is granted a loan by his bank, the sum of money lent is added to his account.
▪
The next question is whether such action is taken in relation to the grant or refusal to grant a further loan .
▪
The business lobby has been squealing for everything from accelerated depreciation allowances to a Business Development Board to grant cheap loans .
▪
The bank does this by granting new loans amounting to £18,000.
make
▪
Banks used to make loans and keep these on their books until they were repaid.
▪
The pension funds that made the Mercado loan have other ideas.
▪
Firms may also make provision for bridging loans or provide temporary mortgage facilities.
▪
When David Hale claims he was pressured into making illegal loans , he is branded a crook and a liar.
▪
The banker puts together different contributions to make a syndicated loan .
▪
It tells you who makes these kinds of loans .
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We are going to make sure that loans we get go to the productive sector.
obtain
▪
All Stirling could obtain was the loan of one officer and twelve other ranks.
▪
Accounts receivable may be pledged, assigned, or factored as a means of obtaining short-term loans .
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Palm-greasing for just about anything from entry to a favoured school to obtaining a bank loan has been considered a fact of life.
▪
Santa Anna had created twelve thousand new civil and military positions and had obtained several loans at ruinous rates of interest.
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To obtain a loan , applicants must belong to a professional or trade group of 15 people.
▪
They allow the farm to obtain a loan from the government by using the crop at collateral.
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On May 5 a special court had acquitted Zardari of fraudulently obtaining a bank loan .
▪
There are around 180 repair schemes to help older people obtain grants or loans for repair and improvement work.
offer
▪
It offers a new fixed-rate loan where people have to pay 10.6 percent for five years.
▪
Middle-income families were offered government-guaranteed loans but no grants.
▪
She went to see if she could be of any use. Offer the loan of her car?
▪
Many will offer low-interest loans , tax breaks or whatever else it takes to close a deal.
▪
National development organizations and regional or international agencies sometimes offer long-term loans for certain classes of projects at low rates of interest.
▪
I have been offered the loan of an old retired Cadillac.
▪
To be managed by the Federal Railroad Administration, the programme will offer loans and loan guarantees for up to 25 years.
▪
Her computer breaks down on deadline; amiably, he offers the loan of his laptop.
pay
▪
Again, separate life cover is required to pay off your loan in any eventuality.
▪
Some of them are still paying off student loans and confronting the increasing costs of educating their own children.
▪
You can pay off the loan early, at any time, without any penalty.
▪
A homeowner who has paid down that loan or seen a significant increase in property value may no longer need this coverage.
▪
Younger lawyers often have greater need for current cash to support young families and pay off educational loans and mortgages.
▪
Last week the deadline for finding eight thousand pounds to pay back a loan from a mortgage company expired.
▪
They also do not charge you for paying off the loan early.
▪
As a result, a number of employers are prepared to pay for interest-free loans .
provide
▪
It thus provides lower cost loans by operating with narrower interest rate margins than those of domestic banking operations.
▪
Secondly, there is a buyer credit where a bank in the exporter's country provides a loan to the importer.
▪
Park provided cheap loans and tax benefits to nurture Daewoo and a few other businesses into conglomerates that mass-produced for export markets.
▪
The balance of the contribution was paid into the welfare fund, which was used to provide interest free hardship loans .
▪
They also provide personal loan facilities and financial advice to their customers.
▪
So many banks prefer to provide against their loans and pray for recovery.
▪
Another £3.6m was provided against loans to the trustees of the Employee Share Option Trust.
receive
▪
Mr. Alan Howarth More than 245,000 students have received loans since the introduction of the student loans scheme in autumn 1990.
▪
Regular attendance is a pre-condition to receiving a loan .
▪
As new inventory items are received , new loans are created.
repay
▪
If they buy on credit are they likely to encounter difficulties in repaying the loan ?
▪
She apparently stopped repaying the loan after the bank changed ownership and lost the loan documents, they said.
▪
If you get into difficulties repaying the loan , go straight to the lender and explain the problem.
▪
The trick was to buy them below face value just before the homeowners repaid their loans .
▪
It is like taking out a mortgage: we have to repay the loan many times over.
▪
The members were very scrupulous about repaying their loans , with interest.
▪
If you want to repay your loan early that's fine with us.
▪
Council officials say they used the $ 8 million to repay loans and expenses connected with the mifepristone project.
secure
▪
Careful arrangements were made to secure loans .
▪
It was alleged that the shares were deposited at National Westminster Bank and used to secure loans for the Maxwell companies.
▪
While others advertise building societies, he has enough problems securing a loan .
▪
The new guarantee is designed to help farmers establish a base farming income, needed to secure agricultural loans .
▪
Even those Junkers who managed to secure loans were already heavily in debt.
▪
Government favour also helped firms secure loans from private banks.
▪
Lendoiro secured a loan to wipe out the club's debts and give the club some clout in the transfer market.
service
▪
Banks' need for capital is greatest when economies are in recession and borrowers can not service their loans .
▪
A lawyer representing the company currently servicing the loan denies Aikens' assertions.
▪
Yet still his outgoings, swollen by servicing the loans , were not covered in their entirety.
PHRASES FROM OTHER ENTRIES
call in a loan/debt
▪
As the banks were squeezed, they called in loans and forced bankruptcy on their clients.
▪
As we have seen, if banks are short of cash they can call in loans from the discount houses.
▪
No banks to call in loans.
▪
The college takes 500 pupils from across the world and decided to call in debt collectors as a last resort.
clear a debt/loan
▪
It is coupled with Gade's third symphony, a work combining originality with clear debt to Mendelsshon's symphonic style.
forgive a debt/loan
service a debt/loan
▪
The result is inadequate cash flow to service debt during the first critical years after purchase.
▪
The workers and peasants toil and sweat to service debts owed to the international bankers and multilateral agencies.
soft loan/credit
▪
The funding packages-a mixture of soft loans, grants, scholarships and paid work on campus-vary.
▪
The production of renewable energy sources should also be promoted through grants, soft loans and fiscal incentives, the report concluded.
EXAMPLES FROM OTHER ENTRIES
▪
a long-term bank loan
▪
attempts to increase the safety of loans to foreign countries
▪
Cox specialized in assisting borrowers who didn't qualify for bank loans.
▪
Failure to repay a student loan can ruin that person's credit rating.
▪
He received hundreds of dollars in loans from the financial institutions.
▪
I can't afford to buy a new sofa until I pay off this loan .
▪
If you need more money, we can arrange a loan .
▪
Mexico repaid its US loans through a successful program of economic reform.
▪
She survived by taking out a bank loan and working extra hours.
▪
Take out a Midland personal loan now and pay the money back in easy stages.
▪
The bank offered him a loan of £15,000 to set up a business.
▪
The organization asked for a $2 million loan to plant new trees in the rainforest.
▪
We have a full range of business loans to suit your needs.
▪
We took out a loan to buy a new car.
EXAMPLES FROM CORPUS
▪
He says he actually was referring to loans that surpass the equity of the homes, not home-equity loans in general.
▪
Last month Ivory Coast for the first time missed several key payments on foreign loans.
▪
Men tend to use bank credit cards, bank loans or overdrafts more than women do.
▪
The charge on loans to depository institutions by the Federal Reserve Banks.
▪
The funds could be provided by you as a shareholder either as a loan or as further share capital.
▪
The same loan from First Active Financial would have set you back £4,088.92.
II. verb
COLLOCATIONS FROM CORPUS
■ NOUN
bank
▪
In effect the Berlin banks who loaned money to the Junkers were paying themselves through an agricultural clearing house in East Prussia.
▪
The Fed lowered the key federal funds rate on overnight bank loans twice last year, in July and December.
▪
Congress also has shifted from direct loans to loan guarantees: promises to pay back private bank loans if the borrowers default.
▪
The second major source of short-term financing is commercial bank loans .
▪
Schneider faces five counts of fraudulently obtaining bank loans for building projects and one count of failing to disclose bankruptcy.
million
▪
One would call for $ 6. 35 million in public loans to leverage $ 30 million in private investment.
▪
The company took the original $ 30 million loan as part of its initial public offering in June 1995.
money
▪
Of course, some third world countries spent heavily on armaments, bought effectively from the same capitalist cartel who loaned the money .
▪
Everybody contributed something, and then we agreed to loan the money out to various members.
▪
In effect the Berlin banks who loaned money to the Junkers were paying themselves through an agricultural clearing house in East Prussia.
▪
The bankers just got four years of good cussing by everybody for loaning too much money .
▪
I offered to loan him money to go for a two-week vacation there and see if he liked it.
▪
It was what made Frank give out the food or loan some money to a man out of his own pocket.
trillion
▪
The jusen are saddled with 6. 27 trillion yen in uncollectible loans .
yen
▪
The jusen are saddled with 6. 27 trillion yen in uncollectible loans .
PHRASES FROM OTHER ENTRIES
soft loan/credit
▪
The funding packages-a mixture of soft loans, grants, scholarships and paid work on campus-vary.
▪
The production of renewable energy sources should also be promoted through grants, soft loans and fiscal incentives, the report concluded.
EXAMPLES FROM OTHER ENTRIES
▪
The family loaned their collection of paintings for the exhibition.
EXAMPLES FROM CORPUS
▪
About one hundred sculptures and constructions, the majority loaned by the Fundacio Joan Miró and shown with related drawings and sketches.
▪
And how generous was the young count, to loan his auto to Papa for our family needs.
▪
City cops looked the other way, and the Cal State Angels loaned us hardware.
▪
Payments received in excess of the amount loaned are the property of the borrower.