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SPEEDY Railway Book (English)

Banking Terms and Glossary : Part - 7 (Alphabet - H and I)

Banking Terms and Glossary : Part - 7 (Alphabet - H and I) for IBPS PO, IBPS CLERK, INSURANCE EXAMS, RRB OFFICER SCALE 1, RRB ASSISTANT, SBI PO, SBI CLERK

Banking Terms and Glossary : Part - 7 [Alphabet - H & I]

Essential for All Upcoming Bank Exams
  • Haircut – The difference as a security market value and parallel as the difference when its value. Hair loss is done to protect a parallel receiver due to loss due to the collapse of compressed values. 
  • Holding company – Another company controls a company, usually because its shares are more than half. 
  • Home Equity Line of Credit (HELOC) – A line loan secured by equity in a consumer's home. It can be used for debt consolidation, home improvement and other major purchases. Loans given interest are usually tax deductible (a tax advisory advice to make sure). Funds can be accessed by writing check against credit or cash advance line. 
  • Home Equity Loan – A Home Equity Loan lets you tap your home build up equity, which is the difference between the amount of sales for your home and you still have negative amounts. For homeowners, often using a home-equity loan, paying for a new car, or financing for their child's college education. Generally the interest payable is tax-deductible. Since the loan is secured by the equity of your home, if you make the default, then the bank may close your home and take ownership of it. 

  • Hedge – Any investment by any other investment may result in any loss of purchase. 
  • Hedge ratio – Hedging a hedge device and the size of the condition is the relation between the sizes of a position. Hedge ratio is determined by Delta.

Alphabet - I
  • Initial Public Offering (IPO) – The first public offering of general stocks, such as a part of a common stockholder general stock or a fully-owned subsidiary of a former proprietary company. 
  • Insurance – An agreement in which a party agrees to submit a fee for another party (in exchange for money), which will result in a specific loss. The person or firm risk involved is insurance. The team is the insurance team to avoid losses. 
  • Interest rate – Interest rate savings account or annual percentage paid on CD or charged on credit. The interest paid on a deposit account is "Annual Percentage Applicable" (APY) and the rate of loan rate is "Annual Percentage Rate" (APR). 
  • Internal Rate of Return (IRR) – The discount rate is an investment net where the net current value is zero. 
  • Index-linked Certificate of Deposit – An index-linked CD is the responsibility of the issuing bank's deposits and it is often sold through the branches of the bank and approved and unconstitutional brokers. Index-Linked CD gives the investor the ability to participate in the specific index of the CD, if any. Pay-out structures can be complex in index-linked CDs and may not be suitable or suitable for all investors. Details of relevant documents and disclosure statements relevant to investors should be carefully reviewed considering the risk of the investment. Index-linked CDs are not securities and not registered under Securities Act. 
  • Inflation Premium – The premium for the expected inflation is that the interest rates of interest to the investors are in addition to interest rates. 
  • Individual Retirement Account (IRA) – Annual tax-deductible contributions to a certain extent can be a retirement savings program for individuals. Taxes are not taxed until the exempted amount is withdrawn. The person is not allowed without punishment before reaching age 59 1/2. 
  • Indirect financing – Process that collects the fund's expense unit from the financial surplus unit, from the financial surplus unit, the financial intermediaries. 
  • Insured Deposits – Due to the failure of the bank, deposits held by financial institutions, certified by the Federal Deposit Insurance Corporation (FDIC) against losses. 
  • Indirect taxes – Taxes, which are charged on product production, import or export: Excellence and customs duty. 
  • Inflation – Percentage rate of change in price level. 
  • Insufficient Funds – When a depositor checks account balance payments are inadequate to pay a check. 
  • Interest – The term is used to describe interest usage, property rights, shares, or use of title. 
  • Index – A benchmark based on an unrated rate loan or the rate of payment or the applicable rate for the investment. For example, the principal rate of a business loan can be plus interest of 1 percent. In that example, the main rate is indexed. Regular-rate residential mortgage loans, according to federal law, the index should be independently run (not controlled by the lender) and the index must be easily guaranteed by the lender. View the date of the margin and reset.
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