What counts as unsecured debt?

Personal loans

It is the opinion issued by a specialized institution on the capacity and willingness of an entity to cover its financial obligations in the agreed manner, as well as on the risk of issuing a specific financial instrument.

It measures the deviation above predetermined maximum levels of the portfolio’s amortization service for a specific period. This indicator helps to evaluate the level of payments (refinancing risk) and therefore to define a policy on the terms of the new debt to be contracted.

People who lend money urgently

If the person subject to the refund is a debtor of the Social Security or has been granted a deferment or moratorium, the amount of the refund will be applied to the debt pending payment or repayment (except in the case of debt guaranteed by a generic guarantee).

Requests for reimbursement of income must be addressed to the Social Security Administration corresponding to the domicile of the person obliged to pay. In the event that the latter has its management centralized in a specific Administration, this will be the competent Administration.

The workers of the Special Schemes of: Self-Employed, Agrarian employed persons, Self-employed Sea Workers, Household Employees (family home owners and discontinuous workers) and Special Agreements, can request the refund of their contributions through the Electronic Headquarters >Citizens > Collection > Refund of Revenues of special regimes and systems.

Employers must apply to the Social Security General Treasury for a refund of their contribution as well as that of their employees, and must reimburse them when the refund is made effective. However, employees may apply directly to the General Treasury for a refund of their contributions if the company has disappeared or refuses to request such refund.

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I need urgent money

If anything is linked to an investment or financing, more than the return or interest rate, it is the risk. One that seeks to be mitigated via collateral. Let’s talk about secured versus unsecured debt.

The perception of risk has a correlative impact on profitability, yield or interest rate. Guarantees or collateral are stipulated to ensure the return of the invested or borrowed capital.

In this context, loans, bonds, debentures or other investment or financing instruments will be divided into two broad categories: secured or guaranteed debt and unsecured debt.

Large corporations and even governments issue fixed income instruments with no more than their moral and financial solvency as a guarantee of payment, an example of unsecured debt without equal: US Treasury Bills.

Let us expose in this installment some characteristics that differentiate the two types of obligations, i.e., secured debt and unsecured debt, which can be found in the portfolio of any credit intermediation institution.

Quien presta dinero rápido sin muchos requisitos

o mayor a 1.0; (4) una reserva “tail ratio”, que se define como el valor presente neto de las reservas probadas dividido por el total de la deuda, menor a 1.4; y (5) al menos $5 millones en efectivo o compromisos bancarios.

ratio actual superior a 1,0; (4) un ratio de cola de reservas, que se define como el valor actual neto de las reservas probadas dividido por el total de la deuda, inferior a 1,4; y (5) al menos 5 millones de dólares en efectivo o compromisos bancarios.

considera que dichas divergencias pueden reducirse, mediante una iniciativa legislativa, el asesoramiento a los servicios contables de los Estados miembros o incluso por medio de la publicación de nuevas instrucciones; pide a la Comisión que siga atentamente las iniciativas adecuadas ya emprendidas en este sentido

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estas diferencias de opinión pueden reducirse mediante una iniciativa legislativa, el asesoramiento a los servicios contables de los Estados miembros o la publicación de nuevas instrucciones; pide a la Comisión que continúe con las iniciativas adecuadas ya emprendidas, siguiéndolas de cerca

What counts as unsecured debt?
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