Close Menu
    What's Hot

    বাংলাদেশ ব্যাংকের প্রশংসায় ভাসছে এক্সিম ব্যাংক : গভর্নর

    November 17, 2024

    বাংলাদেশ ব্যাংকের প্রশংসায় ভাসছে এক্সিম ব্যাংক : গভর্নর

    November 17, 2024

    ঘুরে দাঁড়াচ্ছে এক্সিম ব্যাংক, শেষ প্রান্তিকের মুনাফায় তারল্য সংকট কেটে যাবে :গভর্নর

    November 9, 2024

    Subscribe to Updates

    Get the latest creative news from FooBar about art, design and business.

    Facebook X (Twitter) Instagram
    Trending
    • বাংলাদেশ ব্যাংকের প্রশংসায় ভাসছে এক্সিম ব্যাংক : গভর্নর
    • বাংলাদেশ ব্যাংকের প্রশংসায় ভাসছে এক্সিম ব্যাংক : গভর্নর
    • ঘুরে দাঁড়াচ্ছে এক্সিম ব্যাংক, শেষ প্রান্তিকের মুনাফায় তারল্য সংকট কেটে যাবে :গভর্নর
    • Inflation and exchange rate differences in the foreign exchange market
    • CU এক্স -স্টুডেন্টস অ্যাসোসিয়েশন, নোয়াখালী বার্ষিক বনভোজন
    • Exim internet banking service application form
    • Exim bank account opening form
    • Belly reducing exercises need and process
    Facebook X (Twitter) Instagram
    CellBurgCellBurg
    Demo
    • Home
    • Bank
    • Circular
    • Education
    • Investment
      • Finance
    • Tech
    • Notice
    • Update
    CellBurgCellBurg
    Home » Types of loan securities which bank ordinarily receive from client
    Bank

    Types of loan securities which bank ordinarily receive from client

    chowdhury.munnaBy chowdhury.munnaAugust 8, 2022Updated:August 8, 2022No Comments0 Views
    Facebook Twitter Pinterest LinkedIn WhatsApp Reddit Tumblr Email
    Share
    Facebook Twitter LinkedIn Pinterest Email

    Types of loan securities is something of value given to a lender by a borrower to support his or her intention to repay. In the case of a mortgage, the security is the property that the loan is being used to purchase. It may include tangible, intangible assets, or even a personal guarantee.

    Types of loan securities for Bank Credit

    Personal securities: When a bank lends to a borrower on the security of a third party. Then it is called lending on personal security. In the case of personal security, one has to look at the financial status, character, reputation, amount of debt, etc. of the guarantor. In the case of personal collateral, if the borrower is unable to repay the loan with interest on maturity, the guarantor is obliged to repay the loan. personal security consists of three parties. Such as: (1) Lender (Bank); (2) the borrower; (3) Guarantor. .

    Types of loan securities non-personal

    Non-personal security refers to movable and immovable tangible properties against which loans are granted. This type of security may include land, building, commodities, etc.

    Non-personal security is safer than personal security. If the borrower defaults, the tangible property can be sold in the market to realize the unpaid amount. Non-personal security can be charged by pledge, mortgage, hypothecation, assignment , set off or lien.

    1.Immovable Property: Banks often take security on various types of immovable property such as land, houses, buildings, etc. as collateral during the lending period. Before taking immovable property as collateral, the bank seriously considers the ownership, immunity and value of the property.

    2. Goods and products as security: As a guarantee of loan repayment, banks often provide loans by mortgaging the goods or mortgaging the warehouse keys. In this case, even if the owner owns the product, the borrower can sell the product until the loan is repaid as the possession is with the bank. In this case, if the borrower fails to repay the loan, the bank can collect the loan money by selling the goods. The most advantage of such collateral is that the goods can be sold easily.

    4. Marketable securities: Marketable securities such as exchange bills, shares, stocks, debentures, etc. are used as collateral for loans. These securities are very secure in modern loan system.

    5. Documents: Debts with securities of modern goods as collateral for loans. Banks usually lend against the following documents. Such as- Carriage of imported goods, railway receipt, dock receipt, warehouse receipt, dock warrant, chartered party receipt etc. At the time of lending, the bank retains the imported goods of these documents and takes necessary action.

    6. Valuable goods: Valuable goods such as gold ornaments, pearls, diamonds, etc. are often used as collateral for conventional loans. Disburses the loan amount within the stipulated time. The borrower returns the goods. In case of failure, the bank sells it and arranges for the recovery of the loan.

    What Is Working Capital? Importance of working capital

    non personal loan security securities for Bank Credit Types of loan securities
    Share. Facebook Twitter Pinterest LinkedIn Tumblr Telegram Email
    chowdhury.munna
    • Website

    Related Posts

    What is Pre-conditions to get loan write-off facility

    August 9, 2022

    What is insurable interest and its feature and advantage

    July 14, 2022

    Internet banking OTP media to e-mail service

    June 29, 2022
    Leave A Reply Cancel Reply

    Editors Picks
    Latest Posts

    Subscribe to Updates

    Get the latest sports news from SportsSite about soccer, football and tennis.

    Advertisement
    Demo
    Top Posts

    ঘুরে দাঁড়াচ্ছে এক্সিম ব্যাংক, শেষ প্রান্তিকের মুনাফায় তারল্য সংকট কেটে যাবে :গভর্নর

    November 9, 20241,260

    CU এক্স -স্টুডেন্টস অ্যাসোসিয়েশন, নোয়াখালী বার্ষিক বনভোজন

    February 10, 202465

    বাংলাদেশ ব্যাংকের প্রশংসায় ভাসছে এক্সিম ব্যাংক : গভর্নর

    November 17, 202448

    What is Loan pricing? Bank loan pricing considering factors

    August 11, 202219
    Don't Miss

    বাংলাদেশ ব্যাংকের প্রশংসায় ভাসছে এক্সিম ব্যাংক : গভর্নর

    By chowdhury.munnaNovember 17, 202448

    বর্তমান তত্ত্বাবধায়ক সরকারের আমলে এ পর্যন্ত বাংলাদেশ ব্যাংক এক টাকাও ছাপায়নি সেই জন্য জুলাই বিপ্লবের…

    বাংলাদেশ ব্যাংকের প্রশংসায় ভাসছে এক্সিম ব্যাংক : গভর্নর

    November 17, 2024

    ঘুরে দাঁড়াচ্ছে এক্সিম ব্যাংক, শেষ প্রান্তিকের মুনাফায় তারল্য সংকট কেটে যাবে :গভর্নর

    November 9, 2024

    Inflation and exchange rate differences in the foreign exchange market

    May 4, 2024
    Stay In Touch
    • Facebook
    • Twitter
    • Pinterest
    • Instagram
    • YouTube
    • Vimeo

    Subscribe to Updates

    Get the latest creative news from SmartMag about art & design.

    Demo

    Your source for the serious news. This demo is crafted specifically to exhibit the use of the theme as a news site. Visit our main page for more demos.

    We're social. Connect with us:

    Facebook X (Twitter) Instagram Pinterest YouTube

    Subscribe to Updates

    Get the latest creative news from FooBar about art, design and business.

    © 2025 ThemeSphere. Designed by ThemeSphere.
    • Home
    • Buy Now

    Type above and press Enter to search. Press Esc to cancel.