A Mortgage is a long-term loan repaid over a fixed period of time known as a mortgage term. Periods exceeding 5 years are usually regarded as long-terms. Long-term financing is required for procuring fixed assets, for the establishment of new business or for substantial expansion of existing business.

Corporate securities are instruments by which capital is raised by joint stock companies. There are two classes of corporate securities: ownership securities and creditorship securities. Ownership securities are the shares by which the owned capital, also known as venture capital, and risk capital is raised. The shares of a company may be broadly divided into Preference shares and Equity shares.

Preference shares are those which have preferential rights to the payment of dividends during the lifetime of the company, and a preferential right to the return of capital when the company is wound up. All shares that are not preference shares are equity shares, also called ordinary shares. Unlike the preference share, equity shares do not have a fixed rate of dividend.

Creditorship securities, which consist of debentures and bonds, are credit instruments that are widely used by companies to raise funds. The capital raised through creditorship securities is known as debt capital. The term debenture is defined as “a document under the company’s seal which provides for the payment of a principal sum and interest thereon at regular intervals, which is usually secured by a fixed or floating charge on the company’s property or undertaking which acknowledges a loan to the company.”

From the point of view of security, debentures are classified into Mortgage and simple or naked debentures. Mortgage debentures, also called secured debentures, are those which are secured by a charge on the assets or property of the company, whereas simple debentures are those that are not secured by any charge on the assets of the company.

Investment Properties provides detailed information about investment properties, investment property loans, investment property mortgages, buying investment properties and more. Investment Properties is the sister site of Loan Factoring.

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• To get a secured loan it can take time for loan approval, as the property will be inspected and appraised. Unsecured loans such as credit cards are usually faster to acquire, however the loan approval time may include a credit check. A credit check involves a lender getting a copy of your credit report to inspect your credit history.
  
  
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