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DEBT MANAGEMENT Inquiry Request :
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Bisig Valenzuela Jobs and Careers Debt Management
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Bro. Oliver Bugarin, Licensed Financial Advisor
DEBT MANAGEMENT in Philippines
Our debt management topics:
1. Multiple signs the your in
Prepare your family for life's financial challenges and avoid future huge debts! We have the solution.
PROTECTION WITH INVESTMENT GROWTH
HIGH GROWTH POTENTIAL
PROTECTION WITH GUARANTEES
A debt (or arrear) generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. The borrower or debtor may be a sovereign state or country, local government, company, or an individual. The lender or creditor may be a bank, credit card company, payday loan provider, or an individual.
Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest. The term can also be used metaphorically to cover moral obligations and other interactions not based on economic value.
Interest rates may be fixed or floating. In floating-rate structures, the rate of interest that the borrower pays during each time period is tied to a benchmark such as LIBOR or, in the case of inflation-indexed bonds, inflation.
For some loans, the amount actually loaned to the debtor is less than the principal sum to be repaid. This may be because upfront fees or points are charged, or because the loan has been structured to be sharia-compliant. The additional principal due at the end of the term has the same economic effect as a higher interest rate. This is sometimes referred to as a banker's dozen, a play on "baker's dozen" – owe twelve (a dozen), receive a loan of eleven (a banker's dozen).
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