Agricultural Maximum (also known as an agricultural Wrap) This is a term used to describe a condition imposed by a Planning Authority when granting planning consent for the building of usually a dwelling. Usually the application is for an agricultural worker’s dwelling. A typical wording might be “the occupation of the dwelling shall be limited to a person solely or mainly employed or last employed in the locality in agriculture as defined in section 290(i) of the Town and Country Planning Act 1971, or in forestry, or a widow or widower of such a person (including and dependents of such a person, residing with them).” The effect of such a restriction is to limit the number of persons who are entitled to occupy the property and therefore this limits the market to which the property may be sold. See our article on this subject. (note for Hento – possible Link)
Arrears Where a payment due in respect of any form of credit is missed these are arrears. However, with most of the lenders we deal with the only missed payments taken into account and which will affect the terms offered will be arrears on any other mortgages or secured loans. The only exception to this is where an applicant currently lives in a rented property where arrears of rent will also have an impact on the terms offered. Where you think you are about to miss any payment it is important that you contact the lender just as soon as possible. There is no substitute for talking to your creditors if you cannot meet a payment.
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Eg, the fresh new Annual percentage rate for a lender charging you need for advance would-be higher than a lender billing need for arrears
Apr (APR) The yardstick by which you can compare the cost of one finance deal with another. This is the true cost of borrowing, in percentage terms and takes into account the cost of obtaining the credit. It is usually higher than the charging rate of interest because it takes into account the total cost of your borrowing over the full term of the loan. See also Interest Rate
You need to bear in mind that exactly how a lender charge the focus has actually an effect on it
Investment Money This is finance used for the purchase or lease of plant and equipment, machinery or vehicles. Other names for this are Lease purchase finance, Hire purchase, or leasing. With most purchase type agreements, the credit provider will retain ownership of the goods until and option to purchase fee has been paid at the end of any agreement, though online payday loans the Consumer Credit Agreement 1974 affords certain rights to those agreements where the credit involved is ?25,000 or less. There are two types of lease arrangements one being an Operating lease and a Finance lease. One important term is sale and lease back which is where an asset is sold to a credit provider and then leased back to the previous owner.
Balance Piece This really is a document that shows the condition of products off a business any kind of time provided area of your time even when always within year end. The initial point listings the businesses property. Repaired Possessions can be sometimes concrete or intangible assets. Real Repaired Possessions are genuine things such as structures, homes, bush, machines products and auto. Intangible Repaired Assets commonly actual something however they are issues that possess an admiration so you’re able to a business including goodwill or brand brands. Intangible Fixed Assets are usually receive merely regarding Equilibrium Sheet sets of large companies and you will where in actuality the product has been purchased. Such as, when Nestles ordered Rowntrees, which was a reputable brand name which was browsing have started taken care of as part of the rates paid for the fresh whole organization hence may have been recognised once the a keen Intangible Fixed Investment in Nestles Equilibrium Sheet.
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