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| Debt/equity ratio | Net interest-bearing financial assets/liabilities divided by the total of shareholders' equity and minority interests. | | | | | Discount Rate | A lower rate on an adjustable rate mortgage for the first adjustment period. After this period is over, the lender will adjust your loan according to the normal lenders margin rate. | | | | | Downpayment | The amount of money you put down, normally anywhere from 0 - 25%. | | | | | Due Diligence | A measure of prudence, activity or assiduity, as is properly to be expected from, and ordinarily exercised by, a reasonable and prudent person under the particular circumstances. | | | | | EBITA | Operating profit/loss excluding goodwill amortization, restructuring costs and impairment losses – or including restructuring costs and impairment losses. | | | | | Engineering Report: | Report generated by an architect or engineer describing the current physical condition of a property and its major building systems, i.e., HVAC, parking lot, roof, etc. | | | | | Environmental Report | A report generated by a qualified environmental firm to determine potential environmental hazards in a building's region or within the building itself. | | | | | Environmental Risk | A risk of loss of collateral value and of lender liability due to the presence of hazardous materials on a property. | | | | | Equity | 1. A shareholding in a limited company. By extension, 'equities' is generally used to mean the whole range of shares traded on a Stock Exchange
2. The amount by which the value of a property exceeds the total of the loans secured by mortgage(s) thereon.
3. The amount of cash or valued property that a principal has into their project or commercial venue is also termed equity
| | | | | Equity Capital | Capital raised from the owners. For commercial real estate, a lender will also provide equity capital for a percentage of ownership. | | | |
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