Certificate in Credit T18

Principal instrument is a document where __________ stamp duty is payable

When lenders grant unsecured loans to customers, the following factors need taken into consideration:

I. Customer with good earnings record
II. Customer's integrity
III. Customer's character
IV. Credit risk

What is the most common security taken by a lender?

Charge is a form of security. A 'perfected charge' refers to:

Which type of security do you need to be registered with the Companies Commission of Malaysia?

The following collateral are generally regarded as loss-free EXCEPT

What is the common form of security taken when lenders grant facilities like overdrafts and share margin financing?

The same securities can be taken in different forms. For examples, shares can be taken as a security by way of __________

I. Assignment
II. Pledge
III. Charge
IV. Hypothecation

Why fixed deposits are considered as the best form of collateral?

Which one of these types of securities is easily realisable?

How are securities categorised according to their behaviour over time?

I. Stable value
II. Fluctuation value
III. Appreciating value
IV. Depreciating value

What are the aspects of transferability that can affect the quality of a security?

I. Ownership
II. Physical transferability
III. Usage
IV. Perishability

Which of the following are not categorised as a form of security?

I. Lien
II. Power of attorney
III. Assignment
IV. Loan agreement

Which attribute of a good security cannot be applied to Malay Reservation Land Sdn Bhd shares

What is the most appropriate security a lender should use when financing a parent company on their strategic shareholdings in a listed company?

The following are the types of securities EXCEPT

What are the attributes of a good security?

I. Liquidity
II. Measurability
III. Transferability
IV. Enforceability

Under what circumstances lenders might consider taking an equitable charge?

I. As an additional comfort
II. Additional borrowings extended to charger
III. Only for short-term exposure
IV. Cash deposits as collateral

Which of the following is an advantage of taking land and building as a collateral as compared to land?

The following are considered to be jointly and severally responsible for each and every payment of the loan EXCEPT