What Is Housing Expense Ratio?

The housing expense ratio is a metric used by lenders to determine how much of a borrower’s income is being spent on housing costs. This includes mortgage payments, property taxes, and insurance. Lenders use this information to assess a borrower’s ability to make their monthly payments and to determine what size loan they may be … Read more

Asset/Liability Management: What it is and What You Can Do With It.

. Asset/Liability Management: Definition and Strategies. Which is the backbone of ALM process? There is no one-size-fits-all answer to this question, as the backbone of an ALM process will vary depending on the specific needs of the organization. However, some key elements that are typically involved in an ALM process include asset and liability management, … Read more

What is the balance sheet?

The balance sheet, also known as the balance sheet, is nothing more than an exhaustive report that helps to check the health of a company in relation to its economic and financial state, carried out at a specific time. Thus, the concept of balance sheet is understood as a useful way to review the company's … Read more