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Lienलियन (रोक्का राख्ने अधिकार)A lien is a creditor's right to keep possession of a debtor's property or funds until the debtor pays what is owed.Loans & CreditLoan / Creditकर्जा / ऋणA loan is money a bank lends to a borrower on agreed terms, to be repaid with interest within a fixed time. Credit is the wider idea of trust that lets a borrower receive funds or facilities now and pay later.Loans & CreditLoan Guarantee Commissionकर्जा जमानत कमिशनA guarantee commission is the fee a bank or guarantor charges for standing guarantee for a customer's obligation, usually as a percentage of the guaranteed amount for the guarantee period.Loans & CreditLoan Processing Feeकर्जा प्रशासनिक सेवा शुल्कA loan processing fee is the one-time service charge a bank collects for appraising and approving a loan.Loans & CreditLoan Restructuring and Reschedulingकर्जाको पुनरसंरचना तथा पुनरतालिकीकरणRescheduling extends the repayment period of a loan; restructuring changes its nature, terms or covenants. Both are used when a borrower's repayment capacity weakens but recovery is still likely.Loans & CreditLoan Takeover and Loan Swapकर्जा खरिद-बिक्री तथा कर्जा स्वाप (टेकओभर)A loan takeover or swap is when one bank buys or takes over a borrower's loan from another bank, usually because the borrower moves to the new bank for better terms.Loans & CreditLoan against Fixed Depositमुद्दती रसिदको धितो कर्जाA loan against a fixed deposit is a loan secured by a lien on the borrower's fixed deposit receipt, usually priced as a margin over the deposit rate.Loans & CreditLoan against Promoter Sharesसंस्थापक शेयर धितो कर्जाA loan against promoter shares is a loan secured by the promoter (founder) shares of a bank or financial institution, which NRB allows only under strict valuation and tenure limits.Loans & Credit