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Collateralधितो सुरक्षणCollateral is an asset that a borrower or a third party offers to a lender as security, which the lender can sell to recover the loan if the borrower defaults.Loans & CreditConsortium Financingसह-वित्तीयकरण कर्जाConsortium financing is a loan given jointly by two or more banks to one borrower or project under an agreement, usually with one bank acting as the lead bank.Loans & CreditCredit Appraisalकर्जा विश्लेषण (क्रेडिट मूल्याङ्कन)Credit appraisal is the bank's assessment of a loan proposal, covering the borrower's repayment capacity, financial position, purpose, collateral and risks, before deciding whether and on what terms to lend.Loans & CreditCredit Card Loanक्रेडिट कार्ड कर्जाA credit card loan is the revolving, usually unsecured, credit a bank extends through a credit card, which the cardholder repays in full or in part each billing cycle.Loans & CreditCredit Cycle and Loan Managementकर्जा चक्र तथा कर्जा व्यवस्थापनThe credit cycle is the sequence of steps a loan goes through in a bank, from application and appraisal to sanction, documentation, disbursement, monitoring and final recovery or closure.Loans & CreditCredit Information and Blacklistingकर्जा सूचना तथा कालोसूचीCredit information is the record of borrowers' loans and repayment history that banks share through Credit Information Bureau of Nepal Ltd, which also keeps the blacklist of defaulters.Loans & CreditCredit Ratingक्रेडिट रेटिङ (साख मूल्याङ्कन)A credit rating is an independent assessment by a rating agency of a borrower's or an instrument's ability and willingness to repay debt on time, shown as a letter grade.Loans & Credit