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ACH: (see Automated Clearing House) Amortization: Loan payments by equal periodic amounts calculated to pay off the debt at the end of a fixed period, including accrued interest on the outstanding balance. Amortized Loan: A loan to be repaid, by a series of regular installments of principal and interest, that are equal or nearly equal, without any special balloon payment prior to maturity.
Anniversary Date : The date upon which the twelfth payment is due. This occurs in the same calendar month and day each year thereafter on any MOP Promissory Note. Annual Percentage Rate (APR): A percentage rate that reflects the amount of interest earned or charged. Applicant: An eligible Appointee designated by one of the ten University campuses, Office of the President or, LBNL as eligible to apply for a loan under the UC Home Loan Program.
Application Checklist : An itemized list of documentation that the borrower and the campus need to provide to the Office of Loan Programs for either pre-approval or loan approval.