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3. Widely used benchmark interest rate that lenders use to set the interest rate on loans and credit cards
6. Dollar value that is returned to an insurance policyholder if the policy is cancelled
7. Insurance policy or an investment that pays out a fixed amount
9. Percentage gain or loss on an investment expressed as a yearly rate.
10. Debt to be paid at regular times over a specified period
12. The fixed amount a lender adds to the base rate of an adjustable-rate mortgage to set the loan rate
13. Credit bureau risk scores produced from models developed by Fair Isaac Corporation
15. The process of estimating fair market value of an asset
16. A process that starts with creating a plan to record all cash inflows and outflows
18. The amount of income left after all deductions and taxes
19. An increase in the value of a capital asset that you own
20. The final stage of the loan process
22. The beneficiary of an estate

1. Gradual reduction of loan principal
2. Amount to which your investment grows in the future
4. Another name for the gift-tax exemption
5. An amount that you pay on your mortgage or other loan that constitutes an additional, unscheduled payment
7. The increase in the value of an asset, measured in dollars or as a percentage
8. An asset that is used to secure the repayment of a loan
11. Legal claim held by a creditor against an asset to guarantee or secure repayment of the debt
14. A record of how a consumer has repaid credit obligations in the past
17. Failure to make a loan or debt payment when due
21. Assets that belong to you