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Hypothecate Vs Hypothesis Statement

Both the hypothesis statement and the thesis statement answer a research question. 

  • A hypothesis is a statement that can be proved or disproved. It is typically used in quantitative research and predicts the relationship between variables.
     
  • A thesis statement is a short, direct sentence that summarizes the main point or claim of an essay or research paper. It is seen in quantitative, qualitative, and mixed methods research. A thesis statement is developed, supported, and explained in the body of the essay or research report by means of examples and evidence.

Every research study should contain a concise and well-written thesis statement. If the intent of the study is to prove/disprove something, that research report will also contain a hypothesis statement.

NOTE: In some disciplines, the hypothesis is referred to as a thesis statement! This is not accurate but within those disciplines it is understood that "a short, direct sentence that summarizes the main point" will be included.

For more information, see The Research Question and Hypothesis (.doc file from the English Language Support, Department of Student Services, Ryerson University).


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Table of Contents

Mortgage and hypothecation are terms that are generally used to explain charge on assets secured for any loan. In both the cases, the ownership lies with the lender which is the prime similarity between the two. However, these two mainly differ on the nature of asset secured, loan tenor, possession of the asset and loan amount.

Difference between Mortgage Vs. Hypothecation

Type of Security

Hypothecation is a charge created over a movable asset. The asset under hypothecation is usually a movable asset like a vehicle, stocks, accounts receivables, small machines etc. A mortgage is a charge created over immovable property which may include land, buildings, factory premise, godown /warehouse, anything that is attached to the earth or something permanently fastened to anything that is attached to the earth. One needs to note that crops though attached to earth cannot be included as “mortgaged” as they can be easily detached and sold.

Possession of the Asset

In the case of hypothecation, the possession of the asset remains with the borrower. In the case of a mortgage, the ownership is usually with the borrower but may not always be the case. It depends on the kind of mortgage created at the time of loan approval.

The amount of Loan

The amount of loan given against mortgage is usually higher than the amount of loan given just for hypothecation. For hypothecation against inventory, debtors, the vehicle generally, the amount is usually smaller; while the value of houses, land and building etc. are usually of higher value, therefore attracting higher loan amount. Certain loans like “Working Capital” loans are a combination of financing against hypothecation of immovable assets like debtors and stock and mortgage of property. 

Loan Tenor

Mortgage loans usually are of longer tenor (unless specific project/machinery which has a short definite life) as compared to loans against hypothecation. For example Tenor of vehicle loan is generally shorter than the tenor of home mortgage loans. Also, loans given against stock, debtors are of the shorter period (renewable after a year or half year) compared to a mortgage loan (usually of 10-20 years).

Similarities between Mortgage Vs. Hypothecation

Ownership of the Asset

In both the cases, the ownership of the asset remains with the borrower with the first right being that of the lender till the time the loan is repaid. In a case of default, the lender may sell off the asset to recover the loan.

Recovery of Loan

In either case (mortgage or hypothecation), the lender has a charge over the assets. Hence, a lender can recover the loss by selling the asset, in the case of default.

References:

http://www.allbankingsolutions.com/Banking-Tutor/Pledge-vs-Hypothecation-vs-Mortgage.htm

http://www.differencebetween.com/difference-between-mortgage-and-vs-hypothecation/

https://www.bayt.com/en/specialties/q/62223/what-is-the-difference-between-mortgage-and-hypothecation/

Last updated on : July 12th, 2017

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