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money borrowed with an obligation to repay. The borrower, the one who owes money, is commonly referred to as the "debtor," and the lender is referred to as the "creditor." A mortgage and a car loan are two commonplace forms of personal debt. Governments and companies borrow money routinely, and when they turn to the investing public to borrow, they issue debt instruments, or debt securities, in return. These may take the form of notes, debentures, commercial paper and various kinds of bonds, and they may or may not be secured or collateralized with an asset. These securities all imply an intent to repay the amount borrowed, (face value) to the investors who buy them, on or before a certain date, the maturity date. In return the investors will generally be paid interest at a specified rate. Companies borrow money for conducting business and growth.