Description and Coding Systemâ (âHarmonized Systemâ or simply the âHSâ).2 It went. into effect internationally on January 1, 1988, with the entry into force of the. International Convention on the Harmonized Commodity Description and Coding. System (âHarmonized System Conventionâ) to which the Harmonized System is.
A secured debt or secured claim is one where the lender has some sort of collateral. A car loan or home mortgage would be the most common examples, but other debts may be secured as well, especially in business settings.
Auto Loan. Borrow for the car you want, within your budget. A TD Auto Loan is secured by your vehicle, that will provide. you with a lower interest rate than if it was unsecured. Funds upfront. Get access to the specific amount you need to purchase the car you want within your budget, whether itâs new or used. Interest rate options.