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| Effective age
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Estimation of a structure by its condition rather than actual age. |
| Effective area (of an air terminal device)
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The smallest net area of an air terminal device used by the air stream in passing through the air terminal device. |
| Effective capacity
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The maximum load that a device is capable of carrying. |
| Effective gross income
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Additional income considered by a lender in assessing a loan application of a potential borrower. |
| Effective interest rate
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Real rate of interest on a loan which is the coupon rate divided by the net proceeds of the loan. With a $1,000,000, one year, 10 % discounted loan, the effective interest rate equals 11.11%, or $100,000 (the discount) divided by $900,000 (the actual loan proceeds). |
| Effective opening
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Smallest diameter of piping at the point of discharge. |
| Effective rate/cost
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Total cost of a loan on a yearly basis expressed as a percentage. Includes up front costs paid to obtain the loan. |
| Effective tax rate
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Tax divided by taxable income equals the tax effective rate. Tax is $30,000, taxable income is $120,000, and effective tax rate is 25%. |
| Effective throat
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The distance from the root of a weld to the face of a weld, with the amount of weld reinforcement subtracted. |
| Effective weld length
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Welds are designed by size and configuration to withstand certain conditions. The length of the weld that has a configuration and a cross section that is equal to or greater than that which is required by a design, would meet all qualifications. |
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