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Briefly About Loans & Mortgages
Commodity loan form involves the transfer of a temporary use specific things, certain generic characteristics. This form historically existed before the advent of monetary relations. It is not surprising that modern abundance of goods and services directly presses on the brain of those who lived in the Soviet Union, forcing them to commit and make a purchase. In other words, people with low incomes, why not try to live logically, and only based on their own emotions. For example, a borrower wants to take a Bank of 100 thousand rubles. The Bank approves his application, but includes in the credit agreement a lump sum payment for the issuance of money. If several heirs, the debt they will pay together, in proportion to the inherited property. If the Bank delays the borrowed funds or provides incomplete, then the borrower may require the Bank to comply with the terms of the contract, or to apply to the court to terminate the contract. It should be noted that loans to purchase real estate are considered to be rational, however, some borrowers even when getting these loans manage to overreact. Additionally, if the dawn of the Russian lending financial institution demanded payment of the potential borrower even when obtaining commercial loans initial contributions, to date, this nuance will be relevant only when taking out a mortgage and car loan, and even then not in all cases. The court stood on your side, he must be a good reason. The Bank, in which you arrange a loan initially, you will not be able to prevent it, so as to extinguish the credit ahead of schedule is not prohibited. Meaning of refinancing is that the new loan the borrower receives on more favorable terms than was the old. After 14 to 18 years and the decision on acceptance of the inheritance and, accordingly, obligations for the payment of the loan, the heir will be considered together with the guardians. In any case, until he attains the age of majority.
Cash loan form involves the transfer for temporary use of a specified amount of money. This form of credit is actively used by all subjects of economic relations (government, enterprises, individuals) within the country and foreign economic turnover. Cash loan no equivalent commodity-money exchange, and is the transmission cost for temporary use on condition of repayment over time and, as a rule, the payment of interest for the use of her.
Cash is the predominant form in modern conditions of economy. If the potential borrower has decided to purchase a vacation property in this way, a potential borrower is to start looking not financial institutions, and reputable construction company that is willing to provide such services. By the way, to abandon a legacy in someone's favor can be in the case where the heir has accepted the inheritance. And one of the main reasons for such purchases, according to leading psychologists, is the uncertainty that tomorrow these goods are still on sale.
- Commodity loan
- Cash loan
- Mixed form of a loan
Credit plays an important role in the regulation of the magnitude of the funds required for the Commission of economic activity. Thanks to the loan enterprises have at any time such amount of cash that is required for normal operation.