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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. The court stood on your side, he must be a good reason. If the property was bequeathed to minors, the decision will be for them to take the parents or official guardians. it can change throughout the term of payment more than once. Because of problems with re-registration of mortgage, you will need to obtain the consent of the Bank, your Bank is unlikely to agree to repay such a large loan on your own risk, not having the right collateral. In any case, until he attains the age of majority. However, should not be confused incomplete payment of borrowed funds with a single payment, which is still practiced by some banks. By the way, to abandon a legacy in someone's favor can be in the case where the heir has accepted the inheritance. However, all the above factors are not so easy, so many mortgage borrowers also fall into the group of those who struck creditomania. And one of the main reasons for such purchases, according to leading psychologists, is the uncertainty that tomorrow these goods are still on sale. Usually the initiators of termination by banks. Less under the dependence of the cars are women the same age as the above men whose main "sick" is the new clothes and shopping, such as coats, raincoats, fur coats or jewelry. However, it is not strange looks, but this specific category of people in our country are very inclined to commit rash and spontaneous actions, which ultimately lead to the financial collapse or destitute. For example, if representatives of the credit institution's opinion, the loan was obtained by fraud, and they can prove it in court, the borrower may be required to pay the full amount of the debt immediately.
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 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. Moreover, the loyalty of financial institutions in creating these tandem can reach such proportions that they are ready to offer our potential borrowers loans at favorable interest rate, which will be issued against collateral in the form of real estate under construction. However, if you are not satisfied with the terms of the loan, you don't have to go to court and terminate the contract, in order to improve them.
- 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.