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Banks make their profits by lending the money which customers deposit with them to others who need it for personal or business reasons. Most people need more money than they have currently available at some time in their lives.
To be a borrower you must be a customer of the bank because the money will be lent to you through a bank account. There are two ways in which you may borrow. The first, and easy, is to spend more money than you have in your current account – to overdraw. The second, and the normal way of borrowing larger amounts or for a long period of time is the loan.
If a manager permits an overdraft on current account he is likely to set a limit to the size of the overdraft and may stipulate a date by which the account is back in credit. Businesses whose payments and receipts are often irregular will frequently need to use overdraft facilities and they are often granted to private customers as well particularly when the manager knows that regular payments are made directly into the account.
If a loan is granted it will be a fixed sum immediately available for a fixed period of time. The principal and the interest on it may all become due for payment at the end of that period but for personal loans it is common to arrange that the loan and interest are repaid in equal regular instalments over the period of the loan. A separate account is opened to record the repayments as they are made.
Sometimes people do not ask for enough money because they are anxious about the burden of the repayments. The manager will be wise enough to try and ensure that you will have sufficient amount of money to do what you want to do. Finally we will consider whether or not you really will be able to repay and what kind of security you can offer against the possibility that you do not repay. In the case of a business the manager may well want to see well prepared, relevant documents such as profit and loss accounts and balance sheets for the most recent years. He would also ask about the expected return from the use of the money and want to see some figures upon which you have based your calculations. For a business good security might be one or more of the assets of the business while personal loans are often secured by such things as life insurance policies on which the bank is making regular payment for you
Banks make their profits by lending the money which customers deposit with them to others who need it for personal or business reasons. Most people need more money than they have currently available at some time in their lives.
To be a borrower you must be a customer of the bank because the money will be lent to you through a bank account. There are two ways in which you may borrow. The first, and easy, is to spend more money than you have in your current account – to overdraw. The second, and the normal way of borrowing larger amounts or for a long period of time is the loan.
If a manager permits an overdraft on current account he is likely to set a limit to the size of the overdraft and may stipulate a date by which the account is back in credit. Businesses whose payments and receipts are often irregular will frequently need to use overdraft facilities and they are often granted to private customers as well particularly when the manager knows that regular payments are made directly into the account.
If a loan is granted it will be a fixed sum immediately available for a fixed period of time. The principal and the interest on it may all become due for payment at the end of that period but for personal loans it is common to arrange that the loan and interest are repaid in equal regular instalments over the period of the loan. A separate account is opened to record the repayments as they are made.
Sometimes people do not ask for enough money because they are anxious about the burden of the repayments. The manager will be wise enough to try and ensure that you will have sufficient amount of money to do what you want to do. Finally we will consider whether or not you really will be able to repay and what kind of security you can offer against the possibility that you do not repay. In the case of a business the manager may well want to see well prepared, relevant documents such as profit and loss accounts and balance sheets for the most recent years. He would also ask about the expected return from the use of the money and want to see some figures upon which you have based your calculations. For a business good security might be one or more of the assets of the business while personal loans are often secured by such things as life insurance policies on which the bank is making regular payment for you
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Чтобы быть заемщик, вы должны быть клиентом банка, потому что деньги будут одолжил вам через банковский счет. Есть два способа, в котором вы можете заимствовать.Во-первых, и просто, чтобы потратить больше денег, чем есть у Вашего расчетного счета - преувеличивать.Во-вторых, обычный способ заимствования в больших количествах или в течение длительного периода времени кредит.
Если менеджер позволяет овердрафт по текущему счету, он, скорее всего, установить ограничение на размер овердрафта и может быть предусмотрен срок, к которому счет вернулся в кредит. Предприятия, чьи платежи и поступления часто бывают нерегулярными будет часто нужно использовать овердрафт, и они часто предоставляются частным клиентам, а особенно, когда менеджер знает, что регулярные платежи производятся непосредственно на счет.
Если кредит выдается это будет фиксированная сумма, немедленно доступны в течение определенного периода времени.Основной и проценты по нему могут все стать подлежащим уплате в конце этого периода, но и для личных займов он является общим устроить так, чтобы кредит и проценты погашаются равными регулярных взносов в течение срока кредита.Отдельный счет будет открыт для записи погашение, как они сделаны.
Иногда люди не просят достаточно денег, потому что они беспокоятся о бремени выплаты.Менеджер будет достаточно мудры, чтобы попробовать и убедиться, что у вас будет достаточное количество денег, чтобы делать то, что вы хотите сделать. Наконец, мы будем рассматривать, действительно ли или не вы будете в состоянии погасить, и какие безопасности вы можете предложить на возможность того, что вы не погасить. В случае бизнес-менеджер может также хотят видеть хорошо подготовленные, соответствующие документы, такие как счета прибылей и убытков и балансов для самых последних лет. Он также хотел бы попросить об ожидаемом возвращении из использования денег и хотят видеть некоторые цифры, на которой вы, основанные ваши расчеты. Для бизнеса хорошая безопасность может быть один или несколько из активов предприятия, а персональные кредиты часто обеспечены такими вещами, как полисы страхования жизни, по которым банк делает регулярные выплаты для вас