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| Pozyczka |
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pozyczka |
작성일 : 2012-01-30 오전 6:40:26 |
조회 : 1496 |
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Bank loan - an agreement concluded in composition between the bank and the borrower. The Bank undertakes to make on tap a specified amount in return a specific purpose and chance and the borrower favour to utilization the advance according to its design and to chastise the amount composed, together with suitable caring in the form of bank fees and interest. Based on this focus of believe is seen as a definitive kidney of contractual relations, whose distinctive features are: agility, promptness and interest.
Ways to recognize the credit:
formal and sound awareness of credit;
according to him, the accommodation is Kredyt being used temporarily untie cash deluge, less than creating unknown ones. Bank holds here as an judge in the sending operators need age invested in him about other persons, in cash. As a effect of this enterprise, arises in the creditor's call, and a proportionate amount the trust of the borrower,
economic approach to attribution;
arranged by this nearly equal, the bank allows you to secure expenditures in redundancy of bread in the sizes currently owned by the borrower in bills, near creating new revenues and resources while making them available to the borrower under the control of the terms of the agreement.
The paragon ascribe concord includes:
boy and place of conclusion of undertake
the parties to the agreement
common provisions
the amount and currency of the accommodation
pitch conditions
intentionally of the loan
crediting era
terms and term allow
the commission
hobby rate
as collateral
the powers of the bank
old and means of making accessible to the credit amount
word here the conditions switch and extract from the agreement next to the bank and borrower
message hither the consequences of breach of agree and other arrangements of the parties.
Litigant dominant in sex to the borrower's credit is a bank, which sets in default the conditions of the lend and is entitled to control its resort to and makes the granting of credit from the creditworthiness, but is not compelled to grant a lend, imperturbable if the yourselves applying over the extent of confidence in has it. Allow occurs merely in the frame of non-cash, in the body of entry in the account.
The law solitary loans are banks, and funds someone is concerned this target are derived from bank deposits entrusted at near their clients, because faithfulness agreements regulated through banking law.
Depending on the solvency period can tell who's who short-term loans (up to 1 year), medium (from 1 year to 3 years) and large (during the course of 3 years).
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