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ID:36268809
大小:1.80 MB
页数:23页
时间:2019-05-07
《unit three borrowing money 课件》由会员上传分享,免费在线阅读,更多相关内容在教育资源-天天文库。
1、Haveyoueverborrowedmoneyfromyourfriends?Doyoualwaysreturnthemoneyyouhaveborrowedontime?Haveyourparentsboughthomeforyour?Didtheyborrowmoney?Unit3BorrowingmoneyNewwordscreditdepositlendinginstitutionportfolioassetsecurity信贷,赊购定金,首付款信贷机构投资组合资产抵押,担保loanfinance信贷资金,可贷资金NewwordsCBRC(ChinaBankingRegulato
2、ryCommissionATMEPTPOSphonebankingservicealoancreditrating中国银监会自动柜员机电子资金售点转帐系统电话银行业务偿还贷款,还贷能力信用等级,信用评估Formanypeoplethepurchaseofsomeitemscanonlybeachievedthroughborrowingmoney.BorrowingmoneyReasonsforborrowingGettingaloanSubjectReasonsforborrowingInwhatconditions,willyouborrow?ImportantpointsIfyouw
3、antanitemnowratherthaninthefuture.2.Changingcircumstances.3.Savingadepositandthenpayingoffanitemmaybeagoodideaforthosewhocan’tsavevoluntarily.Advantagesofborrowing1.Needonlyasmallornodeposit.2.Canrepaytheloanoveralongertimeperiod.3.Abletopossesstheitemnow.Disadvantagesofborrowing3.Needtopayinteres
4、t.Haveafinancialcommitmentoveralengthoftime.2.Interestratesmayincrease.GettingaloanWhatdoesthelendinginstitutionscareabout?Asecurejob.Thelengthofcurrentemploymentposition.Previoussavinghistory.Theownershipofassetswhichareofferedassecurityagainsttheloan.Whatoptionswillapersonhaveifhewantstoapplyfor
5、aloan?Theycanapplyinpersontothelendinginstitutions.Theycanuseabrokertoarrangetheloan.Theycanmakeanonlineapplicationfortheloan.AnswerCommonloansprovidedbylendinginstitutionsLoansusedforCarNewcarsandusedcarsHouseHouse,unitandlandPersonalTravel,furniture,holidaysandhomeimprovementsInvestmentSharesand
6、propertyTypesofloansLendinginstitutionsThetraditionalsuppliersofmoneyforborrowingwerebanks.Canyoulisttheservicesprovidedbybanks?ThechiefservicesprovidedbybanksAcceptingdepositsfromcustomersOperatingsavingsanddebitcardsOfferingchequeaccounts,creditsOfferingloansCananyonegetaloanfromthebank?Abilityt
7、orepayIndecidingaborrower’sabilitytorepayaloan,lenderslookatthese:TotalamountbeingborrowedInterestratebeingchargedBorrower’sincomeRegularloanrepaymentamountAmountofthedepositbeingprovidedRegularrepaymenttimeperio
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