Who are the collectors?

Collectors and collection agencies have appeared in the Russian reality not so long ago. This phenomenon, like many in the financial world, in Russia come from the West. Let's start with the etymology of the word - the collection (from the Latin. Collectio - fee). The collector is the same collector, that is garbage. Today, this phenomenon is taking more and more character, as the number of consumer and other loans is growing, accordingly increasing the percentage of defaulters on these loans. Despite the seeming paradox why give more loans on them if not able to recover all payments. The answer is simple. Profits are so great that it covers all costs. All of this business. All of this profit. Sometimes profit at any cost, no matter how crushed, push, intimidate the borrower - the main t

operative leasing

According to the traditional division, noted in any economic dictionary, leasing is a financial and operational (operational). The second case is usually referred type of service for which the term of the leasing contract is substantially less useful life of the leasing object, so at the end of the term of the lease contract the object is returned to the lessor and may be re-transferred to the job.

The estimated cost of the services of operative leasing is usually higher than the financial. "Simplification, operational leasing - a long-term lease, financial leasing - a way to buy the object of lease, also a kind of long-term lease, but with a mandatory transfer of ownership to the lessee, it is similar to hire purchase, - says Alexander Mikhailov, Vice President Business Development Europlan. - Rent is always more expensive than buying, even if you find the present value. Rent is convenient for those who prefer to just enjoy. A lease - for those who want to buy, receive, after use in the property tax exemptions. "

What types of leasing operations

Starting a conversation about the possible existing types of systematization, applied to the diversity of leasing interactions, it is important to identify the reasons for the separation, to comply with the logic of reasoning. The first classification, which is to talk, and which is most often found in articles, discussions and the relevant kind of literature is based on the difference in the timing of the use of the leasing object and the economic substance of the agreement. According to this criterion distinguishes leasing financial and operational (or operational).

How to get a loan to start a business?

Most people dream to open his own business. But many stop such things as lack of confidence, lack of knowledge required for business or business ideas. But one of the most common causes of failure of the implementation of the business project is the lack or absence of the necessary funding. This problem has two solutions - to borrow money from a friend or contact the bank for a loan to start a business. It is clear that the rich relatives or friends who are able to borrow the amount needed to start your business, is not at all. And there is still one option - to get a loan to start a business at the bank.

Lending a new business is seen by banks as a very risky deal, because there is no evidence that the prospective employer does not go broke - do not know how it will work. So the first step to success in obtaining a loan to start a business is a well-written business plan. Giving out loans, the banks want to minimize the risk of non-repayment, and a business plan is the only document that is able to confirm the success of the business project. On the basis of a business plan, banks assess the level of risk the future profitability of the business, the ability to repay the loan.