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.

Loan against of collected revenues.

Today, there are a considerable number of different programs through which you can get a loan for anything, according to your requirements and preferences. On the market, there were also relatively new concepts, for example - "Credit under of collected revenues." Let's look at this concept and what they mean better.

Loan against of collected revenues.
This type of loan is available to purchase the goods, with the aim of further sales through its wholesale or retail. The term of collected revenues is understood the amount of money the borrower shall own collection service of the Bank, here comes yet arrival acquiring.

Mortgage loans

Today more and more are gaining popularity and demand loans secured by real estate. This type of credit used by people who need the loan amount is much more than is offered in the programs of unsecured consumer loans. At the same time a significant demand for Lombard loans secured by real estate issued by banks. The advantages of this type of loan is that it does not require receipt of a number of standard requirements that banks push the borrower, namely the official income, positive credit history, the presence of a guarantor, etc. The only condition for Lombard loans secured by real estate is the presence of collateral. The loan is secured in this case is improper, ie, the borrower can use the cash for any reason.

Investment credit

Investment credit - is a special type of loan that is not identical to the long-term lending, although in most cases it still requires a longer period for the use of funds, as opposed to those programs that are issued for short-term working capital. It is worth noting that for this type of lending is characterized by a project that will be funded, whether existing or new, and its implementation will be sent to borrowers attracted credit resources. But at the same bank, which will act as an investor will take over most of the risks associated with the way the project will be implemented.

Features consumer lending abroad

Features consumer lending abroad

In the aftermath of World War II, banks are major creditors of the consumer credit market. The dominant position of banks is partly due to the fact that they are increasingly interested in attracting funds of individuals and families who are the main source of bank funds. However, many families often have to decide whether to give their money to the bank, which they believe will not be able to guarantee them a loan if necessary.
Recent studies have shown that consumer credit is often among the most profitable loans, which the bank can issue [19, p. 334].