unit three borrowing money 课件

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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