Unit Three Borrowing money 课件.ppt

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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(Chin

2、aBankingRegulatoryCommissionATMEPTPOSphonebankingservicealoancreditrating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,wil

3、lyouborrow?ImportantpointsIfyouwantanitemnowratherthaninthefuture.2.Changingcircumstances.3.Savingadepositandthenpayingoffanitemmaybeagoodideaforthosewhocan’tsavevoluntarily.Advantagesofborrowing1.Needonlyasmallornodeposit.2.Canrepaytheloanoveralongertimeperiod.3.Abletopossesstheit

4、emnow.Disadvantagesofborrowing3.Needtopayinterest.Haveafinancialcommitmentoveralengthoftime.2.Interestratesmayincrease.GettingaloanWhatdoesthelendinginstitutionscareabout?Asecurejob.Thelengthofcurrentemploymentposition.Previoussavinghistory.Theownershipofassetswhichareofferedassecu

5、rityagainsttheloan.Whatoptionswillapersonhaveifhewantstoapplyforaloan?Theycanapplyinpersontothelendinginstitutions.Theycanuseabrokertoarrangetheloan.Theycanmakeanonlineapplicationfortheloan.AnswerCommonloansprovidedbylendinginstitutionsLoansusedforCarNewcarsandusedcarsHouseHouse,un

6、itandlandPersonalTravel,furniture,holidaysandhomeimprovementsInvestmentSharesandpropertyTypesofloansLendinginstitutionsThetraditionalsuppliersofmoneyforborrowingwerebanks.Canyoulisttheservicesprovidedbybanks?ThechiefservicesprovidedbybanksAcceptingdepositsfromcustomersOperatingsavi

7、ngsanddebitcardsOfferingchequeaccounts,creditsOfferingloansCananyonegetaloanfromthebank?AbilitytorepayIndecidingaborrower’sabilitytorepayaloan,lenderslookatthese:TotalamountbeingborrowedInterestratebeingchargedBorrower’sincomeRegularloanrepaymentamountAmountofthedepositbeingprovide

8、dRegularrepaymenttimeperio