{"id":20879,"date":"2020-02-02T14:14:25","date_gmt":"2020-02-02T11:14:25","guid":{"rendered":"https:\/\/www.ibtdi.com\/?p=20879"},"modified":"2020-02-02T04:39:16","modified_gmt":"2020-02-02T01:39:16","slug":"%d9%85%d9%81%d9%87%d9%88%d9%85-%d8%a7%d9%84%d9%82%d8%b1%d9%88%d8%b6-%d9%88%d8%a3%d9%86%d9%88%d8%a7%d8%b9%d9%87%d8%a7","status":"publish","type":"post","link":"https:\/\/www.ibtdi.com\/en\/%d9%85%d9%81%d9%87%d9%88%d9%85-%d8%a7%d9%84%d9%82%d8%b1%d9%88%d8%b6-%d9%88%d8%a3%d9%86%d9%88%d8%a7%d8%b9%d9%87%d8%a7\/","title":{"rendered":"The Concept of Loans and Their Types"},"content":{"rendered":"

\"\u0646\u062a\u064a\u062c\u0629<\/p>\n

 <\/p>\n

Many \u0631\u0648\u0627\u062f \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/a> misconceptions about bank loans, which are particularly important to understand if they choose to use them to finance <\/span><\/p>\n

their projects.<\/span><\/p>\n

The entrepreneur walks into the bank with high hopes, determined to pursue their ambitions and turn their dreams into reality. Their goal is <\/span><\/p>\n

to secure a loan and launch their new business.<\/span><\/p>\n

But first, young entrepreneurs should understand the importance and risks of loans, as well as what they are and the main types that suit the nature of <\/span><\/p>\n

their business.<\/span><\/p>\n

.<\/p>\n

\u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u0642\u0631\u0648\u0636<\/strong><\/span><\/h2>\n

A loan is an obligation that one person\u2014in this case, you\u2014owes to a lender who provides them with funds to help achieve a <\/span><\/p>\n

Its objectives, noting that this term is used to include ethical obligations and interactions that are not based on economic value.<\/span><\/p>\n

A loan is made when a lender agrees to provide money, with repayment of the principal agreed upon and, in some cases, interest added.<\/span><\/p>\n

In finance, loans are an ideal way to draw on future purchasing power, serving as a funding strategy for launching small businesses, <\/span><\/p>\n

or supporting companies seeking to survive and remain competitive in the market.<\/span><\/p>\n

.<\/p>\n

Types of Loans<\/strong><\/span><\/h2>\n

Now that we\u2019ve covered the true meaning of a loan, it\u2019s important to know that loans come in several different types, including:<\/span><\/p>\n

.<\/p>\n

\u2022 \u0627\u0644\u0642\u0631\u0636 \u0627\u0644\u0634\u062e\u0635\u064a<\/strong><\/span><\/h3>\n

A personal loan is a form of financing individuals use for personal needs. It is similar to debt and is repaid in installments, depending on the provider. <\/span><\/p>\n

\u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0644\u0644\u0642\u0631\u0636.<\/span><\/p>\n

This type of loan usually requires collateral, such as the borrower having a monthly salary or a guarantor who will pay on your behalf if you default. Another option could <\/span><\/p>\n

be a specific property that can be sold if you default on your payments.<\/span><\/p>\n

.<\/p>\n

\n

\u2022 Mortgage loan<\/strong><\/span><\/h3>\n

Some banks offer mortgage loans to help people buy properties they cannot afford to pay for in full upfront.<\/span><\/p>\n

In this case, the loan covers the property\u2019s price, while the buyer makes payments to the bank to repay the loan. The borrower takes ownership of the property, but if <\/span><\/p>\n

the buyer fails to make a loan payment, the property may be put at risk and could be sold.<\/span><\/p>\n

.<\/p>\n

\u2022 \u0642\u0631\u0636 \u0627\u0644\u0633\u064a\u0627\u0631\u0629<\/strong><\/span><\/h3>\n

This type of loan helps you buy a car. Repayment terms are agreed between the two parties, usually in monthly installments. In the event that <\/span><\/p>\n

Failure to make payments puts your ownership of the car at risk, as the lender may sell or repossess it.<\/span><\/p>\n

This type of loan is offered by either a bank or a car dealership, and usually comes with a higher interest rate.<\/span><\/p>\n

.<\/p>\n

\u2022 Business loan<\/strong><\/span><\/h3>\n

This is the most popular type of loan. It is offered to entrepreneurs and owners of small and medium-sized businesses.<\/span><\/p>\n

The loan may be taken out before a business launches, during its early stages, or to improve the business overall.<\/span><\/p>\n

In some cases, the business itself can serve as adequate collateral for the lender.<\/span><\/p>\n

.<\/p>\n

\u2022 Debt consolidation loan<\/strong><\/span><\/h3>\n

This type of loan is designed to make debt repayment easier. It can be used to pay off credit card debt, with the loan repaid in smaller installments than the payments... <\/span><\/p>\n

It consolidates debts into a single payment, with a lower interest rate and more manageable monthly installments.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

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