Paskolos ir kredito teisinis reguliavimas

ENCredit (lat credere "believe" and creditum entrusted) - this is a monetary obligation, which can then be fulfilled by paying the appropriate rate of interest. The basic principles: 1. repayability; 2. fixed-term; 3. a solvency; 4. the company's creditworthiness; 5. loan insurance; 6. targeted destination. Significant growth in borrowing Lithuanian businesses and households still lack of savings, and as a result, imports from others EU countries in particular. Most of the banks having major companies receive low-cost resources out there and lend to them in Lithuania. In form of bank loans to businesses and households, they flow into a country's economy. Each bank, forming its credit policies must evaluate three different objectives: profitability, liquidity and safety that can not be adequately pursued at the same time. In order to achieve high profitability, the bank must increase the volume of long-term loans, as these are values of greater interest. The customer has to pay interest once a month because the interest payment is much more convenient for part of the funds fan the monthly salary. If client had to pay all the interest at the end of the year, it forms a very large amount of interest, and it is likely that the client would be much more difficult to build than amount of money than the monthly payment. As a result, many customers would be delayed to repay credits, also, it would be difficult to see the client's financial problems, if any, arise. The sooner the bank sees client's financial difficulties, the bank can quicker help him find the best solution for these problems to solve.