Glosario
A
Amortización
Es el proceso de devolución gradual del préstamo mediante cuotas periódicas, que incluyen parte del importe principal y los intereses.
B
Banking domicile
It is the bank account designated by the borrower to receive the installments and make the payments related to the loan.
Billing notice
It is a notification sent to the debtor to inform him about the maturity of a portion of the loan and request payment.
Borrower
It is the individual or legal entity that requests and receives a loan from the lender, assuming the responsibility of paying the amount borrowed according to the agreed conditions.
Bureaucracy
It refers to the set of procedures and administrative procedures necessary for the granting and registration of a loan.
C
Riesgo de crédito
Se refiere a la probabilidad de impago de las obligaciones financieras por parte del prestatario, teniendo en cuenta su historial crediticio y su capacidad de pago.
D
Salario
Es el importe total del préstamo, es decir, la cantidad de dinero que se presta realmente al prestatario, excluidos los intereses y los gastos.
Salario
Es la fecha en la que una parte del préstamo debe ser pagada por el prestatario. No pagar antes de la fecha de vencimiento puede dar lugar a multas e intereses adicionales.
E
Enforceability
It refers to the condition in which a loan becomes chargeable, that is, when the installments must be paid according to the established term.
F
Financial burden
G
H
I
Interest
They are the additional amounts charged on the loan amount, representing the cost of the borrowed money, usually expressed as a percentage of the total amount.
Interest rate
It is the percentage applied on the loan amount that the borrower must pay to the lender as a form of remuneration for the loan.
Insurance
Credit insurance is protection for a lender in case a borrower defaults on a loan.
J
K
Saber hacer
Es el conocimiento especializado o la experiencia en un área o sector concreto, que puede considerarse un activo valioso para la concesión de un préstamo.
L
It is the action of making money or financial resources available to a person or company, through a contract, which must be paid with interest and within a certain period.
M
Mutua
Es un contrato por el que una persona presta dinero a otra, que debe devolver la cantidad prestada con intereses en un plazo determinado.
N
O
Atrasado
Se refiere a las cuotas del préstamo que vencen y no han sido pagadas por el deudor en el plazo establecido, caracterizando el impago.
P
Payment Guide
It is a document that contains the information necessary to make the payment of a portion of the loan, such as amount, due date and bank details.
Personal loan
It is a type of loan intended for individuals, which can be used for various purposes, such as payment of debts, purchase of goods or services, among others.
Portion
A loan portion can refer to a specific part of the total loan amount.
Pawn
It is a judicial act that allows the blocking or seizure of the debtor’s assets as a form of collateral for the payment of a debt, including loans in arrears.
Pre-approval
It is a preliminary assessment conducted by the lender to verify the eligibility of the borrower based on basic information, prior to the final approval of the loan.
Q
R
Report
Evaluation report – A loan report is a document that summarizes the details and activity of a loan, such as the balance, interest rate, and payment history.
S
T
Term
It is the period of time established for the total repayment of the loan, including the payment of the installments. The term may vary according to the type of loan and the agreed conditions.
U
Usura
Se refiere a la práctica de cobrar intereses excesivos o abusivos por un préstamo, superando los límites legales establecidos. La usura está prohibida por ley en muchos países.
V
W
Working capital
It is a type of loan intended for companies to finance their daily operations, such as payment of suppliers and salaries.