Glossario
A
Ammortamento
Si tratta di un processo di rimborso graduale del prestito attraverso rate regolari, che comprendono parte del capitale e degli interessi.
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
Rischio di credito
Si riferisce alla probabilità di inadempienza o di mancato pagamento degli obblighi finanziari da parte del mutuatario, tenendo conto della sua storia creditizia e della sua capacità di pagamento.
D
Stipendio
È l’importo totale del prestito, cioè la somma di denaro effettivamente prestata al mutuatario, esclusi gli interessi e le spese.
Stipendio
È la data in cui una parte del prestito deve essere pagata dal mutuatario. Il mancato pagamento entro la data di scadenza può comportare ulteriori sanzioni e interessi.
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
Conoscenza
È la conoscenza specializzata o l’esperienza in una particolare area o settore che può essere considerata un bene prezioso per la concessione di un prestito.
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
Si tratta di un contratto in cui una persona presta denaro a un’altra, che deve restituire l’importo preso in prestito con gli interessi entro un determinato termine.
N
O
In ritardo
Si riferisce alle rate del prestito che sono scadute e non sono state pagate dal debitore entro il periodo stabilito, caratterizzando l’inadempienza.
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
Si riferisce alla pratica di applicare interessi eccessivi o abusivi su un prestito, superando i limiti legali stabiliti. L’usura è vietata dalla legge in molti paesi.
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.