Does Any One Have A Poptropica Account

Contratto di Mutuo

The Civil Code (art. 1813) defines a mutual agreement "by which one party transfers to another a certain amount of money or other fungible things, and the other is obligated to Return used many things of the same kind and quality ". In fact, neither this article nor the following outline precisely this tiopologia funding.
It is a protracted loan money to maturity with which the beneficiary is obliged to return to regular shares of the capital borrowed by the addition of interest.

industrial companies make use of the loan to cope with continued investment in utility, as a machine or a building. Generally, the release of the money does not follow but before the investment bank grants the loan once in possession of documents confirming the purchase of the property. Since the duration of funding is particularly extensive, the institution that grants it almost always requires appropriate safeguards, che possono essere:
* ipoteche su immobili;

* fideiussioni o avalli;

* delegazioni tributarie;

* privilegi speciali,

* oltre naturalmente al diritto di rivalsa sul bene acquistato (nel caso degli impianti) in caso di insolvenza. Quasi sempre il valore delle garanzie supera l'ammontare del mutuo agevolato.

Nella pratica si danno diverse alternative per la restituzione del finanziamento. Il piano di ammortamento può prevedere:
a) la facoltà di rimborso in ogni momento o in momenti prestabiliti;

b) la restituzione accelerata nei primi anni, oppure - al contrario - una dilazione iniziale e l'inizio del rimborso dopo un certo numero years;
c) the rate of reimbursement constant or decreasing, the latter not followed in practice. Each installment consists of one share and a capital interest. In the case of constant rate, the share capital is increasing, while interest remains high to low.
In the case of decreasing rate, the principal amount of each installment is constant and the interest amount is decreasing (because they are calculated on the outstanding principal to be repaid in each period).
The cost of the loan is the interest rate implicit in the cry of depreciation plus a commission to be paid to the credit institution in the event of early termination. Beyond that are paid by the company that enters into the loan the cost of a spese di assicurazione che la banca abbia sostenuto in relazione ai beni offerti in garanzia.

Sotto forma di mutui vengono erogati molteplici finanziamenti agevolati derivanti da inziative di legge tese a favorire determinati investimenti, comparti economici o zone geografiche.