Modern people have long appreciated all the delights of credits that can be taken at any time, in virtually any amount, at any time and with minimal interest rates. To buy you anything depending on your desires. Money, of course, will have to pay then, including a small percentage. Without interest meaning of credit there, but because it is an integral part of any loan. But this is an everyday, all known realities, and we would like to tell you about the most incredible stories about lending, for example, in ancient Egypt, for example, was spread a special form of contract of loan. If the debtor does not return money on time, he risked becoming a slave to the lender, if was not to return the money any other way.
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| Interesting facts about loans and banks |
Interesting fact # 1: the First credits in the world was in Assyria, Babylon and Egypt. Scientists have found evidence to this effect, in the VIII century BC there were the first money lenders that have to lend money at interest. Also in circulation were the banknotes special (modern analogues of securities), which was called hudu.
Interesting fact No. 2: In Ancient Greece, creditors in the land of their debtors placed signs, called hypothéke (mortgage). It meant that when nonpayment of the loan the land will become the property of the creditor.
Interesting fact No. 3: the oldest Bank in the world under the name of Banca Monte dei Paschi di Siena is in Italy. This credit organization was introduced as far as 1472.
Interesting facts about loans and banks (4 photos)
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| Interesting facts about loans and banks |
Interesting fact No. 4: the First advertisement about loans appeared in 1730, where Christopher Thornton (who submitted the ad) was offered to consumers to buy furniture, and once a week to pay for it.
Interesting fact # 5: About loans and its types you can talk endlessly and, by the way, in today's world, it's easy to take a quick loans, SMS loans and other borrowings
Interesting fact # 6: Prototyping the credit Bureau is organizing 19th centuries who collected information and provided customers with information about individual merchants and enterprises. This information was the main proof of the reliability of potential business partners. In Russia such help firm appeared in the early 20th century. They were private and in professional associations.
Interesting fact # 7: the Laws of king Hammurabi, which was known for its justice and wisdom, allowed the ancient Babylonians to give up their children as collateral for their debts.
Interesting facts about loans and banks (4 photos)
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| Interesting facts about loans and banks |
Interesting fact # 8: In Ancient India, have gone further and legalized usury morally, by making him a special spiritual standards, which in ordinary life was guided all the people of this state. Moreover, the creditor was entitled to recover their money through trickery and force. However, if the debtor belonged to the higher caste than the lender, it is possible to use this rule.
Interesting fact # 9: In Ancient Rome, if the debtor was unable to repay the creditor money, he was imprisoned in debtor's prison, from which you can redeem in a month. After this period, the lender took him to the market on market days. Anyone could buy the debt and with it the debtor. The relationship between foreclosure and purchased further developed mainly by the very sad scenario.
Interesting facts about loans and banks (4 photos)
Interesting fact # 10: In those days no one lender didn't need the scoring program. By type of borrower you could have told about why he asks for money. The poor man needed them to survive, the farmer usually wanted to buy another ox, while the rich man, most likely, wanted to buy a piece of art or a new slave. The law protected creditors, and therefore they did not venture, when engaged in the business. In ancient times, rehypothecation and the sale of property were common.
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| Interesting facts about loans and banks |
Interesting fact # 11: In the middle ages the situation has changed, because the Church condemned the activities of creditors. This has not led, however, to the fact that usury has disappeared. Creditors simply had to thread the needle and come up with indirect loans, to avoid being accused of contempt for the earnings on interest. In the fourteenth century, the Italians invented the promissory note lending. It was carried out according to the following scenario. The borrower came to the lender, and receive your credit limit in any currency together with a promissory note, which was repaid in well-defined time frame. The amount on the bill was slightly higher than that which the borrower received on hands. The difference was the interest for which the Church condemned usurers.
Interesting fact # 12: a pledge you can leave the jewels, if the loan amount was small, or even an estate, if the borrowed amount was impressive. Was not fundamental difference, for what purpose were the money taken on credit, the value had only the total amount of the loan. Thoroughbred trotters were not taken as collateral, because a living creature for any reason you could die at any moment, and the lenders did not like to risk it.
Interesting fact # 13: Most popular among the nobles was the loan taken for urgent needs such as buying crew, jewels for fine ladies, and sometimes gambling. Fans of card games rarely could stop, that usually led to the fact that the estate of such a debtor has been re-pledged several times, despite the fact that the family is the grief-the borrower has continued to live in it. Under the law of most European countries, the home and property of the debtor could be sold, even if he had small children. And then the law was on the side of the lenders.
Interesting fact No. 14: a bill in Addition to cash and loans the wide circulation was received also another type of loan, which was used by both nobles and the working class. He was to borrow the item directly from the manufacturer. For years in debt products released bakers, butchers, grocers. This type of loan is extended not only to goods but also on certain kinds of services. Regular customers in installments catered to jewelers, tailors, shoemakers and washerwomen. However, in the case where, say, a simple peasant was injured and unable to work, to collect the debt from him was difficult. After all, nothing can be taken from the person who has nothing.
Interesting fact # 15: Very often it happened that the common people could not repay the loan, while the aristocrats, sometimes, just had no desire to repay it. For many the rich was quite a common practice not to pay single coin for what they sewed dressmakers another new outfit, or commissioned exquisite jewels from the jeweler. Hard to imagine, but the kings were often the worst debtors. Not returning debts, it often ruined creditors who are against them were powerless to do anything.
Interesting fact # 16: Consumer loans - today one of the most popular services funding in economically developed countries of the world. Only the population of Europe in one year takes about 166 billion euros in loan.
Interesting fact # 17: many global banks have an unwritten list of occupations of customers who junk. These would normally include:
-Journalists.
-Lawyers.
-Individual entrepreneurs.
-The military.
-The judge.
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