Kredyt na samochód - Associations

Stroną dominującą w stosunku kredytowym wobec kredytobiorcy jest bank, który określa warunki kredytu i jest uprawniony do kontroli jego wykorzystania oraz uzależnia przyznanie kredytu od zdolności kredytowej, przy czym nie jest zobowiązany do udzielenia kredytu, nawet jeżeli osoba ubiegająca się o kredyt ją posiada.

Kredyt preferencyjny - kredyt z dopłatami budżetu państwa wykorzystywany jako instrument sterowania rolnictwem. Stanowi pośrednią formę dofinansowania rolnictwa z budżetu państwa. Minusy: zniekształcają rachunek ekonomiczny i nie zabezpieczają przed wykorzystaniem środków.
Kredyt bankowy - operacja polegająca na postawieniu przez bank do dyspozycji kredytobiorcy na czas oznaczony określonej kwoty środków pieniężnych, z przeznaczeniem na określony cel. Kredytobiorca zobowiązuje się do korzystania z kredytu na warunkach określonych w umowie, zwrotu kwoty wykorzystywanego kredytu wraz z odsetkami w określonym terminie spłaty oraz zapłaty prowizji od udzielonego kredytu.
W zależności od okresu kredytowania wyróżniamy kredyty krótkoterminowe (do 1 roku), średnioterminowe (od 1 roku do 3 lat) i długoterminowe (powyżej 3 lat).

Top: Business: Financial Services: Banking Services: Credit Unions: Associations

See also:

Alabama Credit Union League - State trade association serving Alabama credit unions
Alaska Credit Union League - State trade association serving Alaska credit unions.
Arizona Credit Union League - State trade association serving Arizona credit unions.
Arkansas Credit Union League - State trade association serving Arkansas credit unions.
Association of British Credit Unions Limited - A trade association providing support, information and services to British Credit Unions - includes a list of credit unions, setting up advice and general credit union information.
California Credit Union League - Serving credit unions in California and Nevada.
Coalition for Member Trust - A group concerned about the operation of credit unions in the US, particularly credit union equity affected by conversions to mutual savings banks. Offers links, membership, news and an explanation of the issue.
Colorado Credit Union Center - Credit union information from the Colorado and Wyoming Credit Union Leagues.
Combined Council of Auto Credit Unions - Trade association for automotive industry credit unions, including Daimler Chrysler, Ford, GM, and International.
Connecticut Credit Union Association - State trade association serving Connecticut credit unions.
Credit Union Association of New Mexico - State trade association serving New Mexico credit unions.
Credit Union Association of Oregon - State trade association representing Oregon's state, community, and federally chartered credit unions.
Credit Union Central of Canada - The national trade association and central finance facility for credit unions in Canada.
Credit Union Central of New Brunswick - A gateway to credit unions in New Brunswick, Canada. Lists services, funds and locations of members.
Credit Union Central of Ontario - Provides operational and financial services to credit unions in the province. Includes a credit union locator and a media centre.
Credit Union Executives Society - CUES is an independent professional development association designed exclusively for credit union executives.
Credit Union League of Hong Kong - The representative association of the credit union movement in Hong Kong which provides advisory and financial services, including a stabilisation fund.
Credit Union National Association - A confederation of state leagues, it became the premier national trade association serving United States credit unions. Describes regulations and compliance, products and services.
Credit Unions of Nova Scotia - Credit union and ATM location details, information about products and services, membership benefits, loan and savings calculators and Member Direct demo.
Delaware Credit Union League - State trade association serving Delaware credit unions.
Education Credit Union Council - Trade association addressing the needs of credit unions who serve educational communities.
Florida Credit Union League - FCUL is a Florida-based statewide trade association offering services focused on meeting the current and future needs of Florida's credit unions.
Georgia Credit Union Affiliates - State trade association serving Georgia credit unions.
Idaho Credit Union League - State trade association serving Idaho credit unions.
Illinois Credit Union League - State trade association serving Illinois credit unions.
Irish League of Credit Unions - The league promotes its members and provides central services to Irish credit unions. Describes services, member locations and events.
Jamaica Co-operative Credit Union League Limited - National association serving credit unions in Jamaica.
Kansas Credit Union Association - State trade association serving Kansas credit unions.
Maine Credit Union League - State trade association serving Maine credit unions.
Maryland Credit Union League - State trade organization serving Maryland credit unions.
Massachusetts Credit Union League - State trade association serving Massachusetts credit unions.
Michigan Credit Union League - State trade organization serving Michigan credit unions.
Minnesota Credit Union Network - State trade organization serving Minnesota credit unions.
Mississippi Credit Union System - State trade association serving Mississippi credit unions.
Missouri Credit Union System - State trade association serving Missouri credit unions.
Montana Credit Union Network - State trade association serving Montana credit unions.
National Association of Federal Credit Unions - Trade association representing the interests of U.S. federal credit unions before the federal government and the public.
National Credit Union Federation of Korea - A trade association, financial intermediary, and business organization consisting of all Korean credit unions. Describes services, training and development.
National Credit Union Foundation - The charitable arm of the U.S. Credit Union movement, raising funds and making grants in support of our mission to improve consumer financial independence through credit unions.
Nebraska Credit Union League & Affiliates - State trade association serving Nebraska credit unions.
New Hampshire Credit Union League - State trade association serving New Hampshire credit unions.
New Jersey Credit Union League - State trade association serving New Jersey credit unions.
New York State Credit Union League - State trade association serving New York credit unions.
New Zealand Association of Credit Unions - The association promotes and develops it members thruogh training, advice and management, offering banking, insurance and information services.
North Carolina Credit Union Network - State trade association serving North Carolina credit unions.
North Dakota Credit Union League - State trade association serving North Dakota credit unions.
Ohio Credit Union League - State trade association serving Ohio credit unions.
Oklahoma Credit Union League - State trade association serving Oklahoma credit unions.
Pennsylvania Credit Union League - State trade association for Pennsylvania's credit unions created in 1934 as a non-profit, tax-exempt organization serving credit unions.
Rhode Island Credit Union League - State trade association. Includes information about credit unions and the organization's services to its members, as well as a directory of credit unions in Rhode Island.
Savings and Credit Cooperative League of SA Ltd. (South Africa) - The league provides development, training, advice and technical services as well as central banking. Describes services, offers news, contacts and links by province.
South Carolina Credit Union League - State trade association serving South Carolina credit unions.
South Dakota Credit Union League - State trade association serving South Dakota credit unions.
Tennessee Credit Union League - State trade association serving Tennessee credit unions.
Utah League of Credit Unions - State trade association serving Utah credit unions.
Vermont Credit Union League - State trade association serving Vermont credit unions.
Virginia and Washington D.C. Credit Union Leagues - State trade association serving credit unions in Virginia and Washington, D.C.
Washington Credit Union League - State trade association serving Washington credit unions.
West Virginia Credit Union League - State trade association serving West Virginia credit unions.
Wisconsin Credit Union League - State trade association serving Wisconsin credit unions.
World Council of Credit Unions - The WOCCU promotes the sustainable development of credit unions worldwide as instruments of economic and social development.

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Kredyt towarowy (zwany również kupieckim lub handlowym) to postawienie do dyspozycji towarów będących przedmiotem wymiany rynkowej. Występuje on wówczas, gdy normalna transakcja kupna-sprzedaży przekształca się w stosunek kredytowy ze względu na odroczenie terminu zapłaty. Kredyt umożliwia prowadzenie działalności handlowej w sytuacji, gdy potencjalni nabywcy nie mają wystarczających środków finansowych, aby kupić towar w momencie oferowania go do sprzedaży, a równocześnie sprzedawcy nie mogą znaleźć nabywców, którzy mogliby natychmiast zapłacić im gotówką.