Kredyt na samochód możliwy zakup samochodu od dealera, z komisu, od osoby trzeciej, również pojazdu nie zarejestrowanego w Polsce! Zobacz Kredyt na samochód!
Kredyt na samochód - Housing
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).
Almanac of Policy Issues: Housing - News, background information, and links on U.S. housing issues, including public housing, Section 8 vouchers, and rent control.
Australasian Housing Institute - Professional body for individual practitioners in the broad social housing sector in Australasia - linking social housing workers in Australia and New Zealand. Details of membership benefits, events and publications.
Australian Housing and Urban Research Institute (AHURI) - A consortium of research centres funded by Australian State and Commonwealth Governments, as well as by member universities. Site includes a significant body of housing research publications.
BUBL Link: Housing - Online library features links to resources related to social housing.
Building More, Wanting Less - Wes Janz, Professor of Architecture at Ball State University, photographs and comments on living conditions in working class neighborhoods of cities across the world. Contributions by others and further submissions requested.
Center on Budget and Policy Priorities - Housing - Group works to make sure that US federal housing subsidies are directed to the most needy citizens. Page includes list of research areas, current state issues and events.
Chartered Institute of Housing - A professional body for people working in housing in the United Kingdom. Promotes the provision and management of good quality, affordable housing.
Community Housing NSW - Resource for community housing providers and tenants in New South Wales.
Council for Affordable and Rural Housing - A national advocacy and educational association for individuals and businesses involved in the financing, development and management of affordable rural housing.
European Network for Housing Research - The group is composed of researchers from a variety of social science disciplines dealing with housing and urban issues. Includes details of conferences, events and publications.
Green Neighborhoods Initiative - Organisation that is pro-development, pro-environmental, and pro-livability. They promote "Transparent Neighbourhoods". Includes details of Emerald Awards for Neighborhood Planning and Building Excellence.
Housing: A Basic Human Right - A presentation by Ken Kimmelman, Barbara Buehler Anthony Romeo, and Dale Laurin, arguing that Aesthetic Realism explains America's housing crisis, the cause, and the solution. Speakers, petition.
Housing and Housing Policy - Information from the UK Department for Communities and Local Government, concerning policy on housing issues.
Housing Assistance Council - Helps local organizations in rural America build affordable homes. Includes information about loans, technical assistance, training, links, publications and relevant articles.
The Housing Corporation - The government agency who fund and regulate Registered Social Landlords (including housing associations) in England.
Housing Information Gateway - Searchable international database on housing experts, organizations, events, bibliographies, and listservs that allows users to post additional information. Page uses frames.
Housing New Canadians Research Working Group - Research partnership focused on housing access and discrimination in the Toronto area. Research projects examine the housing search process used by immigrants and refugees, the quality and cost of the housing they obtain, the degree to which their housing needs are met, and the nature and extent of any housing-related discrimination.
Housing Policy Debate - Quarterly journal from Fannie Mae Foundation provides insightful discussion and original research on a broad range of housing and community development issues.
Housing Studies Association - United Kingdom forum for housing related research and debate. Details of conference and events as well as recent publications from HSA.
Housingnet - UK housing information resource, containing a social housing database, information and topical debate. Also includes an online maintenance manual.
Inside Housing - E-magazine concerned with social housing issues in the UK. Page includes news, feature articles and career job listings.
Joint Center for Housing Studies - The Joint Center for Housing Studies of Harvard University analyzes the ways in which housing policy and practices are shaped by economic and demographic trends.
Joseph Rowntree Foundation - Independent development and social research charity, supporting a wide programme of research and development projects in housing, social care and social policy.
Narpac: Public Housing Issues in Washington, DC - The National Association to Restore Pride in America's Capital explains the problems of public in Washington, D.C., USA and new ways that have been used to improve this system.
National Home of Your Own Alliance - Funded by the Administration on Developmental Disabilities to promote opportunities for people with disabilities to own and control their homes.
NPR: Housing First - In this yearlong special reporting project Housing First, NPR News explores the housing dilemmas of Americans with special needs -- and how lack of housing can stymy their efforts to join mainstream society.
The Quest Trust (UK) - Shares information and ideas about economic and social regeneration, and resident-led estate based projects.
Roof Magazine - Bimonthly magazine on housing in Britain published by the nonprofit Shelter. Includes subscription information, resources, past articles and a look at the current issue.
Room at RTPI - Organizes seminars in the UK to discuss housing issues, such as how to create healthy communities, landlords, personal problems, and real estate markets.
Self-Help Enterprises - Providing technical services and support, helping families and communities compete for financial resources and empowering people to be leaders. Includes current programs, how to join, FAQ and related links.
Squat!net - Information on all squatted buildings and areas around the world. An international forum on squatted houses, squatting and carsides.
UK Social Housing - Includes up to date national news on social housing issues. There are many useful links to related sites, and also a forum to publish your views.
The Price Is Wrong - Article by Errol T. Louis in City Limits magazine [New York] examining the way appraisal "redlining" skews estimated community property values downward. (March 1, 1997)
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Inside Housing - E-magazine concerned with social housing issues in the UK. [RSS]
Urban Institute: Housing - A nonprofit, nonpartisan policy research and educational organization established to examine the social, economic, and governance problems facing the US. [RSS]
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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.