Você procurou por: pozajmljivač (Sérvio - Inglês)

pozajmljivač arieti
karigurashi no arrietty

pa ko je onda tu pozajmljivač a ko zajmodavac?
so who's the borrower and who's the lender?

termini pozajmica, zajmodavac i pozajmljivač su zabluda.
the terms loan, lender and borrower are all misleading.

pozajmljivač onda ispisuje sebi ček da bi kupio polovna kola.
the borrower then writes a check on that bank credit to buy the used car.

pozajmljivač želi da kupi neku stvar ali trenutno za to nema sredstva.
the borrower wants to purchase an item but doesn't have the funds to do so at the present time.

pozajmljivač je dobio željeni predmet po uslovima ko je svojevoljno prihvatio.
the borrower got the item he desired on terms he willingly agreed to.

bez dokumenta koji je pozajmljivač potpisao, banke ne bi imale šta da pozajme.
without the document the borrower signed, the banker would have nothing to lend

pozajmljivač veruje da novi brojevi na računu sada predstavljaju njegov novac u banci.
the borrower believes the new numbers in his account now represent his money in the bank.

prvi prekršaj je obmana u kojoj pozajmljivač čini davanjem zaloga, imovine koju pozajmljivač još ne poseduje.
the first violation is the fraud the borrower commits, by pledging as collateral property, the borrower does not yet own.

istine radi...takozvani pozajmljivač je finansirao svoj račun lažno obećavajući kola kojih još nema, kao zalog.
the truth is the so-called borrower has funded his own account by fraudulently pledging a car, he does not yet own as collateral.

kad jednom pozajmljivač potpiše jemstvo za dug, banka vrši upis transakcije tako što uz par otkucaja na tastaturi naznačava dug banke prema pozajmljivaču.
once the borrower signs the pledge of debt, the bank then balances the transaction by creating, with a few keystrokes on a computer, a matching debt of the bank to the borrower.

s time u vezi, da bi svaki pozajmljivač mogao da vraća rate glavnice + kamate, dve stvari moraju biti ispunjene.
thus, for all borrowers to be able to make their payments of principal plus interest two things must be true.

ako se pozajmljivač obaveže banci da će kupiti predmet, zašto onda banka jednostavno ne kupi kola sa svojim parama i onda ih proda pozajmljivaču sa kamatom?
the bank can do it this way too. if the borrower commits to the bank to buy the item why doesn't the bank just buy it with its own money... and then sell it to the borrower on time payments and interest.

banka daje pozajmljivaču da potpiše ugovor gde pozajmljivač daje obećanje da će vratiti pozajmicu plus kamatu ili, u slučaju neizmirenja, mora da preda banci predmet kupovine.
the bank gets the borrower to sign an agreement... in which the borrower promises to pay the bank the ammount of the loan + interest or in default surrender to the bank the object that it is to be purchased with the loan.

dakle, ugovor u kome je pozajmljivač stavio kola kao zalog, i nije vlasnik kola, u zamenu za bankarskom obećanom plaćanju - ne bi se čak ni kvalifikovao kao ugovor.
so a contract in which a borrower say pledged a car... he does not own in exchange for a bank's promise of payment... would not even qualify as a contract.

iz razloga što su svi bankarski računi puka obećanja o plaćanju, banka i pozajmljivač mogu jednostavno da razmene obećanja, i u par otkucaja na tastaturi, na računu pozajmljivača će biti nadodate pare a da ih zapravo fizički niko nije ni stavio.
now, because all bank accounts are promises to pay... the bank and the borrower can simply exchange promises and... in the flash of few key strokes a positive balance appears to the borrower's bank account... with no anyone putting an existing money in.

dakle, da sumiramo, iz razmene obećanje koje su dali banka i pozajmljivač, društvo dobija hroničnu inflaciju i zavisnost od banaka za povećanim dozama novca kako bi se otplatile kamate, koje je inače nemoguće sve vratiti.
so to sum up, one could say that out of the exchange of promises made by the bank and the borrower... society gets chronic inflation and interdependency on banks for increasing infusions of money... to pay ultimately impossible interest payments.

banke mogu da prave pare tako što u glavnoj knjizi, na pozitnoj strani, stavljaju ono što pozajmljivač plaća preko rata i njegov zalog u vidu osnovnih sredstava, dok se na negativnoj strani kao balans piše sama pozajmica, ili ono što banka zove "depozitni dug" kojeg je stvorila banka.
banks can only create money by entering a borrower's payments and collateral as an asset... on the positive sign of the ledger balanced on the negative side by the loan... or what the banks call the deposit liability created by the bank.