The purpose of this type of loan is the borrower must use the loan to the consumer, purchase of fixed assets for the purpose of serving personal interests. When implementing this form of lending, loan officers have to take into account the money was used to repay bank is personal income borrowers. This form of lending to appear in the early twentieth century, when the commodity economy development and the economic crisis occurred, making the capitalists produce has to be thrown away as many goods as the need consumer demand but there is no real demand. The most common form of this type of installment loans, a type has been applied very successfully in developing countries. Banks can give loans to their officials procurement of automobiles, motorcycles, home installments. In the Western countries and the United States, a person can buy a car to get around or over very easily while his account does not need to be 100% or 50% of the value of the vehicle. This helped to consumption of goods or more favorable than, thus promoting the development of production.
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