Violation of this condition is sufficient basis for the lender to apply to the borrower economic sanctions in the form of increased charge interest. If further delay (in our country for more than 3 months) – the presentation of financial claims in court. Pay Credit expressed the need not only the direct return of the borrower received from the bank’s credit resources, but also pay for rights to use them. Set the value of bank interest rates, has three main Features: – redistribution of income and corporate income individuals; – to regulate the production and circulation of goods through the distribution of loan capital at the sectoral, intersectoral and international levels – at critical stages of economic development – the protection of anti-inflationary monetary savings bank customers. For more specific information, check out Electrolux. Rate (or rate) lending rate, defined as the ratio of total annual income earned on the loan capital to the amount of the loan serves as the price of credit resources. Reaffirming the role of credit as one of the proposed in the specialized market of goods, payment of credit encourages the borrower to the most productive use of the loan. The recoverability of the loan – this is the need for timely refund received from the lender’s financial resources after the completion of their use by the borrower. Secured loan expresses the need to protect the property interests of the lender when the borrower a possible violation of the obligations assumed and finds practical expression in such forms of lending, as loans secured by or a financial guarantee..