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MF0979_2 TEMA 7

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MF0979_2 TEMA 7

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MF0979_2 TEMA 7

Created by

Paula Bosch Sotillo
Paula Bosch Sotillo
Spain

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MF0979_2 TEMA 7
 

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MF0979_2 TEMA 7Online version

MF0979_2 TEMA 7

by Paula Bosch Sotillo
1

Un préstamo es un ( ) ( ) donde la entidad financiera entrega una cantidad de dinero al prestatario según condiciones contractuales específicas .

2

Los préstamos se dividen en ( ) ( ) ( menor de un año ) , medio plazo ( 1 - 5 años ) y largo plazo ( más de 5 años ) .

3

Sistema Francés : Este método mantiene ( ) constantes durante toda la ( ) , donde el capital aumenta y los intereses disminuyen progresivamente .

4

Sistema Alemán : Caracterizado por cuotas de capital ( ) en todos los períodos , mientras los intereses decrecen al reducirse el ( ) pendiente .

5

Sistema Americano : Solo se pagan ( ) periódicos durante la vida del préstamo , devolviendo el capital completo al ( ) final .

6

Los préstamos incluyen ( ) ( ) adicionales como comisiones de apertura , cancelación y gastos de gestoría o notaría .

7

Cancelación Anticipada : Permite liquidar el capital ( ) antes del vencimiento , aplicando normalmente una comisión sobre el ( ) amortizado .

8

Leasing Financiero : Operación de arrendamiento con ( ) de ( ) final , permitiendo deducir las cuotas como gasto empresarial .

9

Leasing Operativo : Modalidad sin compra obligatoria que incluye ( ) y ( ) , ideal para bienes con rápida obsolescencia tecnológica .

10

Lease Back : Operación donde se ( ) un activo para obtener ( ) inmediata y simultáneamente alquilarlo mediante contrato de leasing .

 
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