Understanding Loans According to Experts

Understanding Loans According to Experts - Loans are a type of debt that can involve all kinds of tangible objects although usually more often identified with monetary loans. Like other debt instruments, a loan requires the redistribution of financial assets over time between the borrower (debtors) and the debtor (the lender).

The borrower initially receives a sum of money from the debtors to be repaid, often in the form of regular installments, to the lender. These services are usually provided with a certain charge called interest on the debt. The borrower may also obtain restrictions granted in the terms of the loan.


Loans are a type of debt that can involve all kinds of tangible objects although usually more often identified with monetary loans. Like other debt instruments, a loan requires the redistribution of financial assets over time between the borrower (debtors) and the debtor (the lender).

The borrower initially receives a sum of money from the debtors to be repaid, often in the form of regular installments, to the lender. These services are usually provided with a certain charge called interest on the debt. The borrower may also obtain restrictions granted in the terms of the loan.

In everyday life we ​​often hear the word loan even as an offender in the way of lending or credit. Understanding Loans is one form of short-term, medium and long-term debt to pihka who lend (creditor) with melamirpakan guarantee or only based on trust alone (without jamainan).

In general, the loan given by the creditor to the party in need (debtor) will charge a number of agreements that provide benefits or benefits for both parties, where the first party (creditor) will gain the excess of the loan principal in the form of interest or other titles, while for the second party will benefit from a loan facility that he can use in accordance with the intended allocation of course by paying principal loan ditamabah with interest charges charged to him.

Loans or debt in terms of repayment are grouped into three categories as follows:

Short-term debt / less than one year (current liabilities)

This debt is a debt that is less than one year old and the frequency is very frequent. An example of a current debt is

salary payable Rp.2000
accounts payable Rp.3000
debts payable Rp. 1500
interest payable Rp.300
taxes payable Rp.500
advertising debt already used but not paid Rp.125
total current liabilities Rp.7.425

If you want to make short or medium term loans you can get through a loan without collateral with an affordable interest rate and a high enough amount of ceiling and payment installment time long enough.

Medium Term Notes (MTN)

Ie a debt that repayment period between 5 years to 10 years but the time could be in one year. In general, this type of debt uses the interest rate is better known in the international economy mediun ternm note.

in Indonesia itself medium term huntang follow the existing rules, debt issued by companies registered in the holder of MTN, for a certain period of time since the issuance of the MTN.

Examples of medium-term debt are as follows

Permanent working capital loans
small investment loans
small business loans
farming credit
and others

long-term debt is the company's debt to a third party with a redemption time over 10 years.

examples of long-term debt are bonds payable, mortgage and investment loans, bank loans, notes payable and many more long-term debt repayments over 10 years.

Thus the discussion for this time with a theme of understanding of loans and for example, hope you understand and thank you.

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