LONG-TERM LOANS
MORTGAGE
It is the capital loan, in which the party that contracts the debt, uses a property to guarantee said financing.
- It causes interest benefits, and establishes a certainty of profit in the event of default.Generating profits for your business and recovering your property, object of said mortgage, To whom it lends, produces obligations before a third party.
It is generally used with the intervention of banking institutions, and the procedures to conclude said financing are judicial, (in case of default) and the debtor or creditor may not use the object of the guarantee until it is formally finalized.
financing-and-long-term-loans-presentationACTIONS
They are the way in which the person (whether physical or moral), who acquires such documents, can participate and finance.
- Strong capital is provided by preferred shares. Shares designated as preferred shares are those that focus on the acquisition and sale of companies and are called type "A" shares. Control of the company is established by the hierarchy of the shares, as well as their quantity. The cost is very high and their issue is limited. They can be used to sell them through an intermediary "subscriber". The sale will be made by the investment broker and will be guided by subscription rights.
BONDS
They are a certified document, which formalizes the promise that a person (physical or moral) makes to pay a specific capital on a previously established date in which the interests that they decide to set will be included.
- Its sale is easy and its cost is reduced by improving the company's liquidity. It must be meticulous who invests in these bonds. They are used to be backed by a trust that prevents the movement of their value. The person who owns the bond, receives a claim or lien, for the property that has been offered as security for the loan.
Financial leasing
A financial lease is not very far from a simple lease, but in this, whoever leases the property or thing, has activities within the company.
- It allows you to move in the event that the company becomes bankrupt. It can be used as a means of evading taxes by being exempt from lien. Leasing implies the payment of interest to the company. The cost is higher than the acquisition of the item or concept rented.The use of this lease is for a period specified in the corresponding contract. It is a loan, which must be covered by small payments that are made within an agreed term.
