Question

Перевести текст Banks make their profits by lending the money which customers deposit with them to others who need it for personal or business reasons. Most people need more money than they have currently available at some time in their lives. To be a borrower you must be a customer of the bank because the money will be lent to you through a bank account. There are two ways in which you may borrow. The first, and easy, is to spend more money than you have in your current account – to overdraw. The second, and the normal way of borrowing larger amounts or for a long period of time is the loan. If a manager permits an overdraft on current account he is likely to set a limit to the size of the overdraft and may stipulate a date by which the account is back in credit. Businesses whose payments and receipts are often irregular will frequently need to use overdraft facilities and they are often granted to private customers as well particularly when the manager knows that regular payments are made directly into the account. If a loan is granted it will be a fixed sum immediately available for a fixed period of time. The principal and the interest on it may all become due for payment at the end of that period but for personal loans it is common to arrange that the loan and interest are repaid in equal regular instalments over the period of the loan. A separate account is opened to record the repayments as they are made. Sometimes people do not ask for enough money because they are anxious about the burden of the repayments. The manager will be wise enough to try and ensure that you will have sufficient amount of money to do what you want to do. Finally we will consider whether or not you really will be able to repay and what kind of security you can offer against the possibility that you do not repay. In the case of a business the manager may well want to see well prepared, relevant documents such as profit and loss accounts and balance sheets for the most recent years. He would also ask about the expected return from the use of the money and want to see some figures upon which you have based your calculations. For a business good security might be one or more of the assets of the business while personal loans are often secured by such things as life insurance policies on which the bank is making regular payment for you

Answer 1

Банки делают свои прибыли за счет кредитования деньги, которые клиенты вклада с ними тем, кто в ней нуждается для личных или деловых целях. Большинство людей нужно больше денег, чем они имеют в настоящее время в какой-то момент в их жизни.
Чтобы быть заемщик, вы должны быть клиентом банка, потому что деньги будут одолжил вам через банковский счет. Есть два способа, в котором вы можете заимствовать.Во-первых, и просто, чтобы потратить больше денег, чем есть у Вашего расчетного счета - преувеличивать.Во-вторых, обычный способ заимствования в больших количествах или в течение длительного периода времени кредит.
Если менеджер позволяет овердрафт по текущему счету, он, скорее всего, установить ограничение на размер овердрафта и может быть предусмотрен срок, к которому счет вернулся в кредит. Предприятия, чьи платежи и поступления часто бывают нерегулярными будет часто нужно использовать овердрафт, и они часто предоставляются частным клиентам, а особенно, когда менеджер знает, что регулярные платежи производятся непосредственно на счет.
Если кредит выдается это будет фиксированная сумма, немедленно доступны в течение определенного периода времени.Основной и проценты по нему могут все стать подлежащим уплате в конце этого периода, но и для личных займов он является общим устроить так, чтобы кредит и проценты погашаются равными регулярных взносов в течение срока кредита.Отдельный счет будет открыт для записи погашение, как они сделаны.
Иногда люди не просят достаточно денег, потому что они беспокоятся о бремени выплаты.Менеджер будет достаточно мудры, чтобы попробовать и убедиться, что у вас будет достаточное количество денег, чтобы делать то, что вы хотите сделать. Наконец, мы будем рассматривать, действительно ли или не вы будете в состоянии погасить, и какие безопасности вы можете предложить на возможность того, что вы не погасить. В случае бизнес-менеджер может также хотят видеть хорошо подготовленные, соответствующие документы, такие как счета прибылей и убытков и балансов для самых последних лет. Он также хотел бы попросить об ожидаемом возвращении из использования денег и хотят видеть некоторые цифры, на которой вы, основанные ваши расчеты. Для бизнеса хорошая безопасность может быть один или несколько из активов предприятия, а персональные кредиты часто обеспечены такими вещами, как полисы страхования жизни, по которым банк делает регулярные выплаты для вас

Answer 2

Banks generate their profits by lending the money that customers deposit with them to individuals or businesses in need of funds for personal or business purposes. It is common for most people to require more money than they currently have available at some point in their lives. To be eligible for a loan, you must be a customer of the bank, as the money will be lent to you through a bank account.

There are two primary ways in which you can borrow money from a bank. The first and easiest method is by spending more money than you have in your current account, known as an overdraft. The second and more conventional way of borrowing larger amounts or for an extended period of time is through a loan.

If a manager permits an overdraft on your current account, they are likely to set a limit on the size of the overdraft and may require the account to be back in credit by a specific date. Businesses, whose payments and receipts are often irregular, frequently rely on overdraft facilities. These facilities are also granted to private customers, especially when the manager is aware that regular payments are made directly into the account.

When a loan is granted, it is a fixed sum of money that becomes immediately available for a fixed period of time. At the end of this period, both the principal amount borrowed and the interest on it may become due for payment. However, for personal loans, it is common to arrange for the loan and interest to be repaid in equal regular installments over the loan's duration. A separate account is opened to record these repayments as they are made.

Sometimes individuals do not request enough money because they are concerned about the burden of repayments. In such cases, the manager will make an effort to ensure that you have a sufficient amount of money to fulfill your needs. Additionally, the manager will assess your ability to repay the loan and determine what kind of security you can offer in the event that you are unable to repay.

For businesses, managers may request well-prepared and relevant documents such as profit and loss accounts and balance sheets for the most recent years. They may also inquire about the expected return from the use of the money and require supporting figures based on your calculations. Good security for a business loan might include one or more of the business's assets. On the other hand, personal loans are often secured by assets such as life insurance policies, on which the bank is making regular payments on your behalf.