Spotrebné úvery – podstata, význam, motívy, členenie, obchodné

Bc. Marek Feketík

Bachelor's thesis

Consumers loans – essence, signification, segmentation, business

Abstract:

The consumer loan represents the simplest way how to acquire financial means for various purposes nowadays. That is because it is quick in terms of processing, and it is also a very available type of loan. In Slovakia a consumer loan can be granted by a bank, as well as by a non-bank institution. Non-bank institutions often offer a brokering of the consumer loan straight in the store, where a purchase of a product, that is an object of a credit, is made. Therefore this method of getting a loan makes the consumers‘ lives significantly easier. It is necessary to manipulate with the consumer loan very carefully. We have to be aware of the fact, that our loan has to be paid back - our abillity to clear off a debt should be always properly considered and according to this ability we should choose the particular credit that suits us the best. A properly chosen consumer loan can save our nerves and wallets, too. After our analysis of consumer loans, we came to the conclusion, that if we open a savings account for capitalizing financial resources along with lodging a credit, we can save up quite a lot of money in total. In conclusion, we have to carefully consider all our options - how much money we are able to pay back in anuity and then evaluate all possible alternatives, which are available.

Abstract:

Spotrebný úver v dnešnej dobe predstavuje najjednoduchšiu formu, ako získať finančné prostriedky na rôzne účely. Ide totiž o rýchly a dostupný druh úveru. U nás ho poskytujú tak bankové, ako aj nebankové subjekty, ktoré často umožňujú sprostredkovanie úveru priamo v obchode, kde si daný tovar kupujeme. Spotrebiteľom to výrazne uľahčuje život. So spotrebným úverom treba zaobchádzať opatrne. Vybrať si tak, aby sme ho boli schopní splatiť. Ak s úverom naložíme správne, môže nám veľmi ušetriť nervy a peňaženky. Po analýze spotrebných úverov sme dospeli k záveru, že ak si popri úvere odkladáme finančné prostriedky, môžeme za neho v celkovom zúčtovaní ušetriť nemalé peniaze. Treba si ale uvedomiť, koľko sme schopní splácať v pravidelných splátkach a vyhodnotiť všetky možné alternatívy, ktoré máme k dispozícii. spotrebný úver, spotrebiteľ, finančné prostriedky

Keywords

spotrebný úver, spotrebiteľ, finančné prostriedky consumer loan, consumer, financial resources

Language used: Slovak

Date on which the thesis was submitted / produced: 9. 5. 2011

Thesis defence

• Date of defence: 23. 6. 2011
• Supervisor: doc. Ing. Jaroslav Belás, PhD.
• Reader: Ing. Adriána Šlajferčíková, PhD.

Banking Institute/College of Banking

Banking Institute/College of Banking SK

Bachelor programme / field:
Banking / Banking Management