By Steven Finlay
This ebook presents a complete, cross-disciplinary and sensible advent to client credits.
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Additional info for Consumer Credit Fundamentals, Second Edition
D. the Church’s attitudes to usury became increasingly strict. D. 70) which was considered by the Church as the worst of all fates in denying the guilty a Christian burial and condemning them to an afterlife of eternal damnation. Although usury was forbidden, other routes for borrowing did exist and were widely practiced. Lending in the form of a joint venture, with part of the proﬁts used to repay the loan was acceptable. So, for example, funds might be provided to a merchant to purchase trade goods from overseas with the proﬁts from the venture being proportioned between the merchant and the moneylender.
Most consolidation loans are secured against property, but are then used to re-ﬁnance consumptive expenditures incurred using credit cards, mail order accounts, personal loans and so forth. Alternatively, a holiday bought using a credit card would normally be considered consumptive with no productive potential. Yet it could be argued that in taking a holiday and getting away from their work for a while, an individual comes back refreshed and energized and so therefore, more productive in their employment.
Mortgages were commonplace with loans secured against land or property. Many of the Greek temples acted as moneylenders, obtaining a considerable share of their income from their lending activities. Yet the penalties for non-payment of debts were severe, with it being The History of Credit 35 accepted that unpaid debt invariably led to the debtor, their family and property becoming forfeit in lieu of payment. Thus unpaid debt could lead to poverty and slavery and this was a common fate for many Greeks.
Consumer Credit Fundamentals, Second Edition by Steven Finlay