PÓLIZA DE CRÉDITO ASPECTOS FINANCIEROS, FISCALES Y CONTABLES.
Fecha
2018-07-12
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Jaén: Universidad de Jaén
Resumen
[ES] Una póliza de crédito es un préstamo concedido por el banco, se
establece una línea de financiación entre el cliente y el banco, de
forma que se puede disponer de una cantidad determinada de
dinero.
Al solicitar una póliza no se recibe el dinero que se ha concedido
por el banco, sino que se da el acceso a este para que se utilice
cuando este se necesite. La póliza de crédito genera unos intereses
y comisiones, en función del saldo que se utilice a crédito y del
tiempo que se utilice dicho saldo.
Una póliza de crédito es un producto financiero que puede ser
deducido por el cliente fiscalmente.
[EN] A credit policy is a loan granted by the bank, a line of financing is established between the client and the bank, so that a certain amount of money can be available. When applying for a policy, the money that has been granted by the bank is not received, but access is given to it so that it is used when needed. The credit policy generates interests and commissions, depending on the balance that is used on credit and the time that such balance is used. A credit policy is a financial product that can be subtracted by the client tax-wise.
[EN] A credit policy is a loan granted by the bank, a line of financing is established between the client and the bank, so that a certain amount of money can be available. When applying for a policy, the money that has been granted by the bank is not received, but access is given to it so that it is used when needed. The credit policy generates interests and commissions, depending on the balance that is used on credit and the time that such balance is used. A credit policy is a financial product that can be subtracted by the client tax-wise.