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Before giving the loan, the Bank determines the degree of risk, he is willing to take on, and the size of the loan, which can be granted. In article 5 of the Law "On banks and banking activity STI" refers to banking operations and other transactions, but these concepts Tiya is not differentiated.
Term loan — this form of loan. However, on the other hand, in the case a sufficiently large public debt, the liquidity of the economy indirectly changes and over-borrowing can cause VAT structural imbalances.