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Lånehajar – Beskrivning

Lånehajar – Beskrivning

Pengar och dina val - Din relation till pengar -12/04 2022

When you take a loan it means that you borrow money from someone or a company. You return the money overtime but at the end you pay a bit more. If you don’t pay your loan back there can be punishments but you do not go to jail. You might get sued or the lender might take something from you.

The first loan system was made in mesopotamia. Mesopotamia was an ancient civilization 3000 BCE. The first loan system was made around 1754 BCE. The loan system was called the hammurabi code. The hammurabi code had one of the first written laws. Unlike now if you didn’t pay your loan properly in Mesopotamia you would face very high consequences. You would have to sell yourself, wife his kids and then pay money to the lender. Then you need to work for 3 years for the person who bought you and then in the 4th year you are free. In ancient Greece lending and taking loans became common. Interest rates were much lower in Greece than Mesopotamia. The highest was usually 12% in ancient Greece. The first payday loan was made in ancient Greece. A payday loan is when you pay more money because you have a higher salary or less with a less salary. The lender decides how much you pay.

I did a form and asked people what is the biggest risk of taking a loan. Most of them answered not being able to pay it back because of low income. Some answered getting scammed. I also asked what they think would be the biggest problem they will face while taking a loan. Many of them said that they might not have enough income or go into debt. Getting scammed was also one of the problems.

One of the biggest loan scams is a loan fee scam. A loan fee scam is when the lender asks for a fee for a low cost loan they take the fee and then later don’t give you the loan. Some ways to tell if it is a scam are: if the lender isn’t interested in your credit story. If the lender asks you to pay before they give the loan it is probably a scam.

You need to meet the bank or lender before you take a loan. You give information about yourselves then the lender or bank checks if they should give you a loan. You need to have a permanent contract or have a stable job to be able to take a loan. If you have not been able to pay back many previous loans then the lender probably won’t loan you any money. They won’t give you a loan if you don’t have enough income at that time but many people get new less  paying jobs.

 

RESULT

There are many risks of taking a loan. The biggest one is probably getting into debt and then not being able to pay your loan back. There are many other risks like getting scammed or not having enough income. The punishments of taking a loan have gone much better than there were before. Before you take a loan you need to watch out for all these risks or you will have to face financial problems.

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Lånehajar

Lånehajar

Pengar och dina val - Din relation till pengar -02/02 2022

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Frances Lucas

079-079 13 99 frances.lucas@gmail.com

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070-818 93 94 hanslernhagen@gmail.com
  • Områden
    • Vad är pengar?
    • Pengar ett verktyg
    • Pengar och dina val
    • Din relation till pengar
    • Vår planet i kris
    • En hållbar framtid
    • Expertåsikter och intervjuer
  • Hållbarhetsfonden
    • Vad är hållbarhetsfonden
    • Så här skapas fonden
  • Projektet
    • Projekt PENGAR!
    • Kontakt
  • Utställningen
  • Digitala handboken