借錢係一類商業活動,存在嚮貸款市場,主要角色人物係包括借方、貸方、擔保人等,其次重有押品、還款人、收數佬、介紹人咁。
借錢唔使交出抵押品,例如信用卡貸款、銀行透支戶口等。無抵押貸款若果冇錢還,就只有搵專人去追數。收數佬可能係外判嘅專業收數公司。
有牌嘅,借錢唔使抵押品,不過利息會高過銀行。
高利貸俗稱大耳窿,多數都係無抵押貸款,要人事擔保。貸方會起清借方個底,姓名、身份證影印本、擔保人公司名同埋住址、電話,方便日後追數。
借方係買樓申請按揭貸款嘅顧客。押品係層樓,合約規定依期供樓還款。
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