предсказуемо secured deposit, но бываете еще веселей (последние два пункта) - как они выкручиваются с гарантией непонятно.
Interest No interest is charged. Bank is compensated with a fixed monthly fee
Collateral Collateral is required in many cases; most banks require an underlying deposit or undated check
Contract type Lease-based
Transaction restrictions The purchase of alcohol, tobacco, gambling, pork, and sexually-related items are forbidden
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Generally, there are three groups of Shariah-compliant credit card arrangements:
A bank provides a line of credit to the cardholder and charges a monthly or yearly usage fee tied to the outstanding balance of the line of credit.
A customer is allowed to buy an item with a card, but in the instant that the card goes through, the bank purchases the item before selling it to the cardholder at a higher price.
A lease-purchase agreement where the bank holds title to the purchased item until the cardholder makes the final payment.
Все эти трюки со сменой владельца, пожалуй, исключительно в описании принципа работы карточки и в голове клиента, так что с гарантией проблем быть не должно.
Собственно, a monthly or yearly usage fee tied to the outstanding balance of the line of credit вполне годится для всех практических применений, в том числе и для secured loans; неясно, зачем была бы нужна эта игра с магическими покупками и перепродажами.
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timeasmymeasure
no subject
Date: 2019-11-14 08:13 am (UTC)no subject
Date: 2019-11-14 12:20 pm (UTC)Interest
No interest is charged. Bank is compensated with a fixed monthly fee
Collateral
Collateral is required in many cases; most banks require an underlying deposit or undated check
Contract type
Lease-based
Transaction restrictions
The purchase of alcohol, tobacco, gambling, pork, and sexually-related items are forbidden
-0--------
Generally, there are three groups of Shariah-compliant credit card arrangements:
A bank provides a line of credit to the cardholder and charges a monthly or yearly usage fee tied to the outstanding balance of the line of credit.
A customer is allowed to buy an item with a card, but in the instant that the card goes through, the bank purchases the item before selling it to the cardholder at a higher price.
A lease-purchase agreement where the bank holds title to the purchased item until the cardholder makes the final payment.
no subject
Date: 2019-11-14 05:33 pm (UTC)Собственно, a monthly or yearly usage fee tied to the outstanding balance of the line of credit вполне годится для всех практических применений, в том числе и для secured loans; неясно, зачем была бы нужна эта игра с магическими покупками и перепродажами.
no subject
Date: 2019-11-14 05:39 pm (UTC)