Loan concept - Definition

From the Latin “praestarium”, the word loan is integrated by the prefix prefix “prae”, by “stare” verb that we can translate as “being” or “being in a place” plus the suffix of belonging “arium”.

In loans, someone is required to deliver something (material or immaterial) of their property or what they have legally possessed for another (individual or group) to use for free or paying some interest, as in In the case of money loans, but always recognizing the property in its true owner.

Examples: “They have lent me money with a low interest rate in the Bank of my neighborhood”, “I need to get the book borrowed from the library because I have no money to buy it ”or“ They lent me a nice dress to wear at the party, but I must return it impeccably tomorrow.”Loans without interest are based on the principle of assistance, collaboration and solidarity.

Legally, the bailment is called a loan of use, since it consists in giving a non-consumable material thing to another person to return it after a certain time with the deterioration of the use ”while the consumer loan , is the mutual , since the borrowed is money or other consumable or fungible things, having to be returned in the agreed term not the same thing that was lent (since it no longer exists) but its equivalent in terms of its gender, quality and quantity.In bank loans, the The financial entity, at the request of the party and after examining the client's economic capacity to pay back the loan, grants him a certain amount of money to pay in a certain number of fixed or variable installments, plus his interests, since in this case pursues a profit from the lender.

In Linguistics when a language takes a word from another (nouns, adjectives or verbs) and adopts it identical or with a small variant, it is called a lexical loan.Examples: pizza, word taken without modifications of Italian by almost all countries , or yogurt, term accepted by the SAR, which comes from the Bulgarian "yogourt".