The answer is the second answer
Answer:
(1). Secured loans
Collateral is generally required for secured loans. Secured loan are those for which the borrower, along with a promise to repay, puts up some asset (collateral) as surety for the loan. A secured loan instrument simply means that in the event of default, the lender can use the asset to repay the funds it has advanced the borrower. The risk of default on a secured loans tends to be relatively low since the borrower has so much more to lose by neglecting his financial obligation. Secured loans financing is typically easier for most consumers to obtain. As this type of loan carries less risk for the lender, interest rates are usually lower for a secured loan.
(2). Higher interests rates.
People who get loans but are considered a risk to fully repay them, often get higher interest rate. Because the risk to the lender is increased relative to that of secured debt, interest rates on unsecured debt tend to be correspondingly higher. However, the rate of interest on various debt instruments is largely dependent on the reliability of the issuing entity. An unsecured loan to an individual may carry astronomical interest rates because of the high risk of default.
(3). Higher total payment.
An unsecured loan to an individual may carry astronomical interest rates because of the high risk of default. Lenders issue funds in an unsecured loan based solely on the borrower's creditworthiness and promise to repay. Unsecured loan has no collateral backing, It involves no security, Hence, If the borrower defaults on this type of debt, the lender must initiate a lawsuit to collect what is owed.
The answer to this quesiton is <span>naturalistic observation
</span><span>naturalistic observation refers to a type of research in which scientists will observe the subject at their natural environment.
In this particular case, 'daters' are the subject of their experiment and 'dating events' are the natural environment.</span>
Hello! I'll gladly go over this question as a native Spanish speaker.
It's very common to see Spanish words that were adapted or transitioned from an English word. Cafeteria would be one of them. Another eample would be tanque = Tank. This is the result of a bad pronunciation or adaptation from the original word which would be the English one.
You can definitely find many examples like that one, and notice how Spanish cultures mix English words with their Spanish and adapt them until they become official words in dictionaries.
Both the ancient Greeks and Phoenicians extensively colonized vast areas of Europe, along the Mediterranean and Black Sea coasts. In doing so, they spread their culture, which strongly influenced the local tribes. For the Greeks, this is called “Hellenization”.
