The problem is the loss of economic value of manufactured products over time due to economic forces, wear and tear such as automobiles, electronic devices, structures and other manufactured or assembled products, but it is not taken as a factor in the terms of the loan of which such products were purchased by the consumers. My method called “Cascading Financing” takes into consideration the loss of value of such goods and products and incorporates it in the terms of the loan through the reduction of interest rate every term/year/month the loan is satisfied. Over time “Cascading Financing” will be used in financial transactions to reward the consumer/debtor for the timely payment or satisfaction and of the customer loyalty. It can be spun into other creative forms of financing as long as the basic core of “Cascading Financing” is applied, i.e. reduction of interest rate over the terms agreed upon by parties involved.
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