Buyer`s credit is linked to international trade and is essentially a loan that is specifically granted to finance the purchase of capital goods and services. The buyer`s loan includes various cross-border agencies and usually has a minimum loan amount of several million dollars. `(4) Except to the extent that paragraphs 7 to 36 of this Section are expressly applied or are to be applied in order to determine whether, after the termination of a secured credit purchase agreement under Article 36A, there is a balance due by the creditor to the debtor or the debtor to the lender, nothing in those articles (with the exception of Article 34, paragraph (2) shall apply to the voluntary return to the creditor of consumer goods contained in a credit purchase agreement secured by the creditor. Debtor, if this return entails the termination of the contract in accordance with § 36A. “(c) the spot price of consumer goods (where there is an agreement on the sale of consumer goods or the debtor has the opportunity to purchase the consumer goods): “A secured contract of purchase on credit is a contract for the sale of consumer goods in which payment of all or part of the purchase price is deferred and a security right in consumer goods is created or provided for; payment of all or part of the purchase price; and includes a consumer goods lease which is treated as a sale on credit under section 16 of the Credit Agreements and Consumer Finance Act 2003”.` A trading line or trading line is a business credit account record that is provided to a business credit bureau. For large companies and publicly traded companies, trading lines can be tracked by rating agencies such as Standard & Poor`s, Moody`s or Fitch. Rental buyers can return the goods, which invalidates the original agreement as long as they have made the required minimum payments. However, buyers suffer a significant loss on returned or returned goods because they lose the amount they paid for the purchase up to that point. In point (a) of the definition of guarantor in Article 2(1), the words `amount of credit` shall be omitted and the word `advance` replaced.