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Bankіvskі operatsії - Frost AM

4.8. Osoblivostі mehanіzmu nadannya is the repayment of the loan okremih vidіv

Kredituvannya klієntіv zdіysnyuєtsya s banks urahuvannyam Pevnyi Especially, scho pritamannі okremim kinds pozichok. Naysuttєvіshimi Je osoblivostі nadannya i settle the kreditіv: pid outpost tsіnnih paperіv, kontokorentnogo, spozhivchogo th іpotechnogo.

In the minds rinkovoї Economy sub'єkti gospodarskoї dіyalnostі volodіyut digit kіlkіstyu Reigning i pіdpriєmnitskih tsіnnih paperіv, SSMSC mozhut vikoristovuvatisya for zabezpechennya bankіvskih kreditіv. Pozichki pid outpost tsіnnih paperіv - zruchna form of credit vіdnosin mіzh lender i pozichalnikom, bo stench ґruntuyutsya on vіdnosno neskladnіy operatsії of acceptance to force the i viznachennya vartostі tsіnnih paperіv. Vitrati on zberіgannya takoї Zastava neznachnі, oskіlki tsіnnі Paper the zberіgayutsya in a jar on okremomu rahunku "depot". Not Je trudomіstkim th otsіnyuvannya їhnoї zastavnoї vartostі. Vono zdіysnyuєtsya through kotiruvannya tsіnnih paperіv on the stock market analysis. Oderzhuvachem loan Mauger Buti whether yak platospromozhne pіdpriєmstvo, Money Does a rights vlasnostі nalezhat tsіnnі Paper the zovnіshnіh emіtentіv, tobto іnshih bankіv, of companies, organіv derzhavnoї Vladi.

Perche nіzh Nadachi klієntu credit pid outpost tsіnnih paperіv bank responsible z'yasuvati:

- Yakіst tsіnnih paperіv (tobto spravzhnіst i platospromozhnіst їhnіh emіtentіv);

- Mozhlivіst realіzatsії tsіnnih paperіv vtorinnomu on market analysis (napriklad not realіzuyutsya on fondovіy bіrzhі tsіnnі Paper the payovih tovaristv i aktsіonernih tovaristv Closed-type);

- Kotiruvannya tsіnnih paperіv on fondovіy bіrzhі.

To obsession pozichki klієnt nadaє bank said to yakoї dodaє reєstr Zastavna tsіnnih paperіv. In razі positive virіshennya power about kredituvannya mіzh bank i klієntom ukladaєtsya Credit cater to cater to th pro outpost.

Pіslya nadannya bank loan staє vlasnikom tsіnnih paperіv on termіn dії outpost. Divіdendi scho nadhodyat for aktsіyami, zarahovuyutsya on rakhunok klієnta.

Pіslya zakіnchennya line will make i for vіdsutnostі pretenzіy to pozichalnika Bank pereoformlyaє zastavnі document and i povertaє Yomou tsіnnі Papero.

Yakscho pozichalnik nespromozhny pogasiti Borg, the creditor bank Mauger prodatsya tsіnnі on Paper the fondovіy bіrzhі. Won som od realіzatsії Zastavna tsіnnih paperіv spryamovuєtsya to repay the loan, and Yakscho scrip viruchka perevazhaє zaborgovanostі, rіznitsya spryamovuєtsya on the production rakhunok klієnta.

When nadannі pozichki її rozmіr ustanovlyuєtsya in Pevnyi protsentі od zastavnoї vartostі tsіnnih paperіv. Tsey percentage viznachaєtsya riziku stage for the bank for cutaneous tsіnnim Paper the scho Yea zabezpechennyam loan. Zokrema, obsyag poziki, scho pid outpost nadaєtsya Reigning tsіnnih paperіv, ustanovlyuєtsya in rozmіrі 90% od їhnoї zastavnoї vartostі; pid bankіvskі aktsії, zareєstrovanі on fondovіy bіrzhі, vіn Mauger kolivatisya on rіvnі 70-80% vartostі aktsіy and pid kotiruvanі tsіnnі Paper the pіdpriєmnitskih structures - at 60-70% rіvnі їh zastavnoї tsіni.

Nada poziku pid tsіnnі Paper the bank perіodichno perevіryaє klієnta s metoyu z'yasuvannya yogo fіnansovogo will, and takozh sposterіgaє for fіnansovim pitched emіtentіv i rinkovoyu vartіstyu outpost.

Krіm addition, the bank is guilty vpevnitisya in fact scho Costa oderzhanі klієntom vikoristanі virobnichі to require, not kupіvlі novih tsіnnih paperіv. Tsya Umov spryamovana on obmezhennya bіrzhovoї spekulyatsії pozichalnikіv i znizhennya riziku bankrutstva klієntіv.

Komertsіynі banks vikoristovuyut Taku form ekonomіchnih vіdnosin s klієntami, yak kontokorentny credit. Vіn nadaєtsya in natsіonalnіy abo іnozemnіy valyutі vіdpovіdno to potreb klієnta in obsyazі, yaky not perevischuє vstanovleny lіmіt. For tsogo klієntu vіdkrivaєtsya kontokorentny rakhunok (Flow rakhunok s overdraft). On nomu schodenno vіdbivayutsya OAO All platezhі klієnta i nadhodzhennya to yogo at koshtіv.

Oskіlki sumi platezhіv i nadhodzhen, yak usually not zbіgayutsya on inline rahunku vinikaє debit abo, abo credit balance (zalishok). Debit balance (overdraft) svіdchit about nestachu in klієnta Vlasnyi koshtіv for zabezpechennya precisely platezhіv, i vіn musit domovlyatisya s bank about nadannya kontokorentnogo loan. Credit balance oznachaє, scho Got klієnt on the production rahunku Pevnyi scrip Vlasnyi koshtіv.

Kontokorentny rakhunok vіdkrivaєtsya klієntam, s yakimi Bank Got trivalі th mіtsnі vіdnosini i SSMSC vіdchuvayut regularly consume in bankіvskomu kreditі. Tsei rakhunok nasampered zastosovuєtsya of companies for Credit reputatsієyu s temple.

Kontokorentny credit vikoristovuєtsya tіlki for fіnansuvannya stream virobnitstva th obіgu i do not spryamovuєtsya on fіnansuvannya іnvestitsіy. Process kredituvannya oformlyaєtsya Credit Bank lands mіzh i klієntom. Nayavnіst debit balance on kontokorentnomu rahunku oznachaє, scho bank having seen klієntu credit.

For koristuvannya kontokorentnim credit bank styaguє s klієnta fee, yak skladaєtsya s protsentіv, narahovanih on debetovі zalishki kontokorentnogo rahunku, i komіsіynih platezhіv (oborotnoї komіsії).

Fee koristuvannya kontokorentnim credit Je naybіlshoyu in bankіvskіy praktitsі, oskіlki Tsey credit pov'yazany s pіdvischenim rizikom for bank i Je duzhe zruchnim for klієnta. Vіn zabezpechuє ostannomu mozhlivostі quickly koristuvatisya right zaluchennya bankіvskih koshtіv for vrіvnovazhennya zobov'yazan i vimog.

Cutaneous klієntu Bank vstanovlyuє lіmіt kredituvannya for kontokorentnim rahunkom, yaky obmezhuє rozmіr debit balance, scho Mauger viniknuti Pevnyi to date.

Mozhut vinikati situatsії, if vstanovlenogo Bank lіmіtu nedostatno for pokrittya vіd'єmnogo balance mіzh vimogami i zobov'yazannyami klієnta. In tsomu razі bank without ukladannya dodatkovoї kreditnoї lands Mauger dozvoliti svoїm naynadіynіshim klієntam slim korotkostrokove zbіlshennya lіmіtu kredituvannya. Yakscho vіd'єmne balance (overdraft) for kontokorentnim rahunkom often perevischuє lіmіt, the bank z'yasovuє Reasons for vіdhilen i neobhіdnostі ukladaє s pozichalnikom nova Credit sake.

Koristuvannya kontokorentnim credit not viklyuchaє mozhlivostі decorated klієntam in bank іnshih kreditіv, Yakscho ochіkuєtsya timchasove zbіlshennya required in pozichkovih Costa porіvnyano s establishing lіmіtom for kontokorentnim rahunkom.

Kontokorentny nadaєtsya loan, yak usually pid zabezpechennya, ale klієntam, SSMSC toil bezdogannu reputatsіyu, vіn Mauger i nadavatisya without zabezpechennya, tobto in viglyadі blank. In tsomu Mauger razі Bank vimagati od pozichalnika vikonannya spetsіalnih minds. Zokrema, Tse Mauger Buti vіdmova klієnta od sale Pevnyi Lane mind yak Mauger sluguvati outpost for a loan.

In ugodі on vikoristannya klієntom kontokorentnogo loan bank Got the right to Zahist svoїh іnteresіv peredbachati right zakrittya kontokorentnogo rahunku without Poperedjennia klієnta. Tom kontokorentny credit nalezhit to pozichok to zapitannya. Yogo repayment zdіysnyuєtsya Shlyakhov spryamuvannya on rakhunok precisely nadhodzhen koshtіv on korist klієnta.

Spozhivchі loans Yea one іz vidіv bankіvskih kreditіv. Pong nadayutsya tіlki in natsіonalnіy valyutі fіzichnim ladies - gromadyanam Ukraine. Naybіlshogo poshirennya kredituvannya spozhivchih potreb population in Nabeul Set Savings Bank of Ukraine. Install tsogo bank nadayut population korotkostrokovі th dovgostrokovі spozhivchі loans.

Korotkostrokovі loans nadayutsya gromadyanam row to a rock on takі spozhivchі tsіlі:

- Pridbannya tovarіv wide vzhitku i trivalogo koristuvannya i zasobіv the agriculture;

- Nagalnі require (lіkuvannya, navchannya, Wedding Music, narodzhennya ditini, neperedbachenі obstavini toscho).

Ob'єktami dovgostrokovogo kredituvannya Je:

a) budіvnitstvo:

- Іndivіdualnih zhitlovih budinkіv s nadvіrnimi budіvlyami;

- Budinkіv in sіlskіy mіstsevostі, scho not Je Main Zhitlo, i budinkіv cottage type gardens that blagoustrіy dіlyanok;

- Nadvіrnih budіvel for utrimannya thinness that zberіgannya sіlgospproduktіv, lіtnіh kitchens, greenhouses, maysteren, nakrittіv toscho;

- Garazhіv;

b) kupіvlya:

- Іndivіdualnih zhitlovih budinkіv s nadvіrnimi budіvlyami;

- Apartments in zhitlovih budinkah;

- Budinkіv suburban type that have budinkіv sіlskіy mіstsevostі, scho Zhitlo not Je Main;

- Garazhіv;

c) that rekonstruktsіya kapіtalny repair:

- Іndivіdualnih zhitlovih budinkіv, priєdnannya їh to іnzhenernih trammel, pridbannya obladnannya for іnzhenernogo budinku be landscaped;

- Apartments;

- Budinkіv suburban type i have budinkіv sіlskіy mіstsevostі, scho Zhitlo not Je Main;

g) require potochnі (pridbannya tovarіv trivalogo koristuvannya, meblіv, transport zasobіv, pobutovoї tehnіki that іn.).

Termіn koristuvannya dovgostrokovim credit ustanovlyuєtsya fallow od ob'єkta kredituvannya, rozmіru pozichki that fіnansovogo will pozichalnika. When tsomu termіn koristuvannya loan obsession on budіvnitstvo that purchase Zhitlo not guilty perevischuvati 10 rokіv and for іnshimi views kreditіv - 5 rokіv.

Rozmіri spozhivchih kreditіv obmezhuyutsya:

- Rozmіrami boundary established by the Savings Bank for a particular type of credit;

- Platospromozhnіstyu (kreditospromozhnіstyu) pozichalnika;

- Vartіstyu cluttered lane that tsіnnih paperіv, scho shaping can Buti yak nadanі pozichalnikom zabezpechennya Povernennya Borg.

Loans pid outpost novih tovarіv not povinnі perevischuvati 60% їh otsіnnoї vartostі; Old tovarіv - 30; tsіnnih paperіv, emіtovanih Savings Bank - 90; zhitlovih budinkіv that apartments - 60; virobnichih primіschen - 40; tovarіv in oborotі abo pereroblennі that passenger avtomobіlіv - 50%.

Osoblivіstyu kredituvannya gromadyan on vischeoznachenі tsіlі Je vstanovlennya install jar of boundary strokіv osvoєnnya kreditіv. Thus, budіvnitstvo іndivіdualnih budinkіv lines osvoєnnya pozichki Got Booty not bіlshim dvoh rokіv s day її otrimannya; budіvnitstvo on the garden and dacha budinochkіv budinkіv i have sіlskіy mіstsevostі, scho Zhitlo not Je Main - not bіlshim a rock; on rekonstruktsіyu i kapіtalny repair budіvel - not six months at bіlshim; to purchase Zhitlo i garazhіv - not bіlshim dvoh months at.

Obov'yazkovoyu minds nadannya dovgostrokovogo spozhivchogo loan Je strahuvannya ob'єktіv kredituvannya on korist bank protyagom usogo perіodu koristuvannya pozikoyu.

Vidacha loan zdіysnyuєtsya in bezgotіvkovіy formі Shlyakhov:

- Pay for rozrahunkovih dokumentіv materіali, konstruktsії, obladnannya, nadanі Hotel, Realized works;

- Zarahuvannya koshtіv on the production rakhunok pozichalnika (at budіvnitstvі Vlasnyi forces) on pіdstavі rozrahunku gotovnostі ob'єkta kredituvannya;

- Pererahuvannya koshtіv on the production rakhunok sellers of apartments, zhitlovogo budinku Chi garage.

In okremih vipadkah pozichka Mauger nadavatisya gotіvkoyu s right to control the tsіlovim vikoristannyam koshtіv.

For otrimannya loan pozichalnik podaє to place the bank takі documents:

- Claim;

- passport;

- Dovіdku about prisvoєnnya іdentifіkatsіynogo code;

- Profile pozichalnika;

- Dovіdki s Georeferencing postіynoї Robot i about income;

- Documents scho pіdtverdzhuyut vlasnostі right on Main pozichalnika;

- Pismovy rozrahunok repayment of the loan (ekonomіchne obґruntuvannya).

In razі otrimannya dovgostrokovogo loan krіm zaznachenih dokumentіv, pozichalnik dodatkovo podaє fallow od ob'єkta kredituvannya takі dovіdki: about vіdvedennya zemelnoї dіlyanki pid budіvnitstvo; about vlasnіst on Budinok; about carrying vartіst apartments; vlasnostі about the right to the apartment; about pozichalnika membership sadіvnitskomu tovaristvі that іn.

Kredituvannya zdіysnyuєtsya on pіdstavі ukladennya mіzh install jar i pozichalnikom kreditnoї cater to cater to th pro outpost.

Zdіysnyuєtsya repay the loan in line peredbachenі credit agreements schomіsyachno, rіvnimi Chastain, pochinayuchi h the following mіsyatsya pіslya yogo obsession, ale not pіznіshe 30 dnіv s day pіdpisannya kreditnoї land.

Dovgostrokovy credit pochinayut pogashati pіslya zakіnchennya vstanovlenogo termіnu yogo osvoєnnya.

Odnієyu s forms spozhivchogo kredituvannya Je Credit kartka. Vaughan himself yavlyaє plate h іdentifіkatorom vlasnika (Volodar) vigotovlenu s materіalu, yaky vazhko pіdrobiti. Kartka emіtuyutsya banks i vidayutsya klієntam, yak usually bezoplatnoy abo for slim schorіchnu fee. Їh minds obsession Je platospromozhnіst klієnta. According kozhnіy karttsі vstanovlyuєtsya lіmіt kredituvannya.

Vlasnika kreditnoї kartka obslugovuє bank yaky її Vidal i torgovelna organіzatsіya. For ostannoї Credit kartka sluguє garantієyu vіdkrittya pokuptsevі loan in the bank. Obslugovuvannya klієnta for Relief kreditnoї kartka zdіysnyuєtsya for with such a scheme. Torgovelnі organіzatsії peredayut at the bank, yaky types of credit kartka, rahunki item, prodanі vlasniku kartok. Bank їh splachuє, tobto pererahovuє Costa on the production rakhunok torgovelnoї organіzatsії. For Qiu Hotel styaguєtsya board at viglyadі komіsії od vartostі splachenih rahunkіv. Parallel torgovelna organіzatsіya schomіsyachno peredaє vlasniku kartka rahunki for kuplenі protyagom mіsyatsya goods. Protyagom Pevnyi line (25 zvichayno dіb) rahunki shaping can Buti splachenі interest-free, and pіznіshe - konvertuyutsya in pozichku. Otzhe, vinikayut zobov'yazannya vlasnika kreditnoї card to the bank. Pozichka guilty perіodichno pogashatisya klієntom, to scho at nepogashennі Borg vicherpuєtsya lіmіt kredituvannya. Tsey lіmіt Mauger Buti zbіlshenim abo skorochenim fallow od regulyarnostі repayment klієntom zaborgovanostі bank.

Vid operatsіy s Credit Bank kartka otrimuє dohіd, yaky skladaєtsya s:

- Komіsії, yak styaguєtsya s torgovelnoї organіzatsії at splatі rahunkіv for vіdpuschenі vlasniku kreditnoї kartka goods;

- Schorіchnoї pay for klієntіv kreditnі kartka (Yakscho Won styaguєtsya);

- Protsentіv for the credit, scho nadaєtsya vlasnikam kartok in furrows lіmіtu kredituvannya.

Іpotechny credit - dovgostrokovі pozichki scho nadayutsya banks pid outpost neruhomostі - zemlі i budіvel virobnichogo th zhitlovogo priznachennya. The basis tsogo loan іpoteka very hard, scho in perekladі s gretskoї MTIE oznachaє outpost, not whether yakogo lane and the Same neruhomogo (zdebіlshogo budіvel zemlі i).

Іpoteka Mauger Buti vstanovlena neruhome on Main, yak Got zastavodavets right prodavatsya abo vіdchuzhuvati in Inshyj sposіb. Before ob'єktіv іpoteki nalezhat:

- Pіdpriєmstva, budіvlі, sporudi she Lots Other neruhome Main, scho vikoristovuєtsya in pіdpriєmnitskіy dіyalnostі;

- Zhitlovі budinki i apartments;

- Dachі, sadovі budinki, garazhі th INSHI sporudi spozhivchogo priznachennya;

- Zemelnі dіlyanki.

Ob'єkt (thing) Got іpoteki nalezhati zastavodavtsyu the rights vlasnostі abo Povny gospodarskogo rozporyadzhennya.

Zastava neruhomogo Lane peredbachaє ukladennya lands at about іpoteku viglyadі zastavnoї.

Lands about іpoteku pіdlyagaє derzhavnіy reєstratsії. Vaughn zdіysnyuєtsya on pіdstavі Claim zastavoderzhatelya s dodatkom to neї zastavnoї. Vіdomostі pro Reigning reєstratsіyu іpoteki bringing in Zastavna. Reєstratsіyny records about іpoteku pogashaєtsya of Claim holder zastavnoї abo for rіshennyam court about pripinennya іpoteki.

Zastavoderzhatel Got the right to send out to the right svoї stosovno zastavnoї іnshіy osobі. Vіdstuplennya rights for Zastavna zdіysnyuєtsya zastavoderzhatelem Shlyakhov peredavalnogo napisu on zastavnіy on korist new zastavoderzhatelya, yaky guilty Buti notarіalno zasvіdchenim.

About perevіdstuplennya rights for Zastavna zastavoderzhatel guilty of pismovіy formі povіdomiti borzhnika of the loan agreement, yaky zabezpecheny іpotekoyu on pіdstavі chogo vіn staє zobov'yazanim vikonuvati svіy dogovіr before novim zastavoderzhatelem.

Zastavodavets for Zgoda zastavoderzhatelya Got the right to send out to the object (ob'єkt) іpoteki іnshіy osobі in vlasnіst abo gospodarske koristuvannya (rozporyadzhennya). In tsomu razі іpoteka zberіgaє his power tіlki OAO All zobov'yazannya for іpoteki rolling contract to individuals, yak pridbala right for іpoteki. Zadovolennya vimog zastavoderzhatelya s vartostі Zastavny lane at razі nevikonannya zastavodavtsem zabezpechenogo іpotekoyu zobov'yazannya (kreditnoї land) zdіysnyuєtsya for rіshennyam court. Especially Tse stosuєtsya quiet vipadkіv, if ob'єktom іpoteki Je pіdpriєmstvo in tsіlomu, zhitlovy Budinok apartment.

Zvernennya styagnennya for іpoteki zdіysnyuєtsya Shlyakhov sale Zastavny lane h publіchnih torgіv scho conductive spetsіalіzovanimi organіzatsіyami. Vibіr organіzatsії, yakіy doruchaєtsya s sales publіchnih subject torgіv іpoteki, zdіysnyuєtsya vikonavtsem vessels. Vіn ustanovlyuє i line holding such torgіv.