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Іnvestitsіyne kredituvannya - Peresada AA

5.3. Feature spozhivchogo іnvestitsіynogo kredituvannya

Spozhivchy іnvestitsіyny credit - Tse loan, yaky nadaєtsya tіlki in natsіonalnіy groshovіy odinitsі fіzichnim ladies - residents of Ukraine on pridbannya s іnvestitsіynoyu metoyu neruhomostі, spozhivchih tovarіv trivalogo koristuvannya. Vіn nadaєtsya on viplat, Yakscho not peredbacheno Lots Other Minds credit agreement. Find our Sutnіsna spozhivchogo іnvestitsіynogo loan - kredituvannya іnvestitsіynih zahodіv fіzichnih osіb, zokrema on:

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) purchase:

• іndivіdualnih zhitlovih budinkіv s nadvіrnimi budіvlyami;
• Apartments in zhitlovih budinkah;
• budinkіv suburban type that have budinkіv sіlskіy mіstsevostі, scho Zhitlo not Je Main;
• garazhіv;
• cars abo zasobіv maloї mehanіzatsії;
• tehnologії that tehnologіchnogo obladnannya for pіdpriєmnitskoї dіyalnostі that іn .;

c) that rekonstruktsіyu kapіtalny repair:

• іndivіdualnih zhitlovih budinkіv, priєdnannya їh to іnzhenernih trammel, pridbannya obladnannya for іnzhenernogo budinku be landscaped;
• apartments;
• budinkіv suburban type that have budinkіv sіlskіy mіstsevostі, scho Zhitlo not Je Main;
• cars abo zasobіv maloї mehanіzatsії;
• tehnologіchnogo obladnannya that іn .;

g) INSHI potochnі іnvestitsіynі require (pridbannya pobutovoї tehnіki, meblіv, tovarіv trivalogo koristuvannya, SSMSC will vikoristovuvatisya in pіdpriєmnitskіy dіyalnostі fіzichnoї individuals).

Komertsіynі banks nadayut іnvestitsіynі spozhivchі loans fіzichnim ladies on komertsіynіy osnovі at dotrimannі printsipіv tsіlovoї spryamovanostі, zabezpechennya, strokovostі, platnostі that povorotnostі that have rozmіrah scho viznachayutsya vihodyachi s vartostі tovarіv that poslug, SSMSC Je ob'єktom kredituvannya.

Napriklad, loans for budіvnitstvo, purchase, repair kapіtalny that rekonstruktsіyu іndivіdualnih zhitlovih budinkіv, budinkіv gardens, villas Lots Other nadayutsya that have rozmіrі 75% koshtorisnoї vartostі budіvnitstva have furrows rozmіrіv, SSMSC vstanovlyuє komertsіyny Bank fallow od tsіn that in furrows resursіv Credit Bank.

Loans to individuals vidayutsya on osnovі Credit lands, SSMSC ukladayutsya s bank. In kreditnіy ugodі viznachayutsya line filed dokumentіv, SSMSC pіdtverdzhuyut tsіlove vikoristannya koshtіv on pozichtsі, fallow od ob'єkta kredituvannya, ale not pіznіshe vstanovlenogo osvoєnnya line.

When tsomu lines osvoєnnya kreditіv, pov'yazanih s budіvnitstvom, rekonstruktsієyu, kapіtalnim repair, not guilty perevischuvati 2 Rocky at pozichkah, SSMSC nadayutsya to purchase budinkіv, apartments she Lots Other - 2 mіsyatsі and Povny lines vstanovlyuєtsya fallow od tsіley ob'єkta kredituvannya , rozmіru pozichki that platospromozhnostі pozichalnika.

Credit oformlyaєtsya to please the whole bag of loan ukladaєtsya row koristuvannya pozichkoyu that pіdpisuєtsya kerіvnikom bank i pozichalnikom.

Іnvestitsіynі spozhivchі loans mozhut vidavatisya chastkami such rank, vitrati dwellers, repayment line for vіdsotki Vidanov sumac vіdpovіdali minds loan agreement. Cutaneous scrip credit, won pozichalnikom in furrows drain kreditnoї land, oformlyuєtsya string zobov'yazannyam i pіdpisuєtsya pozichalnikom.

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

To the credit of obsession that decorated kreditnoї lands pozichalniki nadayut bank takі documents:

• passport abo Inshyj document yaky zasvіdchuє lady;
• dovіdku s Georeferencing robots pozichalnika de vkazuєtsya serednomіsyachny dohіd ostannі for the 2nd quarter and pensіoneri nadayut bank posvіdchennya;
• Documents neobhіdnі for viznachennya platospromozhnostі klієnta;
• dogovіr outpost lane abo dogovіr about strahuvannya;
• doruchennya one abo bіlshe pratsezdatnih gromadyan, SSMSC toil postіyne dzherelo income;
• dovіdku about prisvoєnnya іdentifіkatsіynogo code;
• pismovy rozrahunok repayment of the loan (ekonomіchne obґruntuvannya);
• document yaky pіdtverdzhuє right to vіdpovіdnі pіlgi.

Krіm tsogo, pozichalniki nadayut at Bank spetsіalnі document and fallow od ob'єkta kredituvannya that vimog bank.

Especially retelno pratsіvnik bank responsible perevіriti registration of contracts to force lane, doruchennya gromadyan and takozh INSHI dovіdki that document SSMSC viznachayut platospromozhnіst pozichalnika.

On osnovі tsogo vstanovlyuєtsya scrip payment of the loan Borg, held rozrahunok zagalnoї sumi vіdsotkіv and takozh vstanovlyuєtsya order repayment of the loan is the vіdsotkіv on nomu.

On osnovі pіdpisanogo kerіvnikom bank credit agreement buhgalterіya oformlyaє іndivіdualnomu pozichalniku Osobowa rakhunok.

Often vidachі spozhivchih іnvestitsіynih kreditіv vikoristovuєtsya point system otsіnki applications (credit scoring). Main іdeєyu credit scoring Je mozhlivіst viznachennya of Quality loan Shlyakhov perevіrki fіnansovih, ekonomіchnih that іnshih faktorіv characteristics pozichalnika (div. Table. 5.1).

table 5.1

Factors SSMSC VIZNACHAYUT YAKІST SPOZHIVCHOGO ІNVESTITSІYNOGO LOAN

Zakіnchennya Table. 5.1

Maximum ball Mauger stanoviti 43 and mіnіmalny - 9, however rіshennya about vidachu loan priymaєtsya deprivation in vipadku, if scrip balіv perevischuє 28. Chim vischy ball, team bіlshі mozhlivostі gain the credit.