word "restructuring" - a borrowing from English, means a change in structure, order, structure.The term is generic, so the processes referred to this concept can be found in any kind of activity.For example, in Western financial practices there such a thing as "restructuring of the company."In this case, the company reorganized under the influence of internal or external factors, because the status quo deemed ineffective.
for restructuring the company - is, first of all, to assess the current status and setting new goals that need to be achieved.Initial analysis usually involves evaluation of the current leadership, current strategies, tax, legal analysis.Therefore, almost always change the structure of the company involves far more layers than a financial restructuring.
Once the main problems, experts are developing a new strategy and design tasks.At this point, calculated to achieve the possible risks, the volume of resources needed.Sometimes it is preparing several initiatives, including the management and owners are choosing the best option.
Restructuring - is a complex process, the result of which should be the output of the organization to a new level.Several other takes place on open spaces of our motherland in the financial sector.Today, many individuals and entities faced with the fact that they can not at the appropriate time to repay loans and interest on them.
Debt restructuring is an agreement between the lender and the borrower, which is usually accompanied by a series of documents (a copy of the credit agreement, a copy of passport and work record card, a certificate indicating the amount paid and the amount of the debt, Certificate of Incorporation).Credit institution examines the solvency of the borrower, in the case of establishing the fact of inability to pay the loan on the current terms for a chosen another scheme of joint work.
Most financial institutions are likely to increase the terms of payment, change the repayment schedule of payments, change currency of the loan (for example, with the euro in the Russian rubles).In addition, customers can offer a "vacation credit" when given a certain period of delay in repayment of the principal amount of the payment.However, it should not deceive ourselves, because the bank will still get the money owed to him by adding them to the total amount of debt after the end of the grace period.
proposed restructuring of credit institutions - is not a gift.Almost always temporary improvement will result in additional interest payments.Therefore, all the proposed scheme should be carefully disassemble and calculate.Mortgage payers who are in difficult financial situation, one can consult the "ARMC" (a special agency for the restructuring of loans in the mortgage sector), where they can consult with the stabilization loan scheme or contract.
