Normally banks provide such services as money is secured only on the security of a valuable property.The Bank may sell the collateral if the borrower can not repay the loan taken.From here it follows that it provides a bank guarantee covering a loan if the bank is not confident in his ability and the ability of the client to pay its debts.
property given bail must have high liquidity, ie easily-sold to the highest bidder, or at least at a price close to the market.Typically, banks take as collateral:
- property (this is the most advantageous, as in this case, the bank takes the lowest percentage of the loan, as it is made according to the rules of the mortgage);
- vehicles;
- as banks can take on the security of securities and deposits (bank deposits).
most often granted bail money if you want the amount of not less than 500 thousand rubles., Ieusually the purchase of real estate, which for some reason can not issue the mortgage, or the purchase of a vehicle.Value of your collateral must be higher than the amount of credit provided to you, usually not less than 20%.Besides, what the difference is, the greater the chance that the bank will give you a loan, as it is with less risk.
most often take the money bail businessmen to develop their small businesses more, as directed credit more expensive and harder to get than secured property.Most often, getting this type of loan takes about a month.
Just at the borrower needs to be, so to say, a clear conscience, his biography.If you find a bank there any flaws, the bank can not give credit without conditions.
bail money are made in the offices of the bank already designated by the scheme.You fill out the application form or application for a loan, then, if you meet the requirements of the bank, it holds in relation to you check.
Before you receive a loan secured by real estate or a vehicle necessary to carry out an independent evaluation, and then insure them against damage or destruction.However, these procedures, insurance and assessment must pay directly to the borrower.
money bail - the most long procedure of registration of loans than others of their species.
All terms and conditions of the loan on bail and his redemption stipulated in the loan agreement.The main features of this loan is just the presence of collateral and additional actions related to its design.This makes this type of loan is less operational and more risky for you because if you can not pay off their debts to the bank, it is in full right away you previously mortgaged property.
But these features give this type of loan, and undoubtedly a huge plus, because the rate on such loans is very low compared to the other, at least one and a half times, except for the mortgage.
Many people who took a large sum, and in the long term think that money is secured is the most profitable option.
