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What will happen to the loans, deposits , depositors and borrowers, after elimination Bank? Possible scenarios learned " Prostobank Consulting ." Liquidation of the bank are two laws governing. First, it is valid, we in the country with respect to all bankrupts the Law "On restoring solvency insolvent or bankrupt, its recognition. " Secondly, it is "Narrow" Law "On Banks and Banking", in addition, there are regulations regulator. Liquidation itself generally can last for several years and proceeds as follows. If the interim administration, which was introduced the bank was unable to establish the normal operation of the institution or find an investor, and the bank has no chance of survival, the National Bank of Ukraine begins to eliminate previously revoked the license of the bank. That understand the situation with the borrowers and depositors of the liquidated bank, consider the the very mechanism by which the payment occurs after the liquidation. Liquidation Commission implements the bank's assets (for example, sells its loan portfolio or premises owned by the bank, ATMs, and simply seized collateral estate agencies, etc.), and the resulting amount, called the liquidation mass consumed by debts of the bank in a certain order. In the first place in the priority of wage and miscellaneous expenses of liquidators to eliminate institutions, as well as taxes and obligations to the state budget. Then, according to the law the turn of arrears of salary for employees Bank. And just after the turn of the depositors. Least fortunate to natural persons, the payments have been blocked - they last in the queue. In addition, if the funds for any group runs out - then so be it. Other creditors will be left without money. So it turns out that only if the borrowers of the bank will repay the loan properly, or if if the liquidator will be able to sell loans to the bank, its creditors receive their funds. Thus, borrowers and depositors of the bank are closely related among themselves, as those who owes the bank, and those who need bank. And without having to commitments first, bank, or rather what was left of it, can not perform obligations of the latter. True, those who have in the bank is not the sum of more than 150 thousand hryvnia, bank payments are not needed - it will Guarantee Fund deposits of natural persons. Word of the depositors and the current Term deposits together with interest accrued to the date of the decision to liquidate the bank, can be obtained from the Fund for Guaranteeing Deposits of physical persons. Contributions to any foreign currency shall be paid in UAH according to NBU rate on the day of appointment liquidator of the institution. Neither the entrepreneurs nor the investors in precious metals deposits, Unfortunately, under the terms of the Fund will not receive compensation. Those who in one failed bank deposits some may receive payments for each of them - but no more than the total amount of 150 thousand hryvnia. Payment is as follows. Within 20 days from the date of appointment liquidator, the Commission prepares a list of depositors and feeds them in FGVFL. The Foundation in turn pays a guaranteed amount of compensation deposit within three months from the date of appointment of a liquidator of the bank. To do this, he reports in the media order payments, the beginning and duration of payments (from several months to six months) and the name of the agent banks, via which payments are made. To get the money you just passport and an identification code - the rest of the necessary information contained in the lists. You can also get a contribution to the power of attorney, certified notary public, or by presenting evidence of inheritance. If you too late for compensation to the Agent Bank FGVFL, then the next three years will appeal directly to the Fund by writing free-form application and attach copy of passport and identification number. For those who have in the bank lodged the sum is greater than the guaranteed 150 000 hryvnia, the chances of a the rest of the money is. To do so, within a month to go a statement by the liquidator of the bank, which should enable the borrower to the list creditor agency. Who was late for a good reason and this has documentary evidence - may appear in the list only by the court. True, you can receive your funds will be only if the liquidator still have any money after paying more nimble lenders. Finally we recall that the payment can only rely contributors banks active members FGVFL them today at 180. In late May, "Odessa-Bank" (Odessa), and "Financial Union Bank" (Dnepropetrovsk) to regain their membership, therefore, among the banks were only temporary participants "Nadra", Ukrprombank and "National Credit." In the event of liquidation of these banks-time members, receive compensation for only those depositors who have opened a deposit before the bank was transferred to this status. For "Nadra" and "National Loan" is 02.03.2009, and for Ukrprombank - 20.03.2009. Word of the borrowers Schedules borrowers in the same way as the lists of contributors, prepares liquidator. He and "engaged in" debt, at least at first. Here want to answer the key question for borrowers bankrupt Bank. No, the liquidation of the bank does not mean the elimination of credit. Consider all possible scenarios in detail. The first option, the probable, and binding on the logic - is the work of liquidation committee to collect all possible to raise funds. Therefore, theoretically, the liquidator may demand early repayment of the loan. Or pay it, for example, within six months. In addition, he is entitled by law in case of problems repayment of loan to go to court. The second scenario - Though unlikely in the liquidity crisis - is the sale of credit portfolio to another institution. Then the borrower will have to pay just debt on the loan in the same mode as before, but the new creditor. Theoretically, conditions on the credit for it should not change, though, it all depends on the contract, contributor who signed with the first bank. If it provides for the right changes, the new bank could take advantage of it. True, the Civil The Code has not been canceled, so it is unlikely that it was, for example, of interest rate rises. Any hopes that the credit effective borrower's written off as bad debt, are naive. First, penalties in case of defaults on the loan has not been canceled. Second, before the withdrawal of "hopeless" you as the borrower will have to pass more than once through executive service and the courts, and if the decision is in favor of the bank, it may be possible to answer all the necessary liquid assets. A bank employees usually do not get tired from grief over the years to seek payment of its borrowing debt. But even if you can successfully "pass" all of the above, in the end, your "debt" will always be with you - the credit bureau. In any case - we advise you not to stop paying on the loan, even if you heard the news that the commencement of the liquidation of your institutions. But for investors it is important not to miss the deadlines to apply for compensation in the agent bank or deadlines for applications in the future, spend less forces for their savings.
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Cad a tharlóidh do na hiasachtaí , taiscí , taisceoirí agus iasachtaithe , tar éis deireadh a chur le Banc ? Cásanna is féidir d'fhoghlaim " Prostobank Consulting . " Tá Leachtú an bhainc dá dlíthe a rialaíonn. Gcéad dul síos, tá sé bailí, ní mór dúinn sa tír maidir le fhéimhigh go léir an Dlí "Ar ais sócmhainneachta dócmhainneach nó féimheach, an aitheantais sin. " Dara dul síos, tá sé "Caol" Dlí "Ar Bainc agus Baincéireachta", ina theannta sin, tá rialacháin rialtóir. Leachtú féin go ginearálta is féidir go deireanach ar feadh roinnt blianta agus fáltais mar seo a leanas. Má tá an riarachán dá linn, a tugadh isteach an banc in ann a bhunú d'oibriú na hinstitiúide nó an gnáth-infheisteoir a fháil, agus tá an banc aon seans marthanais, tosaíonn an Banc Náisiúnta na hÚcráine chun deireadh a chúlghairm roimhe sin an ceadúnas an bhainc. Go tuiscint a fháil ar an staid leis an iasachtaithe agus taisceoirí an bhainc leachtaithe, mheas an an mheicníocht an-trí ina bhfuil an íocaíocht tar éis an leachtú. Leachtú Coimisiún i bhfeidhm an bhainc shócmhainní (mar shampla Díolann, a phunann iasachta nó áitreabh atá ar úinéireacht ag an mbanc, ATM, agus comhthaobhachta ach gabhadh gníomhaireachtaí eastáit, etc), agus an méid mar thoradh air, ar a dtugtar an leachtú mais gcaitheamh ag fiacha de chuid an bhainc in ord áirithe. Sa chéad ar siúl sa tosaíochta caiteachais pá agus ilghnéitheach leachtaitheoirí chun deireadh a chur institiúidí, chomh maith le cánacha agus na hoibleagáidí maidir le buiséad stáit. Ansin, de réir an dlí an cas de riaráistí tuarastail le haghaidh fostaithe Bhainc. Agus díreach tar éis an cas de na taisceoirí. Lú t-ádh le daoine nádúrtha, na híocaíochtaí a bheith bac - deireanach acu sa scuaine. Ina theannta sin, má ritheann na cistí d'aon ghrúpa amach - ansin a bheith amhlaidh é. Beidh Creidiúnaithe eile a fhágáil gan airgead. Mar sin, tharlaíonn sé go raibh ach más rud é Beidh na n-iasachtaithe an bhainc aisíoc leis an iasacht i gceart, nó má má tá an leachtaitheoir a bheith in ann iasachtaí a dhíol leis an banc, a chreidiúnaithe gcuid cistí a fháil. Dá bhrí sin, iasachtaithe agus taisceoirí an bhainc a bhaineann go dlúth eatarthu féin, mar iad siúd a dhlíonn an banc, agus iad siúd a bhfuil gá acu bainc. Agus gan a bheith Ní féidir le tiomantais an chéad, bainc, nó in áit a bhí fágtha cad é, a chomhlíonadh oibleagáidí de chuid an dara ceann. True, nach iad siúd a bhfuil sa bhanc suim nach mó ná 150,000 Hryvnia, íocaíochtaí bainc ag teastáil - beidh sé Ciste Ráthaíochta taiscí daoine nádúrtha. Focal an thaisceoirí agus na taiscí Téarma reatha mar aon le hús fabhraithe go dtí dáta an chinnidh chun leachtú an mbanc, Is féidir a fháil ón gCiste do ráthú Taiscí daoine fisiceacha. Ranníocaíochtaí le Déanfar aon airgead reatha coigríche a íoc i UAH de réir ráta NBU ar an lá a ceapadh leachtaitheoir na hinstitiúide. Níl an fiontraithe ná na n-infheisteoirí i dtaiscí miotail lómhara, Ar an drochuair, ní bheidh faoi théarmaí an Chiste cúiteamh a fháil. Iad siúd a i gceann theip dtaiscí bainc d'fhéadfadh roinnt íocaíochtaí a fháil do gach ceann acu - ach nach mó ná an méid iomlán 150,000 Hryvnia. Tá íocaíocht mar seo a leanas. Laistigh de 20 lá ó dháta an cheapacháin leachtaitheoir, ullmhaíonn an Coimisiún liosta de na taisceoirí agus Fothaí iad a i FGVFL. Íocann an Foras a seal méid an chúitimh ráthaithe thaisceadh laistigh de thrí mhí ó dháta an leachtaitheoir a cheapadh de chuid an bhainc. Chun seo a dhéanamh, tuarascálacha sé san ordú i dtaobh íocaíochtaí meáin, an tús agus fad na íocaíochtaí (ó roinnt míonna go sé mhí) agus ainm an ghníomhaire bainc, trí a híocaíochtaí. Chun a fháil ar an t-airgead go díreach leat pas agus cód aitheantais - an chuid eile den fhaisnéis is gá atá sna liostaí. Is féidir leat freisin chun cur leis an chumhacht aturnae, deimhnithe nótaire poiblí, nó a chur i láthair fianaise ar oidhreacht. Má tá tú ró-dhéanach ar chúiteamh chuig an mBanc Gníomhaire FGVFL, beidh ansin na trí bliana atá romhainn achomharc a dhéanamh go díreach chuig an gCiste trí scríobh saor-fhoirm iarratais agus na ceangail cóip den phas agus uimhir aitheantais. Dóibh siúd a bhfuil sa bhanc thaisceadh go bhfuil an tsuim níos mó ná an ráthaithe 150 000 Hryvnia, an seans ar tá an chuid eile den airgead. Chun é sin a dhéanamh, laistigh de mhí chun dul ráiteas an leachtaitheoir an bhainc, ba chóir an t-iasachtaí ar chumas an liosta gníomhaireachta creidiúnaí. Cé a bhí déanach ar chúis mhaith, agus tá sé seo fianaise dhoiciméadach - is féidir le feiceáil ar an liosta ach amháin ag an cúirte. True, is féidir leat a fháil a bheidh do chistí ach amháin má tá an leachtaitheoir fós go bhfuil aon airgead a íoc tar éis níos mó iasachtóirí Fhomhair. Ar deireadh, chun cuimhne againn gur féidir an íocaíocht ag brath ach ranníocóirí bainc baill ghníomhacha FGVFL dóibh inniu ag 180. I mí na Bealtaine déanach, "Odessa-Banc" (Odessa), agus "Banc Aontas Airgeadais" (Dnepropetrovsk) agus faigh ar ais a gcomhaltas, dá bhrí sin, i measc na bainc raibh ach rannpháirtithe sealadach "Nadra", Ukrprombank agus "Creidmheasa Náisiúnta." I gcás a leachtaithe de na comhaltaí bainc-am, cúiteamh a fháil ach na taisceoirí a bhfuil oscail éarlais roimh Aistríodh an banc a ghabhann leis an stádas. Do "Nadra" agus "Iasacht Náisiúnta" Tá 2009/02/03, agus le haghaidh Ukrprombank - 2009/03/20. Focal an iasachtaithe Iasachtaithe Sceidil ar an mbealach céanna le liostaí de na rannpháirtithe, ullmhaíonn leachtaitheoir. Sé agus "i mbun" fiach, ar a laghad ar dtús. Anseo ag iarraidh an cheist a fhreagairt eochair do fhéimheach iasachtaithe Bhainc. Ní gá, níl an leachtú an bhainc chiallaíonn deireadh a chur le creidmheasa. Smaoinigh ar gach cásanna is féidir go mion. An chéad rogha, an Tá obair an choiste leachtaithe - is dócha, agus ina ceangal ar an loighic a bhailiú go léir is féidir chun cistí a ardú. Dá bhrí sin, go teoiriciúil, an leachtaitheoir Is féidir go luath ar an éileamh aisíoc na hiasachta. Nó é a íoc, mar shampla, laistigh de shé mhí. Ina theannta sin, tá sé i dteideal de réir dlí i gcás fadhbanna aisíoc iasachta dul chun cúirte. An dara cás Is é a dhíol creidmheasa - - Cé nach dócha sa ghéarchéim leachtachta phunann chuig institiúid eile. Ansin, beidh an iasachtaí a íoc díreach fiach ar an iasacht ar an modh céanna os comhair, ach an creidiúnaí nua. Teoiriciúil, Níor chóir coinníollacha ar an gcreidmheas chun é a athrú, áfach, braitheann sé ar fad ar an conradh, ranníocóir a síníodh leis an mbanc ar dtús. Má sholáthraíonn sí don cheart athruithe, d'fhéadfadh an banc nua buntáiste a bhaint as é. True, na Státseirbhíse Níor chuir an Cód curtha ar ceal, agus mar sin ní dócha go raibh sé, mar shampla, d'arduithe rátaí úis. Aon súil go éifeachtach creidmheasa iasachtaí a dhíscríobh de réir mar droch-fhiacha, tá naive. Gcéad dul síos, nach mbeidh pionóis i gcás mainneachtainí ar an iasacht curtha ar ceal. Dara, sula mbeidh a tharraingt siar "hopeless" tú ar mar atá an t-iasachtaí a pas a fháil níos mó ná uair amháin trí sheirbhís feidhmiúcháin agus na cúirteanna, agus má tá an cinneadh i bhfabhar an bhainc, d'fhéadfadh go mbeadh sé indéanta freagra na sócmhainní go léir is gá a leacht. Banc fostaithe ghnáth ní féidir a fháil tuirseach ó bhrón thar na blianta a lorg íocaíocht a fháil ar iasacht fiach. Ach fiú más féidir leat go rathúil "pas" gach ceann de na thuas, sa deireadh, beidh do "fiach" a bheith i gcónaí in éineacht leat - an biúró creidmheasa. In aon chás - comhairle a chur orainn nach bhfuil tú chun stop a íoc ar an iasacht, fiú má chuala tú an nuacht go thosach feidhme an leachtú de do institiúidí. Ach d'infheisteoirí tá sé tábhachtach nach bhfuil a chailleann na spriocdhátaí chun iarratas ar chúiteamh sa bhanc gníomhaire nó spriocdhátaí d'iarratais sa todhchaí, chaitheamh níos lú fórsaí ar a n-coigiltis.