Banks are willing to withdraw from troubled borrowers legal entities operating offices, shopping centers and business, but refuse to land, housing and unfinished projects. To quickly rid itself of little interest for mortgages, financial institutions are ready to provide their customers solid discounts, amounting to 50%.

banks have developed special working conditions of collateral clients, legal entities - deposits, operating businesses, real estate, transportation, equipment, goods.

“The most interesting asset is the operating business, which can generate a profit. It seemed, until recently, reliable and highly traditional collateral such as real estate and cars, have lost in value and, more importantly, liquidity. Meanwhile, the bank does not interest to accumulate their own, but seeks to convert these assets into cash “, - said chairman of the bank” National Credit Pavel Pashchenko.

from real estate which endures in the ow1000nership of enterprises, banks are willing to take for themselves only functioning commercial and office centers.

“Very well sold properly executed trading networks, and despite the discounts, the bank may enforce such pledge quite profitable. Offices are slightly worse, although there are companies that are looking for a such options and buy them. painful question - residential real estate legal entities . Transactions there is often murky, indirect, involving various kinds of assignment of ownership “- explains the Advisor to the Chairman of the Board of Ukrgasbank Alexander Okhrimenko. According to his observations, not bad for sale special machinery - dump trucks, excavators, bulldozers. But the price for light vehicles “off scale” and the borrower with the buyer, usually can not agree on mutually beneficial terms.

Such objects as small quarries, factories and other industrial enterprises, require finding a suitable buyer, so the process of selling and capacious long. However, recently in Western Ukraine was held resale is in the mortgage dairy factory, whose owner is unable to pay off debt. The Bank has helped to find a buyer, who paid the money in cash, and some take the form of the loan. But such examples are rare.

“If the pledge are manufacturing facilities, the bank is trying to find a compromise, to agree on installment - but would not seize the asset,” - says A. Okhrimenko.

Usually, banks do not advertise the deal on sale of collateral legal entities. According to AP Pashchenko, while sales of “quiet” has passed, and now all banks are interested in the disposition of assets at the lowest possible price and in minimum time, which could provide only market. Nevertheless, practice shows that the public become isolated seizure and sale. “Many banks at the request of customers or on its own initiative, do not advertise openly Communications implemented a pledge with the client. This is a positive impact on the reputation of the company”s clients, as late return of a loan does not mean the bankruptcy of the company,” - notes consulting partner “Dialogue-classic” Artem Novikov.

A recent example was the shopping center square “on the Blvd. Perov in Kiev, whose owner company “XXI Century” transferred control of the object “Universal Bank”. The procedure was carried out to restructure the debt of $ 60 million now pledged with the bank will not only this object (by the way, revenues from its activities will also go to the payment of bank debt), but the corporate law firm in Land Development, which owns land under TRC “Square” in Simferopol. The fate of the other loan companies, taken from “UkrSibbank” bail TC “Square” in Lukyanovka not yet been solved.

unfinished, and, moreover, the land is the biggest problem, because they are almost impossible to resell. Nevertheless, bankers admit that today there is no such assets from seizure of which they would refuse, if no other options to resolve the relationship of problem loans.

In most cases, banks still prefer the choicest collateral to sell initially “its” - staff, VIP-clients. This provides the greatest range of discounts and preferences. If no sale occurs, the object has to bring to market, where its price is significantly increased, because it is considered that further sale will take too much time and costs in the price of being laid for the future. However, the market can also have discounts, and their range is very wide. The highest offer in the region because there the most difficult to find a potential buyer for a large object - sometimes it only for the whole region. According to observations of P. Pashchenko, potential buyers want to get from t1000he bank discounts up to 50% of market value. A. Okhrimenko recalls the case when the discount has reached even higher marks.

“Initially, the object sold for 700 thousand UAH. and the final price was $ 300 thousand UAH with a little.” - Leads his example. And he adds that much of the discount depends on the legal propriety of the object - if the situation is complicated, there is a possibility of trials in the future, then the price will be very low.

Nevertheless, buyers for mortgages are legal entities. First of all, they are looking for businesses and business owners who sold assets before the crisis and we intend to invest the proceeds in substantially depreciating assets now. Another category of interest - companies that commit to purchase do not have enough equity. When they turn them into banks, it is increasingly offer lending: mortgage problem proposed new client at a sufficiently profitable for the latest conditions.

Thus, the bank changes the troubled borrower to secure, at the same time can provide a good discount. In addition, lending profitable for those who want today to get a loan in foreign currency. Recent changes in legislation granting foreign currency loans is forbidden, but the old contract can re-register for new customers to conservation payments in dollars or euros.

Natalia Tarasova

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