- Handling of collateral, guarantor debt collectors
for bad loans but can not restructure the debt, the customer does not have the ability to improve the financial situation, to repay overdue ... the banks need to actively handle the loan collateral, including real estate through the following forms:
• direct commercial banks to sell assets to the buyer.
• the guarantee directly sell the property to the buyer.
• selling through auction organizers.
• primary banks received collateral so that instead of being guaranteed. The decision to replace the property received must comply with the procedures of banks that buy assets.
• Commercial banks could receive money or property from third parties when mortgage debt claims, the party has obligations assets relating to guarantees or insurance company in the case of beneficiary right mortgage life insurance. Meanwhile, still have to compromise and to have a written commitment of the guarantor of the right to recourse to the guarantor if not collected or not enough from a third party by reason or another.
This measure is not usually expect wanted for the sale of the security property, the guarantor debt collectors are often quite complex and many procedures, time-consuming, the ability to obtain full debt is not high, but banks are still required to take to collect capital recovery. This is one of the capital recovery solution most effective way for the banks, especially the debt by legal basis is inadequate, bank fraud customers ...
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