Mene ne wani subordinated rance?

Definition: Subordinated bashin - shi ne na musamman irin na rance, a cikin abin da da banki kungiyar, wanda ya bude a Rasha ba daga baya fiye da shekaru biyar da suka wuce, don jawo hankalin] e da babban bankin ga aiwatar da ayyukanta na tsawon wucewa shekaru biyar. Feature wannan rance ne mai ƙayyadadden ajali percentages cewa ba su canja a lokacin ajalin da kwangila da kuma ba ya wuce da kudi na refinancing.

Yawanci, da subordinated rance ne ya biya guda biya bayan da karewa na da cikakken bashi kamar yadda aka saita fito a cikin kwangila, amma banda ta zama halin da ake ciki inda da banki-borrower aka tilasta gaba daya dakatar da ayyukan, da suka fara a tsiyacewa hanya. A wannan yanayin, da mai ba da bashi bayarwa subordinated rance iya ba ya bukatar daga wanda arzikinsa ya karye banki aron su kudi har irin wannan lokaci kamar yadda zai zama cikakken gamsu da kudi da bukatun dukkan sauran bashi.

Features: Domestic banki samun subordinated rance iya cikakken hade bashi albarkatun ta hanyar da ƙarin babban birnin kasar na tsawon shekaru biyar, idan kwangila da aka sanya hannu tare da Babban Bankin na tsawon lokaci. Idan kasa da shekaru biyar kafin ya bar karshe biyan bashin da rance, rance da borrower iya amfani da kudi domin kara ãdalci kawai tare da hane-hane. Kuma a cikin akwati inda rance adadin ne fiye da 50% na birnin kudi ma'aikata, irin wannan rance kamata a yi la'akari da tashe kudi.

Sharuddan: A halin yanzu, da subordinated rance ne ba a kan tushen da mutum kwangila, da babban alama wanda ya zama kasancewar wani musamman abu da cewa rance da kuma amfani zo a guje banki-borrower ba zai iya biya gaba da jadawali ba tare da sun samu izni daga Central Bank. Kamar yadda mai ba da bashi Central Bank of Rasha iya žare kammala rance yarjejeniyar bayan da yarjejeniyar tare da borrower na irin ayyukan, ko kawo a cikin wani aiki da wani canje-canje ga kwangila.

A karkashin halin yanzu dokar, Bankin-borrower iya samu a subordinated rance idan wadannan yanayi ne lokaci guda gamsu. Saboda haka, biya lokaci dole wuce shekara biyar lokaci, da yanayi na bayar da bashi shaidu ba za a iya canza ba tare da kafin amincewa da Babban Bankin na Rasha Federation, kuma ba a halatta biya wani farkon kashi na aro ko cikakken jiki na aro, ko sha'awa a kan shi ya gudu. Amma ta yi da sha'awa kudi wajabta a cikin yanayi na bayar da rance, da kuma a cikin yarjejeniyar tsakanin mai ba da bashi da kuma banki-borrower nuna rashin iyawa don kammala ta review na crediting lokaci.

Yawancin lokaci a subordinated rance bayar da kamar wannan yanayi kamar yadda sauran rance, da kuma amfani rates a kan iri-iri na aro ne kusan dace da talakawan kudi na riba a kan irin wannan rance shirye-shirye. Kuma idan banki, da borrower ne a Jihar fatarar, da borrower za su iya samun su kudi bayan fatarar zai gamsar da sauran bashi.

Tarihi: A 2008-2009, a lokacin da m lokaci na rikicin kudi na subordinated rance ana amfani da su kula da zaman lafiyar na Rasha banki tsarin. Da muhimmancin da kayyadewa ba a yi idan Central Bank da kuma Vnesheconombank bayar ruble rance ga wasu Rasha bashi cibiyoyin. A farko wannan rance samu da aikin gona Bank da kuma VTB, saboda matakin aiki ne quite m tare da m rating bukatun, da kuma babban birnin kasar data bankunan karu da gudunmawar daga wasu kamfanoni da kuma masu hannun jeri.