A mortgage loan is taken for acquisition real estate. Within provided- tion of the loan, the Bank pays all the accounts of a business entity. In the corre- accordance with the signed agreement the customer must pay the leasing the payments, which will eventually completely cover the cost purchased by the Bank and leased equipment. Here are some basic banking services. The decay of the feudal system, the development of cities, trade and reme- villages resulted in an increase of commodity-money transactions and generated Valo the need for intermediaries who can minimize the risks operations with money. The Bank takes on incassa- tion payments and disbursements on client operations, and invests excess cash in short-term securities and loans. For example, dividing the loan maturity is obviously fanciful. In this case, after the mortgage-credit relations of the seller immediately receives the money from the Bank, the buyer when- acquires all rights of the owner of the object of purchase that cast Menno mortgaged in the Bank. Each the creditor Bank uses its own method of evaluation cred- the ability of the borrower, which, as a rule, it is commercial ical mystery. The main types of collateral are surety guarantee, pledge, liability insurance for the borrower's outstanding loan. Upon expiration of the loan is extinguished, i.e. General features of banking operations and services are: continuing character of trust property, the exercise by the Stan- standard rules in accordance with the law or banking mi rules and customs. It establishes norms and the amount of deductions in personal funds of the Bank and the size of dividends on shares. They definitely are the founding documents, a card with samples of signatures and seal, balance. Loans were so- to favorable the fact that banks began to seek ways mobiles- the organization (attraction) additional funds.
The latter include: investment funds, trust companies, financial companies, etc. It establishes norms and the amount of deductions in personal funds of the Bank and the size of dividends on shares. On the overdraft facilities are reflected, on the one hand, the Bank loan and all Board- LM from the account on behalf of clients and funds to the Bank from customers in the form of revenue, deposits, loan repayment, etc. This mediation is carried out by redistributed- division of funds temporarily surplus to the process circulation of monetary funds of legal entities and cash income individuals. The essence of the loan is manifested in the accumulation of temporarily free funds of one person and transferring them for payment for temporary the use of another person.
3. In this function of the credit lies with motion de neg on the scheme: "savings — investment". Liquidity means the unconditional solvency Ho deistvuyushego of the subject and assumes a constant equality between assets and liabilities as on the total amount, and timing on- statements. Its liabilities commercial Bank meets all in- appropriate means and property which may be imposed a penalty. Guarantee means the guarantor's obligation to pay for guaranteed a certain amount upon the occurrence of a guarantee event. This mediation is carried out by redistributed- division of funds temporarily surplus to the process circulation of monetary funds of legal entities and cash income individuals. Issuance of guarantee for third parties providing IP- implementing the obligations in the monetary form. List the principles of activity of commercial Bank. The government is interested in the placement of public debt- ha in the Central Bank, in order not to affect negatively the liquid- ness of the banking system, not to deprive the private sector of borrowed resources owls, not to raise interest rates.
In case of loan default on time the borrower is charged interest (i.e., a fine nye sanctions), the size of which is determined in the loan agreement.
Wide Deaver- eficacia operations allows banks to retain customers and staying- Xia cost-effective even under very adverse market con- juncture.