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Lending veterinary business

For the entrepreneurial activity in veterinary experts there is a need in obtaining credit.

Before you get a bank loan to veterinary entrepreneur must draw up a business plan and a set amount of money needed to conduct business. Next you need to determine exactly what will be spent and how the borrowed funds will affect the credit received on the financial position of an economic entity.

It is important to know the risks and the possibility of their avoidance. It is also necessary to determine how the loan will be repaid.

Currently, in the Republic of Kazakhstan has a 4-tier credit system, which is represented by banks, mainly second-tier microcredit institutions offering loans through its capital grants and contributions program participants for veterinary entrepreneurs engaged in small business organizations engaged in certain banking services (pawnshops, mortgage companies, financial leasing, and others.) and credit partnerships.

For lending banks executed the following types of contracts:

- The contract of bank loans;

- Bank loan agreement;

- The contract of bank kredita;

- The credit agreement.

The bank lending lender is a bank or other legal entity, imeyuschee license of the National Bank of Kazakhstan for pre-representation of loans in cash (credit unions, mortgage companies, and others.).

The Bank provides loans in the form of the following operations:

- Debt incurred in obtaining the money and the obligation to return them to the contractual period;

- Leasing, in which the bank commissioned by the lessee acquires the equipment and deliver it to him in the equipment rental;

- Factoring related to the acquisition of customers rights to debt collection and credit to the customer's debt repayment;

- Forteytingovye, according to which the bank buys the exporter (seller) the obligation of the importer (buyer) to pay for the goods they bought immediately after delivery, and he makes early payment value of the goods to the exporter. For the early payment of bank charges the exporter's interest rate;

- Consideration of the bill - a form of bank lending drawer by his early payment specified in the bill amount, minus the bank fee.

The mechanism of obtaining loans from banks of the second level can be used as a novice and current veterinary businesses.

The loan provided by the bank on the basis of the loan agreement.

Bank loan agreement contains the following sections:

- The purpose of the loan;

- The total amount of credit;

- The currency of the loan;

- The maturity of the loan;

- Method of repayment;

- Provision (type, amount);

- The size of interest rates;

- The types and terms of reporting on the intended use, submitted by the borrower to the bank.

Banks provide long- and medium-term loans, designed for more than 1 year, and short-term granted for up to 1 year.

It should be noted that the subjects of the veterinary business is mainly used short-term and medium-term loans.



Currently, second-tier banks for small and medium-sized enterprises are provided a variety of programs of concessional lending, which include foreign loans under the credit lines of the European development banks and the World.

For veterinary entrepreneur loan, the bank accounts for the purpose of financing, the degree of risk, market conditions, interest rates, credit maturity, liquidity provision.

A prerequisite of importance for the bank is to guarantee repayment of the loan allocated. For these purposes, the bank applied liquid collateral, which should cover the entire cost of the loan with accrued interest.

Banks may use the following types of collateral:

- Pledge of property (real estate entrepreneur veterinarian, veterinary products, vehicles);

- Funds on deposit;

- Land use right;

- The guarantee of legal persons with a high rating.

For credit veterinary entrepreneur should prepare the following documents:

- Application for a loan;

- business plan;

- License to practice veterinary activities provided for by Article. 29 of the Law of the Republic of Kazakhstan "On licensing";

- Business contracts, agreements on joint activities;

- Documents of title to the mortgaged property (veterinary clinic, industrial enterprises and other.);

- Certificate of the tax authority on the absence or presence of current arrears to the budget and off-budget funds at the time of treatment to the bank;

- Warranty (guarantee).

The term of consideration of documents - 5 - 15 days.

If the bank makes a positive decision on granting a loan veterinary entrepreneur opens a current account in the bank, and then prepares the following documents:

- Application for a loan;

- Copies of the charter and the foundation agreement, notarized;

- A copy of the certificate of state registration, notarized, and TIN;

- Certificate from the servicing bank on presence (absence) of outstanding loans, filing number 2 to the current account (issued by the bank, which has a current account);


Date: 2016-01-03; view: 901


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