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Сообщение от Konstantin
Recently, once again spoke with a representative of the bank on loans secured paintings. Bankers are interested in formalizing the process, there are institutions of examination and evaluation. And the main thing - the realization, in the case of not returning the loan.
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I think there is another aspect: both movable and immovable property in the capture of credit on his pledge formally become the property of the bank. Favorite banks housing, cars, yachts, usually registered with the state authorities and without the permission of the bank to change the owner and "be taken," they can not. The process worked out and understood. In the case of works of art - no. Who prevents, with timely payments on the loan, sell the pledged "Munch" in private and move somewhere warmer climes without "dip.otnosheny" to the country, where the lending bank. Even if the bank will be forced to build a picture of the chips with transmitters GPS - there is not some global registry and mandatory registration of all transactions for its works of art (which is a utopia), the process can only have a very, very limited distribution, as it is certainly the place to be
as an exception with collections of rare wines, gold and diamonds. In this case, the movement of Product of art inevitably be deposited in the bank, that is the essence of
pawn shop. Perhaps this version of bankers and interests: delivery, assessment, valuation, assessment of investment risk in the period of the loan and putting a selected object in a bank vault without permission.
It is hard to understand them, the bankers - to issue a loan at any interest-nibud "the Facebook" and other derivatives - no problem, but under the picture - what is it? ..