Loan against pledge of paintings

[тандем]

Сообщение от K-Maler; 2186521"

before launching a " pawn " it is necessary to formally prescribe rules and participants ...

One of the main differences from the bank the pawnbroker is that interest rates in the pawn shops are actually barrage , as reducing the likelihood of repurchase, the owner of the donated items on bail. In general, the pawnshop - But this is also music from other operas.

[sergejnowo]

Сообщение от Konstantin

mortgage finance pictures

Let this case, a utopia.

If the West is /are single cases, they are lending to the regular process have nothing to do.

[artcol]

Сообщение от sergejnowo

empty this case , a utopia.
If the West is /are single cases , they are lending to the regular process have nothing to do .

Why is a utopia , if things are really marketable as collateral will be? There is a 100%liquid iron things - there is Rembrandt or Van Gogh is the same ...

Basically, there is an ambush in the fact that corrupt officials will issue credits for any bullshit , and if the real masterpieces - then why not?

[sergejnowo]

Сообщение от artcol; 2187681"

there is an ambush

Ambush in the wrong ...
In contrast to the pawnshop, the bank asks, why do you need money?
Real Estate?
No problem, as a pledge of her, actually in Germany mortgages 2.8 - 3.2%.
The car?
No problem, as a pledge of her, actually in Germany, banks in neutral 5 - 7%. The "road" Banks 0.00 - 6%.
At the same time carefully calculated the presence of regular free money at the rate of the feasibility of repayment.
If you ask for a loan TO - Council of Europe, it will also, but not much as 10,000 - 20,000 tysch and under 7 - 12%.

And by the business to take credit at all pipe, or a house mortgage, or a life insurance substitute.

At the regular credit ends.

If a person brings a Rembrandt and asks for money for the TO-CE, then it simply from everyday logic would say, my brother did not go as you would at an auction ....
Such a move - Rembrandt + TO-CE, it is not logical for the bank. And for the pawnshop logical.
The logic of the bank to denyushki with interest, under the maximum and minimum risk.

Сообщение от artcol; 2187681"

corrupt officials will issue credits for any shit

It is not without sin, but now, even a loan of 20,000 - 30,000 Euros with a full guarantee, is a "vertical" reconciliation process ...... I have personal experience.

[artcol]

Сообщение от sergejnowo

Such a move - Rembrandt + TO- CE , it is not logical for the bank . And for the pawnshop logical.
The logic of the bank to denyushki with interest , under the maximum and minimum risk.

Oh, we have your problem ... um , sorry, rates <! - ~ 7 ~ -> But we live in Russia ... Then from 12%mortgages . Plus there is the so-called investment banks, they are just under a sharpened ( not a standardized service).

PS But Deutsche Bank , known for its pioneering investments in the field of art - it does not give the security of Van Gogh's credit?

[Santa]

Bank "New Symbol" has long said such a credit program.
However, the technology (two years ago) has not been properly worked out.
Perhaps, today, something changed. <! - ~ 9 ~ ->

 Storage and sales of works of art

Throughout the world, works of art for a long time already are not only artistic value but also an attractive target for capital investment - how to save it, and with a view to its multiplication. In recent years, Russia is firmly delineated a similar trend - the domestic art market is speculative and allows exchange earnings, with revenues comparable to the stock markets and real estate. However, given that the infrastructure of the art market just yet born, and the objects it is extremely undervalued, prospects for financial transactions with such an instrument as feature values ​​can be considered very attractive.

In line with this approach, the Bank, "New Symbol" has developed in association with the leading Russian insurance companies and expert invites all interested parties a comprehensive infrastructure project "Storage and sales of works of art," which reproduces the world experience the service and financial services to the art market: examination of the authenticity of , estimate the cost of insurance, safety, insurance, authentication, storage, transportation and maintenance deals with works of art.

http://www.newsymbol.ru/company/works-of-art/

[тандем]

Сообщение от Santa; 2187891"

bank "New Symbol" for a long time ...... reproduces the world experience the service and financial services to the art market : the expertise of authenticity, valuation , insurance, safety , insurance, authentication, storage, transportation and maintenance deals with the works of art.

On loans secured by works of art or words.
The authorized capital of the bank provided for you .... 440 000 rubles .
And laugh or cry ...
To request sravneniya.Soglasno Nats.Banka Ukraine minimum authorized capital at the time of registration of a bank can not be less than :

    for the local cooperative banks - EUR 1 million ;
    for commercial banks that operate in one area - 3 million euros ;
    for banks operating on the territory of Ukraine , - EUR 5 million .

[Elek]

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.

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? ..

[Dogel]

Bank "Saint Petersburg" and the Russian
Auction House (EDA) signed
agreement on the implementation of the program
loans for the purchase of any
Lots glad, including real estate,
equipment, antiques and packages
shares.
Bank is willing to lend 10
million rubles. constituting up to 70%
lots. The program is designed to solve
business problems with separation
project financing until
all permits. As a result, the bank agreed
expects to increase its customer base and RAD - to increase the volume of trade.
The decision to grant the loan can be taken within two weeks,
said Chairman of the Board of JSC "Bank" Saint Petersburg "Alexander
Saveliev.
"In any case, the exposure of two months is enough to pass
approval process in the Bank "Saint Petersburg", - said
General Manager RAD Andrey Stepanenko.
The potential volume of lending under the new program - dozens
billion rubles, said Andrey Stepanenko. Now Rudd
announced tenders for 144 lots worth 29.5 billion rubles, of which
about 100 - large. To enter the auction is preparing another 150 lots,
also explained the head of the auction house.
According to Alexander Savelyev, the first such credit
program in Russia, and it is aimed primarily at the North-West. In this case,
Andrey Stepanenko said that the agreement is not exclusive, and RAD
willing to cooperate in this area with other banks, but to
So far, none of them are willing to. So far
the number of transactions at auctions with the use of credits
could be counted on the fingers, said Mr. Stepanenko.
But the head of the Bank "Saint Petersburg" in the potential benefits of the new
loan program has no doubt.
"With practice, we have never had a problem after we
carried out such funding - said Mr. Saveliev. -
This program must be effective. "
Rumors about the imminent resignation as CEO of the Property Fund
Mr. Stepanenko indirectly confirmed, saying that they have the solution
accepted, but no more specific information call did not.

[Elek]

Сообщение от Dogel

Bank "Saint Petersburg " and the Russian
Auction House (EDA ) signed
agreement on the implementation of the program
loans for the purchase of any
Lots glad, including real estate,
equipment, antiques and packages
shares .

This is one example of "consumer " loans and not lending against ( existing ) property. A few different things in my opinion.