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In the new Regulation on 01.01.2017, the concept of reconfiguration in the new Regulation, the concept of restructuring was described in more detail in detail, while these receivables will receive dull and remove the duration of staying in close monitoring.
In the new Regulation, “Reconfiguration” is defined as the privileges that are not recognized to a borrower that is recognized in the borrower due to the financial difficulties that are likely to encounter or encounter the loan debtor (new regulation MD. 7).
The privileges to the borrower are in favor of the owed owed that cannot fulfill their obligations due to financial difficulty;
b) In the new contract in the reconfiguration, the restructuring history has more advantageous conditions to other borrowers with similar risk profile.
Loans used to the real and legal persons in the risk group in which the bank is included in the new Regulation can be configured in the New Regulation as it was formerly not rein financing.
a) Although credit is not monitored as dull receivables, it is likely that there is a delay over 30 days in the entire period of 30 days or if the restructure does not take over 30 days in the reproduction of the principal and / or interest in the preconfiguration prior to the restructuring.
b) By using a new long term installment loans by the bank to use a newly used credit to the principal and / or interest payment to pay 30 days up to 30 days.
c) The principal and / or interest payments are delayed for 30 days or in the case of debt that is likely to be delayed for 30 days in the case of delay in the payment of up to 30 days, and the implementation of a provision to be recognized in the loan agreement.
The above provisions will start in 2017 show that the companies that are approaching 30 days in the payment of banks are more closely followed. However, the new Regulation has not been stated which group of receivables considered restructured in the above framework. It is considered that the new regulation should be classified under the second group under the statement of the statement in Article 7/6.
If the new regulation is a restructured dull according to Article 5 of the 7th Article 5, it can be classified as a reconfigured receivable under the second group if all of the following conditions are provided:
b) Monitoring as dull receivables for at least 1 year after reconfiguration (monitoring period was 6 months as dull in old application),
c) As of the date of reconfiguration, there is no delay in principal and / or interest payments in the second group, and there is no doubt of any delay in the timely conduct of future payments,
ç) The condition of delayed payments and / or deleted principal amounts of delayed payments on the loan subject to reconfiguration (15% of the total receivable amount had been charged in the former application).
On the other hand, after the period of Article 4 of the New Regulation is reconstructed according to sub-Bend of Article 5 (c) as closely monitoring as close monitoring and in the 1-year monitoring period within 1 year monitoring period is delayed over 30 days or within this monitoring period. Times are required to be monitored between 3 third group loans (dull receivables) of the receivables that are subject to reconstructive.
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