Что такое банковский аккредитив?

Автор: admin  //  Рубрики: Азбука недвижимости

Банковский аккредитив

Что такое банковский аккредитив?

В  последнее  время  увеличилось  количество  сделок с объектами недвижимости,  по  которым  расчет между продавцами  и  покупателями  происходит  через  банковский   аккредитив.

Смысл данной   схемы расчета состоит  в том, что покупатель квартиры или дома открывает на себя в банке, где предположительно будут проходить взаиморасчеты,  рублевый  или  валютный счет.

Все средства, находящиеся на нем, блокируют до  того момента, когда будут  получены  оговоренные документы.  Такими могут быть, например, государственные свидетельства о регистрации, документы о снятии с регистрационного учета и т.д.

После предъявления бумаг, средства переводятся на заблаговременно открытый счет продавца недвижимости. При этом банки,  как правило,   сами   решают   вопросы   конвертации денег,   если   таковая  необходима, и выдачи наличных сумм.

Расчеты посредством банковского аккредитива обеспечивают обеим сторонам сделки твердую уверенность в том, что все оговоренные условия сделки купли-продажи будут выполнены.

А Банк в этом случае играет роль гаранта в проведении сделки как  для Покупателя объекта недвижимости (его деньги переходят к  Продавцу лишь после проведения  им ряда необходимых процедур), так и  для Продавца (данный вид расчетов гарантирует своевременный платеж за его бывшую собственность).

Вся операция расчетов при совершении сделки с объектом недвижимого имущества делается независимой от «человеческого фактора».

Еще раз подчеркнем достоинства аккредитивной формы взаиморасчетов:

•        Надежность: выбранный Вами Банк контролирует подлинность денежных купюр; выдает гарантийные документы, удостоверяющие  перевод средств;  оповещает Продавца о депонировании  денег  на его  имя,  и передает ему список необходимых документов, по которым Банк гарантирует ему выдачу денег;

•        Безопасность:  предоставление возможности  не проводить операций с  большими  наличными денежными суммами. Участники сделки, таким образом, избавлены от передвижений  по городу с «чемоданом» денег. Также это очень удобно, если кто-то из них осуществляет переезд из одного города в другой;

Банковский аккредитив-1

•        Гарантия: полная законность платежей, официальное подтверждение стоимости сделки купли-продажи и сам факт 100 процентной оплаты;

•        Выгодность: очевидная заинтересованность со стороны Продавца недвижимого имущества в своевременном выполнении послепродажных договоренностей.

Расчеты при покупке квартиры 

При этом сама схема расчета с применением аккредитива довольно проста:

1. Участники сделки  открывают счет в выбранном ими Банке.

2. Покупатель недвижимого имущества подает в Банк заявление на открытие аккредитива и кладет на него деньги.

3.  Банк   осуществляет перевод   средств  на аккредитивный счет в пользу нынешнего владельца недвижимости в сумме, достаточной  для расчетов по сделке.

4. Продавец извещается Банком об открытии аккредитива с указанием номера счета и денежной суммы, которая депонирована на его имя. В этом извещении четко указан необходимый перечень документов, для гарантированного получения денег Продавцом.

Обычно, это зарегистрированный договор купли-продажи недвижимого имущества и (или) подлинник выписки из ЕГРП, хотя допустимы и другие условия. После предоставления  Продавцом документов, сотрудник Банка должен проверить их  соответствие условиям аккредитива, а уже затем переводит зарезервированную сумму на счет Продавца недвижимости.

Однако у аккредитивной формы расчетов имеются и недостатки

Самым значительным недостатком банковского аккредитива является  то, что в случае  неудачи сделки  или  возникновения конфликта с  продавцом объекта недвижимости,  денежные средства покупателя могут зависнуть, а вернуть их с блокированного по условиям аккредитива расчетного счета он имеет возможность только по решению суда.  Однако такая ситуация возможна и при расчетах через сейфинг.

Необходимо подчеркнуть, что при использовании данной  схемы надо обязательно указывать в  нотариальном договоре купли-продажи только полную стоимость сделки.

Ну а банк, в свою очередь, обязан известить налоговую службу обо всех открытых счетах.

Также можно рассчитаться с продавцом Объекта с использованием банковского аккредитива и при покупке этого объекта через ипотечный кредит. В этом случае заемщики открывают особый банковский счет для  резервирования на нем средства для проведения расчета с Продавцом Объекта.

Овладеть  этими деньгами Продавец сможет исключительно после перехода права собственности на недвижимое имущество к заемщику. Всю сумму по сделке можно получить наличными в оговоренном центре ипотечного кредитования.

Кроме того, деньги могут быть перечислены на личный счет Продавца (по указанным реквизитам).

Обычно аккредитив открывается на срок от сорока пяти  до шестидесяти дней. В случае, когда  срок аккредитива вышел, а право  собственности  на   недвижимое имущество  не  перешло   к  заемщику,   то  деньги возвращаются в Банк.

Вот так, вкратце, происходит расчет между продавцами  и  покупателями  недвижимости через  банковский   аккредитив.

Видео на тему:

Юрий Птицын: аккредитив -- это условное обязательство

 

 

 

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120 комментариев к записи “Что такое банковский аккредитив?”

  1. Сергей сказал:

    Спасибо! за интересную и познавательную статью. Удачи Вам!

  2. Нина сказал:

    В этом нужно разбираться, многое от нас, простых потребителей скрыто, спасибо за информацию.

  3. Алексей сказал:

    Спасибо за полезную информацию, раньше не слышал о таком термине.

  4. Сергей сказал:

    Удобная схема расчёта между незнакомыми людьми. это касается только жилья, или подходит и для других сделок?

  5. admin сказал:

    Думаю эта схема может оказаться полезной для любых форм сделок, где проходят крупные суммы денег.

  6. Светлана сказал:

    Полезное знание, информации маловато по всем этим банковским тонкостям.

  7. Ольга сказал:

    Очень удобная форма расчетов между не3накомыми людьми или контрагентами, которые проводят сделку впервые. В операциях с недвижимость не сталкивалась, а вот во внешнеэкономической деятельности много ра3. Очень важно правильно оформить аккредитив, иначе можно потерять много времени и денег. Спасибо, поле3ная статья!

  8. Наталья Кочеткова сказал:

    Спасибо будем знать о такой форме расчетов

  9. Татьяна сказал:

    Я даже о таком аккредитиве не слышала! Спасибо, буду знать и с Новым Годом!

  10. Василий сказал:

    Да, это интересно, я как раз думаю сейчас о возможностях инвестирования… Спасибо за информацию… С Праздниками!

  11. Наталья сказал:

    Теперь все понятно про банковский аккредитив. С Новым Годом!

  12. Артем сказал:

    Аккредитив прежде всего важен продавцу. Он получает дополнительную гарантию сделки, в отличии от банковской ячейки. Это гарантия чисто психологически сильнее.

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    Полезный ст. Надумаю покупать недвижимость воспользуюсь инфой с сайта!

  14. Богдан сказал:

    Интересно, я даже когда читал, себя умным чувствовал)) Спасибо, с меня твит

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    тут нужно еще разобраться кому он больше выгоден

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    Слышал про аккредитив, но так подробно только от вас узнал. Спасибо за полезную информацию!

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