What Is This Debt Configuration?

 One of the most talked about issues in our country is the debt restructuring of companies. So what is this debt configuration, what is not? Let's examine together. 

Money Status

This is the same for companies, if we are structuring our credit card, home loan debt by showing sensitivity when conditions change.

WHAT IS CONFIGURATION?

● It is a natural process.

● Financial literacy.

● Positioning itself according to changing economic conditions.

● Measure is to take.

● Proceed with projections and plan with financial institutions.

● To keep up with the world conditions.

● To be honest and act beforehand.

WHAT IS NOT?

● Do not sink.

● It is not bankrupt.

● Do not turn off the job.

● Each structured loan is not problematic.

● It is not a crime.

● 'Hooray, can not pay' he would not rejoice!

● 'Oh how beautiful! In a new adventure, the movie that will watch us is also 'not-is-not'.

WHEN?

● There is a change in the economic life of the individual or company. (In your hand go through the bulk money, a sale take place in)

● When the country's economic situation changes. (When interest rates are discounted, there is a difference in exchange rate ...)

PAYMENT FOR COMPANIES

1 - Project: If they are borrowing for a good project, they provide employment and contribute to the economy of our country. If the project opens abroad, the flag of our country waves.

2 - Duty by debt: If the debt can be paid, there is no problem. The important thing is to be paid back.

3 - Production tenacity: Debts that encourage companies to invest, grow and strive to produce are also important.

JUSTICE PSYCHOLOGY

Constantly 'how to pay that debt?' "Interrogation leads to an unnecessary energy loss. Instead of trying to close the debt and earning the debt, it promptly passes on answering these questions." This will also damage our economy. The tip touches us.

PAYMENT FOR INDIVIDUALS

1. Where is the debt that is certain. For example, home, car, white goods lar çıktı Aaa where did it come from… is not what we say.

2. It is our increasing debts, the value of which is increasing. For example, you owe it for training, its value increases, you get a credit card in 4 installments, the value of it will not increase.

3. Covered debt: There is a debt of 200 thousand pounds you will pay when you receive a loan for a house of 250 thousand pounds, but behind your debt, your house, your guarantee, your presence will stop. Sometimes companies also borrow for specific projects and have projects behind them.

THE BANK'S INITIATIVE

QUESTION: My wife wanted to configure the card debt. ”There is no such practice, Banka the bank said. They don't want to do it? ● Nuray

ANSWER: Debt restructuring is at the bank's initiative. Your wife to go to the bank, sincerely pay the difficulty to tell. Investigate the option to transfer money to another bank.