At present more than 40% all advanced on sale business- objects in the sphere of real estate in the price range from 500 thousands to 5 millions are burdened by the credit obligations of the owners  banks or by private individuals. These credits, especially currency, to a considerable degree decrease the profitability of the existing enterprise and, together with the potential possibility of further induce owners to sale of objects with all debts.

Are there risks for the buyer? Yes, but adhering to certain rules, these risks can be greatly minimized. First of all, the transaction must be legally framed correctly. One should clearly define the responsibilities assumed by the seller in claims of creditors’ case.

The economic crisis has put enough notable blow on the companies in sphere of trade in a foodstuff. Many trading networks in days of consumer boom for expansion used proceeds of credit. With approach of crisis, decrease in incomes of the population and, as consequence, a retail goods turnover, rate falling grivna and also unreasonable credit loading have led to substantial deterioration of a financial condition of trade enterprises. The have decided to shift trading networks partially on shoulders of suppliers, increasing indebtedness volumes for the delivered goods and terms of delay of payments.

Trade in electronics and home appliances suffered from consequences of financial crisis. It suffered first of all from sharp depreciation of hryvna by autumn of 2009, as well as virtually full termination of consumer crediting by first halfof 2009.For some product groups, sales volume reduction has made more than 50 %.For instance according to market participants, sales of mobile phones, smart phones and communicators in 2009 amounted to just over 550 million dollars. That is 62% less than in 2008. Not so badly affected sales of small and large home appliances (sales falling by approximately 25% yoy). From the 3Q2009 the situation in the retail trade in electronics and home appliances have stabilized that is connected with partial renewal of consumer crediting. However experts do not predict swift market renewal anywhere to pre-crisis highs in the near future s.

Reduction of sales and increase the credit load has put many dealers of household equipment and of electronics on the verge of survival. Inresponse they began contracting  the number of points of sale (e.g., the number of POS  of cell phones in 2009 contracted by 12 %), reducing of floor spaces and the assortment. Substantially cut off from bank loans necessary for financing of purchase of the goods (which import component reaches 90 %), dealers quite often autocratically increased the terms of payments to suppliers. Unfortunately, are not rare and cases of evasion or refusal of performance of contract obligations (including large networks), and also use of mechanisms of fictitious bankruptcy.

Employees of the DMC “Fortum” possess  unique experience in work with debts in sphere of trade in electronics and home appliances. The company  possessed analitic tools allowing to establish the real financial state or retail traders, allowing to early warn on the deterioration of the financial situation of partner trading groupsand offer our customers the most effective strategies of asset tracing and  debt recovery. We will force to carry out the contract obligations to you even the most hard-core defaulters.