A customer guarantee is utilized when a customer is required to have a general guarantee, which is then to be added to each of their financing contracts.
The process is as follows:
The user establishes the necessary guarantee on the customer (described below)
In the specific leasing agreement, they will establish a guarantee (description in the Smlouva se službami and Smlouva bez služeb).
Created Customer Guarantee (4026447)
Customer Guarantee can be created from the customer overview or the customer card via the Process/Guarantee option.
After clicking on the button, the list of guarantees with a filter for the given customer opens.
You can open an existing guarantee by selecting Manage – Edit or View.
You can create a new guarantee using the Create Guarantee button – the Guarantee card will open.
Field:
No. (No.)
It is automatically filled in from the set number series when creating a new contract guarantee card.
Source Contract No.
The OC automatically adds (takes) the number of the guarantee from the customer's guarantee, if the contract guarantee is created from the customer's guarantee.
If the guarantee is created on the customer, the field is empty and uneditable
Financing Contract No.
The number of the financing contract for which the guarantee is being created. It is filled in automatically when you create a new guarantee card.
Customer No.
Adds OC automatically when the guarantee is created
Customer Name
Adds OC automatically when the guarantee is created
Guarantor No.
Contact number of the person who is the guarantor on the contract.
Guarantor Name
The system automatically pre-fills the guarantor from the contact card.
Guarantee Category
Setting the guarantee category by selecting from the Guarantee Category code list (e.g. financial assets, tangible assets, bills of exchange, etc.).
Category Description
Completes the OC automatically according to the specified guarantee category
Guarantee Type
Setting the guarantee type by selecting from the Guarantee type code list based on the selected guarantee category.
If the Guarantee Type that has the Static Bail=YES flag is changed to A Guarantee Type that has the Dynamic Bail=YES flag is changed, the system automatically deletes the value in the Nominal Value field.
If a Guarantee Type that has the Dynamic Deposit=YES flag is changed to A Guarantee Type that has the Static Deposit=Yes flag is changed, the system automatically clears the value in the Deposit Coefficient field.
Guarantee Type Description
Adds OC automatically
Buy-back
Completes the system automatically from the Guarantee Type
Dynamic Deposit
Completes the system automatically from the Guarantee Type
Static Deposit
Completes the system automatically from the Guarantee Type
Deposit Coefficient
Does the user fill in manually in the case of Dynamic Deposit = YES or takes over the system as part of the creation of the guarantee if the guarantee is created on and from the customer's guarantee).
If a Guarantee Type that has the Dynamic Deposit=YES flag is changed to A Guarantee Type that has the Static Deposit=Yes flag is changed, the system automatically clears the value in the Deposit Coefficient field.
If Type=Contract (i.e. the guarantee is assigned to a contract, the guarantee has a contract number filled in), the system will automatically fill in the Nominal Value value (210) when the value changes:
Nominal Value = Deposit Coefficient * Payment Incl. VAT (4047215) from the Leasing Agreement
Date From
Warranty Validity Starting Date.
Date To
Guarantee expiry date.
Status
By default, preparation. Change the user to Fulfilled (if the customer provides all the necessary documents or pays the deposit) or to Active (if the guarantee is effective) or Terminated (after the end of the effect)
State Switching Logic:
Preparation – by default when creating a guarantee
Fulfilled – set manually by the user
Active – set manually by the user (needed when adding a guarantee to a contract) or change the system automatically to a contract guarantee (as part of activation), but only if the contract guarantee status was Fulfilled
Terminated – set manually by the user
Currency Code
Setting the guarantee currency by selecting from the currency code list (for local currency, the Currency code is empty).
By default, it is fulfilled from the financing contract
If the guarantee is created from a customer card, the field is blank
Nominal Value
Enter the nominal value of the guarantee in the guarantee currency.
When the Deposit Coefficient is changed, the field is automatically recalculated
When the value changes, the new value is automatically entered into the Current Value field (230)
Note: the reverse is not true. This means that if any part of the deposit is used, for example, to settle an outstanding installment, the user must manually fill in the deposit balance in the Current Value field.
If the value is changed, the Deposit Coefficient value will be calculated retrospectively only if Dynamic Deposit=YES
If the Guarantee Type that has the Static Bail=YES flag is changed to A Guarantee Type that has the Dynamic Bail=YES flag is changed, the system automatically deletes the value in the Nominal Value field.
Nominal Value Date
The system automatically inserts the current system date at the time you insert the value into the Nominal Value field.
Current Value
Enter the current guarantee value in the guarantee currency.
Current Value Date
The system automatically inserts the current system date when you enter the value in the Current Value field.
Max No. of Contracts
To be completed manually by the user if he wants to limit the number of contracts by this guarantee
If it is empty, the guarantee can be created (or valid) for all contracts of the customer
If it contains a value (e.g. 10), it means that the customer's guarantee will be taken over to the first 10 of his contracts, but not to the others
Note
Fill in manually if the user wants to make a comment on the guarantee.
Valuation Method Code
Set the method of valuation by selecting it from the code list.
Last Modify Date
The date of the last change made to the Guarantee card.
Total Actual Market Value
Displays the sum of the values of the Current Market Price field for all guarantee objects that are registered for the contract guarantee entry.
The number of customer guarantees can also be seen in the fact box Customer Statistics – Number of Guarantees.
Guarantee Object (4026448)
The list of guarantee objects registered for a given contract guarantee item can be viewed from the Guarantee List or from the Guarantee Card via the Guarantee Objects button.
The subject of the guarantee may be a financed object or another object owned by the customer, by which the customer guarantees the performance of the financing contract (e.g. real estate).
The Guarantee Object Card can be created from the Guarantee Object List using the New button.
When pressed, the guarantee object card opens.
The Guarantee Object Card can be opened from the Overview of Guarantee Objects using the Manage – Edit or View options.
Field:
General tab:
Guarantee No.
The contract guarantee number, which is filled in automatically.
Guarantor No.
The contact number of the guarantor set up on the Contract Guarantee card.
Guarantee Object No.
The serial number of the subject of the guarantee, which is filled in automatically.
Financed Object
Default N
If the user wants to create a contract guarantee and the subject of the guarantee to the financed object, he switches the flag to Y.
If the user wants to create a contract guarantee and the subject of guarantee to another object, he switches the flag to N and enters other data of the subject of guarantee.
Financed Object No.
Non-editable field. It is used only on the subject of the contract guarantee.
Object Category
If the user selects one of the financed objects of the contract as the subject of guarantee (in the Financed Object No. field), the value of the Object Category field from the Financed Object Card is automatically copied into the Object Category field and the Object Category field becomes uneditable. If the subject of the guarantee is not a financed object, the user can fill in the value in the Object Category field manually by selecting from the code list.
Commodity Code
If the user selects one of the financing objects of the contract as the subject of guarantee (in the Financed Object No. field), the value from the financed object card is automatically copied into the Commodity Code field and the field becomes uneditable. If the subject of the guarantee is not a financed object, the user can fill in the value in the Commodity Code field manually by selecting from the Catalogue Card Commodities code list.
Group
If the user selects one of the financed objects of the contract as the subject of guarantee (in the Financed Object No. field), the value of the Group field from the Financed Object card is automatically copied into the Group field and the Group field becomes uneditable. If the subject of the guarantee is not the financed object, the user can fill in the value in the Group field manually by selecting from the code list.
Subgroup
If the user selects one of the financed objects of the contract as the subject of guarantee (in the Financed Object No. field), the value of the Subgroup field from the Financed Object card is automatically copied into the Subgroup field and the Subgroup field becomes uneditable. If the subject of the guarantee is not a financed object, the user can fill in the value in the Subgroup field manually by selecting from the code list.
Species (Type)
If the user selects one of the financed objects of the contract as the subject of guarantee (in the Financed Object No. field), the value of the Type field from the Financed Object card is automatically entered into the Type field and the Type field becomes uneditable. If the subject of the guarantee is not a financed object, the user can fill in the value in the Type field manually by selecting from the code list.
Make
If the user selects one of the financing objects of the contract as the subject of guarantee (in the Financed Object No. field), the value of the Make field from the Financed Object card is automatically copied into the Make field and the Make field becomes uneditable. If the subject of the guarantee is not the financed object, the user can fill in the value in the Make field manually by selecting from the code list.
Model (Model)
If the user selects one of the financing objects of the contract as the subject of the guarantee
(in the Financed Object No. field), the value of the Model field from the Financed Object Card is automatically copied into the Model field and the Model field becomes uneditable. If the subject of the guarantee is not a financed object, the user can fill in the value in the Model field manually by selecting from the code list.
Model Line
If the user selects one of the financed objects of the contract as the subject of guarantee (in the Financed Object No. field), the value of the Model Line field from the financed object card is automatically copied into the Model Make field and the Model Line field becomes uneditable. If the subject of the guarantee is not a financed object, the user can fill in the value in the Model Line field manually by selecting from the code list.
Model Type
If the user selects one of the financed objects of the contract as the subject of guarantee (in the Financed Object No. field), the value of the Model Type field from the Financed Object Card is automatically copied into the Model Type field and the Model Type field becomes uneditable. If the subject of the guarantee is not a financed object, the user can fill in the value in the Model Type field manually by selecting from the code list.
Object Name
If the user selects one of the financed objects of the contract as the subject of guarantee (in the Financing Object No. field), the value of the Name field from the Financed Object card is automatically copied into the Object Name field and the field becomes uneditable. If the subject of the guarantee is not a financed object, the user can fill in the value in the Object Name field manually by selecting from the code list.
Description
The user can manually fill in an additional description of the guarantee object.
Object Address Code
Select the address that is created under the Guarantor Contact Card specified on the Guarantee Card and the Guarantee Object Card.
Actual Market Value
If the user selects one of the financed objects of the contract as the subject of guarantee (in the Financed Object No. field), the value of the Current Market Price field from the financing object card is automatically copied into the Current Market Price field and the field becomes uneditable. If the subject of the guarantee is not a financed object, the user can fill in the value in the Current Market Price field manually.
Actual Market Value Date
Non-editable field. If the user selects one of the financing objects of the contract as the subject of guarantee (in the Financed Object No. field), the value of the Current Market Price Date field from the Financed Object Card is automatically copied into the Current Market Price Date field. If the subject of the guarantee is not a financed object, the system will automatically fill in the Current System Date field at the moment of entering/changing the value in the Current Market Price field.
Production Month
If the user selects one of the financing objects of the contract as the subject of guarantee (in the Financed Object No. field), the value of the Production Month field from the financed object card is automatically copied into the Production Month field and the field becomes uneditable. If the subject of the guarantee is not a financed object, the user can fill in the value in the Production Month field manually.
Production Year
If the user selects one of the financed objects of the contract as the subject of guarantee (in the Financed Object No. field), the value of the Production Year field from the Financed Object card is automatically copied into the Production Year field and the field becomes uneditable. If the subject of the guarantee is not a financed object, the user can fill in the value in the Production Year field manually.
Real Estate Tab:
Ownership Sheet No.
The user selects from the List of Ownership Sheets the number of the sheet on which the property is registered
Cadastral Area Code
The system will automatically fill in according to the selected ownership sheet number
Cadastral Area Description
The system will automatically fill in according to the selected ownership sheet number
Usage Method
The user selects a value from the Ways of using the guarantee code list.
Object Classification
The user selects a value from the Object Classification code list.
Expert Evidence Currency Code
The user selects the currency of the expert opinion by selecting from the currency code list.
Expert Evidence Value
The user enters the value of the expert opinion in the selected currency.
Expert Evidence Date
Non-editable field. The current system date/time is filled in automatically after entering/changing the value in the Expert Evidence Value field.
The card of the subject of guarantee can be deleted by clicking on the Delete button directly from the card of the given subject or from the List of Guarantee Objects by selecting the Manage – Delete option. If you confirm by selecting Yes, the record is deleted.
Co-guarantor (4026443))
In addition to the primary guarantor (Guarantor No. field on the guarantee card), it is also possible to set N co-guarantors on the guarantee – for example, bill of exchange avalists or another co-guarantor.
The list of co-guarantors for a given guarantee can be displayed using the Co-guarantor button on the Guarantee tab.
Use the New button In the list of co-guarantors, it is possible to create a new co-guarantor by filling in the following information:
Co-Guarantor
The user selects the contact number of the co-guarantor from the contact list.
Subject Name
It is filled in automatically after selecting a co-guarantor.
Description
The user can manually enter a description of the co-guarantor.
It is possible to delete a co-guarantor using the Delete button in the list of co-guarantors.