hiteltörleszt

Hiteltörleszt, also known as debt restructuring, is a process through which a borrower seeks to renegotiate the terms of its existing debt obligations. This can include extending the repayment period, reducing the interest rate, or converting the debt into equity. The primary goal of hiteltörleszt is to make the debt more manageable for the borrower, often to prevent default or bankruptcy.

There are several methods of debt restructuring, including:

1. Debt-for-equity swaps: In this method, a portion of the debt is exchanged for equity in the company.

2. Debt rescheduling: This involves extending the repayment period of the debt, often with a lower interest rate.

3. Debt buyouts: In this process, a third party acquires the borrower's debt at a discount, effectively reducing the borrower's debt burden.

4. Debt consolidation: This involves combining multiple debts into a single loan with a lower interest rate and extended repayment period.

Debt restructuring can be initiated by the borrower or by creditors. In some cases, it may be mandated by law or court order. However, it is important to note that debt restructuring can have significant implications for creditors, including potential losses if the borrower defaults on the restructured debt.

Debt restructuring is a complex process that requires careful planning and legal expertise. It is often used by companies facing financial difficulties, but it can also be a tool for strategic management, allowing companies to refinance debt at more favorable terms. However, it is not a solution for all debt problems and should be considered as a last resort.