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jos saatava ei ole suoraan ulosottokelpoinen, velkojan on haettava asiassa käräjäoikeuden päätös tai tuomio.
if the debt is not directly enforceable, the creditor must first apply for a decision or a ruling from the district court.
tähän hankkeeseen sovelletun palkkion poikkeaminen tavanomaisesta johtuu seuraavista seikoista: a) takauksen myöntämiseen sovellettavat ehdot ovat huomattavasti pankkitakausten ehtoja tiukemmat, sillä pankkitakaukset ovat first demand -takauksia ja igapen takaus on toissijainen takaus (ulosottokelpoinen ainoastaan siinä tapauksessa, että edunsaaja on julistettu maksukyvyttömäksi), b) igapen vastuulleen ottama riski on erittäin pieni, sillä se kattaa vain 30 prosenttia lainasta ja lainalla rahoitetaan vain 40 prosenttia koko investoinnista, c) hankkeen toteuttajat ovat konserneita, joiden maksukyky on tiedossa.
the difference with the commission applied in the present transaction stemmed from the following factors: (a) the conditions for calling on the guarantee were much stricter than those of the bank guarantees, since these were enforceable at first request and igape’s guarantee was enforceable only in a subsidiary capacity (once the beneficiary was declared insolvent); (b) the risk assumed by igape was very low since it covered only 30 % of the loan and the loan financed only 40 % of the investment; and (c) the project was promoted by groups known for their solvency.