Differences Between A Bank Guarantee And Letter Of Credit

By Tanisha Berg


The two differ although they may sound similar. A bank guarantee in city Dubai refers to a written commitment which is usually issued by a bank when requested by one of various parties in a transaction. The bank therefore promises to pay a beneficiary a sum of money that is specified for cases that are also specified in the agreement. The lender assures payment of the cash. This is usually in the case that the terms defined in the agreement are not met.

Bank guarantees are also used in other sectors outside trade. The government does use them in bidding on land and also in many other projects that it carries out. A good example is a person who bids for a project of road construction and is asked to give an assurance to a government authority.

Bank guarantees in city Dubai vary in types. For example, we have advanced payment guarantee. The lender promises to commit itself in paying back a buyer the advanced amount in the event that a seller is not in a position to deliver what was on the agreement. Performance bid. This results from a case where a beneficiary is paid because the service provider failed to fulfill an agreement.

Bid bond. The aim of this is recovery of expenses by an organizer of a contract, of money lost when the winner of a contract declines to perform. This certainly leads to an announcement of another tender. All guarantees given by lenders must have a purpose for issuance and ability to last for a specified period. It is normally revoked at the end of the duration or when the purpose is met.

Guarantees by banks are important since they assist you to minimize risks that you can encounter when a party you enter into contract with fails you. Letters of credit are different because their purpose is to see that transactions happen as had been planned. The lender is obliged to make payment once terms are fully met. It is responsible for transferring funds. Payment of cash is therefore assured.

The two are common in the sense that they both guarantee a specified sum of money to beneficiaries. The difference is that guarantees by banks are only paid when an opposing party fails to perform as per the agreement. This will be used either by sellers or buyers to insure against loss or damage as a result of nonperformance by the other party involved in a contract.

This bank is usable by a buyer in a case where he or she receives goods from a seller but cannot pay because his or her financial status does not allow. It can be used at the same time by a seller who is unable to deliver goods to a buyer as agreed upon. The purchaser will receive the specified amount of cash from the lender. Guarantees by lenders therefore are used as safety measures for any party in a transaction.

Lastly, there is great importance of both options. You are able to trade with customers across all corners of the world. The options will provide you assistance in countering the risks that you face. It also encourages mutual understanding and trust among partners.




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