Iimbambano kunye neebhanki: yeyiphi inkundla ingqalelo? Indlela baziphathe kakuhle?

Iimbambano kunye neebhanki evela mboleko eziye zathathwa kuvuka. kuvela iimbambano ngenxa izibalo ezingachanekanga, izibonelelo mthethweni zivumelwano, njl Konke oku oluwachaphazela ngqo amalungelo abemi '.

Yintoni Inkundla imamela ityala

Ukuba inkundla ukuba ahlawule imali ubiza ebhankini, ngoko izinto ezithunyelwa kwindawo onetyala ngayo yobhaliso. Ukuba Abameli ithumela elinye icala, ngoko ke indawo ibhanki okanye ubhaliso umthengi. Isizathu imimiselo yomthetho "Xa nokuKhusela amaLungelo Abathengi '.

Kamantyi isibheno enkundleni xa isixa-mali ekuxoxwa ingadluli amawaka-50. Engange. Iimbambano kunye neebhanki ulinganise ngaphezu kulo mda, iyaqwalaselwa kumgangatho wesithili.

Ukuba awunalo ngoko nangoko ukuba wazi ngqo ukuba ityala kufuneka ziqwalaselwe kwinkundla yesithili, oko wamiswa kunye nokudluliselwa wegunya.

Ngoku kwiinkundla kulamlo. Ukuba isivumelwano esatyikitywa emva 01.07.2014 nyaka, iimbambano kunye neebhanki kwiinkundla okulamla ingqalelo kwisivumelwano umxhasi a, awawunika emva kokuqala ityala, kunokuba ngexesha kokusayina isivumelwano semali-mboleko.

Umahluko phakathi ibango kunye umyalelo wenkundla

Umyalelo sikhutshwe emva kwingxelo ofun yinkundla ngokusekelwe izixhobo ezilungiselelwe kuye. Umahluko sikweni ukuba ummangali ekuthiwa yi-umqokeleli, kwaye ummangalelwa - unetyala.

, Ijaji ucinga ukuba izinto uyazanelisa na iimfuno ezisesikweni, eyenza umyalelo. Akukho namnye kwinkundla akazange enze izinto ezongezelelweyo azifumaneki. Le nkundla unelungelo, xa ayo ukuze ucele amaxwebhu.

Wakhupha umyalelo wokuba ummangalelwa kunye ikopi izixhobo, bafake enkundleni. Okubangel 'umdla kukuba amanye amaxwebhu list umyalelo, vula nje intendelezo. Vzyskatelja kubonisa ngokucacileyo ukuba kungekhona ummangalelwa. Oku kukwaphula ngqo umthetho nabagwebi ngokufuthi bakhangela kuyo ngokusebenzisa iminwe yam.

Ummangalelwa safumana umyalelo, kufuneka kwiintsuku ezili-10 lokubhena. Isicelo esifakwe nakumgwebi oya yenze umyalelo. Ukuba akusibonanga eso umhla, imbambano kunye ebhankini enyanisweni phezu.

Ukucinywa komyalelo wenkundla

Rhoxisa sase elula - uthumele nje ingxelo ingxabano naye. Kutheni kulula kangaka? Kunzima ukutsho, kodwa nangona kunjalo - ngokwenene loo nto.

Xa ixesha liye ophosakeleyo ngenxa yezizathu ezivakalayo, onetyala unelungelo ukubuyisela osikiweyo ekucinyweni. Isicelo inikwa ngqo kwi isicelo ukurhoxiswa komyalelo wenkundla.

Hi ndlela leyi, musa ukuba ebekwe onke amazwi akhe nxamnye isicelo achache. Kwanele ukuba ukumphikisa zabo.

Ijaji izaku rhoxisa umyalelo, Noko ke, ummangali ngoko isibheno kwinkundla, kunye nokwalelwa nje ukuqaphela iimfuno ayisekho eyaneleyo.

Zeziphi iimpikiswano ukuba ukunika

Iibhanki waguqukela kwiinkundla lokufuna ukuba ukubuya kwamatyala. Kunye ibango bayayinikwa ikopi yesivumelwano, kulendawo kwetyala. Umsebenzi kweejaji kukhokelela isigqibo ngokungxama, ngoko kuyacetyiswa ukuba kuza enkundleni walungisa iingxoxo.

Ngokukodwa, bawasindisa irisithi engqina intlawulo yetyala. Ezinye iibhanki bazama ukulahlekisa inkundla ukuba yimalini umthengi ukuba ngenene kwaye ingaba okanye hayi kwaphela.

Kwamatyala kwenzeka ngamanye amaxesha ngenxa yeemeko ezinzima ubomi (ukugula, ukuphelelwa ngumsebenzi, kunciphise ingeniso, njalo njalo). Ke umntu onetyala izama ukunika imali ebhankini kangangoko kunokwenzeka. Ukuba ufake kwityala amaxwebhu afanelekileyo, iya lula imbambano kunye ebhankini.

Statement ekunciphiseni mfuneko yakuthobela esi sohlwayo, ekukhethwa ngokusebenzisa indlela ebhaliweyo ofisi. Sifakwe ngendlela ayiyi kuhoywa. Ukongeza, kufuneka ukuba oko kwenziwe phambi kokuba inkundla iza kushiya igumbi neenzame.

Ukuziqhelisa, kucelwa ukuba uthathele ingqalelo yokulibaziseka ngokucacileyo ebhankini enkundleni. Le iklayenti ngokucacileyo akakwazi ukucima-mboleko kwi imiqulu ezidlulileyo, ngezavenge okanye saliwe isicelo kule nguqu ithe wamane.

Ukuba umxhasi ufuna umngeni semthethweni kwesivumelwano okanye bemiqathango yawo, bafaka countersuit, ukuphikisa omnye akwanelanga. amanyathelo New kuthathwa phambi kokuphela zetyala lokuqala, ngaphambi kokuba zithini na. Ukuba akusibonanga, i ibango liya nkqu kuqwalaselwa.

ubuqili mortgage

Ngokutsho komthetho "Kwi mortgage" ukuba akukholibaziso kubangelwa akukho ngaphezulu kwe-3 kweenyanga kunye nobukhulu bayo akukho ngaphezulu kwe-5% yexabiso into, inkundla yamatyala inyanzelekile ukuba angavumi ibango. Litigation neebhanki kwipropati eqondene zabo, echaphazela iqashiso kujonge izinto, xa othathwe ethile kwipropati mortgaged.

Ngokomthetho, zonke iimbambano mortgage nabantu kufuneka adlule ziinkundla. Kukho inkqubo eyahlukileyo ekufezekisweni impahla yemali.

Indlela yokwenza isikhalazo

Izichaso ezikhoyo ezichazwe kwi iphepha ayilungiselele kusengaphambili. Ikopi ye-pre-kusiwa kwi-ofisi.

Le scheme sentengo:

• igama wenkundla;
• Igama of agwebe;
• inombolo case;
• ummangalelwa;
• ummangali.

Ukuba kukho nayiphi na imibuzo, ukuba xhuma ukuziphendulela kwaye uluhlu ehlonyelwe inkcaso.

Ukuba isichaso busekwe ubalo ezingachanekanga yetyala, ummangalelwa wenze lakhe. Judges kunqabile babe izakhono zezibalo. Ummangalelwa kufuneka akwazi ukucacisa yonke lucidly.

Iimbambano kunye neebhanki mboleko - udidi entsonkothileyo amatyala, kwaye oko kuyimfuneko ukulungiselela nabo uncedo lobungcali bawaziyo bokuqonda komthetho ngetyala kunye neenkqubo kwezomthetho.