Imiphumo kokuphela kwethuba mda. Iintlobo ngummiselo ukulinganiselwa

Yiyiphi imiphumo kokuphela kwethuba nciphiso ngokuhlasela nxaxheba ngobuhlobo? Yintoni eyayiza kwenzeka ukuba bonke baya kangangoko kunokwenzeka xa iibhanki kunye nemibutho credit banelungelo kwakhona amatyala ezinkundleni? Le mibuzo neminye efanayo iza kuzama ukwenza ngaphandle kweli nqaku.

ukuba nombono

Ngaphambi kokuba uthini imiphumo kokuphela kwethuba nciphiso, uchaze kule kota.

Imida yezenzo - mthetho owabiwa ixesha ukuze kukhuselwe amalungelo enkundleni. Kumthetho wembambano, yahlulelwe kwii iindidi ezimbini: jikelele (iminyaka emithathu), ezizodwa (kuxhomekeka kubume zomthetho).

Oku kuthetha ukuba, ukuba wena waya nemihla kwifayile amabango, ngoko uwine ityala iya kuba nzima kunene, nokuba ummangali unamalungelo ezintathu. Kodwa kukho inkalo enye umdla apho abangafundanga umthetho musa ukuba ngaphandle isicelo esikhethekileyo ukusetyenziswa kweenkundla ngokwabo musa ukwenza izigqibo. Ngakumbi kule sihlaziye ngakumbi.

Isicelo practice

Ukuba ngummiselo ukulinganiselwa liphelelwe lixesha, oko akuthethi ukuba "ngumtyholwa" zingalala ngoxolo. Akukho sicelo oluzenzekelayo le angazinyatheleli. Musa kuza neziphumo ezibi kokuphela kwethuba umda ngenxa amatyala, ukuba ummangalelwa, okt. E. I onetyala lazisa isicelo kwinkundla yomthetho. Le yenye iinguqulelo ezininzinzi kweli mthetho Russian. Ngaphambi kokuba ummiselo yokwala izicelo ziinkundla ngokuzenzekelayo t. E. Ukuba abakhonzi Themis uyakwazi ukubona ukuba esikiweyo oziphosileyo, abayi ingqalelo kwingxelo sebango. Namhlanje yonke into itshintshile, kuya kuba yimfuneko ukuchaza kwisicelo ukuba ummangali akwenzeki, ngokutsho inqaku. 196 loMgaqo-Code Civil, ukuba ezifuna naliphi na ityala.

Ngoko ke sigqibo: imfuneko yokuphucula rhoqo lokufunda nokubhala zomthetho, nokuba asebenza ummi kuso nasiphi na isigaba umsebenzi. Iinkundla, njengokuba ngaphambili, isicelo akusayi ulawulo lomthetho ngaphandle ohambelana imfuneko.

Ukweqa umthetho iintsilelo

Akukho kuphela amatyala embambano ngaphandle ngummiselo ukulinganiselwa, ngoko ufuna ukugcina umkhondo ixesha. Noko ke, kunokwenzeka ukuba ukubuyisela ilungelo lokufaka amabango. Kubomi nto inokwenzeka, nantoni na. Kukho iimeko apho ngummi yezizathu Injongo akanako isicelo enkundleni. Ukusebenzisa banelungelo lokhuselo isigwebo siya, yena kufuneka abuyisele le kota yenkqubo ephosiweyo. Le Nkundla ingqalelo iingxelo ezinjalo ngokwahlukeneyo iimfuno ezingundoqo. Ukuba wanelisekile ukuba ixesha liphosiwe ngaphandle kwesizathu elungileyo, akukho ukuthandabuza kwakhona wokhanyelwa.

izizathu Good ukululama

ibango ummangali ukuze ukubuyiselwa ahlangane elithi, njengoko umthetho, ngezizathu zilandelayo:

• Ukonakala impilo, sisifo nezizalwane, abantwana.
• Uhambo, ukutshintsha indawo yomsebenzi.
• Nokubhala - okuthetha akukho nokubhala zomthetho, okt ukunqongophala ukuqonda imithetho nokungakwazi kwabo ukutolika kunye nokungakwazi banal ukufunda okanye ukubhala ...
• Esinye isizathu, le nkundla yabona esebenzayo.

Ukuba ungummi kufuneka ingenise enkundleni, kodwa yena, umzekelo, izise udaka kwendlela kuphela ngaphandle komzi, inkundla iya kudibana nokunika ithuba ufake isikhalazo.

Ngubani onelungelo ukubuyisela ngokommiselo iintsilelo

imibutho zomthetho awanalo ilungelo kwixesha recovery. Enoba yintoni isizathu: nokuba inkampani kubekwe phezu usingasiqithi, kwaye kwana iqhwa entwasahlobo, yaye kulo mzekelo, amagqwetha ziya kuba namandla ukwenza nantoni na. Oku kwaziwa kumaziko ngetyala kunye neebhanki, arhente ukuqokelelwa, kodwa balahlekisa ngabom abayiqondi kwi abemi zomthetho. Ngoko ke sigqibo: ukuba kudlule ixesha elaneleyo emva, umzekelo, ukuthatha imali-mboleko, oko kusenokwenzeka, lafika ixesha, kwaye ababolekisi abanalo ilungelo ukuze ahlawule ityala ngokusebenzisa iinkundla. Nakuba kunjalo, siye sele ikhankanywe; ngokuba isicelo Art. 196 loMgaqo-Code Civil kufuneka kuchazwe ukuba imiqathango ekhohlo. Iinkundla azizange banelungelo kubemi ukuba wenze njalo. Ngoko ke, kwiintlanganiso kusafuneka ukuvela - ubuncinane ukugcina umkhondo izilingo zakho, kungekhona ukuba izinto uthathe indawo yawo. Ukuba awukwazi ngokobuqu baye kwetyala, ungathumela isicelo esibhaliweyo.

Sazi njani ukuqala ukubala

Enye le mibuzo enzima ukudideka nabanye wabaqalayo lweengcali zezomthetho - ekuqaleni kwethuba mda. Oko ke umhla apho engenakubalwa. Ukalisho lwexesha yezizathu jikelele - iminyaka emithathu, kodwa ngasinye bokuqonda benesimangalo xa kubalwa inani ephumayo. Lo mbuzo kubangela ubunzima ikakhulu kwizivumelwano zeentengo zemboleko kunye mboleko.

Ukubalwa ezingummiselo ukulinganiselwa kwenzeka, ngokuqhelekileyo ukusuka iintshukumo ezithile zomthetho. Umzekelo, ukuthenga imoto, ukwakhiwa isenzo yomthetho yoluntu, kokugqitywa isivumelwano sentengo yemboleko, kunye nabanye. Ithuba Umda yiminyaka emithathu ityala. Noko ke, abaninzi ngokuphosakeleyo ukutolika i ephumayo, indawo yokuqala, apho kufuneka ukuba ukubala. Siza kuzama ukulungisa lo mba.

nesivumelwano semali-mboleko: apho Ubala kwixesha mda

Masithi umboleki wakhupha imali-mboleko ebhankini ukuze isithuba seminyaka emi-5, ngoJanuwari 2010 kwi-mali ka-100 lamawaka. Engange. Emva konyaka, ngoJanuwari 2011, isivumelwano, kwaye uyeke ukuhlawula nezibophelelo zawo. Apho kule meko ke ibalwe ithuba umda seminyaka emithathu-? Ukususela ngoJanuwari 2011, okanye 2015? Ingongoma lokugqibela umbono kulo mba ubeke kwiNkundla Ephakamileyo Russian Federation. Uveze ukuba ixesha umda iqala ukubaleka mzuzu xa otyalwayo wayeyibona le lunyhasho lwamalungelo abo. Kunye amaqumrhu asemthethweni Yinto elula (iibhanki, amaziko microfinance, kunye nabanye.): Kulindeleke ukuba ukwazi ngokuzenzekelayo kwiimeko ukungahlawulwa izibophelelo credit ngakwicala kubaboleki. Kubonakala ukuba le meko xesha kwesithintelo iphela ngoJanuwari 2014.

Kodwa ke kukho enye caveat ezinkulu: kwiNkundla Ephakamileyo Russian Federation imisela kwintlawulo sample ngamnye ngamnye. Oku kuthetha ukuba ngo-Januwari 2014 elimisiweyo ilungelo ngoJanuwari 2011, ngoFebruwari 2014 ukuba bafune intlawulo yonyaka - ngoFebruwari ka-2011 kunye njl Okokugqibela, le unetyala ungalala kumzekelo wethu ezingenzeka kuphela emva koJanuwari 2017 ... Kuhle kakhulu uyazazi imibutho ngetyala, yaye usoloko ukugxininisa, Noko ke, bayalibala enye into: ukuba zicele kuba nokufunyanwa angahlawulwanga, umzekelo, ngoDisemba 2016, imfuno kunokuba imali-mboleko yenyanga enye kuphela. Okukhona egcina imali kunye namaziko yokubolekisa ziya kulibazisa yokufayilisha yebango, imali ngaphantsi baya kufumana ekugqibeleni. Kakade ke, kuphela xa umboleki ngokwakhe wathi lwezikhalazo. Court kuba ukwenza njalo nje ukuba angabi, kodwa, njengokuba le ndlela izigwebo, kwaye abakwazi. Kufuneka kuqatshelwe ukuba liphelile ixesha lilinganiselwa ukuba ilungelo yokuqokelela amatyala ezinkundleni ngokusemthethweni akuthethi isiqabu amatyala. Kwakhona I-Bank unelungelo ukubanga imali yabo ezinye iindlela ezisemthethweni.

nokuphazamiseka

Ethetha iintsilelo kunye neziphumo, kufuneka ukhumbule ngale ingqiqo kumthetho wembambano, njengoko kokuphazamiseka - na isenzo procedural, leyo licwangcisa kwakhona ixesha, litolika izandla stopwatch kwisikhundla wabo. Lo Mthetho uthi ngokucacileyo ukuba kokuphazamiseka kunokwenzeka kuphela xa ekuvunyelwene ngayo umsebenzi ngummi, wafumana kuye intshukumo ethile yenkqubo: yakuhlawula, imvumelwano yesavenge, abe ebhaliweyo, isivumelwano phezu ngokutsha kunye nabanye.

Ziziphi izenzo zitolikwa ngokungachanekanga nokuphazamiseka

Kudla iibhanki kunye nabaqokeleli ukwazisa abemi abangenamava lilahleka: bathi ukuba incoko yefowuni, umfowunelwa licwangcisa kwakhona ixesha kwifayile amabango. Ngenxa yesi sizathu, abantu abaninzi ngempazamo ningoyiki ukuthetha kunye nabasebenzi bamaziko zemali. Ngokusemthethweni incoko yefowuni ayiyi kusetyenziswa njengobungqina, nokuba onetyala ivumelana ngokupheleleyo nazo zonke iimfuno, oko kukuthi, ukuba ukusetyenziswa kwe-odiyo - .. indlela Kunokuba nzima yaye kubize. Kuya kuba yimfuneko ubungqina amaziko ngetyala, leyo kwelinye isiphelo wahlala egameni onetyala. Ukuba inkundla iya kuba ngabokugqibela, ngoko olu khetho kuyingxaki kakhulu.

Le ukungaqondi yesibini - ukuqwalasela kokuphazanyiswa emva kokuba iziko lamatyala entendelezweni ehlabathini, yaye ngenxa yoko, umyalelo wenkundla. Abanamatyala benamalungelo ngaphandle kocalu ezivezwa ukubhala uxwebhu lwezikhalazo ukurhoxisa ngayo. Noko ke, iibhanki kunye abaqokeleli aqalile Bathi e ngale isiphazamiso ndlela yenzekile. Oku akunjalo. I-Code Civil ngokucacileyo ithi ukuba angaluphazamisa kwenzeka kuphela xa obolekayo isivumelwano ngokupheleleyo nazo zonke iimfuno endodeni. Ukucinywa komyalelo wenkundla ingqina nje nayiphi ingxabano.

Yintoni eyabangela abanayo ngummiselo ukulinganiselwa

Zininzi iingxabano zembambano ngaphandle ngummiselo ukulinganiselwa. Umalunga ekukhuseleni amatyala anxulumene kukhuselo imbeko nesidima, intlawulo yomonakalo yokuziphatha izenzo ekhubazekile. Lelo lungiselelo yenzelwe, ngaphezu kwabo bonke, phezu ukhuseleko ngokwasemthethweni ngummi, ubuntu bakhe, ngokutsho siseko, iindibano ngezizwe kunye nezivumelwano. Oku kuyaqondakala: umzekelo, abantu baye bafunda kweminyaka emithathu kamva ukuba sele lanyeliswa. Ukuze wokubanjwa kwabenzi izityholo zolwaphulo-mthetho akusekho kunokwenzeka, ukuze amnike isohlwayo kakhulu. Nangona kunjalo, oko akuthethi buhlungu ukuba uqhagamshelane ixhoba ukuya enkundleni ukwenzela uxolo esemthethweni asuka umoni. Kwakhona unalo ilungelo lokufuna ukuba imbuyekezo umonakalo yokuziphatha.

Imiphumo kokuphela kwethuba nciphiso

Thina ukuhlola indlela kokuphela iimfuno ukufaka isimangalo. Kwenzeka ntoni kulo mzekelo, umzekelo, isivumelwano semali-mboleko? Emva kokuba bonke abantu zomthetho ongenalungelo ukubuyisa ixesha phantsi kwazo zonke iimeko. Oku ngokuthe gca kwi-Code Civil. Abantu abaninzi bacinga ukuba xa umbutho ebhankini okanye yamatyala esekhefini ixesha umda sokubuyisela ngokusebenzisa inkundla, ngoko kukho isiqabu kwetyala. Enyanisweni oku akuyonyaniso: nangona elimisiweyo zokwamkelwa ukungeniswa ukuya enkundleni, umboleki ugcina ilungelo neemfuno zawo amatyala. Oku kuthetha ukuba umntu onetyala nangoku igcina le status. kuphela plus - awukwazi ukumangalela kwakhe. Ekubeni recovery ngenkani kwepropati, kubandakanywa ukubanjwa kunokwenzeka kuphela ngenxa bailiffs isigqibo senkundla - iibhanki kunye nabaqokeleli kuphela ithuba esivakalayo 'wakhuphe "ityala, kule meko - ukulukuhla unetyala ukubiza isazela sakhe. Abemi abangamaziyo imithetho, "ukulumkisa 'ukubanjwa mhlaba, nangona wazi kakuhle ukuba akukho ukubanjwa ngokusemthethweni akakwazanga ukufumana, kwaye ukuwa ezingagunyaziswanga phantsi nobutyala.

Ngenxa umthetho, kukho ityala bhala-off ukuba bonke lixesha kangangoko kunokwenzeka kwizivumelwano zeentengo zemboleko eyadlulayo. izenzo ezinjalo ngokuzithandela, ukuba abayi kumGaqo mthetho. Oku kuthetha ukuba iibhanki ungakwazi noba ukubhala off ityala, kungekhona ukwenza. Nangona kunjalo, kwimeko yesibini, ipesenti ukuchacha iphantsi kakhulu. Ehlawulweyo nokuba abemi abazi kunye noxanduva ubukhulu becala abo ufuna ukufeza iimfanelo zabo, esazi ukuba akukho ezingalunganga ukubanjwa propati akayi, nokuba ngokusemthethweni abemi abangafundanga - abazi ukuba akukho izohlwayo ayikwazi. Ngamanye amaxesha abo nje andifuni anokuphazamiseka ucingo, iileta kunye notyelelo.