Indlela lokuphelisa isivumelwano kunye mboleko ebhankini. nezomthetho

Xa isigqibo lokuphelisa isivumelwano semboleko mboleki liza xa siphulukana ukukwazi ukuhlawula imali (okanye ugxothiwe emisebenzini yabo nezibi). Ngokutsho imithetho, oko kunokwenziwa emva kokuhlawulwa ngokupheleleyo kwetyala. Ngaba kunokwenzeka ukuba lokuphelisa isivumelwano semali-mboleko kunye ibhanki ngaphambi kwexesha? Ewe, kodwa loo nto yenza kube nzima kakhulu.

ongakhetha

Ukuba umboleki sele babezifezile zonke izibophelelo zalo, uxwebhu uthathwa kuzaliseka, yaye akuyomfuneko ukuba ukunyibilika. UMthetho "On nokuKhusela amaLungelo Abasebenzisi 'inika inomnye umsebenzi umdla. Kwisithuba seeveki ezimbini emva kokufumana mboleko yakhe mazibuyiselwe ngokubhatala abanomdla yokomfuziselo. Lo mhlathi akasayi kufuna imvume yangaphambili iziko elibolekisa ngemali. Enye into, ukuba imali ingakhange ihlawulwe ngokupheleleyo. Indlela lokuphelisa isivumelwano-mboleko kunye ebhankini kwimeko enjalo? Ukhetho lokuqala - ngokwesivumelwano zamaqela, okwesibini - ezinkundleni.

ngezizathu

Kanye ukuba uyala ukuthobela kunye nezibophelelo of contract civil akunakwenzeka. Umboleki kufuneka ibe imeko gqithi, leyo wayengazi ngexesha wokutyikitywa la maxwebhu. Ukulahleka eholweni, ngokuba lomxhasi kwaye bakhangele omnye umsebenzi. Ke ukuba kwanciphisa imali kumvuzo, kuyimfuneko ukucela ngokohlengahlengiso lwetyala okanye uthathe imali-mboleko ukuba agubungele mboleko kwelinye iziko.

Indlela lokuphelisa isivumelwano ne-mboleko yebhanki phantsi komthetho?

Ngokutsho Art. 821 of the Code Civil, lo mboleki unakho rhoxisa mboleko phambi kokuba bayalufumana. Emva koko, eli ziko unelungelo lokufuna intlawulo yonke imali yetyala, kuthathelwa imbuyekezo akhawunti. Indlela lokuphelisa isivumelwano unilaterally? Iingcali zithi kwi-Code Civil ibonelela iimeko ezinjalo;

1. Kwimeko ngokutyeshelwa izivumelwano yebhanki (Art. 450).

2. ziqala yeemeko obolekayo akakwazi ukuba ngaphambili.

3. ukuqala kwezinye iimeko echazwe kuxwebhu. Kusenokwenzeka ilahleko izibambiso, iintlawulo ebesilindelwe, njalo njalo .. Kulo mzekelo, ibhanki linganyanzelisa intlawulo yonke imali-mboleko ngokusekelwe ipesenti nemivuzo kunye nezohlwayo.

practice

Ngaba kunokwenzeka ukuba lokuphelisa isivumelwano semali-mboleko kunye ebhankini, ukuba umntu ogula okanye ifumene iqela sokukhubazeka yaye ngoku azikwazi ukusebenza? Ewe, yena nako ngenxa oku kwazi kwangaphambili. Le ndlela yesibini - ukuba iziko lamatyala wenze utshintsho kwisivumelwano ngaphandle thethwano. Olu xwebhu lukho kwiziko qho kwisivumelwano somsebenzi ne sisayinwe ngabameli ngamaqela. Ngoko ke, lonke utshintsho kufuneka zicaciswe kwangaphambili. Kodwa ke amaxesha amaninzi amaziko zemali ukutshintsha umyinge wenzala ngaphandle kwemvume client. Indlela lokuphelisa isivumelwano-mboleko kunye ebhankini kule meko? Faka ibango enkundleni. Esinye isizathu esibambekayo nga fiki ukubonelelwa ngemali okanye ukunikezelwa kwemali ezingaphelelanga.

ukuqala phi?

Ngaba ibhanki lokuphelisa isivumelwano semali-mboleko? Ewe, umzekelo, ukuba ubolekayo ingabuyeli imali kwisithuba ngexesha isakhelo elixelwe xwebhu (ngokuqhelekileyo iintsuku ezingama-30). Ukungathobeli sisizathu esingundoqo sokuba ityala. A into eyahlukileyo kweli xwebhu icacisa ityala unetyala ngayo xa imali emva kwexesha. Emva koko unyanzelekile ukuba ahlawule isohlwayo okanye isohlwayo.

Indlela lokuphelisa isivumelwano kunye mboleko ebhankini? Kufuneka ubhale isicelo ngemali, leyo avakalise ngokusesikweni yeminqweno yabo ucacise izizathu. Ukuziqhelisa, loo iphepha okanye ushiye ibhanki ngaphandle impendulo esemthethweni, mhlawumbi nangoko ugibayo, okanye icebisa amagama engamkelekanga. Ukuba client kwaye ngoko beza bebaleka izohlwayo ezinkulu, iyavakala ukuba alinde de ebhankini akuthethi ukufaka ibango. Unako ukwenza iminyaka emi-3. Kulo mzekelo, eli ziko liya kufuna intlawulo inzala kunye nezohlwayo ixesha lonke.

Indlela lokuphelisa isivumelwano unilaterally?

Wena ukuba uye enkundleni. Kodwa ukuba isizathu kuphela na amatyala ke umboleki, ijaji iza ujike ulandele ziko zemali. Ungazama ukusombulula umba ngoxolo kwaye bavumelane misa ngokutsha mboleko. Kodwa nababolekisi kunqabile swiyimo. Kufuneka wenze ntoni kwimeko enjalo onetyala? Amagqwetha bayacetyiswa ukuba ahlawule phantsi isivumelwano jikelele, linda de ibhanki ukukumangalela. Emva koko bhala ileta ukunciphisa ubungakanani nezohlwayo (izohlwayo sokulibala ezibalulekileyo kakhulu). Oku kulandelwa yinkundla ukuchaza izizathu lokungathobeli uze ucele ukuncitshiswa isohlwayo. umzimba mboleko kunye nomdla bonke kufuneka ahlawule kunjalo. Kodwa kusenokwenzeka ukuba kuncitshiswe iindleko ezongezelelweyo. Ukuba isigqibo senziwe egameni ebhankini, kuyimfuneko ukusebenzisa iingxelo ezintsha ezimbini: kokuhlala seentlawulo izigqibo sothimbo isavenge.

kileyo

Kwiimeko ezinjalo, i lommangali yi ziibhanki. Kwaye isizathu kuphela .Ngokungagqibekanga abanamatyala mboleko akukho umthombo wengeniso. Ngoko ke, inkundla kuthatha icala iziko lemali. Kodwa ke kukho iimeko ezimbalwa ukuya mthetho.

1. Ukuba ibhanki uphelisa isivumelwano semali-mboleko unilaterally, akukho nto amnike ilungelo ukuze kuqatshelwe mali ngaphambili kuhlawulwa zophuculo sikweni (Art. 313 we-Code Civil). Umboleki zingabela yokwenza izibophelelo kwiqela lesithathu, ngaphandle kokuba isivumelwano ibonelela ukuba unyanzelekile ukuba ukuhlawula amatyala ngokobuqu. Kulo meko, ibhanki akakwazi ukwenza ibango ukuba isibophelelo ayifakwanga sizaliseke ngokupheleleyo.

2. Ukwandisa umdla unilaterally, xa kuthe zokugxojwa ngokwemiqathango intlawulo yetyala ngokungekho liziko zemali. Inkundla ukunciphisa le mali esekelwe isicelo yommangalelwa.

3. ukwala Ibhanki ukuba ukuzalisekisa izibophelelo zawo. Naxa meko, lo mboleki kufuneka ukuhlawula imali-mboleko, ahlawule inzala kuyo ze zihlolwe isohlwayo. Noko ke, isohlwayo uya kuphelela kumhla kwicala isaziso ngokusesikweni umboleki. Kakade ke imali ayikwazi ingqalelo zophuculo sikweni, njengoko umlinganiselo isivumelwano semali-mboleko zange ayeke. Oko kukuthi, emva kokupheliswa kwesivumelwano ngokusebenzisa ebhankini iinkundla banokuqokelela ukusuka umboleki isixa ityala kunye nenzala ethe ukuya kumhla isigqibo.

4. Art. 310 of the Code Civil and Art. 29 "uMthetho Banking" ubonelela ukuba iziko zemali ingatshintsha imiqathango yesivumelwano unilaterally, ukuba zinikwe kuxwebhu. Kodwa utshintsho ziya kuqwalaselwa ezisemthethweni ukuba ukuthobela imigaqo okholo elungileyo. Umzekelo, ukuba ukwanda umyinge wenzala emva kokuba imali yentlawulo kune-40% yengeniso yenyanga umboleki, inkundla ingathatha loo utshintsho engamkelekanga.