Ngummiselo ukulinganiselwa ngetyala

Mhlawumbi ngamnye kuthi ngaxesha lithile sijamelene ngetyala. Nokuba ufuna ukuba uthenge, okanye ukutshintsha izixhobo ifanitshala, yaye ezinye ngokuya ayikho imali, kodwa ngenxa abo owasinika ibhanki ngamazinga aphezulu umdla. Kodwa asizange sicinge oko; ke ukuba kunyanzela thina? Siye saba imali, yaye ukuba ahlawule kwezinye iimeko, akakwazi: umntu waphelelwa ngumsebenzi, kunye nayo, abanye ingeniso, abanye nje akakwazi ukuhlawula isixa esikhulu kangaka, yaye omnye umntu yaye akazange afune ukuba ahlawule. Kwaba ngoko kuza ixesha xa kuyimfuneko ukuba ahlawule amatyala, okanye yiya enkundleni kunye impendulo ebhankini. Kwiimeko ezininzi, loo nto idla ogqiba imbiza, kwaye oko kuthetha ukuba iipesenti kunyuka aye emazulwini ukuba ahlawule ityala ube ngqiqweni. Ntoni kule meko? Kufuneka usebenzise isizathu esivakalayo sokuba non-ukuhlawula imali-mboleko - ukusuka kwixesha umda imali-mboleko.

Kodwa ke oko akuthethi ukuba impazamo kule nomntu uze ungafumani ebukhobokeni ngakumbi? Kufuneka nje ube nolwazi olunzulu amalungelo abo, usebenzisa lo ummiselo imida kwi-mboleko, nto leyo ebhaliswe Civil Code of the Russian Federation. Kweli nqanaba akukho tyala ngenxa mboleko abangaphezu kwe-12% aba eRashiya. Konke oku kubonisa ukuba lo mthetho ungakwazi basebenzisa inani elikhulu labantu. Lo mfanekiso ubonisa ukuba wonke ummi wesine lizwe abanamatyala, wesibili zonke ezine neengxaki ezithile iintlawulo zemali. Ngoko ke, kufanelekile ukuba bathethe malunga umdla omkhulu kule nkqubo, neye ezininzi.

Nam ndingathanda ukucacisa ukuba - ummiselo yokwala-mboleko? Ku va nkqubo apho ummiselo yokwala intlawulo -mboleko mboleko yiminyaka emithathu. Kubonakala ukuba abo wathabatha ngetyala, ukuze emveni kule kota, nje ukwala ukuhlawula onke amatyala. Kodwa enyanisweni, yonke lo msebenzi ayikho elula njengoko kubonakala.

Oku kubangelwa yinto yokuba ngummiselo yokwala-mboleko inika ezinye bokuqonda enyanzelekileyo. Ngokomzekelo, ngexesha leminyaka emithathu phakathi umboleki kunye umbolekisi kufuneka baqiniseke akukho ubudlelwane akukho nezaziso okanye iminxeba evela ebhankini. Kwakhona ibhanki iya onke amaqhinga ukuze ubekeko ummiselo yokwala sisuke mboleko ayikwazanga ukuyisebenzisa. It edlulisela zonke ilungelo ukuqokelela kubaqokeleli bamatyala, ngubani ubuncinane kanye ngonyaka embhoxo imali ezingahlawulwanga. Ubungqina unxibelelwano wakho ukukhonza kuphela kushicilelo incoko ngomnxeba, kodwa utyikityo, ibekwe akufumana yeleta ebhalisiweyo.

Ngoko njani na eneneni ukubala ukuba ummiselo yokwala mboleko kuwe kanye ngeli lixa. Ibale kuphela xa uyeke ngokupheleleyo ukunxibelelana ebhankini kunye nabameli balo, kuya kuba phezu efowunini okanye baphile - akunamsebenzi. Ngokuqinisekileyo ayikho unxibelelwano! Ke ngoko nje, ukuba ngebhaqo kweminyaka emithathu kamva wafumana umyalelo okubizela enkundleni kwakhona, kuya kuba lula ukuba ufake sibali-ibango, eli xesha nomtsalane umthetho, elibhekisela kwixesha umda imali-mboleko.

Noko ke, asimele siyazikhohlisa kwi-akhawunti yebhanki. Oko asizi ukuxolela ityala lakho, ngoko ke akuyi kufuneka ukuba silinde iminyaka emithathu ukuya kwakhona ubuze ukuba ubuyise ityala. Baya kwenza kube ngaphambili. Okanye ukuba babe neengxaki okungeyomfuneko jikelele ukuthengisa ityala lakho kwenye inkampani.

Ngoko ke exabisa amawaka amaxesha ndicinga phambi usebenzisa ukhetho kunilungele nina. Mhlawumbi iintlawulo ngokuthe ngcembe kuya kukunceda lungisa meko kwaye iya kuba kakhulu unokumnceda imidlalo zakho hide ngakumbi nifune kunye ibhanki iminyaka emithathu. Kaloku, ukuba siphephe iingxaki kunye kwemali-mboleko, ngokubanzi akuyomfuneko ukuboleka imali. Lula ukuqokelela kunokuba ebomini ukucinga malunga nalapho unokufumana imali ukuya extinguishment ityala elandelayo.