Ukuba akukwazi ukuhlawula imali-mboleko, ukuba benze ntoni? Iholide credit. Umthetho "On Insolvency (wokuphelelwa)"

ukubolekisana kwimarike eRashiya uyakhula rhoqo. inani mboleko ezingaqhubi kakuhle landa kunye nayo. Okuya uba mkhulu umsantsa imali-mboleko kunye Okona kulityaziswa, kokukhona umthwalo client. It is a isangqa eqhubekayo. Ukuba umxhasi ayihlawuli mali-mboleko ixesha elide, oko bafaka isimangalo nxamnye naye. Ngaphandle isizathu ukuze akhusele ukuma ukubambezeleka iya kuba nzima kunene. Indlela yokuphuma ematyaleni?

memo ungumsebenzi

Xa umntu efaka isicelo inkqubo mboleko ebhankini, oko malunga nemithombo kuya kubuyekeza: imivuzo, imihlala-phantsi, impahla kuhlehliselwe. Noko ke, iimeko ezingalindelekanga ezinokuvela konke konke. Loo yeentengo zemboleko abe ngumthwalo, kuyimfuneko ukuba athathe amanye amanyathelo kwangaphambili. Kungenjalo uya kufuneka adala ubuchopho babo efuna impendulo lo mbuzo: "Ukuba awukwazi ukuhlawula imali-mboleko, into omawuyenze," Yintoni na Sicebisa kule meko?

Okokuqala, musa ukulibala ngayo ityala. Nokuba emnyango awuthethi nto kubiza nabaqokeleli, ibhanki iya ibize inzala kunye nezohlwayo. Imbali Credit isihla ngokuhla.

Okwesibini, musa ukudibanisa abasebenzi yebhanki. Kungenjalo, uya kukhawuleza kuwela kudidi icebo, hayi abathengi umthetho.

Okwesithathu, zama nokungoyiki. Ewe, nguye lo meko akumnandi, ukuba abasebenzi zebhanki loyikiswa ngesenzo yinkundla. Ityala kwi mboleko - yinto ingxaki zemali. Xa loo meko akukho ncam kufuneka ukukhupha imali-mboleko entsha ukuhlawula endala. Kufuneka ukuba bagxininise thethwano kunye ebhankini uze uzame ukuba kuziswe ityala enkundleni.

Indlela ukwakha incoko?

Ukuba intlawulo yetyala kokwexeshana kwaye edibene umsebenzi utshintsho, kubhetele ukuthetha-thethana ishedyuli sentlawulo entsha. Iinkcukacha ezithe vetshe ukuba amalungiselelo njani iholide ngetyala, ufunde.

Ukuba ingxaki kwiimali ngokukhawuleza isonjululwe, kuyimfuneko ukuba ukucela ibhanki kwenziwe ngokwemigaqo yesivumelwano kunye nokubonelela amaxwebhu engqina amatyala ka (kagqirha, isiqinisekiso sokuzalwa / ukufa, t. E.). Kananjalo kuya kufuneka ukuba bacacisele yebhanki apho imali kufumaneka emva kwexesha. Okokuqala, cela ngcono ukuba ihlehlise seenyanga 2-3. bank Onyanisekileyo akanakuhlawulisa izohlwayo ukuba yanelisekile ingqibelelo client. Kwimeko ukophulwa of agreement iminyinyiva entsha esuka ebhankini, ungakwazi ukulibala.

ngokutsha

Ukuba akukwazi ukuhlawula imali-mboleko, ukuba benze ntoni? Ungazama-thethana nabathengisi-hlengiso ityala, okanye "kwakhona" iimeko zemboleko. Umgaqo osebenza ngayo ncam. Kufuneka ubonise ubunyani amatyala ngaseludinini ngenxa yezizathu elungileyo, ukuze achaze apho imali iya kuba ekuhambeni kwexesha. umbutho Credit unomdla imali. Ukuba ibhanki iya kuqonda ukuba uniphethe umthengi bona fide, uya kunciphisa zesixa sentlawulo, kwaye wandise ubomi kwekhontrakthi.

Isiphumo ngokutsha kuxhomekeke igama zabathengi ingqondo. Yomboleki yeentengo zemboleko ngo-20 amawaka. Thambisani. Ukwandisa ukusebenza iminyaka emi-3. Ingakumbi ukuba kwaziwe ukuba umthombo wengeniso iya kuba-mboleko entsha.

credit iholide

Ukuba akukwazi ukuhlawula imali-mboleko, ukuba benze ntoni? Esinye sezisombululo le ngxaki abe uyilo "credit ikhefu." Yintoni na? ukutolikwa Official eli gama na abhalwe kule iqhekeza umthetho, kodwa iibhanki badla ngayo ukunxibelelana kunye client. Ikhefu credit - a nokubambezeleka intlawulo kwi-mboleko, kuhlaziywe ucwangciso lokuhlawula ityala. Le nkonzo inikezelwa kuphela mboleko ixesha elide (nezivumelwano zokubambisa yaye i-mboleko zemoto). Umthetho "On abaLawula (wokuphelelwa)" inikeza iindlela ezimbini "credit ikhefu." Ngamnye kubo uneempawu zawo.

Zalisa ulibaziseko ukuhlawula imali-mboleko ngaphandle kokutshintsha imiqathango yesivumelwano enikiweyo kanye lonke ixesha imali-mboleko, yaye ngokufuthi ngentlawulo. Isiseko ezi "iholide 'abe nesizathu ezilungileyo, kuba qinisekisa zabhala: ngokonakala impilo, ukugxothwa, etc ...

Bank kukulungele kanye ukuba ukunika umxhasi ukulibaziseka nanonelela ekuhlawuleni imali-mboleko, ngaphandle kokuba intlawulo kwangethuba inzala kwimali-mboleko. Nkonzo kubonelelwa kabini ixesha lesivumelwano ngasinye, kodwa hayi iinyanga ngaphambi kwe-3 emva kokuba isiphelo sayo. Ekubeni inzala ezenza inxalenye enkulu bentlawulo, intlawulo ngokwayo yehliswe kancinci. Ukuba ixesha mboleko lo sandisiwe, ngoko ekupheleni "ikhefu" kwandisa isixa sentlawulo yenyanga. Kuzo zonke iimeko, ukwandisa egqithisileyo iyonke kwi contract.

Indlela yokwenza ulibaziseko?

"VTB" ikhefu yeentengo zemboleko enika emva kokufumana ubungqina imeko enzima zemali. Ezinye imibutho zinika inkonzo enjalo iklayenti, kodwa ibe lidini lentlawulo. Indlela ukuya 'VTB "credit ikhefu? Kufuneka uqokelele uze unikele kwigosa mboleko amaxwebhu engqina imeko enzima zemali, isicelo intlawulo kuhlehliselwe. Emva kokufumana isigqibo esifanelekileyo ukuba asayine isivumelwano supplementary ukutshintsha iimeko zemboleko.

"Ikhefu 'inokuba isisombululo yethutyana, ukuba uthathe imali-mboleko akakwazi ukuhlawula ityala ngexesha. Kodwa ke imiqathango yenkonzo kufuneka ifundwe ngokweenkcukacha ukuze bangene yomsebenzi entsha.

umgodi debt

Ukuba akukwazi ukuhlawula imali-mboleko, ukuba benze ntoni? Into yokuqala ekufuneka sokwehlisa ngokwakhe ukuba kunxibelelana ebhankini.

Ukuba a lot of mboleko, kufuneka uqokelele kwenye, ukuba uhlawule ityala kanye ngenyanga kwaye angemi izohlwayo. Uyakwazi ukubethelela amatyala kunye namanye amaziko ngetyala. Noko ke, umbolekisi omtsha iza kufuna iphakheji enkulu amaxwebhu kunye nentlawulo yenkonzo.

Musa ukubhidanisa mboleko kunye nokufumana imali-mboleko entsha imali. Inkonzo yokuqala inikwa ukunciphisa umthwalo mboleko. Umntu ufumana imali-mboleko entsha amaqondo enzala aphantsi ngqo lokuhlawulwa kwamatyala ubudala.

Umthetho "On Insolvency (wokuphelelwa)" ubonelela ukuba akananto eniza kuyithengisa. Kungcono ukuba umboleki iya kuthatha eli nyathelo ngokuzithandela. Kungenjalo, ibhanki uthengisa ipropati isiqingatha ngexabiso nemakethe.

Kufuneka aqale azise iziko betyala kokuvalwa. Ukuba ukuthembakala ngumthengi kwawasingela phantsi ibhanki ukuthumela ummeli ukuprosesa yingisela. Nto iphosakeleyo ngaloo nto. umbutho Credit inomdla ekusombululeni ingxaki. uncedo Ingcaphephe ukufumana kumthengi kunye namaxwebhu epheleleyo yingisela.

Andiqondi ukuhlawula iimali-mboleko: Implications

Ityala kwi mboleko - yinto ingxaki zemali. Sombulula kube nzima, kodwa hayi akunakwenzeka. Eyona nto ibalulekileyo - musa ukunikezela. Kwenzeka ntoni xa ndingasihlawuli-mboleko maxa onke?

KwezamaTyala uza bandisa ngathi snowball. Maxa wambi, inzala, izohlwayo kunye umzimba mboleko iza kudlula ingeniso. Esalele baye ukuba ukwaluphala.

Maxa wambi, ibhanki iya kuqhagamshelana. Okokuqala, abasebenzi iya tsalela iziko lethu lemibuzo kwaye ke iingcali. Injongo yabo - ukufumana ukuba ukuyibuyisa. Abaqokeleli basebenzisa iindlela lunamandla kakhulu kumsebenzi: ukubiza guarantors, ukusebenza, ukushiya imiyalezo abahlobo bakho omphakathi.

Kwenzeka ntoni xa ndingasihlawuli-mboleko maxa onke? Maxa wambi, loo mba uya enkundleni. Ukuba isivumelwano akuphumelelanga ngoxolo, izizathu ezivakalayo ematyaleni ukulibaziseka hayi, ngoko ukujongana amagqwetha entendelezweni kokukhona yenza mqondo. Zonke iindleko yeengxoxo iya shift ummangalelwa. Emva kokuba isigqibo lamagqwetha enkundla ichaza ipropati kwaye uyibeke esasikwifandesi yokuthengisa.

trial

Enye into, ukuba ukwenzeka ityala isizathu esifanelekileyo. Ukuba ingxelo yezonyango kwi ngokonakala yempilo, okanye ikopi umyalelo ekunciphiseni unako kwaye kufuneka babange amalungelo abo ezibhankini. Ukuba iziko lamatyala ukuba uthathe la maxwebhu ingqalelo, kungcono uye enkundleni ngokwabo. Igqwetha ofanelekileyo kunokukunceda umngeni iimfuno ibhanki yakhe. Kukho into ukufumana amadlala. Insurance zingawisa izohlwayo ngokungafanelekanga phezulu, kunye namaxwebhu walo ulahlekiso. Ukuze ukulwela amalungelo abo enkundleni, yiba nomonde. Inkundla ukunciphisa isixa ehlawulwa ngo-50%, kwaye awanyanzele ummangalelwa ukuba akukho ngaphezulu kwe-20% yomvuzo wenyanga ukuhlawula ityala.