Ummiselo yokwala netyala: kokubonisana igqwetha

Ukuba ubolekayo liyayeka ukuba uhlawule ezinye iintlawulo zokubambisa xesha, iziko logcino kwiinyanga ezimbalwa uqala ukuthatha amanyathelo ukuze ahlawule ityala. Kodwa wenza oko kuphela kwingongoma ethile. Ummiselo ukulinganiselwa kwi netyala iphelelwa xa iziko mali osele ezama ukubuyisa imali yabo. Waqhubeka iminyaka emithathu. Nantso indlela ixesha elininzi inikwa umbolekisi okuhlawula ityala. Kodwa oko mzuzu nje kuqala? Kwaye ke umboleki isongela non-ekuhlawuleni imali-mboleko?

nokuba ibhanki na onako ukuxolela ityala?

Imeko yezimali yomntu nga ngesiquphe zimbi. Izizathu zoku baninzi: ukugula, ukulahlekelwa ngumsebenzi okanye ezinye iimeko. Kule meko, abantu abanengqondo, njengoko umgaqo, bakholisa ukuba anciphise imali yabo. Kodwa njani kuza indoda izihlandlo kakuhle ngakumbi ukugqiba izivumelwano omnye okanye ngaphezulu, kunye nokungakwazi ukuzalisekisa iimfanelo yenza ubomi bakhe kunzima? Kuba kubaboleki kabani imeko yemali kangangeminyaka eliqela akubi ngcono, kunikelwe mthetho, njengako iibhanki awavumelekanga ukuba kumphazamisa emva kwexesha elithile emva kokuba intlawulo yokugqibela imali kwi-akhawunti yakho. Ngaba ibhanki ukulibala ngabo unatyala lingakanani na?

Isibakala sokuba ngummiselo yokwala netyala lesikolo lithatha iminyaka emithathu, yonke ubolekayo uyazi. Noko ke, ngenxa yezizathu ezithile, phakathi iingcali akukho Asikavumelani oko ukhombe kuyimfuneko ukuqalisa Countdown. Ukongeza, phantse zonke iziko kwetyala kusetyenziswa ukutolika ummiselo yokwala netyala (Civil Code, ubugcisa. 196) ngendlela yakhe.

ukwenza Countdown Ukusuka ngowuphi umhla?

Lo mbuzo uthanda impikiswano. Okokuqala kufuneka wazi ukuba ixesha elimisiweyo ungaqali ukususela kumhla nowokupheliswa isivumelwano kunye ebhankini. kubaboleki abaninzi bakholelwa ukuba ummiselo yokwala ityala ngetyala kufuneka ingqalelo ukususela kumhla xa mboleko leyo ifunyenwe. Kwaye ilapho impazamo enkulu. Iinkundla ngokufuthi axhomekeke lungiselelo, njengoko apho ixesha uqala esithile ukususela kumhla intengiselwano yokugqibela, oko kukuthi - ukususela kwimini xa umboleki wenze intlawulo yenyanga kwi-mboleko ngenxa yenu kule mihla yokugqibela. Kwesi sikhundla, izisombululo badla, leyo zikhutshwe yiNkundla ePhakamileyo kunye Ephakamileyo yoLamlo INkundla Russian Federation.

enye imbono

Kodwa kwilizwe lethu kusekho ezininzi izenzo zamaziko enkundla, evakalisa ukungavumelani nale ukutyhilwa kwalo. Ethetha Art. 200 of the Code Civil, bexabana ukuba ummiselo yokwala ityala ngetyala kufuneka ekuthini ukususela kumhla leyo ebangela isiphelo isivumelwano ngamnye kunye elunxwemeni. Ngenxa yoko, ngenxa yokuba ibango enjalo ukuba umboleki wakhupha-mboleko iminyaka emithandathu, kodwa sele wayeka ukuba uhlawule unyaka emva kokuba igqityiwe, iminyaka esibhozo kuphela ligqithile ngummiselo yokwala netyala kuye.

aphili

Kufuneka ke ukuba indawo yobunkokeli enjalo, hayi zonke iinkundla. Kwaye Countdown lwenzeka kuphela kwezo ngokumangalelana apho sithetha ngalo ityala kwi-mboleko ngemali kuba amakhadi basoloko ngokusisigxina. Kodwa ukuba kunjalo, ukuba umntu ngummiselo yokwala netyala liye laba indlela kuphela kule meko, kwaye inkundla uthathe isigqibo esinzima kuye, ungasoloko ubala ngesibheno.

Ukuba inkundla ubeka a ixesha umda, kodwa iyenza, sithabathela ingqalelo zonke ulwalamano umboleki kunye ebhankini, eziye zenzeka emva kokugqitywa ngokwesivumelwano setyala. Kufuneka kukhunjulwe malunga ezithile bokuqonda. Ukuba ngexesha isivumelwano semali-mboleko ukuba onetyala amanyathelo isicelo enkundleni ngenxa ngokutsha okanye isicelo, ukuphunyezwa edla kunceda ekunciphiseni ngengxaki yabantu, abakwazi ukuba negalelo imali kwi-akhawunti, into yokuba oku kuthintela ummiselo ukulinganiselwa. Kutheni le nto isenzeka? Inyaniso yokuba, njengokuba umthetho, naliphi na iinzame kuthethathethana ebhankini, iquka ukwenza ubuncinane isixa umqondiso score ngetyala. Yaye ukuba akuzange, entendelezweni nkqu isibakala yeziko mali kunokubonwa njenge intlawulo yokugqibela, iqala Countdown kuyo.

Oko aluchaphazeli ikhondo lobomi?

Kufuneka kuqatshelwe ukuba izenzo ezithile iibhanki sinokunyangeka akukho ndlela kuchaphazela ukusekwa komhla ibala thuba. Ezo zinto ziquka, umzekelo, iphathelene zokuthengiswa wabaqokeleli-matyala. Nangona amanqaku kweKhowudi Civil, ekubhekiselwe kuwo ngasentla apha, kunzima ukumisela umhla eqala kwixesha ukumiselwa-mboleko. Bar Council, mhlawumbi, i inyathelo elungileyo singawusombululi lo mba. Musa bathembele kwiziphakamiso non-iingcali, ukugcinwa apho mandundu kuphela imeko onetyala.

Kwenzeka ntoni xa ngummiselo yokwala netyala iphelelwe lixesha?

2015 - ixesha nzima ngokwezoqoqosho iRashiya. Kwiminyaka nje embalwa ngaphambi kokuba ebizwa iingxaki kwamaziko zebhanki ukungena kwizivumelwano mboleko kunye nabathengi yayo ngomlinganiselo omkhulu. Iimfuno kubaboleki ezinokubakho ngexesha yagqabhuka ephantsi.

Kodwa ke imeko yezoqoqosho ezingazinzanga kweli lizwe kwakhokelela Ukonakala kakhulu izinga lokuphila luninzi lwabantu. Intswelangqesho liye landa, amaxabiso wavuka iimveliso. Kuba amaRashiya amaninzi, intlawulo yenyanga kwi-mboleko iye luxanduva. ukunyaniseka lwakutsha kweebhanki ngayo iinkonzo zabo wajika ukwanda wamazwi kwi-mboleko eseleyo. Phantsi kwezi meko, kubaboleki amaninzi axhomekeke ngummiselo engumzekeliso yokwala netyala. Emva kwetyala, bakholelwa, onke amatyala ziya kubhalwa, yaye ubomi iqale ekuqaleni. Noko ke, le mbono impazamo gross.

Kokuphelelwa kwexesha seminyaka emithathu, emva koko uyayeka ibhanki zifune imali yabo, kodwa uthi onetyala kwavela ingxabano protocols. Kuyo, kodwa kwakhona unyango lwe umboleki-mali uze enkundleni, kwaye mboleki ukuze ucacise. Kokuphela kwexesha yebango akasibandezi ibhanki ilungelo lokuba abize bazikhumbuze izibophelelo. Kodwa kwiimeko ezinjalo onetyala inikwa indlela yokunganyangeki. Oku ingxelo malunga ekurhoxisweni data zobuqu.

ukuthengiswa yetyala

Emva kokuba ibhanki ulahlekelwa ithemba ukubuya imali yabo sokuboleka aqale ubomi abukho lula. Amaziko amaninzi zemali zaziwa ukuba bakhetha ukuba sithengise i kumatyala kwi-arhente yokuqokelela. Ukuxoxa nabasebenzi le mibutho - akumnandi. Uyazi oku, nkqu lowo akangenanga sivumelwano semali-mboleko. Malunga kakubi aba bantu badla ngokuthi kumabonwakude, kumaphepha-ndaba kunye sites iindaba intanethi.

Abaqokeleli ingenguye kwiinkundla emva kokuphela kwethuba yebango, kwaye nendlela kuphela ngabo uba uxinzelelo yokuziphatha phezu komntu onetyala. Umntu ochatshazelwa unxibelelwano kunye nabasebenzi ezinjalo ngoko nangoko qhagamshelana amapolisa. Ukuba kukho phezu isicelo esifakwe ngezizathu zokuziphatha gwenxa, abaqokeleli, musa kusabela, ungaphelelwa lithemba. Inyathelo elilandelayo ukuba ndibhenele nomtshutshisi.

Ukuxhatshazwa kwamalungelo mboleki

iklayenti Bank owenza imali-mboleko, unoxanduva kulo. Kwiminyaka yakutshanje, ukungahlawulwa zokuzibandakanya eninzi. Le iwayini kuphela kubaboleki kodwa imizi egcina imali, kwaye urhulumente. Noko ke, kwezinye iimeko, non-intlawulo yetyala ixhomekeke ngokupheleleyo elunxwemeni umthengi lowo. Kwiimeko ezinjalo ziquka iimeko zobuqu okanye ubuqhophololo ngokuphandle. Umboleki kufuneka bazi ukuba xa uthabatha ikhredithi, kwaye ekuqaleni wayethembe ukuba ithuba intshontsho yintoni negalelo umthetho kwixesha lilinganiselwa, umngcipheko kokuchitha liability lolawulo kwaye mthetho. Isigwebo ejongene onetyala - ingqokelela asethi. Kodwa umthetho ubonelela ngamanyathelo engqongqo ngaphezulu.

umthwalo mthetho

Ukuba umxhamli yebhanki wakhupha-mboleko kwi-ukhuseleko, imfanelo yolwaphulo swi ukusongela kuye. Kwimeko non-yentlawulo yonke lisiwa ihamile. Nangona apha, ngaphandle iminyinyiva. Ukuba athimbe indlu le unetyala, yaye ibhanki hayi, ukuba ilifa lokwenene kuphela. Ezi nketho iimeko apho ubuqhophololo ibonwa ngezenzo onetyala ngayo.

Qonda ukuba umboleki ukuba yayikhokelwe iingcinga ezimbi, ukuba ukufumanisa akunzima. Ukuba, emva kokuba kuqhutywe imali-mboleko, yena efihlakeleyo ngabom, oko engathethi kwityala lakhe. Kuxhomekeka kwisimo esithile, sokuboleka angagwetywa yabasebenzi zokulungisa kunye nokuvalelwa entolongweni iminyaka emithathu. Nangona kunjalo, manyathelo zobuqhetseba ezifana kusebenza kuphela xa kuthe kwaba ubunyani nokutyiwa kweemali yebhanki.