Wokuphelelwa: amanqwanqwa, iimpawu, ngokoMthetho

Kumthetho Russian kukho udidi osemthethweni, njengoko ungonakala. Imimiselo ezifanelekileyo izenzo regulatory kunokuquka amaqumrhu ngokomzimba zomthetho. Zeziphi ezi nkcukacha iinkqubo ungonakala ukuba zombini iintlobo amaqumrhu asemthethweni?

Yintoni ungonakala

Le mbono "ungonakala" Inokuchazwa ngeendlela ezimbini.

Okokuqala, lo gama iqondwe njengelizwe apho umntu onetyala ezisekelwe kwindlela yokugweba njongo, akukho ithuba lokuba bahlale kunye nabo abatyalayo. Isifundo kwamatyala isikakhulu - mboleko yebhanki. Kodwa nako mboleko enikezelwa, umzekelo, umbutho microfinance ukuba akanayo ilayisenisi banking okanye umntu yabucala. Isifundo recovery nako kuba nembopheleleko ngummi okanye umbutho evela kwiintlawulo kunyanzelekile ukuba kaNondyebo kaRhulumente (umzekelo, iirhafu, isondlo kunye nezinye iintlawulo).

Okwesibini, ingcamango yokuba imilinganiselo esinxulunyaniswa kunye nenkqubo, apho amatyala yomboleki yaba ngokusemthethweni. It is hhayi ngaphandle ukuba eneneni igqitha imeko yezimali yonetyala nokuba ngakumbi lula. Oku kubangelwa, umzekelo, into yokuba umbolekisi baya kuvumelana ukuba ingxenye netyala. Ukubonelela kungeko amabango ukuba umboleki okanye ukunciphisa iimeko yesivumelwano soqhawulo iintlawulo kwi nqanaba imilinganiselo singenziwa kuyo.

yowiso mthetho Russian yenza kube lula ukuba abantu zomthetho, yaye, kutshanje ngakumbi yaye abemi ukuba basebenzise le nkqubo. Ababoleki abafumana ubunzima eziqalisa inqubo yimali, uyakwazi ukubala ngokutsha, ukuba ityala bhala-off ngendlela emiselweyo kuwiso-mthetho. Kulo mzekelo, ubume abantu ongenamali zendalo okanye umbutho bengekho okwangoku xa ibonisa amanyathelo afanelekileyo, yaye kwinqanaba lokugqibela inkqubo yonxibelelwano kunye endodeni. Isigaba sokuqala sale ungonakala akazange athi ukuba umboleki kufuneka ukuba kuthiwe utshonile.

Isidima ongenamali phantsi kwemithetho

Kodwa ziziphi iimpawu ubume "ongenamali" phantsi komthetho Russian? Eqala ukuba likwazi enkundleni izibakala ezibonisa ukuba umntu okanye umbutho engafanelekanga alinako ukuhlangabezana isicelo otyalwayo, kanye phantsi kweemeko ngokutsha kunye nezinye izibonelelo ezinokufumaneka. Kulo mzekelo, msinyane nje ukuba zonke nenqanaba ezikweletini, umntu okanye inkampani ukufumana iwonga elilinganayo, kwaye amatyala zibuyiselwe ngenxa intengiso kwipropati umboleki.

Ngoko ke, umntu okanye umbutho uqalise inkqubo ekuthethwa, apho ekuqaleni akujongwa obangwe ukusuka kwindawo esemthethweni umbono. Kodwa ukuba ngalo naliphi na inqanaba lenkqubo yimali, kuvela ukuba ngokwenene abakwazi inkonzo kwetyala kwi ngokwemigaqo eyamkelekileyo iimeko umbolekisi, ekugqibeleni umntu yokufumana imeko efanelekileyo. zaba ke wathi yayiwa ngokusemthethweni.

Cinga indlela ibakala amatyala (ungonakala) kwimeko ukuba umboleki - umntu wemvelo. Kusenokwenzeka ukuba kuqatshelwe ukuba umthetho Russian kummandla lobudlelwane yolawulo lwamatyala kunye nxaxheba ngabemi nomba ingqalelo amatyala zabo zemali - kahle entsha. nemithetho ngaphambili ulawulwa ngokupheleleyo kuphela imilinganiselo eentlangano.

Iimpawu inkqubo ungonakala ukuba abantu

Ukuqaliswa kwenkqubo umbuzo luqala yonyango onetyala okanye otyalwa kwinkundla. Kwezinye iimeko, inkqubo kwakhona adityaniswe-arhente zikarhulumente. Ehambelana Ingxelo ummi kufuneka enze isicelo yokuhlala. Kweli nqanaba, ityala ogcweleyo kufuneka 500 lamawaka. Engange kunye nangaphezulu. Enye bemfuno iyafuneka nokuqaliswa lokungaphumeleli iinkqubo - intlawulo asemva iinyanga ezi-3.

Emva kokufumana isicelo kummi, inkundla esiqinisekisa ukunyaniseka kwayo. Ukuba isibheno ihambisana nomthetho, kwaye loo mntu unalo sokunqaba kwabasebenzi ukuhlawula, ngoko ke ndaqonda inkqubo zohlengahlengiso lwamatyala, nto leyo ithetha lula umthwalo yemali mboleki. Abamiselweyo umphathi wezezimali oya kujongana nemiba efanelekileyo kuzo zonke izigaba ezingundoqo zale nkqubo echaphazelekayo. Wenza umsebenzi bakhe ezamahala; kuba kubhaliwe bekumele ukuba ahlawule isixa esiqingqiweyo ukuba umboleki amawaka 10 engange, kwakunye transfer-2% ye-mali, nto leyo ekugqibeleni iya kuxhuzulwa ukusuka onetyala ogwetyelweyo otyalwayo ... Igosa lezeMali abakhwetha isigaba esilandelayo yimali, ingakumbi intlanganiso Iwabantu abatyalwayo. amalungu alo ukuba zenze amabango irejista nxamnye unetyala.

Wokuphelelwa abantu bendalo: izithintelo

Citizen ezilandelelanayo emva kokuqaliswa kwenkqubo imilinganiselo nokwamkelwa isicelo ahambelanayo yinkundla ngokungqinelana nomthetho, akakwazi ukuba yinxalenye iintlobo ezithile bezomthetho. Ngakuwo limisela inani nezithintelo umsebenzi ethile yoluntu. Umzekelo, onetyala zinokungagqithiseki impahla isakhiwo capital isabelo inkampani, ukuba asebenze ungumthengi izabelo okanye izikhonkwane kwiinkampani. Obolekayo kwakhona Akuvunyelwe ukungena nolwalamano esemthethweni ebandakanya intengiselwano ukuba yobume kwezibonelelo. Umntu akakwazi ukuthenga nokuthengisa izibambiso, iimoto okanye enye impahla, ukuba kubalulekile ngaphezulu kwama-50 amawaka engange, kwaye ukutshintshela ipropati yakho njengesiqinisekiso - .. Ukuba umphathi zemali akayilandeli umsebenzi ochaphazelekayo. It akanalo ilungelo lokuba abe iwonga umbolekisi inxaxheba kulungiselelo kweziqinisekiso.

Eli ngokutsha

Ukuba sicinga nqanaba ezingundoqo ungonakala ngokwemigaqo recovery yezimali ye onetyala, kuquka abo uhlengahlengiso nga enokuzichongela. Lubonakala yi ezi mpawu zilandelayo:

- abize nayiphi na inzala, iimali isohlwayo, kwakunye izohlwayo okanye izohlwayo liyayeka;

- amanyathelo zokunyanzelisa (ukuba ikhona) iya kurhoxiswa ukuba yinxalenye yeemfuno zingafakwanga isondlo, imbuyekezo ngenxa yomonakalo okanye imbuyekezo kwepropati ukusuka ilifa mthethweni;

- amabango swihlawulekisi zemali 'zithiwe thaca enkundleni.

Xa isebenze inkqubo yohlengahlengiso, umphathi-mali kunye nabo abatyalayo banelungelo into yokuba umngeni yoluntu-mthetho imicimbi ye mboleki kwenziwa ngabo iminyaka emi-3.

isicwangciso sohlenga

Ilungu ibalulekileyo ngokutsha - isicwangciso efanelekileyo. zingenziwa ukuba onetyala lunomvuzo rhoqo, ayiyi ngaphambili phaya ngendlela emiselweyo yimali kwaye ayenziwanga enetyala-mthetho kwezoqoqosho. Esi sicwangciso ngawo, iquka iinkcukacha ngokuphathelele ubukhulu, ixesha ngokosuku ubuchule.

Ubude liphezulu ukuphunyezwa kwesicwangciso ngokutsha - iminyaka emi-3. Uxwebhu ehambelana lidla zabuya ulawulo lwemali, yaye oko kufuneka ivunywe yi babatyalayo. Emva kokuba isicwangciso ekuvunyelwene nabo nxaxheba zomthetho nezobudlelwane, oko upasisiwe imvume enkundleni.

Ukuba uxwebhu umbuzo, engavunywanga kumyalelo lusekiwe, i ummi kule meko kufuneka sibhengezwe yimali. Kodwa ukuba isicwangciso samkelwe zonke izifundo ubudlelane zomthetho kwi-sikhokelo ngenkqubo ukuqondwa umboleki utshonile, oko kukhatshwa osemthethweni:

- ababolekisi ayikwazi ukutshintsha iimfuneko sokuboleka, leyo yamkele isicwangciso, kwaye banelungelo lokufumana imbuyekezo ngelahleko ezihamba ukwamkelwa kunye nokuvunywa njengoxwebhu;

- ukuba inkundla uthathe amanyathelo ezithile ezinxulumene isicelo otyalwayo yokugcina, zibizwa irhoxisiwe;

- naziphi na izohlwayo ezibekwe ukuba bokusilela ukufezekisa imisebenzi iyanakanwa kwisicwangciso ngokutsha, njengoko irhoxisiwe;

- isixa ityala umboleki kwandisa correlatively kunye izinga ekukhutshweni kwemali (kwi ekhulwini ngalinye ngonyaka), kunye nokunciphisa kunokwenzeka kwexabiso ahambelanayo xa ukudidiyelwa amaqela.

Isicwangciso ngokutsha unalo ixesha ngokucacileyo kubulawa. Kwinyanga ngaphambi kokuba liphelelwe Igosa lezeMali Solungiselela ingxelo, nto leyo ibonisa indlela kakuhle igcinwe ingqeqesho yokuhlawula umboleki kwi xwebhu. Ukuba umntu akakwazi ukuhlawula ityala ngokungqinelana nesicwangciso, babatyalayo, kwaye umphathi, angafaka isicelo enkundleni ukubuyisa xwebhu.

Le Nkundla, wabancina, njengommi kungafezekiswa kweemfanelo zalo phantsi isicwangciso, wenze isigqibo malunga nokuzaliswa kwale nqanaba ezikweletini, njengoko ngokutsha okanye eso sithembiso uxwebhu kwaye baqaphele kungagqitywanga mboleki.

ukuqaphela ungonakala

Ngoko ke, ukuba icebo kuthethwa azenziwanga onetyala, inkundla kusenokwenzeka ukuba lokuvuma ummi ubume ongenamali. Emva koko, izibophelelo yomboleki ukuba abatyalwayo kufuneka zifikelelwe intengiso impahla yayo. Kulo mzekelo, kukho iindidi zeepropati ukuba ayikwazi wachacha.

Ukuba inkundla wamkela yimali, isigaba esilandelayo ngemisebenzi amaqumrhu asemthethweni abathatha inxaxheba unxibelelwano echaphazelekayo iya kuphunyezwa kwisithuba seenyanga ezi-6. Ngeli xesha, ummi unokufumana i ukuvalwa zokuhamba aphesheya. Kwakhona, ezinye ingase kunyanzeliswa malunga nemisebenzi yayo. Umzekelo, umlomo kuvulwe akhawunti kunye needipozithi zeemali ezikhuphekayo xa credit kunye namaziko zemali. Ugunyaziwe efanelekileyo makanikelwe kwezezimali.

Imiphumo imilinganiselo ukuba abantu

Ubungakanani ngummi nga basebenzise amalungelo abo emva pass onke amanqanaba awile? Ngoko ke, kukho inikwa inani bokuqonda yokungena kwabantu nobuhlobo ethile. Umzekelo, ukuba umntu ovakaliswe ongenamali kwisithuba seminyaka-5 emva kokugqitywa nkqubo iya kufuna ukuba uthathe imali-mboleko, oko bekuya kufuneka azise umbolekisi ngesimo sabo. Kwakhona phakathi kwiminyaka emi-3 emva kokwamkelwa ummi amatyala mali akakwazi ukubamba izikhundla eziphakamileyo kubume ngabalawuli bombutho.

isivumelwano lwabahlali

Omnye bokuqonda langutana oluphawula nkqubo, imilinganiselo - isivumelwano zokuhlala. Inokuchazwa ngeendlela ezimbini.

Okokuqala, esebenzisa yesivumelwano soqhawulo a otyalwayo kwaye unetyala angavuma ukucima ityala. Okwesibini, amaqumrhu asemthethweni afanelekileyo banelungelo umkhwetha kurhoxiswe zingekho. - enkundleni. Kulo mzekelo, lowo ubolekayo iyaqhubeka inkonzo kwetyala kwi ngokwemigaqo eyamkelekileyo endodeni.

ungonakala of amaqumrhu asemthethweni

Siye ngokutsha imiba ephambili okuluphawu imilinganiselo (iqonga kangangoko kunokwenzeka, abathathi-nxaxheba iinkqubo) isicelo abantu bemveli. Ngoku sifunde Okukodwa ingqalelo amatyala zemali eentlangano.

Kusenokwenzeka ukuba kuqatshelwe ukuba ezi zigaba eziyintloko imilinganiselo of amaqumrhu asemthethweni iyonke idibana nabo leyo uphawu neenkqubo ezifanelekileyo ukwenzela inxaxheba yabemi. Kuzo zombini ezi meko, ubuninzi imisebenzi eyenziwa asinakuphuma amaqumrhu afanayo kwezomthetho - umbolekisi, lo mboleki, umphathi-mali (kwimeko amaqumrhu asemthethweni - arbitration), kunye nenkundla. Phakathi iinkqubo eziyimfuneko ezihamba kumacala elisemthethweni iqumrhu imilinganiselo - iqonga lokuqaphela, ejolise ekuqinisekiseni ukhuseleko lwepropati yenkampani. Kodwa kukho abanye ezikhethekileyo kwimibutho imiba ingqalelo amatyala. Iza kuba luncedo ukufunda kwabo.

Wokuphelelwa of amaqumrhu asemthethweni: ubungakanani setyala

Umbutho kwi nqanaba yimali (oko kukuthi, abo abafumana ubunzima zemali ezinxulumene Injongo kwinkonzo debt) angafaka isicelo enkundleni xa ityala labo 300 amawaka. Hlikihla. Njengoko ubona, apha kwiimpawu afanelekileyo nokuba ngaphantsi kwalawo abantu.

Xa kuziwa kumashishini qhinga, kwakunye nezo iintlangano awanalo iwonga abadibeneyo zendalo, zisembundwini mali enkundleni kubo iphezulu kakhulu - million 1 engange.

ukuqashwa

iqumrhu elisemthethweni, ukuqala zingekho., akakwazi khetha ulawulo. Qaphela ukuba ulawulo wabonakala kutshanje kuwiso-mthetho. Ngaphambi kokuba ingenisiwe, njengoko kuqatshelwe ezinye iingcali, imibutho ukwabela ukulawula umhlobo, oko kukuthi, abo bantu badla kakhulu ukubonisa ukuba ukwandisa ukunyaniseka. Ngelo xesha, ukuvakalisa uluvo lwabo malunga ukutyunjwa komntu kwindawo efanelekileyo ungenza endodeni.

Wokuphelelwa and Arbitration iimbasa

Ukuqwalaselwa iingxabano amaqumrhu asemthethweni kudla olwenziwe yamatyala arbitral. imeko yabo yahlukile kakhulu kumaziko karhulumente. Umthetho olawula imilinganiselo of amaqumrhu asemthethweni, kukho izinga apho ekungeniseni isicelo amatyala kunokwenzeka kuphela xa kukho an ukubulawa kwiziphumo izigqibo ulamlo. Lo mgaqo usebenza abatyalwayo ezingabhaliswanga ngendlela emiselweyo njengoko amaziko mali zibanga enika mboleko uhlobo olufanelekileyo. Kusenokwenzeka ukuba kuqatshelwe ukuba ulawulo wabonakala ngaphambili kwi nomthetho, kodwa kutshanje ke ezisisigxina kwemithetho kwinqanaba federal.

Ubutyala labantu esemthethweni ungonakala

Nangaliphi na ixesha imilinganiselo kwezomthetho abasebenzi kumaziko emibutho ebamba izikhundla ezingundoqo, linoxanduva lokubonelela umphathi zonke iinkcukacha eziyimfuneko, kwakunye ngokwanelisa ngokulinganayo imidla yawo onke amatyala kunye oluchanekileyo ukusuka kwindawo umbono lo mthetho, ukuziphatha. Ukuba ngamagosa zeenkampani apho inkqubo yimali, avumele ukwaphula, izohlwayo zolawulo kungabekwa phezu kwabo. Ukuze ibe malunga ne-100 lamawaka. Thambisani.

Siye kwakhona iimpawu eziphambili kunye ibakala imilinganiselo ngabanye kunye iimpawu ezikhethekileyo inkqubo mbutho. Kusenokwenzeka ukuba kuqatshelwe ukuba umthetho Russian inika nxaxheba zomthetho nezobudlelwane kwicandelo-mboleko ngokwaneleyo zomthetho elifanelekileyo ukusombulula iingxaki ezinxulumene kunye lokuhlawula ityala.