Buyisela iimali-mboleko: Litigation

Mboleko ngoku eqhelekileyo kakhulu. Kwelinye icala, kulula. akuyomfuneko ukuba wenze nantoni na ukuze asindise kuba into oyifunayo, uze uthenge nje ngemali ebolekiweyo. Kodwa kukho nobubi. Okokuqala, lo egqithisileyo silubona uvalo ngenxa accrual kwenzala ityala. Ngaphezu koko, ngoku iibhanki ezininzi ukuhlawulisa abathengi imali efihlakeleyo iinkonzo ezithile. Makhe sihlolisise kweli nqaku, nokuba accruals ezinjalo ezisemthethweni, kwakunye nethuba umngeni kubo, babuyele imali ngoku.

Yintoni na ikhomishini kwi-mboleko?

Umlinganiselo wenzala ehlawulwa ngumthengi bank yokubolekisa - loo nto ke bonke ukuba iindleko abajongene ngabathengi. Commission on the mboleko ngokuba into enye ngaphezulu kwenkcitho. A lot of iikhomishini, apho de 2009 ukuba amaziko ngetyala ukuze kubuyekezelwe umlinganiselo ephantsi, umthetho RF uthathwa mthethweni. Buyisela ikhomishini-mboleko ukuya kumhla sifanelekile kakhulu.

IKomiti Credit yintlawulo yeenkonzo ezinikezelwa yibhanki. Ezi kungabandakanya: intlawulo yokuqala, ukusisevisa mboleko, imali-mboleko, isicelo mboleko ingqalelo, ukuvulwa kunye nokugcina akhawunti mboleko.

Kungenzeka ukuba imali ikhomishini ubalwe isixa esiqingqiweyo okanye njengepesenti.

Nokuba ilungelo umboleki ukuba ukubamba naye?

isigqibo esenziwe ngo-2009 yi-Ephakamileyo yoLamlo Court of the Russian Federation ukuba ikhomishini ebizwayo ngamaziko credit lokubonelela ngetyala, iziyobisi ezingekho mthethweni. Yintoni eyenza umthengi ebhankini, umkhuba kuquka kule mvumelwano kweentlawulo ikhomishini, ilungelo imbuyiselo yeMisebenzi kwi mboleko. Oku kuyinyaniso, kodwa nokuba kunjalo okunene azinakusetyenziswa? Siza baya kuqonda.

kileyo

Ngokutsho isigqibo Ephakamileyo weNkundla Arbitration, iziko lamatyala angabeka intlawulo ngeenkonzo ezongezelelweyo, phakathi apho musa ziquka intshukumo ngohlobo lwe-akhawunti mboleko, ingqalelo kwesicelo,-mboleko kunye nabanye kuphela. Ezi zenzo zinxulumene kuluhlu, inxalenye izibophelelo ibhanki yakhe. Loo nto iya kwenza ukuba umbutho okanye umntu balindele xa kufakwa ibango mbuyiselo ikhomishini ukuze kwenziwe isigqibo esifanelekileyo.

Uluhlu yeMisebenzi mthethweni

Buyisela iimali-mboleko kunokwenzeka, ukuba ukurhafiswa ngokungekho mthethweni.

Isimo kwabo isigqibo Ephakamileyo weNkundla yoLamlo wafumana yonke imirhumo kufakwa kwiziko zebhanki ngokwesivumelwano setyala. Imirhumo kakhulu ethandwa ukuphanga bank ziquka: Iinkonzo ngetyala, iinkonzo zokuhlala, nolondolozo akhawunti ekufakwa kuyo imali, i-inshorensi, mboleko.

Umthetho we-Russian Federation uyakuqonda ukubuya nayiphi na ikhomishini ikhankanywe ngasentla kunokwenzeka.

Ukuze ufumanise ukuba igcinwe okanye loo myalelo, ngokufuthi kakhulu sihlolisisa nemiqathango yesivumelwano kunye neshedyuli iintlawulo kwi-mboleko. Bonisa iintlawulo ikhomishini phantse lonke kubonwa. Ezinye iifizi ifihlwe imali ebhankini. Isivumelwano semali-mboleko unokuqulatha ukukhankanywa into yokuba umntu uyavuma ukuba ngokupheleleyo naziphi na iindleko ezihlangabezana amazinga kwiziko lamatyala. Rates zisenokwahluka rhoqo, kwaye obolekayo Abalumkiswa. Agents ebumnyameni, kuba rhoqo ukuhlawula iifizi.

Ziziphi amagama nga abuyisele iintlawulo kunye ne-inshorensi-mboleko?

Ixesha lokungenisa ingxelo sebango

Umthetho we-Russian Federation iseti ukubuyela kwiKomishoni imiqathango isicelo kwiminyaka emi-3. Ukuba iKomishoni leebhanki lubuyiswe ekuqaleni, le ubolekayo kuya kufuneka simke ngenjongo yokufumana imali ihlawulwe umva. Xa besondela ixesha ukuya kwiminyaka emi-3, kwi icebiso amagqwetha, kufuneka ngoko nangoko uye enkundleni ngaphandle inyathelo yangaphambili. Ngoko ulahle nje ixesha elininzi.

Buyisela ikhomishini-mboleko - inqubo

Commission for credit ukuze babuye umcimbi sele wabuyisela mboleko okanye hayi okwangoku, kwimeko apho ixesha umda akakafiki kuvelile. Umboleki, ngubani wagqiba ukwenza ukubuya iintlawulo ikhomishini abaqeshwe ngokungekho ngokwazo, kumele ukuba zichithe manyathelo alandelayo: uthumele ukuba iBhanki ibango, isikhalazo kwi-CPS uze uye enkundleni.

Isicelo lebhanki

Ibango ukuthumela ku iBhanki zilungiselelwa kwimibhalo-2. Xa uxwebhu le ngxaki kufuneka ziboniswe, leyo wesuka umboleki, isicelo ukubuya khomishini, kuquka kubhekiswa ngokuqulunqwe kwisigqibo isihloko yamatyala arbitral. Ngokukodwa kufuneka ibe inishiyali ebhankini kunye nedilesi ye client yakhe. Amabango kufuneka ithunyelwe kwi-ofisi yentloko yeziko lemfundo. Enye ikopi ukuba ebhankini, kunye nabanye abasebenzi lwe-Ofisi, kuya kufuneka ziphawulwe ngomhla wokufunyanwa, leyo kufuneka luhlakulwe. Kwi kokuqwalaselwa kwesicelo kufuneka uthathe iintsuku kungekho ngaphezulu kwe-10.

Indlela kanye wenza ngokubuya neentlawulo zebhanki kunye inshorensi mboleko?

ithinta Rospotrebnadzor

Ukuba impendulo esuka ebhankini kwisithuba kwithuba elingekho hayi, umthengi unelungelo lokubhena kwiNkonzo Federal. Ikopi yebango istampu ibhanki kufuneka ukongeza le leta. Iziko yesikweliti, aya kufumana ukusuka Rospotrebnadzor entle, kwaye mboleki kuya kuba luncedo xa kuxoxwa.

amanyathelo omthetho

Indlela ukubuyisela iimali-mboleko ngokusebenzisa iinkundla?

Isicelo enkundleni ukuba mncinane, xa ibhanki kwakungekho basabela emva konyango kwiNkonzo Federal. Iindleko kufuneka ukoyika, ngenxa yokuba iziko yesikweliti, aya kunyanzeleka ukuba sisilela khona. Ngokuba ityala enxulumene ukukhuselwa umthetho amalungelo omsebenzisi, intlawulo yobhaliso asilungiselelwanga kuyo. Umthengi uyakwazi ukubala kwi lembuyekezo yomonakalo yokuziphatha, inzala olungagqibekanga, nto leyo ehambisana kunye ukungaphumeleli iimfuno zembuyekezo. Nje lo mzekelo kuyimfuneko imbalelwano kunye kwiziko lamatyala. Iindleko umboleki iigrafu kuphela iinkonzo zomthetho, kwimeko isigqibo babhenele kuwo.

Umhla obekiweyo kokufumana imali

Ziziphi ixesha elithile iya kubuya ikhomishini ebhankini semali-mboleko?

Igama avareji imbuyekezo iikhomishini ziinyanga 3-4. Eli xesha ibandakanya oku kulandelayo:

• Buyela Commission on ngokuzithandela elunxwemeni lakuba lifumene izikhalazo zabaxumi kwiintsuku ezili-10.
• Xa isixa-mali sebango ngaphezu kwama-50 amawaka ishishini ithathwa kwiNkundla yeSithili kwiinyanga-2.
• UMantyi ugqala ibango ngexabiso elingaphantsi kwama-50,000 kule nyanga iphelileyo.
• Isigqibo senkundla uqalisa ukusebenza phakathi kwinyanga 1.
• iphepha Executive senziwe zingaphelanga iintsuku ezili-10.

Isigqibo senkundla lunqabe isibheno egcina imali, kodwa xa besebenzisa eli xesha lungelo kolulwa yi iinyanga 2 ezongezelelweyo. Emva kokufumana an ukubulawa kwinkundla, onetyala uthunyelwa isicelo kwi-Bank of Russia RCC. Bhala le mali kwi-akhawunti kwiziko lamatyala mazigqithiselwe-akhawunti client. Ukubuyela umrhumo kwi mboleki, kufuneka ukunika isivumelwano kwi-mboleko kwi original, kwakunye iziqinisekiso iintlawulo zenziwe. Ekhutshwe ebhankini ikopi yamaxwebhu.

Assistance Amaziko zomthetho

Ukuba umxhasi akonelisekanga owayeze uhlawule yokuqala-mboleko, ukuze isicelo iZiko zabucala ukwenzela uncedo lwezomthetho kubemi.

yokunyusa nkqubo kunokwenzeka kunye umxhasi kumaziko asemthethweni ezibonelela uncedo xa bethetha ngemiba efana. Iinkampani ezininzi ethandwa enxulumene kummandla Russian Centre for kwemali yeMisebenzi yebhanki. Eli ziko ibandakanyeka ayibuyise inkonzo kunye nokuvulwa kwee-akhawunti. kwiiofisi omele eMoscow nakwezinye izixeko ezininzi Russian. Kuquka uncedo umboleki unako ukuza umbutho, abakufumana kunzima ukumelana iikhomishini mthethweni: Amalungelo Centre Protection, uMcebisi Financial, Legal Defense Centre.

Kuza kwenzeka ntoni kwimeko yesiganeko kwembambano kunye ebhankini?

Return of iimali yebhanki mboleko zithandwa kakhulu.

Kodwa omnye neenkxalabo eziphambili umboleki, ngubani wagqiba ukwenza ukubuya iikhomishini, kukuba lokuphelisa isivumelwano ngaphambi kwexesha yebhanki. Court kunakana inyathelo mthethweni, oko kuthe kwakho imvumelwano client kunye namaziko zebhanki kufuneka kuhlala injalo. Oku kuzakucima kuphela umhlathi xa kuhlawulwe ikhomishini. Umboleki loo impixano kunye ebhankini kumelana ukwala kwakhona ukufumana imali-mboleko evela kwiziko ukuba ungene udidi abathengi ingxaki. Kodwa lo mcimbi phantsi lokhetho kwimbali zombane ohlawulwa ngenyanga abayi kuba awusayi kuchaphazela-mboleko kulo naliphi na elinye iziko.

isiphelo

Oku kunokwenziwa isigqibo sokuba imali imbuyekezo kunikezelo mboleko wokwenene, kodwa oko kuya kufuna ixesha wachitha. Phambi kokuba uqhagamshelane ibhanki semali-mboleko, kufuneka ahlole ngenyameko iingongoma ezimbi.