Iileta credit - siqinisekiso ethembekileyo ukuba omabini amaqela ku yingisela

Yintoni credit? Le ngembopheleleko yebhanki ikhutshwe egameni lomthengi, ku ukuhlawula onke amaxwebhu ngumthengisi, kwimeko ukuthotyelwa yonke imiqathango yesivumelwano. incwadi ngesiphelo ngetyala - fomu non-cash sentlawulo, nto leyo isiqinisekiso sentlawulo. Umthengisi wahlola onke amaxwebhu ngokuhambelana nemigangatho yezizwe ngezizwe. Iileta credit - nto isivumelwano phakathi umthengisi kunye nomthengi, zenzelwe ukuqinisekisa ulungelelwano phakathi kwabo kwimeko lwemisebenzi angaphandle ngoku okokuqala okanye ukuyohlala kwimarike entsha.

iimpawu

Umahluko omkhulu phakathi iincwadi ngetyala yazo naziphi na ezinye iindlela ukubala - ejikelezayo asetyenziswa amaxwebhu kuphela, hayi iimpahla ukunika iphepha. Iibhanki kuqhubana la maxwebhu akhankanywe kwincwadi ngetyala, bona ndingasihlawuli ingqalelo kwezinye izivumelwano (iimvumelwano kunye naziphi na ezinye iimvumelwano phakathi umthengi nomthengisi). Oku lunyanzelo nje kuphela, kodwa iimeko ezichazwe yi umthengi, yaye ngokubhaliweyo ebhankini kunye nesicelo lokuvula incwadi ngetyala.

Ileta Credit - Yintoni le? iingongoma yesivumelwano

Amaxwebhu kufuneka iquke:

• inombolo kunye nomhla;
• imali;
• Uhlobo lwekhadi;
• iinkcukacha komamkeli, lo umhlawuli, ebhankini ekukhutshweni, kwakunye umbutho azenziwa;
• indlela sokubulala;
• umhla wokuphelelwa;
• ixesha nokungeniswa kwamaxwebhu;
• injongo intlawulo ;
• imfuneko ukuqinisekisa;
• uluhlu lwamaxwebhu kunye neemfuno;
• Inkqubo Intlawulo na ikhomishini kweebhanki.

Yeentengo zemboleko ukusombulula ingxaki xa umthengisi akavumi ukuthumela impahla ngaphandle isiqinisekiso sentlawulo, kwaye umthengi akafuni ukunika imali ude ufumane intembelo yokuba yonke unikelwa ngokungqinelana nemiqathango yesivumelwano.

iintlobo

Siye safumanisa ukuba iincwadi ngetyala - nto liabilities ibhanki leyo ukuhlawula onke amaxwebhu ngumthengisi, kodwa ukuqonda oko kufuneka zicaciswe kuzo. Ngoku cinga iintlobo iincwadi ngetyala :

• Revocable. Iimeko inakho ukulungiswa, kulula ukurhoxisa, ngaphandle kwesaziso nomthengisi.
• Nakujikwa. Oku alinakurhoxiswa kwaye nayiphi na imeko yakhe kuphela ngemvume onke amaqela.
• Ingadluliselwa. Othengisayo, hayi umthengisi iqela lonke kwempahla, sidlulisele ubunini ukuba ngokupheleleyo okanye ngokungaphelelanga kumaqela yesithathu ihamba kunye imiyalelo eyimfuneko ebhankini yokuphumeza.
• iileta lwemo ngetyala - ukuba isiqinisekiso sokuhlawula kwimeko emiselweyo yi izibophelelo umthengi ngokwakhe ecaciswe kwimvumelwano.
• Ivolovolo. Isetyenziswa kwi kubonelelo rhoqo kweemveliso. Isixa yeleta yeentengo zemboleko kwakhona ngokuzenzekelayo njengoko iintlawulo ngaphakathi kumda lusekiwe, kunye nokunyaniseka yayo.

Ubuhle nobubi

Iileta credit - kuwo ngokupheleleyo nakanjani ukufumana yonke loo mali lomthengi, uqwalaselo olunenkathalo ukuthotyelwa zonke ngokwemiqathango yesivumelwano, imbuyekezo epheleleyo xa ukurhoxisa intengiselwano, kwakunye noxanduva ngokusemthethweni kweebhanki ngenxa semthethweni imisebenzi, apho yeentengo zemboleko isicelo. Bobubi ziquka ubunzima kunye neendleko eziphezulu ngamaxwebhu olu hlobo ukubala yorhwebo lwangaphandle.