Indlela ukuboleka imali ekunene kwi irisithi

Indlela ukuboleka ekunene imali? Le umba exhalabisa abantu abaninzi. Abanye abantu nje ufuna ukunceda abahlobo nezalamane zabo, kodwa boyika ukuba emva kokuba imali yabo, azisekho ubone. Njengoko ethi enkulu: "Ukuba ufuna ukuba ulahlekelwe umhlobo - kumnika imali-mboleko kuye."

Abanye bakhangela kule kwaye uthabathe mandincedeke ngomdla, ajike abe uhlobo amaziko microfinance. Kodwa ukuba bamva akhuselwe zonke iintlobo imithetho federal, abemi ababolekisi ngokufuthi nje 'anikele' imali yabo. Siza kuthetha ngendlela ukuboleka imali ngokuchanekileyo.

Owona mthetho - isivumelwano enyanzelekileyo ebhaliweyo

Nayiphi na imali engaphezulu amawaka 1. Engange kufuneka sikhatshwe isivumelwano esibhaliweyo. It is sebenzi ngabantu phantsi Civil Code of the Russian Federation. Kuba umthetho omnye umthetho - nayiphi na imali ekhutshwe ikhontrakthi. Ngoko ke, elinomthetho wokuqala indlela uboleke imali, - isivumelwano esibhaliweyo.

Umbolekisi okanye umbolekisi?

Ngokwesivumelwano kuthathelwa ematyaleni uya kubizwa mboleki nokunika - endodeni. Musa endodeni. Le nto ibalulekile. Nale ekuqulunqeni inokuba ingxaki enkundleni kufuphi endodeni. Ummangalelwa kwindawo yomthetho ofanelekileyo rhoxisa nje imvumelwano, ukuba wayebhekisela kwinto yokuba umntu isenokungabi njengomboleki-.

Kodwa ke, njengoko isitsho njalo intetho, "ilizwi kwityala akayi ukuthunga." Ngoko ke, sicebisa ngokupheleleyo nayiphi na imali ukwenza ngaphandle nge sivumelwano semali-mboleko.

Indlela ukuxelela abanye ngayo?

Abemi abaninzi ungakhululekanga, yaye ngamanye amaxesha nje lazy kakhulu ukuba zonke iintlobo amaxwebhu abhaliweyo. Banikela imali, enethemba ngokunyaniseka ingqibelelo. Kakade ke, ukuba ilungelo labo. We sithethe kuphela indlela wababoleka imali ngokwemigaqo yomthetho, ukuze kamva kukho wayekho ngelo tyala.

Kodwa kuthekani ukuba awufuni ukuba nilwe ke zonke iintlobo amanqaku? Kukho abanye abantu abayithandi ngayo eli. Ngabo, kwelinye icala, bafuna inshorensi, kodwa kwelinye icala - besoyika ukuba nimcaphukise abantu. Ngapha koko, akwaziwa ukuba ukwamkela njani olu lwazi nganye. Mhlawumbi ke oqhutywa ukugqiba isivumelwano semali-mboleko kwaye akukho kubizwa ngolo hlobo. Ukuze wenze oku, kukho izinto ezimbalwa iincam olukhohlisayo:

1. Nothi kuloo ndoda indlela igqwetha yakho okanye wena uye wafunda ukubuyela irhafu yengeniso. Njengokuba, mna ukunceda kuwe, uze nawe - kum. Yonke imibuzo malunga nendlela kunokwenzeka ukuba "igeza", waphendula evasively: "Ndiza kukunceda," "Kukho umhlobo oya kuyenza loo nto," njl Ukusuka kwindawo esemthethweni bawujonga bububhanxa entendelezweni, kodwa mnye akunakwenzeka ukuba sasi- ... Ukongeza, umthetho kukho iimeko ezininzi kokuba kutsalwe irhafu kunye nokuxolelwa, ngaphandle ukutshona kwisifundo kunzima ukuqonda ngoko nangoko. Kungenjalo, kunokuthiwa ukuba kuyimfuneko ukungenisa ingeniso kunye nenkcitho kwi nokhuseleko loluntu ukuba isivumelwano mali uyilo kunye mboleko iza kunceda ekunciphiseni "imbuyiselo" ye imali yentsapho. Kungenakwenzeka ukuba umntu uya kuqonda. Ukuba ufuna imali, yena kungenzeka ukuba balusayine olu xwebhu.
2. Jonga kulo lonke kubantu abekwa. Umzekelo, ukuba unayo imali, kodwa 'ngasemva unit trust. " Ukuba ubasuse phandle, kufuneka ngokuyimfuneko isivumelwano semali-mboleko a. Ngaphandle kwalo, nje musa ukufumana imali.

Unakho ukucinga ngezinye iindlela. Kodwa yazini into: Ukuba ufuna ukubuyela imali, asayine isivumelwano. Ezi tricks ziyafuneka, ukuze singabakhubekisi omnye. Umntu ofundileyo uya kuba nako ukubuqonda ngokusemthethweni ukuba konke oku fiction, kodwa ke nangengqiqo basabela isivumelwano esinjalo. Awukwazi ukuza kungekho sizathu, kodwa nje athi ngqo: ". Ladies Money, basayine uxwebhu"

Indlela ukunika imali kubaboleki kwi irisithi: isiziba yokubhala

Ukwamkela siyakwenziwa naluphi na uhlobo. Kodwa umthetho owodwa - ulwazi ngakumbi ngcono. Kufuneka le datha ilandelayo:

• ingcaciso ngqo kwi kubaboleki kunye ngemali. Eli ifani, igama lokuqala, idilesi ubhaliso kunye yokuhlala yokwenene, data yokundwendwela. Khumbula: ibango kufuneka zingeniswe kwi inkundla kwindawo lokubhaliswa mboleki. I-Civil Procedure Code of the Russian Federation ubizwa ngokuba "lwezobulungisa lwengingqi".
• Imali engange amagama. amagama echanileyo: "5 (ezintlanu) million engange," apho kuyimfuneko olubhaliweyo digital, kunye nentsingiselo yegama.
• Ukuba imali ayathathwa zeerandi okanye euro, kuyimfuneko ukuba ungayalela ngokweenkcukacha iqondo lonaniso Central Bank iya kubuya (ngomhla we-mboleko okanye imbuyekezo). mortgages lwemali - umzekelo. Abantu abaninzi ukumangalela iibhanki ukuba kubalwe kwakhona umsebenzi wabo ngesantya ngexesha uthatha mboleko. Khumbula ukuba imali engange ukuya kwiminyaka 2014-2016 "kwawa" kabini nxamnye dollar kanye euro. Enye Abameli elo, nkqu ngokunxulumene crudity kwekhontrakthi. Ukuze siphephe iziganeko ezinjalo, kungcono ukuba babhalise zonke iinkcukacha.
• ixesha lokuhlawula. Xa engekho kweli nqaku, eli tyala kufuneka ibuyiselwe kwisithuba seentsuku ezingama-30.
• Utyikityo. Kufuneka lwenziwe yi-nye umnikimali nomamkelimali. Khumbula: Utyikityo ngaphandle decrypting akuvumelekile, nto leyo ke akukho uviwo elaliselugcinweni.
• Idatha kwi amangqina. Kunqweneleka ukuba nabo babeka utyikityo lobuqu.
• imiqathango eyongezelelweyo. Guarantors, inzala, iziqinisekiso, izohlwayo kunye njalo njalo. D.

Desirably, kodwa akunyanzelekanga ukuba

Ngoku siyazi indlela yokusebenza ukunika imali yetyala, apho amaxwebhu afike ngexesha elifanayo. Okokuqala, sisivumelwano irisithi okanye imali-mboleko. Ngoku kunqweneleka ukwenza oko kwi uyilo, kodwa akunyanzelekanga ukuba:

1. Ukushukumisa izivumelwano. Musa ukunika nayiphi na inzuzo ezongezelelweyo inkundla kunye iirisithi echanekileyo yokubhalisa. Kodwa Utyikityo kubameli ngengqondo umisela uxanduva olongezelelweyo kwi mboleki.
2. Ukufumana amangqina. inxaxheba yabo ozikhethelayo ekulungiseleleni iirisithi. Le protocol ukuhlolwa kunye nxaxheba wamangqina amabini. Ngoko ke athi, "Zisa amangqina akho atyikitya oko, mna" - izandi ezihlambelayo zamaxhegokazi zimangale. Yaneleyo zoviwo wesandla, yaye zonke ziya kweyela ndawo. Ukongeza, kuya kufuneka ukuba uhlawule ummangalelwa emva kokoyisa kwakhe enkundleni.

Ikhontrakthi-free?

Ngoku makhe sithethe ngokweepesenti. Kusoloko isifundo yayinzima enkundleni. Ngokuqhelekileyo xa umboleki kufuneka imali ngokukhawuleza, uyavuma na ipesenti. Kodwa ke, njengokuba nenkqubo yokuzilinganisa ibinzana odumileyo, "uthatha omnye umntu - khanimnike." Xa kufika ixesha lokuba abuyele imali iqala ingxabano ngomdla, okt. E. Akukho ukuphikisana imali yenqununu (leyo nto ngamampunge). Oku uzama ukunciphisa inzala, izohlwayo kunye nenzala.

Ngokwemigaqo yomthetho, akukho wacaca. Iinkundla zinobulumko ukuba isigqibo sithini isixa umdla, izohlwayo kunye nezohlwayo ehlawulwayo. It is azilawulwa. Ukongezelela, iNkundla Ephakamileyo Russian Federation babe iintendelezo kwiimeko eziphantsi inyanzelekile ukuba ukusebenzisa amanqaku ze-Civil Code of the Russian Federation ukunciphisa inzala, izohlwayo, izohlwayo.

Ngoko ke, enika amawaka 10. Engange phantsi-25% ngonyaka kunye nezohlwayo engagqibekanga umdla ngosuku ngalunye yokulibaziseka iminyaka embalwa unako ukubuyela amawaka-10. + 100 engange.

Kwaye ngoku kwelinye icala ingqekembe. Ukuba le risithi ingakhankanywanga ipesenti yokusetyenziswa kwemali, kuthathwa ngokuba yi okungagqibekanga yiyo. UMboleki uya kuhlawula inzala kwimali mboleko izinga le-Central Bank of the Russian Federation. Itshintsha ngonyaka ngamnye.

Yintoni izinga mboleko?

Izinga mboleko - na izinga lenzala apho Central Bank eboleka kweminye iibhanki kunye nemibutho ngetyala. Esi sixa-mali emali. Ngoko ke, ngaphambi kokuba ilungelo ukuboleka imali nxamnye irisithi, kufuneka uyazi isitshixo wenzala mboleko. Kubalulekile, ukuba irisithi alukhankanywanga imali umdla.

Indlela ukunika imali sebheyili mboleko

Ngoku makhe sithethe mboleko ekuthiwa-interim. Okanye kunoko, indlela ukunika imali umdla ngokuzala kwamatyala kunye izibambiso. Njengoko yokugqibela idla ngokuba imoto okanye indlu.

Masiqalise kunye nesithuthi. Imithetho ivumela bangasese ukubolekisa ngemali-mboleko zemoto. Kukho iindlela ezimbini:

• TC nguye umnini ukusetyenziswa okwethutyana de kube sekupheleni ukubala.
• Auto nxiba yokupaka okhethekileyo. Ngoko kuyimfuneko ukuba athathe amanyathelo ukuqinisekisa ukhuseleko.

Kodwa njani ukunika imali mboleko yemoto ngetyala? Iingongoma eziphambili yesivumelwano;

• Imihla, irhafu-mboleko, isongezo zobukhulu.
• Izibambiso, nangokusulela kwayo (kunye nezenzo olungqamelanayo kwi amaxwebhu imoto, amatikiti njalo njalo. D.).
• Iimbopheleleko zamaqela.
• Inkcazelo eneenkcukacha isithuthi, kangangokuba kwimeko non-inzaliseko mvumelwano akazamkeli isakhelo kulo, ukuba isithuthi uhlala kunye nabanini.

Khumbula ukuba ngokoMgaqo ojongene umthetho "ngesibambiso" sivumelwano iya kuba null and void ukuba akukho ukuhlangabezana ifomu emiselweyo.

Ukongeza, amaxwebhu banelungelo ukuba babhalise intengiselwano kunye isibambiso kwindawo ekugcinwa kuyo iirejista ekhethekileyo ngokwesicelo ukuyithenga. Oku kunciphisa amacebo yobuqhophololo. Ngeli Ukongeza kwiinkonzo izivumelwano kuya kufuneka ahlawule iindleko zomthetho. Kodwa inzuzo eziphambili - ukufumana ubhaliso lesivumelwano, enika isiqinisekiso kuwo omabini amaqela.

Kodwa ukuba isithuthi wabeka phantsi izihlandlo ezimbalwa? Emva koko afumane ilungelo umntu othe okokuqala ibitheni ngokusemthethweni. Isivumelwano semali-mboleko phantsi ukhuseleko imoto kucingwa ukuba kugqitywa ukusuka kwixesha transfer bemali. Oku sicaciswa gca kwi-Code Civil.

zokuhlala ibheyile

Ke kaloku, malunga nendlela ukunika imali-mboleko olubekwe yi izindlu. Into yokuqala ukuyenza - ngononophelo sihlole onke amaxwebhu kule ndlu. Mhlawumbi sele isibambiso. Kakade ke, lo ubuqhophololo kwi inxalenye umboleki - atshele umbolekisi, kodwa yokugqibela yale nto ingako.

idipozithi Ukhuseleko libe yokuhlala, ngokunjalo kunye nemoto, sikhatshwe ubhaliso kwi Rosreestra. Kwisivumelwano, ukongeza iingongoma eziphambili, ungakhankanya umthetho nesimo zavalelwa kule ndlu.

Ziziphi iingenelo ubhaliso transactions izibambiso in Rosreestra

Eyona inzuzo imicimbi zaseburhulumenteni arhente zikarhulumente - kuba ukhuseleko omabini ukusuka ubuqhophololo. Ukuba isivumelwano Rosreestr kuthetha indlu okanye iimoto na ufunge ngokusesikweni. Ubuncinane, eli qumrhu karhulumente ayaziwa. Ngoko ke, ukuqotywa umthetho phezu ecaleni otyalwayo, ababebhalisile ibitheni ngokusemthethweni.

iziphumo

Ngenxa yoko, siye sazama ukuba uphendule umbuzo yendlela ukunika imali yetyala ngokuchanekileyo.

Ukuqala kwakhe ukulawula - nayiphi na imali ukulungisa kubhalwe. Musa ukoyika ukucela ukuba irisithi.

Umthetho wesibini - zifuna yakho njengesiqinisekiso sokuba imali-mboleko kwi-mali esikhulu. Kunokuba imoto, ilifa lokwenene, izibambiso, kwakudala, njalo njalo. D. On the bokuqonda olungundoqo lwendlela ukuboleka imali ekunene phantsi ukhuseleko imoto okanye indlu, sele sitshilo. Eyona nto ibalulekileyo - ukurekhoda zonke iintengiselwano ngokusebenzisa izivumelwano Rosreestra. Khumbula ukuba xa uthatha ngaphandle isivumelwano kunye namalungiselelo iqumrhu loluntu, kwaye ke wajika phandle ukuba awunguye umntu owenza isicelo lokuqala imoto okanye indlu, inkundla uzakuvula ngecala lakho. Kukho umgaqo - ngubani okokuqala ngo Rosreestra ukuze nokhuseleko.

Ngethemba, ngoku uyazi njani ukuba anike imali yetyala ngokuchanekileyo. Ngapha koko, onibonisileyo - into forearmed.