Le mvume bank urhoxiswe - indlela yokuhlawula mali-mboleko kulo mzekelo,

kwicandelo logcino eRashiya ngoku kweli xesha kwakunzima. Ngokutsho kwe-Arhente Insurance Deposit, kungoku nje likwinkqubo yimali ezi 243 imibutho ngetyala. Njani na ukuba ndenze ntoni kubaboleki ukuba ibhanki uyekile ukusebenza ilayisenisi yokuqhuba imisebenzi zebhanki? Indlela ukuhlawula mboleko ebhankini kunye mvume esebenzayo? Ngaba kufuneka ukuba zibuyisele imali ebolekiweyo?

inkqubo ungonakala

Ukuba Central Bank yenza isigqibo sokurhoxisa ilayisenisi imisebenzi zebhanki, ulawulo yangaphandle yaziswa ebhankini. Inkqubo Bankruptcy lilawula Arhente Insurance idiphozithi. Emva lokuphelisa nya zonke unelungelo ibango mboleko ndatshintshelwa kwelinye iziko lamatyala.

Ingaba kufuneka ndihlawule

Omnye wemibuzo yokuqala abaninzi xa lurhoxiswe ilayisenisi ebhankini, "ukuba ukuhlawula imali-mboleko?" Impendulo ilula - kunyanzelekile ukuba ahlawule. Nokuba mvume ibhanki yakhe iyarhoxiswa, yaye kwathiwa yimali, umboleki kufuneka ukuba uhlawule imali efunyenwe ngokungqinelana nesivumelwano semali-mboleko kunye neshedyuli yentlawulo. Imigaqo sivumelwano semali-mboleko kunye nokudlulisela omnye otyalwayo akatshintshi.

kuphi ukuba ahlawule

Ukuba ibhanki urhoxile-mvume, indlela yokuhlawula imali-mboleko, le kubaboleki andazi, ekubeni bonke akhawunti ebhankini sele emkhenkceni. Phantsi komthetho ngoku, kubaboleki kufuneka aziswe iinkcukacha ezintsha lentlawulo kwaye ukubuyisa mvume ye ebhankini. Apho ukuhlawula imali-mboleko, kunye nenye ingcaciso echaphazelekayo kwakhona rhoqo ibekwe kufuphi emnyango ebhankini ivaliwe.

Kukho iinketho ezininzi:

1. Ideal - ukufumana isaziso ukutshona yebhanki kunye ebonisa iindlela kunye neenkcukacha yokuhlawula mboleko. Iintlawulo mboleko entsha zenziwa kwiinkcukacha ezinikiweyo. Emazantsi intlawulo kufuneka kubonisa inani isivumelwano semali-mboleko kunye ibhanki ekhuphe ngetyala.
2. Kuyenzeka kakhulu ukuba bafune ulwazi. Umzekelo, ngokufuthi ezihlangwini bank data kwi indawo esemthethweni ibhanki otyalwayo yangaphambili okanye kwicandelo "Ukumiswa kweebhanki" kwi-website ye-Arhente idiphozithi Insurance. Ukuba zange sifumane naluphi na isaziso ukuba ibhanki iye ukubuyisa mvume, indlela yokuhlawula imali-mboleko, akwaziwa, unako kwakhona ngokuzimeleyo kufuna ulwazi ukusuka Interim Administration avale ebhankini. Ukulungiselela le njongo kufuneka ukuthumela ileta abhaliswe yokuvuma ayinqwenelayo, kunye nesicelo ukwazisa iinkcukacha ezintsha okuhlawula amatyala.
3. Ukuba awukwazi kufumana iinkcukacha ezifunekayo, unako ukuhlawula imali-mboleko kwi iinkcukacha endala, qiniseka ukuba asindise zonke iirisithi. Nangona kunjalo, olu khetho alukho ungonqweneleka kakhulu, ekubeni intlawulo angaya ebhankini, kodwa ukuba ibhekiswe ukuba uhlawule ityala. Kusenokwenzeka ukuba kulo mzekelo, ibhanki entsha umbolekisi uya kufuna intlawulo efanayo yentlawulo kwakhona kwaye kuya kufuneka ukuba lokuzithethelela enkundleni.
4. yokuhlawula imali mboleko leyo kufakwa ebhankini kunye izivumelwano. Le izivumelwano uya mabazise ibhanki malunga kwemali mboleko. Le nkonzo inikezelwa ngoorhulumente amaxwebhu kwentlawulo.
5. Njengoko umthetho, ngenyanga yokuqala emva ukutshintshwa ilungelo lokubanga ityala embi kwelinye iziko lamatyala, isohlwayo intlawulo singabalelwa. Ngoko ke, ukuba akukho saziso ungonakala sifunyenwe, njengoko kukho khetho, uyakwazi ulinde ulwazi iinkcukacha ezintsha. Kwi-Arhente Insurance Deposit website ulwazi zifanele ukuvela ngomhla we-10 emva kokuba kuvulwa inkqubo impahla.

Umahluko phakathi amaqumrhu asemthethweni kunye noosomashishini ngabanye

Ukuba ibhanki urhoxile-mvume, indlela ukuhlawula mboleko kumbutho osemthethweni kunye ngusomashishini ngamnye? I algorithm for kubaboleki kunye ukurhoxiswa kwelayisenisi iyafana zombini abantu kunye nemibutho kunye noosomashishini ngamnye. Iintlawulo zidluliselwa kwi-akhawunti yangoku kuyo nayiphi na enye yebhanki iinkcukacha ezintsha, ebonisa ibhanki abolekisa yoqobo kunye nenani isivumelwano semali-mboleko.

Indlela amalungiselelo yokutshintsha nombolekisi

Ukuba utshintsha umbolekisi sisivumelwano zokuxabangela kwisivumelwano semboleko phezu utshintsho abantu xexo. Ukuba isivumelwano lukhuselwe, naye wakhupha utshintsho ukuyithenga. Kusenokwenzeka ukuba ibhanki iya kufuna ukuba kuqalwe kwesivumelwano inshorensi ezihlangwini akananto, njengoko kucacisiwe kwi umbolekisi original njengomele-nkqubo ye-inshorensi.

Ntoni ukuze ufune

Ukuba mboleki kwimeko apho ibhanki urhoxile-mvume, indlela ukuhlawula imali, yaye ukuba simele sazi ukuba ukufumana iindleko ezongezelelekileyo kunye nezinye iingxaki?

Ngamanye amaxesha ibhanki odluliselayo linikeza ukuba asayine isivumelwano semali-mboleko ukuya imiqathango elungisiweyo okanye Ungayihlawulwa onke amatyala eseleyo. Phambi kokuba basayine imvumelwano entsha, kubalulekile ukufunda ngenyameko iimeko ze uqinisekise ukuba uza kuba nenzuzo kakhulu. Ukuba obolekayo ukwenza imsebenzi yalo phantsi kwesivumelwano sentengo yemboleko, oko unelungelo lokwala ukuhlawula amatyala baze baqhubeke ngokocwangciso intlawulo yokuqala.

Kuyimfuneko ukuba yonke imbalelwano kunye ebhankini otyalwayo yoqobo kunye bank-zomthetho ezihlangwini, ekufunyanweni intlawulo yazo zonke iimali kunye namanye amaxwebhu anxulumene kwisivumelwano semboleko de intlawulo epheleleyo kwamatyala mboleko.

Xa ulwazi malunga yokurhoxiswa mvume, uyacebiswa ukuba uqhagamshelane ibhanki kwaye uqinisekise ukuba intlawulo entsha sele efunyenwe malunga intlawulo mboleko. Kuhle ukubuza sesatifiketi akukho ntlawulo engahlawulwanga.

Ngoko ke, ukuba ibhanki urhoxile-mvume, indlela ukuhlawula imali-mboleko, lula ukuyiqonda. Ukuba ufumana ulwazi ekunene ngendlela ngexesha yaye uthathe amanyathelo ayimfuneko phambili intlawulo iza kuba ngaphambili.