NgokoMthetho Essential kwesivumelwano yokugcina ye RF Civil Code

Ukugcina izinto - oku uhlobo wendlela kubonelelo ngeenkonzo. Ngokuba umrhumo, umgcini unyanzelekile ukwamkela, ukugcina kwakhona impahla ethile ukuya abagcinisa. Kwenzeka ukuba, igama elithi "elinguvimba" yaye "abagcinisa" livela elithi yokugcina - "impahla", apho yayikhona Russian umthetho pre-revolution.

Ngokwemiqathango yesivumelwano lokugcina kumthetho wembambano

Uxanduva lokugcina kuvela nje kuphela sivumelwano ngokwayo, kodwa kuvela amandla komthetho. A Umzekelo okumangalisayo - isivumelwano sokubonelela apho nomthengisi elingayizalisanga kuxanduva lwakhe ukunikezela ubungakanani ezithile iimpahla okanye umgangatho ekuvunyelwene. Kulo mzekelo, umxhobisi onjalo unyanzelekile ukwamkela ukwenzela ukuba igcinwe ngokunqatyisiweyo azidluliselwa kumthengi impahla. Omnye umzekelo - wafumana into de ukubuya umntu uphelelwe kuyo, engagqibekanga uthathwa yamkelwe ukuze yona iyigcine ngokukhuselekileyo.

phantsi kwesivumelwano

Njengoko inokuba yiyo nayiphi na into eye miqobo ukuhamba ngokukhululekileyo njenge into yokugcina. Ezi kuba iimveliso, izibambiso, imali, amaxwebhu.

Uthintelo kwipropati engashukumiyo igcinwe khona, kodwa hayi ngqo phantsi komthetho ngoku, ukuze ukuba ukuqondwa imicimbi enjalo into engento akukho sizathu.

Ukuba kugcinwe amalungelo empahla, ngenxa yokuba emzimbeni ukudluliselwa ukuba omnye umntu oko akwenzeki.

Ifom yokugcina yesivumelwano

Imeko ebalulekileyo ikhontrakthi yokugcina i-Code Civil - luhlobo esiphelweni sayo. Izivumelwano ezinjalo iyimfuneko ngencwadi ebhaliweyo. Kuba abathile, ifomu ebhaliweyo sifumaneka xa ukuba mxholo ixabiso lesivumelwano kune izihlandlo ezilishumi ebekwe ngexesha le wemivuzo.

ifomu Simple ezibhaliweyo - ayikho nje isivumelwano okanye itsheki, kodwa ilayisensi plate, nto leyo ke idluliselwe ehotele okanye kwigumbi yokugcina kwisikhululo.

Xa kwetyala, ukuba akunjalo ziyathotyelwa ngohlobo esibhaliweyo isivumelwano, ireferensi ukuze angqine kuphela kwiimeko ezimbini:

• ukuba yengxabano malunga ungubani izinto, nto leyo wabuyela njengomgcini;
• xa lokutshintshela nto ukwenzela ukugcina iimeko ezinzima, umzekelo, ngethuba intlekele yendalo kwindawo ethile.

Ngubani onelungelo ukungena imicimbi engekenziwa kwi yokugcina

Imiqathango efunekayo ikhontrakthi yokugcina iphathelene semthethweni lokusayina izivumelwano ezinjalo kunye omabini amaqela. Njengoko abagcinisa kunokuba nawuphi na umntu ngokupheleleyo lomthetho. Umzekelo, ukuba Kwathi imithwalo yabo kwihotele, wena kudingeka nje ukuba ubhaliswe khona. Kwimeko imicimbi ezincinane ngemihla le UMKHUPHELI nga ngokupheleleyo ngokusemthethweni.

Le abagcinisa inokuba ngumntu wesithathu ukuba unesizathu kwi ilifa impahla yommelwane wakhe okwethutyana okanye amalungelo akhe usukele imimiselo yalo mthetho.

Njengomgcini inokuba ngumntu osemthethweni, umntu ngokwendalo, ngaphandle kokuba ubume iqumrhu elisemthethweni - ngoosomashishini ngamnye. imibutho engajonge ngeniso basenokubandakanyeka elugcinweni kuphela xa kukho umlinganiselo othile umthamo kwezomthetho, umzekelo, ukuba eli phulo yenye yeenjongo zomsebenzi oqeqeshelweyo - yokugcina izinto ezithile.

impilo yokugcina

Concept, nature kwezomthetho kunye neemeko yokugcina kwesivumelwano musa ukuba ebonisa olusisinyanzelo ithuba lokugcinwa kwesivumelwano, kunokwenziwa isigqibo phambi komhla umcimbi lo abagcinisa.

Ukuba ixesha lesivumelwano yokugcina ezicacisiweyo, umgcini akanalo ilungelo ukubhekisela elinguvimba befuna kwakusasa uthathe indawo yawo. Xa intengiselwano umgcini ngokuvumelana angala ukwamkela ipropati ukuba kuphula sexesha kuloo dipozithi yakho.

imisebenzi zamaqela

iimeko Ukugcinwa kwesivumelwano zifuna inkcazo epheleleyo kunye ecacileyo amalungelo kunye neemfanelo omabini amaqela ku yingisela.

Umsebenzi ungumgcini. Umgcini uya kunyanzeleka kuphela ukwamkela idipozithi into ethile, kodwa ukuqinisekisa ukhuseleko ngokupheleleyo phambi kokuba enike emva abagcinisa. Umgcini uya kunyanzeleka ukuba ukuphumeza iinkonzo zabo buqu, ngaphandle ukudlulisela nawaphi na amalungelo lo mntu wesithathu. Kuyo nayiphi na imeko ukuba akanalo ilungelo ukusebenzisa yokugcina into ukuze inzuzo. Buyisela into egcinwe ke kukho le abagcinisa ngendlela efanayo naleyo wadluliselwa.

Njengomgcini komthetho. Imiqathango efunekayo contract yokugcina kunye nelungelo ukubhekisela umgcini. Ngoko ke, unelungelo lokufumana intlawulo ngeenkonzo zazo, ukuba Okwenziwayo zembuyekezo. Guardian inelungelo ukubuyisa iindleko ezinxulumene wokubambezeleka okubangelwa ngesivumelwano yokugcina le abagcinisa. Angasiphelisa isivumelwano unilaterally ukuba ukulibaziseka kwale mvumelwano yaba ngaphezu kwesiqingatha yesivumelwano. Guardian unelungelo lokwala ukwamkeleka izinto zokugcina, ukuba kukho isoyikiso kokusingqongileyo okanye iipropati ezithile eziyingozi.

Amalungelo noxanduva UMKHUPHELI. Le abagcinisa uya kunyanzeleka ukuba ukhethe up umxholo intengiselwano kunye ahlawule iinkonzo onegunya ukuba inikwa ngqo isivumelwano zokugcina. Umzekelo, ukuba imiqathango ebalulekileyo contract kubekwa Kubhekiselele lo ngumsebenzi UMKHUPHELI ukuhlawulela iinkonzo, kwaye umgcini, ke, linyanzelekile ukuba abuyele into nikholosile ngokupheleleyo.

Ukupheliswa ibitheni yokugcina

Kwi contract yokugcina ngokuxhomekeke kwimithetho jikelele ngokunqunyanyiswa izivumelwano. Nangona kunjalo, kukho iimeko ezizodwa ukupheliswa kwexesha:

• i UMKHUPHELI unalo ilungelo lokwala contract yokugcina ukuba into efunekayo ngomhla obekiweyo ngaphambi ochaziweyo kwisivumelwano;
• Ukuba njengomgcini uyaqonda ukuba akanako ukunika iimeko eziyimfuneko yokugcina, ubophelelekile ukuba ukuxele UMKHUPHELI, ukuba akazange athathe amanyathelo ayimfuneko, lo umgcini unelungelo lokuthengisa propati;
• Ukuba ngexesha yogcino uzimisele ukuba nto iimpawu ezinobungozi, umgcini uvumelekile ukuba siyitshabalalise; ngokulandela Art. 894 of the Code Civil;
• ukuba UMKHUPHELI kubambezele intlawulo ukugcina ngaphezu kwesiqingatha kwisithuba esilungiselelwe yi ikhontrakthi.

Ukuze lokuphelisa isivumelwano yokugcina inokuba enkundleni, kodwa komqathango wokuba ummangali, nokuba ngumlondolozi okanye abagcinisa, angaba ukutyeshelwa eziphathekayo yesivumelwano ngamanye iqela.

sukugcina

Nayiphi na inkampani kungekudala ejongene umbuzo lokucwangcisela, iimpahla kufuneka ukuba lugcinwe kwaye lingashukumi. imibutho Freyistata abaninzi zinika iinkonzo eluvalelweni.

yokugcina ekhuselekileyo - ngoku kukungabikho imfuneko yokuthenga ubuchule babo yokugcina yakhe akufuneki ukwakha okanye ukuqesha yokugcina, ukuqesha abasebenzi, ukuba umbize imivuzo kunye nezixhobo kusithenga nokugcinwa yokugcina. intlawulo yempahla yokugcina kufuneka ixhotyiswe ngokupheleleyo, akunamsebenzi isonjululwe ngokupheleleyo iinkqubo linikisa kuphela, buye ezidunyelwe nomtsalane, sicoceke kunye nice. Xa warehouses ezinjalo akukho umbuzo bafaki benesidima.

iimpawu ezikhethekileyo ekugcinwa yokugcina uxanduva kunye nerenti yokugcina:

• ukuba imiqathango efunekayo yesivumelwano Escrow ingaquka iinkonzo ngamnye, palletizing okanye ezinye iinkonzo ezintsonkothileyo;
• akukho mfuneko yokuthenga izixhobo yokugcina ukuqesha abasebenzi;
• ukhuseleko olupheleleyo imvumelwano yesifundo, nokuba Ukuba ke isiphoso yokugcina-moya;
• ithuba lokwanda okuqhubekayo indawo yokugcina;
• ithuba lokuba uhlawule kuphela ugcino kanye.

Kakade ke, ukuba kukho inkonzo elolu bengengabo ziyafikeleleka, yaye akukho sithuba jikelele yokugcina efanelekileyo, kunjalo yokugcina ukugcinwa - ithuba elikhulu ukuba bayeke ukuhlala usisindise.

Iimeko ebalulekileyo yesivumelwano Escrow zingaquka ilungelo lokuthengisa. Kwezinye iimeko, le UMKHUPHELI ukuze emiselweyo njengomgcini imiqathango ukuphunyezwa ipropati egcinwe. Umzekelo, ukuba umqeshi-UMKHUPHELI Qiniseka ukuba akayi kuba nako ngexesha ukuqinisekisa ukugqithiselwa kweempahla kumthengi, lo msebenzi uya kudlula umgcini. Iinzuzo evela kwintengiso ziphantsi abagcinisa. Le mvumelwano lunganikezelwa ukuba sum of efumanekileyo mali kwicredit ukwenzela ukugcinwa kunye nokuthengiswa kwempahla.

iimeko ezifanayo ziqulethwe contract nokugcinwa kunye pawnshop. Kulo mzekelo, akukho imali onokuthenga kwisithuba sexesha elibekiweyo wepropati UMKHUPHELI inokuthengiswa umgcini.

Lunikezelo impahla kunye nokugcinwa

Ngokutsho imithetho jikelele isivumelwano supply uhlobo lwesivumelwano ukuthengisa. Phantsi ngokwemiqathango yesivumelwano, umthengisi unyanzelekile ukuba ukudlulisela into kumthengi kwesivumelwano, nokuba ke kwimivuzo ukwenziwa.

Umthetho sinyanzela umthengi ukuba lokugcina iimpahla, enqaba, ukuba unolwazi kumniki ngesigqibo salo. Provider kwithuba oluxeliweyo, ngokokubona kwayo ukulahla impahla, azeke umva, okanye athengisele wesithathu. Ukuba umthengisi ayikho igcinwe ngaphakathi kwixesha ekuvunyelwene, umthengi unelungelo lokuba bajongane nayo ngokokubona kwakhe, ukuliphumeza. Ukuba ukwala othengayo ngayo iimpahla ezibonelelwa ngokwemiqathango yesivumelwano okanye ngumthetho, umthengisi uvumelekile ukuba bafune intlawulo wento ephosiweyo.

Kukho kwakhona uhlobo isivumelwano lobonelelo kunye nemiqathango yesivumelwano lokugcina. Umthengi nga thethana kumthengisi ukuba umxholo kwesivumelwano kudluliselwa kuye ngaxa lithile, yaye ngaphambi kwalo mhla umthengisi lenza zokugcina ubutyebi ezifunyenwe. Ngokwendalo, inkonzo yokugcina kufuneka kwenziwe qho ihlawulwe.

Ukugcinwa ngendlela yokugcina

Lo mthetho yabela imvumelwano yogcino indawo yokugcina ehlelo eyahlukileyo. Imeko ebalulekileyo kugcino contract kwi indawo yokugcina - oko ngolawulo amaqumrhu asemthethweni ukuba aphumeze umsebenzi ozimeleyo onesakhono zokubonelela ngeenkonzo zokugcina. UMthetho zomthetho kule etyaleni akalulandeli nokulawula ubudlelwane kwi izitora, nto leyo ilicandelo yeshishini elithile.

Kukho iindidi ezimbini zokugcina:

• uluntu;
• Iivenkile beSebe, ekhonza izakhiwo ezithile, ezifana yokugcina zomkhosi.

abafanele yeSebe zokugcina iimveliso non-core, kodwa ilungile, kungekhona isibophelelo.

Warehouses ezingenza:

• yokugcina Ndahluleleni, oko kukuthi, kwimveliso nganye wasindisa umnini ilungelo ilifa layo.
• yokugcina angenabuntu, oko kukuthi, ipropati egcinwe iimpawu generic, ngoxa liphethwe ngumntu eyahlukileyo. Kulo mzekelo, i umgcini uyavuma ukubuyela abagcinisa inani elilinganayo lezinto ze uhlobo olufanayo, ekufuneka kugalelwe. warehouses abanjalo bhetele kakhulu ngokubhekiselele kwezoqoqosho, kodwa abagcinisa ingozi enkulu ukuba ufumane into umva akufanelekanga ngokupheleleyo ingcaciso oko awayebekwe.

Le bailor kule hlobo contract linelungelo lokuhlola impahla yakhe. Ukuba yokugcina lwenziwa kwiimeko lithiwe pahaha, ungathatha iisampulu ukukhangela kwipropati egesini zokugcina.

Imeko ngokungenela yokugcina indawo yokugcina kwekhontrakthi isenokuba yinto processing kwesivumelwano, umzekelo, ukupeyinta okanye omiswe, ephaketheni.

A uhlobo olulodwa lokugcina kwi indawo yokugcina - ngokwemimiselo yayo onegunya. Izivumelwano ezinjalo ezineefitsha mboleko, ngoko ke ingozi ngqo ukutshatyalaliswa ipropati egcinwe udlula ngokupheleleyo umgcini.

Ukugcinwa ngendlela pawnshop

Lombard - a nezentengiselwano benza kunikezelo mboleko olubekwe yi izinto ezithile. Kulo mzekelo, isivumelwano yokugcina imeko kubalulekile - kukuba abagcinisa singenza kuphela umntu, kodwa into zidluliselwe zogcino, impahla kuphela nangempahla yabathengi. Isivumelwano kunye pawnshop yinto yoluntu, fixed-term, kwaye umxholo kwesivumelwano kuxhomekeke uvandlakanyo. Guardian, kulo mzekelo, lo pawnshop kufuneka inshorensi impahla esithathwe UMKHUPHELI ngakwicala lakhe, ixabiso lonke, nto leyo ugqibe lokuhlola into kwekhontrakthi.

Igcina zexabiso ebhankini

Olu hlobo lwesivumelwano kwakhona inophawu yoluntu. Izenzo ibhanki ukugcinwa kufuneka ube iphepha-mvume eziyimfuneko. Njengoko enze njengesifundo yesivumelwano;

• izibambiso;
• amatye anqabileyo nesinyithi;
• amaxwebhu kunye nezinye izinto ezixabisekileyo.

Njengoko isiqinisekiso yamkelwe impahla efakwe kunye ebhankini ikhupha igama elithile uxwebhu ukuya abagcinisa, nto leyo isisiseko kunikezelo yezinto zexabiso umva. Kolu luhlu kuwa imvumelwano iibhokisi imali ukhuseleko ngamnye kunye neeseli. Ezi zivumelwano ukubonelela UMKHUPHELI ukuba enze izenzo ezithile kunye nezakhiwo zawo ezindongeni ziko. Kulo mzekelo, ibhanki kuphela ukukhusela ukungena ngokungekho mthethweni egumbini apho ugcina zexabiso.

Kukho iintlobo ezininzi kwezivumelwano zokugcina, ezikarhulumente akukho. Kukho kwakhona contract esimbaxa yokugcina, umzekelo, xa ezithutha abakhweli. contract lokugcina kuba yinxalenye nje entsonkothileyo kuphela, kodwa ke isivumelwano engumxube, umzekelo, isivumelwano hambo zothutho, apho umqhubi okanye forwarder uya kuba noxanduva hayi kuphela iimpahla, kodwa ukhuseleko yayo phambi kokuba usulelo kumamkeli.