Return of inzala mboleko uhlawule ekuqaleni: Litigation

Namhlanje yayisathe abantu abaninzi abajongene mboleko yebhanki. Ukwenza imali-mboleko kwi ebhankini, abaninzi reinsured uthabathe bokudlala enkulu ngokwaneleyo. Ngenene kudla ajike ukuhlawula imali-mboleko yonke kakhulu ngokukhawuleza, kodwa kucaca ukuba ixesha iintlawulo ibhanki efunyenwe mboleki kakhulu. Ngaba kunokwenzeka ukuba babuyele inzala mboleko uhlawule ekuqaleni? lo mba kufuneka ukuba ziqwalaselwe ngokweenkcukacha.

Ithuba lokubuya pesenti

Ngokuqhelekileyo, amaziko yezemali emiselwe ngqo ngeentlawulo rhoqo iintlawuliso ezongezelelweyo, ukungahlawulwa yenqununu okanye efumanekileyo, ukuze ubuyele imali iba kuyingxaki. Iimbuyekezo umdla ihlawulwe khona kwimeko buyiselo yokuqala mboleko yokwenene kuphela xa uphumezo efanelekileyo yesicelo efanelekileyo nokuqinisekisa ukuba imali ihlawulwe ngokupheleleyo.

Xa sijonge ezi zinto, kufuneka sinikele ingqalelo kwezinye iimeko yesivumelwano semali-mboleko. Ngoko ke, jikelele kwisivumelwano esibhaliweyo kuthiwa ukuba akunakwenzeka ukuhlawula ngaphambi amboleke ishedyuli kwisithuba sexesha elithile.

nazo:

• iimeko ezithile buyiselo ngaphambi yeziko ngalinye yemali yawo;
• nokuba kuthe intlawulo yokuqala umboleki kufuneka ukuba ahlawule izavenge zenyanga de de intlawulo epheleleyo iqinisekisiwe.

Kuba ukuba ungafumana umva imali yakho?

Buya umdla surplus uhlawule yokuqala mboleko - hayi nje kuphela imali imali ukuba umthengi ibhanki unelungelo lokufumana ukusuka umbutho kwimeko yokuvalwa ngaphambi ityala.

Phakathi kwabo:

• Intlawulo yenkonzo kunye nokuvulwa-akhawunti (ukuba umboleki ayikhange utyikitye isivumelwano);
• angafuneka ukuze processing mboleko (ukuba umboleki ayikhange utyikitye isivumelwano);
• Iintlawulo ze-inshorensi ukuba ikhontrakthi kuzo kwaye sele ukhutshiwe na;
• ngokwenene egqithisileyo inzala ngemali-mboleko;
• ezinye iimali ezongezelelweyo ifihliwe.

Ifom oqhelekileyo iintlawulo zenyanga

Ngokwale hlobo zokuhlala kunye ziko zemali umntu wendalo okanye osemthethweni ukuhlawula isixa esiqingqiweyo rhoqo ngokungqongqo. Oku kuquka zombini iintlawulo zokuyibuyisa iintlawulo ityala kunye nenzala kunye nezinye iintlawulo. iintlawulo ezo zibizwa ngokuba annuitant, inzala ukubuya xa intlawulo yokuqala-mboleko kulo mzekelo yeyona efanelekileyo.

Eyona nto kukuba loo ntlawulo ekuqaleni kwethuba ziqulathe umdla, kunokuba ityala ngokwalo. Kubonakala ukuba mortgage ngemali eminyaka, isibini sokuqala kweminyaka, lo ubolekayo yenza phantse omnye ekhulwini, eshiya yena namatyala ajingayo.

Kwakhona kubalulekile ukwazi ukuba indlela ekhethekileyo kufuneka esetyenziswa ekubaleni i oluchanekileyo inzala iintlawulo zomnyaka, kodwa iibhanki ezininzi ukwahlula ngokulula umdla yonyaka-12 kwaye ovelisa umphumo izibophelelo yenyanga, nto leyo eneneni ngaphezu amanani eyiyo kwi iingongoma ezimbalwa.

Intsomi ye annuity

Abantu abaninzi banoluvo lokuba ukubuya inzala kwimali-mboleko uhlawule ekuqaleni ziya kuba nelona galelo xa uhlawula imali mboleko leyo fixed iintlawulo. Isibakala sokuba ezo ntlawulo uhlawule isixa lokuhlawula zonke iintlawulo, nto leyo oxhaswa kunye iinkundla. Enyanisweni akunjalo. Xa ngokutsha oluneenkcukacha ekubaleni intlawulo annuity kwisithuba lomvuzo nganye, kucacile ukuba ukubalwa umdla lwenziwa ngokwahlukeneyo ngalinye ngenyanga yokugqibela yokusebenzisa imali. Oko akukho ntlawulo egqithisileyo kwangaphambili ngohlobo lwentlawulo ayikho.

imithetho yokuqala ngokosuku

Ngokubhekiselele kwiintlawulo zemali ukubuya inzala kwimali-mboleko uhlawule ekuqaleni - elukhuni kwaye onzima, kodwa kucingwa ubungakanani ukubuyiselwa imali kunokwenzeka, inkqubo ubaluleke ngayo. Amathuba ukuze kuvunywe isicelo sokubuyiselwa imali yaba eliphezulu, kufuneka ngokungqongqo ulandele yonke imiqathango kwemali kwexesha. Ekuqaleni, kufuneka ukuba uqaphele kwiziko lamatyala umnqweno Ungayihlawulwa ityala layo. Kungcono ukwenza oko ngembalelwano okanye intanethi, ukuba itoti bank. Oku kulandelwa:

• ukongeza imali efunekayo kwi-akhawunti yombutho, ukufumana irisithi;
• afumane isiqinisekiso ebhaliweyo intlawulo epheleleyo yetyala, kwaye akukho izibophelelo ebhankini.

Baleka lokugqibela kwenyanga kuphela emva kokuba ukuqaliswa sonke isixa ngqo kwiziko zemali.

Xa sijonga ngokwemvumelwano, emva kokuba onke amanyathelo ngasentla, ungafaka ibango sokubuyiselwa kwemali egqithisileyo. Ekuqaleni, iziko lamatyala, yaye emva koko xa ukusilela enkundleni.

nezomthetho

intlawulo yokuqala-mboleko, ukubuya umdla, ngendlela egwebayo, njengoko umthetho, cinga ngokusekelwe imiyalezo ulwazi ezahlukeneyo ukusuka kwiinkundla ephakamileyo. Elokuphetha yabo inzala kwimali-mboleko zithathwa iifizi ukwenzela ukusetyenziswa kwezibonelelo, yaye, ke ngoko, kufuneka kwenziwe iziko lamatyala kuphela kwisithuba apho imali xa ukulahlwa umthengi yebhanki. Ngoko ke, imfuneko ibhatelwe imali ye ixesha xa mboleko sele lubuyiswe, kuquka ngaphambi kwexesha, akukho mthethweni.

Kwakhona kubalulekile ukwazi ukuba enoba ukuba itekisi yesivumelwano phakathi ebhankini kunye client kumiselwa umlomo ukubuya umdla, iziko lamatyala ayeza kuba kufuneka ukuba abuyele imali ingxelo ohambelana yomthetho. Ukongeza, iziko zemali kufuneka phantsi kwazo zonke iimeko ukuba baphumeze recalculation of imirhumo efunyenwe uhlawule yokuqala ematyaleni.

Xa sijonge ezi bokuqonda ngokwasemthethweni ukusebenza ecaleni obolekayo, kukhuselekile ukuba benze iimvavanyo kunye namaziko ngetyala kwi ukubuya imali egqithisileyo kubo.

Indlela ukufumanisa ubungakanani egqithisileyo?

Return of inzala mboleko uhlawule kwangethuba ukuze kubalwa ngeendlela ezimbini. yokubala kakhulu onzima kuthathwa ngokujonga umahluko phakathi imilambo ezimbini annuitant. Ngenxa yoko, umboleki kufuneka ukufumanisa umahluko phakathi imiqathango lwangoku annuity kwi ixesha langoku zokulungisa le mboleko kunye nemiqathango ukuze thaca kuye xa usenza isicelo semali-mboleko nje ixesha elifutshane apho ukuthimba intlawulo yokuqala. Olu hlobo yokubala lunqabe kuthathelwa ingqalelo ngabo amagqwetha, kwaye ube efanelekileyo kuphela xa nenzululwazi yengingqi kwiimeko anikiweyo.

Amaninzi, iintlawulo zenziwa ngendlela lula, nto leyo ethatha ingqalelo kunye namagqwetha. Oku kuquka recalculation umlinganiselo lwamaxabiso ixesha lesivumelwano. Ukuze wenze oku, siya ukubala umthamo zonke ekuthini ixesha ekhulwini sivumelwano.

Emva koko:

• ukubala ixesha lokuhlawula imali kwaye sele ihlawulwe accrual;
• udibaniso lwamaxabiso wonke umdla lahlulwe yi kota mboleko, wande ngenani kweentlawulo esele ihlawulwe.

Isiphumo yokubala iza kuba isixa kufuneka ukuba uhlawule thuba ukusetyenziswa kwemali yebhanki. Umahluko phakathi inani lokwenyani kwaye ifumaneka yokubala egqithisileyo leyo kufunwa kwiziko lamatyala. Hayi ukuba iphutha izibalo ezizimeleyo, ungasebenzisa i-mboleko, nto leyo imelwe kwicandelo likarhulumente.

bokuqonda babuyele

uqikelelo Independent alusoloko luchanekile, kuba abasebenzi ibhanki inako ziquka ezinye iintlawulo ezingafakwanga kumaxwebhu obhaliso lwabafundi kakhulu yi-nye umnikimali nomamkelimali. Ngoko ke, ukubuya umdla uhlawule yokuqala mboleko sokubambisa kunokuba ezinye izibalo, apho izibalo self-kubalwa nje engumzekelo.

Kubalulekile ukuqonda ukuba imbuyekezo umdla kweli xesha xa imali kokusetyenziswa obolekayo, akunakwenzeka, ekubeni le mali ihlawulwe ebhankini, yaye olukhuselwe ngumthetho kwicala le mibutho ngetyala.

Xa kuthathelwa ingqalelo konke oku kungentla kufuneka ukukhawuleza kunye izibalo kunye ukufumanisa ukuba kukho isivumelwano jikelele ithuba intlawulo yokuqala ematyaleni.

ukulandelana yezenzo

intlawulo yokuqala-mboleko kwi-Savings Bank, ukubuya inzala apho nako kuthwalelwa phandle phantsi komthetho, kufuneka uthathe indawo ngokungqinelana zonke ngokwemiqathango yesivumelwano. Kungenjalo, ibhanki siwutshintshe imeko ubabalo, ngoko ngaphambi kokuba naziphi na iinkqubo kuhle ukuba ubonane yobungcali abaqeqeshiweyo simazi iziphumo neemvavanyo sele zimiliselwe zabanye.

Emva koko, kufuneka alungise ingxelo ebhaliweyo enkundleni. Ngokomthetho, ukuba isixa-mali ekuxoxwa ngaso sidlula 100 lamawaka engange, isicelo kufuneka kuqwalaselwe sele kwii-ofisi zezithili. Kwakhona, iziko lamatyala kufuneka pre-walumkisa malunga injongo ukufaka isimangalo. Kwezinye iimeko, iibhanki ziyavumelana amabango mboleki, yaye yonke imiba ziyasonjululwa ngaphandle inxaxheba kweenkundla.

Imithetho ekubhaleni iingxelo

intlawulo yokuqala-mboleko kwi-Savings Bank, imali ekhulwini echanileyo, kwenziwa amalungiselelo esi isicelo kwifomu eqingqiweyo entlanganweni. Kwezinye iimeko, abaqeshwa abanganyanisekanga uya kwala nje ukunika umxumi kwifomu efunekayo, uze emva koko sakumanyelwa esi sicelo zibhalwe kwifom free. Ukuba yokwamkela mazwi nayo wakhanyela, kufuneka ujonge manual ucele ikopi ukwamkelwa kwabo kokuvakaliswa ngophawu lwe yokwamkela kunye nomhla.

Ukubuyisela umdla xa intlawulo yokuqala ye-mboleko, isicelo kufuneka ziqulathe:

• data Passport of sicelo;
• yonke idatha ye sivumelwano semali-mboleko;
• Inombolo ye-akhawunti, nto leyo iya kugqithiselwa egqithisileyo.

Isicelo ngokuyimfuneko isicelo kwakhona ikopi yesivumelwano sentengo yemboleko. Iingxelo emibuzo ngokuqhelekileyo iintsuku ezintathu.

Ibuyisela intlawulo eyongezelelweyo

Ukongeza kubaboleki surplus umdla amaninzi zifumaneka phakathi kwabo iinkonzo zihlawulwa ngabo, nokuba yiyiphi, sebenzisa kwaye musa ukubhalisela phantsi isigxina wabo.

Ezi ziquka:

• zebhanki mobile;
• zanyanga le-inshorensi, njalo-njalo.

Ebekwe inkonzo yebhanki ukuba kurhoxiswe nangaliphi na ixesha, kunye nengxelo mboleki, xa intlawulo yazo yaqukwa kwi imirhumo yenyanga, ibhanki unyanzelekile ukuba kubalwe aze abuyele imali ukuya umxhasi xa kuyimfuneko.

Kubalulekile ukwazi ukuba nokuba engaqondanga usebenzisa iinkonzo ixesha elithile kuya kufuneka ukuba uhlawule. Kwakhona, ukurhoxiswa ayikwazi ukuba iindidi ezithile yeMisebenzi - ngenxa yokumpompoza ukugcinwa imali-mboleko kunye akhawunti, kuba iimeko umgangatho zonke iintlobo izivumelwano.

isiphelo

Qiniseka ukuba ndibhenele ibhanki uncedo lwemali, funda amagama ayo. intlawulo yokuqala-mboleko, ukubuya inzala, iintlawulo ngonyaka, ukubuya intlawulo eyongezelelweyo - konke oku ingqiqo ngendlela entsonkothileyo, ekufuneka zinokulungiswa ngayo kakuhle. Kakade ke, banikwe ubukhulu mhlawumbi yenkqubo mali yi azahlulele.