Siqinisekiso Independent njengendlela yokuqinisekisa inzaliseko nezibophelelo. isiqinisekiso bank Independent

Umda umthetho civil ngonyaka ngamnye nise kuko konke iinguqu ezinkulu, ingakumbi kummandla zebhanki. Kukho iindlela ezintsha ngetyala, ngokwemiqathango yesivumelwano, amathuba njengesiqinisekiso, kwakunye nenzuzo ezinxulumeneyo. Kutshanje, kwi-Code Civil, ingqiqo omtsha obizwa "siqinisekiso elizimeleyo".

Ifomu kunye nesiqulatho

siqinisekiso Independent njenge ndlela ukuqinisekisa inzaliseko izibophelelo na ukuba ahlawule imali contract echazwe ngqo, kungakhathaliseki ntsebenzo yabo waba ngummeli wowona ulungileyo ukuhlawula imisebenzi.

I-Russian Civil Code ithi ukuba olu hlobo siqinisekiso ikhutshwa ebhaliweyo. Ukongeza, kukho kufuneka iingongoma ezibalulekileyo loxwebhu: iimeko zemboleko, kunye neenkonzo zoyilo. ingxelo ebhaliweyo ezinyanzelekileyo kufuneka ziqinisekiswe ngamaqela, kuquka amaqela esithathu. Zonke bokuqonda nalo mba ziboniswa nqaku. 368 of the Code Civil.

Inkqubo lokunikezelwa

Umthetho okhoyo ithi ukuba siqinisekiso esizimeleyo ingakhutshwa kuphela ngamaziko yibhanki okanye ngetyala, nto leyo eya kuba waba ngummeli wowona ulungileyo. mthetho Norms ebizwa kuluhlu abantu banelungelo lokhuselo lwentlawulo:

• Iibhanki kunye nemibutho zebhanki naluphi na uhlobo, esinephepha mvume ukwenza imisebenzi zemali.
• amaziko Credit, umzekelo, ukukhutshwa mboleko zexesha elifutshane.
• ezikhoyo zorhwebo, abo amandla ngokufanelekileyo ukuba umba iwaranti.

Inkqubo echazwe na uhlobo yemali deal elinye macala. siqinisekiso Independent njengendlela yokuqinisekisa ukuba izibophelelo lingaphunyezwa njani mvumelwano ngokucelwa ngamaqela isiqinisekiso. Ezi zenzo zibangela ukuba kubuzwe lo iimfuno ziyabophelela ngokusemthethweni kwintsebenzo izibophelelo ngokulandelelana ezivela imiqathango yesivumelwano.

Malunga iimpawu isiqinisekiso ozimeleyo

Eyona iphambili, owosindiswa ngawo wena uyakwazi ukubona olu hlobo siqinisekiso, oko elizimeleyo imbopheleleko esiyintloko ebekwe yi kwiziko lamatyala. Umahluko omkhulu luboniswa ezi mpawu zilandelayo:

• isiqinisekiso Independent akayeki izenzo zayo ngokususela kwintsebenzo ityala. Ngaphezu koko, ngexesha kuhlawulwa, ayizange akayi naluphi na utshintsho.
• Zidala isibopho iBhayibhile ithetha zidala ngesiqinisekiso.
• Kukho nobubi. Beneficiary unyango ngokuphindaphindayo ukunika ilungelo lokufumana ingqalelo uhlobo iwaranti. Ngaphezu koko, inzaliseko epheleleyo okanye kwinxenye yemvumelwano akuyongqinisekiso yokuba irisithi yayo.
• isiqinisekiso bank Independent nangayiphi na indlela angavumelaniyo kunye kahle. Naziphi na amabango okanye izichaso eziphakanyiswe onetyala, aluchaphazeli ngokwemiqathango yesivumelwano.

izifundo zomthetho

Le ndawo ebanzi yomthetho zemali ubandakanya uluhlu enkulu zezifundo. Ngoko ke, lo siqinisekiso elizimeleyo njengendlela yokuqinisekisa ukuzaliseka izibophelelo isebenza kwaba bantu balandelayo:

1. Garant.
2. Beneficiary.
3. Principal.

Ngalinye amaqela kwisivumelwano uvelisa kubaluleke kakhulu. Ngenxa yoko, waba ngummeli wowona ulungileyo inika zonke izimo ezidingekayo ukuze nokukhutshwa kweziqinisekiso ezizimeleyo. Iqela lesibini alamkele ukwenzela ukunika lesithathu, into ke leyo efuna ngokungxamisekileyo kuyo. Intsingiselo yalo turnover kukuba ukuvumela unetyala kukhuselwe kwimali-mboleko kunye nelungiselelo mboleko - ukuba eqinisekile ukusebenza izibophelelo nangayiphi na indlela.

Funda okungakumbi ngale meko

siqinisekiso Independent yenye yeendidi zentengiselwano, kwanokuba oko kunto-macala. Le mvumelwano on yokubolekisa elibonakaliswe isibonelelo mboleko, hayi kuphela ngokwemigaqo emali kodwa esitokisini, bonds, iitsheki, kunye nezinye izinto kunye ebonisa iimpawu individualizing.

Isiqiniseko kakhulu epheleleyo ezimeleyo, imilo ethe yachazwa Art. 368 of the Code Civil, lubonakala kuxwebhu, leyo nespelete elubala imiqathango ezisisiseko, imeko amanqaku. uluhlu olupheleleyo lwezinto mandatory yesivumelwano imi ngolu hlobo lulandelayo:

• Iinkcukacha zamaqela. Igama elipheleleyo kuyimfuneko ukuze ukuchonga amaqela. Kukho iidilesi ezibalulekileyo inkampani lubalaseleyo nesibili, ukuba ngoku kunye nenxaxheba yingisela.
• Le nkqubo yokubala iza kuqinisekisa umgangatho iintlawulo ematyaleni, kwaye ukuba kuyimfuneko ukuba ukusombulula inkundla njengobungqina.
• Ngokukhankanywa ithuba yokosulela namanye amalungelo abantu le beneficiary.
• Imali uboleka inkxaso yalo, kwakunye ubungakanani ngeentlawulo zamaxesha.
• Ziqala yeemeko ezingaqhelekanga neziphumo isixa amatyala kuncitshiswa okanye linyuke. Kufuneka ukhankanye imeko ethile, kwakunye ubungakanani mali: imbuyekezo okanye nezohlwayo.
• Ubude kwesivumelwano kunye noluhlu izibakala ezisemthethweni ezenza kunokwenzeka uphelele.
• Umhla kunye iisiginitsha zamaqela.

Kwizibalo kanye izibalo

siqinisekiso Independent, nto leyo zinikwe inkampani wesithathu iimeko kufuneka ukuziphikisa iimeko jikelele yesivumelwano setyala ukuba isayinwe phakathi kwenqununu umntana.

Ummiselo ngokusemthethweni lo mba lubonakala zobugcisa. 377 of the Code Civil. UNorma wathi ekubaleni imali-mboleko kunokwenzeka kuphela ngokuhambelana ne-mali, nto leyo ugqibe ngesivumelwano phakathi otyalwayo kunye unetyala. Kwimeko ka-non ukuthotyelwa izibalo isivumelwano, onetyala unakho kuvavanywa abanomdla yesohlwayo. Kolu xwebhu lolawulo ukuze kakhulu kubonelelwa.

Art. 314 of the Code Civil icwangcisa nemihla ethile:

1. Ukujongisisa iimfuno enikiweyo kwiintsuku zomsebenzi ezi-5.
2. contract isiqinisekiso Independent ungabonelela ithuba yokwandisa ixesha inyanga, kodwa akukho ngaphezulu.

Kwimeko izibalo lingekabi lilixa layo, waba ngummeli wowona ulungileyo unoxanduva zemali ngokupheleleyo ngokungqinelana ne Art. 395 of Civil Code of the Russian Federation.

ngezigaba

Iintlobo siqinisekiso oluzimeleyo yile ilandelayo:

• Isiqinisekiso yethenda.
• Isiqinisekiso ngokubulawa.
• Ukuqinisekisa izibophelelo intlawulo imbuyekezo.

Ekupheleni kwale hlobo ngokwemigqaliselo intengiselwano kunye nemiqathango yesivumelwano kuvandlakanywa nakanjani:

• Ukungakwazi ukutshintsha imigaqo unilaterally.
• Le umlomo ngokutsha.
• Mthethweni ngaphandle kwesivumelwano onke amaqela.

Umbolekisi unelungelo ukuphathisa isimo sabo, ukuba ikhontrakthi inikeza njalo. Okwangoku, kubalulekile ukuba uyavumelana waba ngummeli wowona ulungileyo, kunye imvume kuye. Ukongeza, isabelo imbopheleleko inqununu, njengoko umthetho, kubandakanya umsebenzi onke amalungelo.

Kulo mzekelo, ukuba isivumelwano iwonga non-kudluliselwa ye kuphangwa, ilungelo umxhamli emayigcinwe nabo kuyo nayiphi na imeko, nkqu kwemvume waba ngummeli wowona ulungileyo.

ukwala kulingane

Umntana unalo ilungelo lokwala ukwenza imali (bengenzi) kwezi meko zilandelayo:

1. Iimfuno musa ukuhlangabezana nezibophelelo zezivumelwano.
2. Amaphepha ezingeniswe musa ukungena kakuhle izithethe, imithetho, uyilo, umxholo efanelekileyo.
3. Umhla amaphepha ngokuthumela iye yalityaziswa.

Kulo mzekelo, lo mthetho ubonelela ngamathuba ngokwandisa ixesha leentsuku ukuya ku-7 kwezi meko zilandelayo:

• Na ukungaqiniseki ukuba ukuchana amaxwebhu ecetywayo.
• Ukuza ngokoMthetho.
• Performance of isibophelelo yinqununu.
• Izibophelelo baye balahlekelwa ifuthe lazo.

Kwimeko apho ayiqinisekiswanga amathandabuzo, waba ngummeli wowona ulungileyo lizimisela ukuzithobela zonke ngokwemiqathango yesivumelwano. Kwimeko apho iimfuno wammela evela umbolekisi, owokuqala ndibotshiwe kwixa elizayo ukuba azise inqununu.

Ukupheliswa ngesiqinisekiso

Ukuba nokwenzeka yokunika kweziqinisekiso null and void kwezi meko zilandelayo:

• Ekupheleni kwekhontrakthi.
• imali mboleko ihlawulwe yi onetyala ngokupheleleyo.
• Umbolekisi wala zonke iimfuno.
• Umboleki ngencwadi ebhaliweyo yakhulula unetyala evela imisebenzi yakhe.

Olu daba kulawulwa yi Art. 378 of the Code Civil. Kwimeko yokuphelisa siqinisekiso ezimeleyo waba ngummeli wowona ulungileyo linyanzelekile ukuba ukwazisa unetyala ngako. Ngaphandle ithuba ikuvumela ukuba ukwandisa imihlaba ngetyala kunye nemibutho ebhankini, yaye abemi, neliya, vula amathuba amatsha ukuze bafumane iimali-mboleko.