Indlela yokwenza isiginesha. ukulungiselela namarisidi Sample

Nakuba manje yibhange imali engango noma inhlangano microcredit ayenzi kobunzima, abantu abaningi namanje uthanda uma kudingeka ukuboleka imali ezihlotsheni. Kuyaqondakala, amabhizinisi adinga isinyathelo esiqondile, ukuhlinzeka zonke izinhlobo amadokhumenti, bese kuba ngolunye, futhi baphoqeleka ukuba baphindele kanye lemali avelele izikweletu umrholo ngebanga lokuqatjhwa ukusetshenziswa imali. Bangazihluphi okufanayo nabangani, zonke lezi izinqubo bureaucratic engashiywa, futhi abantu abangamaphesenti angu-abantu abaseduze ukukhokha ayidingekile. Nokho, ngaphambi kokuba uboleka imali, njalo umbolekisi engaba idinga ukwazi ukuthi ukubhala irisidi. Akuwona wonke umuntu kanjalo incwadi eyakhishwa kungaba zithunyelwe emagunyeni sokwahlulela nokuqoqwa kwezikweletu.

irisidi

ukubolekisa Cash engiwenzayo ithatha cishe bonke abantu abanye abazenzayo onecala izihlobo, kwesibili - ozakwabo. Lapho inani loan incane ke abantu bevumelana phakathi kwabo ku nesikhathi ukubuya yayo, ngokuvamile kwenzeka kule simo setemlomo. Kodwa uma lemali inkulu ke ukuze uthango izingozi zawo, umbolekisi kudinga okweletayo idokhumenti esiqinisekisa kwenzeka ukudluliselwa imali kanye nesibopho ukubuyela kubo. Ngakho-ke, abantu abaningi kakhulu ngokucindezela mbuzo: "Indlela yokwenza irisidi ngokomthetho lesifanele"

Inkontileka noma irisidi?

Made irisidi sakhe futhi nesivumelwano sokubolekwa imali empeleni alihlukile. Lesi sakamuva Ivame ukwenziwa phakathi izakhamuzi ezivamile, uma isamba semali lent esikhulu kakhulu. Bese bengibuza ukuthi ngenjongo yokuyohlelekela le dokhumenti ummeli olungisa izivumelwano. Ngokungafani kokuthola nesivumelwano sokubolekwa Ngokuvamile kwenziwa Ezimweni lapho isivumelwano temlomo ecasulayo Imiphumela eyingozi obolekisayo, non-ukubuya izimali, futhi badlulisela icala zingenzeki ummeli olungisa izivumelwano ngenxa lemali hhayi elikhulu kakhulu. Akuwona wonke ummeli uzokutshela mahhala indlela yokwenza irisidi yemali, ngoba inzuzo engaphezulu ukuze aqinisekise isivumelwano bese imali ngoba.

isisekelo zomthetho

Umthetho kahulumeni iye yaba ithuba ukuqinisekisa Eqinisweni lokunikezelwa loan umbolekisi ukuthi umboleki. Ikakhulukazi, sihloko 808 Code Civil sithi nesivumelwano sokubolekwa waphetha phakathi izakhamuzi, kumelwe nakanjani babe ngokubhala. Nokho, lokhu sidingo sisebenza kuphela kulabo ukuthengiselana, isamba okuyinto ephindwe izikhathi eziyishumi kunomuntu isethi ngesikhathi loan we amaholo (SMIC).

Ngaphezu kwalokho, umthetho-civil luthole ukuthi uma umuntu ayemkweleta futhi okweletayo ayenzi idokhumende ebhaliwe enjalo, isivumelwano ngeke hlonishwa njengomphakathi ezingavumelekile, kodwa ngesikhathi esifanayo, umbolekisi ngeke sikwazi ukuncika ukuchitha ubufakazi bofakazi enkantolo. Usuke ezodinga ukubheka ezinye ubufakazi ebhaliwe.

Ukuze ugweme ukuxakeka ezinjalo, idokhumenti kulula ukubhala, bese ukubhala i IOU, ongamtshela nommeli ongumakad 'ebona.

Amaphutha Common ekulungiseleleni idokhumenti

Ulwazi kanjani ukudala i IOU, ngeke kakhulu lula inqubo yezomthetho endabeni non-ukubuyiswa kwemali imali, ngoba kuzodala ehlotshisiwe kahle nobunzima ezingadingekile kanye izithiyo zomthetho.

Omunye kakhulu njalo ezenzeka amaphutha izakhamuzi ekulungiseleleni insimbi izikweletu tibalwe lapha ngentasi.

umboleki individualization

Omunye amaphutha, uma idokhumenti ingeyona ngokugcwele individualizes umboleki. Ngokwesibonelo, uma irisidi kushiwo "Mina, Sergeev Sergey, wathatha imali nenani ruble 80,000. ngu Andreeva Andreya ... ", inkantolo bangase babuze, ingabe ngempela ukuthi Sergeev Sergey, hhayi amanye. Mhlawumbe irisidi wabhala Sergeev Sergey Petrovich, umbolekisi kudinga imali Sergeyev Sergei Sergeyevich? Kulokhu, kungaba kuphela asize forensic wesandla luhlolo, okuyinto buchazwa ngokuthi idokhumenti. Nokho, noma yimuphi luhlolo kuthatha isikhathi futhi eside, ngakho-ke kulula unombono sendlela ukubhala irisidi ezinhle ngokukhipha ke ngokuvumelana nemithetho kunokuba kamuva ukonga isikhathi kanye nemali ngenxa amaphutha. Kufanele kuqashelwe ukuthi amaphutha enjalo zitholakala ngokuyinhloko ntu oxhumene ebuhlotsheni (nabangane abahle noma nengangibajwayele), noma kwezihlobo. Ngenxa yalokhu ukusondela ngokuvamile uyazicabangela umbolekisi idokhumenti ebhaliwe njengendlela Okusemthethweni.

Ibonisa idatha umbolekisi

kuvela izinkinga ukungabi of idokhumende ebhaliwe, idatha egcwele yomuntu obolekisayo. Ngakho, uma irisidi okulotshwe kule fomu: "Mina, Sergeev Sergey Sergeevich, wathola ezikweletini imali nenani ruble 80 000. Mina ukuth buya them Mashi 3, 2016 ". Lolu khetho akubonisi umbolekisi owanika imali, enikeza ithuba ababoleka abonakele utshele inkantolo ukuthi irisidi wanikezwa ngokuphelele komunye umuntu. Kungaba ukuletha phezu ukwahlulela kwesinye sezihlobo zakhe, naso sasho ukuthi ukuboleka Ivanov, kodwa kamuva zalahleka irisidi. Qaphela zonke ephelele idatha yokukhokha abahlanganyeli kuzosiza ukuzigwema, futhi uma umuntu ayemkweleta akazi ukuthi ukwenza IOU, isampula ke ingatholakala kalula ngokwanele.

Ukungabi ukudluliswa

Kukhona amacala lapho umbolekisi kuyinto ngempela aneliseke irisidi, elalihlotshiswe kanje: "Mina, Sergeev Sergey Sergeevich, wavumelana Andreevym Andreem Andreevichem ezihlala isikhathi eside kuthatha kimi imali nenani ruble 80 000." Engazi ukuthi wayezobathola kanjani ukubhala irisidi, umbolekisi ngisho ukucabanga akakwazi, ukuthi ngesikhathi kuqulwa icala lakhe okweletayo sithi imali oyitholile irisidi esikhishwe kuphela inhloso ukwenza into. Kodwa ngempela, e irisidi Eqinisweni elingaziwa we imali umboleki.

Kuzoba khona isidingo bathembele noma kunoma iyiphi ubufakazi obengeziwe noma ukuzitika senkantolo. Kodwa hhayi yokuthi nenkantolo uhlangothi yomuntu obolekisayo. Ngisho noma leyo mibono sasichaza isimo ngenxa yokuthi kwezinsolo zokuthi akazange azi kanjani ukuqamba irisidi, isampula leli phepha ukuze bangabhekani akawutholi, inkantolo ingakhipha cabanga abukho linesisekelo.

Nokungabi nanjongo

Kungase kube nemiphumela emibi umbolekisi kanye incwadi eyakhishwa kanje: "Mina, Sergeev Sergey Sergeevich etholakele Andreeva Andreya Andreevicha isizumbulu semali esibalelwa ruble 80 000." Njengoba singabona kusukela umbhalo, kubonisa ukuthi le mali, ngalokho Sergeyev isisekelo ngiwafaka. Ngemva kokuthethwa kwecala, angase asho ukuthi lesi samba Kwakushiwo kuye njengoba ukukhokhelwa ithengiswe ngaphambi le nto noma, ngokuvamile, wethulwa. Futhi umbolekisi ngeke bakwazi ukufakazela leli phepha ukuze bangabhekani esiyenzekile kuyinto loan, hhayi inkokhelo okuthile. Uma kuphakama umbuzo: "Indlela yokwenza irisidi" - ukunakekelwa okukhethekile kufanele ikhokhwe esiqondisweni injongo ukudluliselwa imali, ukuthi, ukuthi loan senziwa.

Amanye amaphutha ezivamile

Ukuze uthole ezinye amaphutha ababolekisi abangamazi indlela yokwenza imali irisidi ingase ihlanganise ezifana umdwebo ikhompyutha ezikhishwe, kulandele affixing nesignesha okweletayo. Endabeni ka ukwenqaba siqu isignesha lokugcina wesandla luhlolo kuzo zonke izimo bakwazi ukukhomba umnini wayo.

Abantu abanentshisekelo kule indlela yokwenza irisidi ziyadingeka, ngaphezu, ukuqaphela ukuthi irisidi - idokhumenti. Kuphakathi idokhumenti akuvunyelwe ukulungiswa, erasures. Ngakho uma e irisidi wenza usula ezinjalo, ewela aphume lemali futhi kubonisa okwehlukile, ezinye izinguquko zenziwa, kumele kuxoxiswane izinhlangothi. Eduze ukulungiswa ngamunye udinga ukubeka amasignisha zabo, futhi ngisho kangcono kabusha idokhumenti futhi.

Ngisho ezinye umehluko wemisindo nemiqondo yamagama indlela yokwenza i IOU. Lowo Mbhalo wangonyaka we kumele icacise khathi buyiselo imalimboleko, uma kunesidingo, ngenhloso asizakale (uma ayemkweleta ezibalulekile), inkokhelo noma loan khulula, okungukuthi, ukuthi okweletayo akhokhe inzalo for ukusetshenziswa imali.

imibandela eyengeziwe

Ngaphezu kwalokho, ungakwazi futhi zihlanganisa irisidi le nokukhokhwa kwesijeziso uma ukubambezeleka imali, okungase ezingaphezu kuka offset kwadla umbolekisi uma lo muntu obolekayo kungaba okungalungile.

Ngisho yomuntu obolekisayo efiselekayo ukufaka into izingxabano sombuso. Ngakho, umthetho civil sekuvela ukuthi le izimangalo nokuvulwa izimali kuthathwa yinkantolo endaweni yokuhlala ummangalelwa. Futhi uma ophendulayo waya kwelinye idolobha, indlela yokwenza irisidi? Isampula amaphuzu kungenziwa othathwe kunoma kuyiphi inkontilaki. essence yayo itholakala iqiniso ukuthi izinhlangano kumele usungule eKulu elinamandla elinikelwe wona ukukhetha sommangali (ababoleki ababoleke) noma iyiphi inkantolo ethile emzini othile.

Phawula mibandela kuyinto efiselekayo obolekisayo, kodwa ukungabikho yabo akuphazamisi ukuba semthethweni idokhumenti.

ukulungiselela Ofanele idokhumenti

Ngakho ukuba afingqe, futhi kokucubungula zonke abakweletwayo iphutha lalivamile, kusadingeka ukuba ichaze, bhala irisidi. namarisidi Sample, kukhonjisiwe ngezansi, kuzosiza abantu abaningi abaqondi lo mbuzo ababolekisi musa zilimale futhi lilahlekelwa yimali yalo.

"Disemba 1, 2015. Mina Sergeev Sergey Sergeevich, 01.01.1990, owazalwa ngo-Moscow, uchungechunge 1234 №123456 ekhishwe ipasipoti womnyango wamaphoyisa ka Tsentralny esifundeni eMoscow 05.05.2008, ehlala Arkhangelsk, ul. Gogol, d. 25, q. 25, wathola imalimboleko Andreev Andrei Andreyevich, 01.02.1991 lokuzalwa, uchungechunge 4321 №654321 ipasipoti ekhishwe Amaphoyisa saseNyakatho yase Arkhangelsk 17.09.2009, ehlala Arkhangelsk, ul. Gogol, d. 25, q. 26, imali nenani 80,000 (abayizinkulungwane ezingamashumi ayisishiyagalombili) ruble. Imali etholakele ngokubhala irisidi. Mina ukuth ubuyisele inkokhelo wathi phambi Juni 1, 2016. Isignesha, igama. "

isampula Kuthunyelwe isitatimende esicacile sendlela ukudala irisidi ukuthi kufanele waveza ukuze esiqinile. Uma inani mkhulu kakhulu noma umbolekisi nje ufuna ukufaka ezinye izimo ezengeziwe, irisidi kungenziwa kulekelelwa kubo, kodwa ungenza sivumelwano ezinhle loan. Kunoma ikuphi, iseluleko sezomthetho awukwazi ubuhlungu.