Nesivumelwano sokubolekwa imali

Credit izikhungo (isib amabhange) ahlinzeke
izimali umboleki, ngubani ubophekile ukuba ubuyisele imali, ikhumbula
isithakazelo zanqwabelana. Nesivumelwano sokubolekwa kuhlukile sivumelwano yayo loan
isisekelo reimbursable. Izimiso eyinhloko ukwabiwa kwezimali
yiyona ukubuyiswa kwemali, inkokhelo, futhi ukuvuthwa. Amaphathi Uyi isikhungo esikweletu umboleki. Inkontileka sihlinzekela izibopho zamazwe amabili, lo yemfanelo umbolekisi bangaphansi okuyinto ukunikeza izimali, futhi lo muntu obolekayo - e ukwamukela buyiselo imalimboleko kanye nenzalo.

Nesivumelwano sokubolekwa ezichazwe Article 820 Code Civil yeRussia. Umbhalo kufanele siphele ngefomethi ebhaliwe. ukwephulwa ingcaca mibandela nomphumela semthethweni idokhumenti. Ngokuvamile, amabhange ukusebenzisa lezo zinhlobo izivumelwano ukuthi awekho ngaphansi ukuguqulwa, ukwamukelwa nokuxoxisana. Umuntu wemvelo kungaba kuphela ukujoyina ifomu ekhona yesivumelwano. Futhi uhlobo idokhumenti isimo esiyinhloko isivumelwano phakathi kwamaqembu, ngaphandle okuyinto akunakwenzeka isivumelwano.

Isivumelwano ngesikweletu kuphothulwe, kanye nesivumelwano ku kuvulwa akhawunti loan, suretyship inkontileka futhi isibopho fixed eside. Kulokhu, lo muntu obolekayo liyadingeka akhokhe imali ukuze izinsizakalo akhawunti barnkovskogo. Esimweni lapho inkontileka kuhlanganisa imigomo mortgage kwempahla engagudluki, kumele notarized futhi bhalisiwe ngokuhambisana nomthetho ku yokubhaliswa amalungelo impahla engenakususwa.

Nesivumelwano sokubolekwa, ngokuvumelana Banking Act, sihlinzekela inkokhelo peremptory kwezinhloso zenzuzo ekunikezweni izimali. Izinkokhelo isithakazelo kuphela futhi ilawulwa inkontileka ingenye izimo zawo ezibalulekile. Iphuzu okubalulekile ukuthi inzalo ibalwa kusukela ngosuku kokuthola imali ku-akhawunti ye-obolekayo, hhayi kusukela ngosuku ukusayina inkontileka.

Okuqukethwe isivumelwano sesikweletu kuhlanganisa amalungiselelo loan ukubuyiswa kwemali uma kwenzeka buyiselo ngasekupheleni. IBhange inelungelo ukucela
avela phezulu isithakazelo yokukhokha kanye uyeke umboleki. Ithemu imalimboleko umboleki unawo igunya lokunqaba wesikweletu. Ukwenza lokhu kufanele zithunyelwe enhlanganweni credit aziswe. Kulokhu, lo muntu obolekayo ayidingekile ukunikeza base yasebhange sokwenqaba ukwamukela imali.

Ukupheliswa isivumelwano sesikweletu kungenzeka phezu ingxenye umboleki futhi isikhungo sesikweletu. Ngokuhambisana Article 813 Code Civil, ibhange kungadinga umboleki ngoba befuna imbuyiselo ekuseni imalimboleko uma yokulahlekelwa noma Ukuwohloka okuphephile isivumelwano sesikweletu. Ekunikezeni credit okubhekiswe, lapho isetshenziselwa ezingaziwa, inkontileka ingaphinda izoqedwa isikhungo credit.

Isisekelo isicelo yenhlawulo kungaba kwemigomo ukubuya uthishanhloko noma ingxenye yemali ebolekwayo. Kulokhu, ibhange inelungelo befuna ukubuya kuzo zonke oluvelele loan lemali seyihlangene naleminye isithakazelo ngenxa.

umthetho Russian ichaza ngokucacile ngesimo nesivumelwano sokubolekwa, okumele kwenziwe ngokubhala. isakhiwo sayo, Nokho, akunjalo ngokucacile lelipelwe. Nesivumelwano sokubolekwa ayohlanganisa izimo esiyisibopho loan, into yesivumelwano, amalungelo kanye nezibopho ze-amaqembu, amakheli abo angokomthetho, izisayindo imininingwane. Nokho, kwezinye izimo, lapho kwezezimali lesikhungo credit ukuze ihlanganise izithakazelo ikhasimende ezinkulu, izivumelwano loan angase kakhulu ebuyekeziwe.