Ukunikeza e obolekisayo

credit ibhizinisi Notorious sipho

Ngokusho h. 1 tbsp. 435 CC RF sipho sibhekiswe umuntu oyedwa noma olucacile ibhidi okungukuthi ngokwanele esiqondile kubonisa enenhloso yokukhukhula umuntu owenza isiphakamiso sangena inkontileka ne ekhelini, ozokwamukela sipho.

Le sipho kufanele ibe nayo yonke imigomo ebalulekile inkontileka.

It inikeza izixhumanisi ilungelo ubuso bakhe esikhathini irisidi yayo by ekhelini.

Ngokusho h. 1 tbsp. 438 we Code Civil uyakuqaphela ukwamukela izimpendulo umuntu ukuthi ukunikezwa sibhekiswe ku ekuthandweni kwayo. Ngakho h. 3 tbsp. 438 we Code Civil umuntu lithole sipho ngaphakathi kwesikhathi amiselwe ekuthandweni kwayo, isenzo ukuthi siqalise lezi zinhlelo izimo e yakhe inkontileka (amasevisi, isebenza futhi sokukhokha isamba okuhambisanayo, njll) ubhekwa ukwamukelwa, ngaphandle uma kuhlinzekwe umthetho, ezinye izenzo zomthetho, noma kukhonjisiwe sipho.

Ngakho, umthetho unikeza inqubo lula ngoba isiphelo sesimiso izivumelwano - by ukwamukela izipesheli.

Le nqubo futhi esebenzayo emkhakheni yasebhange amasevisi.

Njengoba umkhuba ubonisa, Amabhange ngokuvamile usebenzise leli fomu ekuphetheni izivumelwano loan. Futhi le fomu ezimweni eziningi lisetshenziswe elikhiphe futhi esiza ama-credit card.

Zikhona izinkinga izinkontileka ngokwamukelwa yamathenda eqhubeka abolekise? Yiziphi izimo ezidingekayo ukuze ilandelwe mayelana nokwamukelwa inkontileka waphetha?

Uyini Bank kwephula emalungelo eluntfu kanye civil? Kuyini ukungqubuzana kwezinhloso ilungelo labo ngale ndaba?

Ukuze ama-credit card ebhange ikhasimende (umboleki) ayilokothi neze ikuthathe isitatimende sasebhange ukuba imnike ikhadi ebhange. Leli fomu lesicelo, ifomu lesicelo (e amabhange ezahlukene, le dokhumenti unegama ezahlukene) zibhekwa ukunikela.

Ngempela, lesi sitatimende kungase kubhekwe njengokwelapha ukunikezwa.

Ngakho h. 1 tbsp. 435 CC RF sipho kufanele iqukathe yonke imigomo ebalulekile inkontileka. imigomo ebalulekile nesivumelwano sokubolekwa eziqukethwe Art. 30 zoMthetho Federal "Ngo Amabhange Banking Umsebenzi".

Uma sibheka le dokhumenti (nesitatimende umboleki), singabona ukuthi idokhumenti iqukethe, kanye nenani loan, kanti elithi loan futhi izinga inzalo emalini ebolekwe, kanye nesimo ubudlelwane, ngisho kufaka phakathi idatha kokubili umbolekisi kanye umboleki. Eziqukethwe sipho futhi umthwalo wemfanelo amaqembu uma kwenzeka okuzenzakalelayo.

Ngakho, kunesiqiniseko esingokomthetho futhi kungase kutholakale ukuthi iphrofayela isicelo noma omunye umbhalo eyayithelelwa umboleki ukunikeza udumo yasebhange kungase kubhekwe njengokwelapha ukunikezwa ngokuya amahora. 1 tbsp. 435 we Code Civil.

Yini eziqukethwe sipho umboleki iphula amalungelo akhe civil kanye womuntu? Kungani amabhange ukuyisebenzisa kuleli fomu ekuphetheni isivumelwano sesikweletu ngoba isevisi ye-credit card.

Ukuze kubhekwane kahle nalesi simo kuyadingeka ukubhekana futhi sihlaziye ukuqhutshelwa umboleki.

Cabanga sipho umboleki CJSC Bank "Russian Standard".

Le sipho wawuthi umboleki ibona isitatimende sakhe njengoba sipho bese ucela Bank ukuphetha nalo inkontileka okuxubile, izakhi zazo yilezi:

1. Vula yasebhange yakhe yamanje;

2. Khipha igama lakhe lasebhange;

3. Futhi hhayi kuyadida izimangalo credits-akhawunti evulekile yasebhange ngokulandelana Art. 850 we Code Civil.

Lokhu sikuthatha iziphakamiso kabanzi.

1. Opening yebhange akhawunti wamanje.

Ngokuhambisana Art. 845 we Code Civil ebhange akhawunti sivumelwano ebhange uyavuma ukwamukela futhi kwi-akhawunti ukuvulwa iklayenti (lomnikazi we-akhawunti), izimali athobele oda ukundlulisa iklayenti futhi Ukukhishwa amanani abafanele ekulandiseni nokuziphatha nezinye zokukhokhelwa ku-akhawunti.

Ngakho h. 2 tbsp. 846 ebhange Civil Code ubophekile ukuba isivumelwano ne-akhawunti amaklayenti asebhange, wenza isiphakamiso ukuvula i-akhawunti ebhange yamemezela i-kuvulwa akhawunti yalolu hlobo izimo ezihlangabezana nezidingo ezibekwe ngumthetho futhi osungulwe ngokuhambisana nemithetho yasebhange.

Ngakho, sivumele isishaya-mthetho usinikeza umbono wokuthi uma lo muntu obolekayo ithola ithuba Ibhange ukuphetha naye inkontileka ka-akhawunti yasebhange, bese Ibhange ubophekile ukuba isivumelwano ne-akhawunti amaklayenti asebhange, mphendulele isiphakamiso esinjalo. Ngakho, kusobala ukuthi kulesi simo umbuzo akuyona mayelana izimo jikelele ukuze asayine inkontilaka ngokwencazelo yaleli Izihloko 435, h. 3438 Code Civil, futhi umbuzo esiphethweni esiyisibopho inkontileka

ukuze okuphoqelekile ukuze asayine inkontilaka ngokuthumela sipho ulawula Art. 445 we Code Civil.

Ngokusho h. 1 tbsp. 445 we Code Civil, ezimweni lapho, ngokuhambisana Ikhodi noma eminye imithetho iqembu, elifuna sipho (inkontileka okusalungiswa), inkontileka isiphetho Civil, ngempela, leyo nhlangano uzanikela nezinye isaziso party ukwamukelwa noma ukwala ukwamukela noma ukwamukelwa ngayo ukunikezwa kwamanye nemibandela (olandelwayo yokungavumelani lenkontileka okusalungiswa) zingakapheli izinsuku ezingamashumi amathathu kusukela osukwini kokuthola lesi sipho.

Lena ngenye yama-amacala ekhethekile emthethweni. Ikesi ekhethekile Kulokhu kuphethwe umthetho (Art. 445 we Code Civil), ngakho-ke izimiso jikelele umthetho (Art. 3 of Art. 438 we Code Civil) iyosebenza maqondana njengoba ingangqubuzani nezindinganiso yangasese.

Ngakho, kuvela ukuthi ezinsukwini ezingama-30 kusukela ngosuku esithathwa ngalo Ibhange ubophekile ukuthumela ikhasimende isaziso ukwamukelwa ngokubhala, kukhombisa isibalo akhawunti yasebhange ye-iklayenti (esimweni lapho Bank wavuma ukuqhutshelwa iklayenti-umboleki).

Nokho, amabhange naphezu kwalolu umthetho civil akusho wazise ikhasimende mayelana inombolo ye-akhawunti, ku ukwamukelwa kwabo, futhi ukwamukelwa siyothathwa njengobufakazi ukwenza lezo zenzo, okuyinto kucacisiwe kule sipho, okungukuthi isenzo sokuvula i-akhawunti yasebhange. Ngaphezu kwalokho, amakhadi ngokwabo ukuza amakhasimende eposini nje incwadi futhi ngemva kwezinyanga 3-6, okungenani.

2. Ukuze akhulule igama ikhadi lasebhange umboleki sika.

Le nto jikelele - okuthile okuhle kakhulu usengozini ngenxa yezizathu ezilandelayo.

Ebhekisela futhi - namanje ukuba JSC Bank "Russian Standard". It has Imigomo Bank kanye nezinsizakalo lasebhange. Lapha, ngokubona okubonakala ngeso lenyama uyabona ukuthi ngisho isihloko idokhumenti, kanye nesidingo sokukhuluma ngayo bese unikeza umboleki, yigama ikhadi ebhange.

Futhi hlobo luni leli khadi? Phela, ama-credit cards zitholakala ngezinhlobonhlobo eziningana - Receivables, credit, kwabasebenzi, Isaphulelo, njll Ngaphezu kwalokho, ukulandela okuqukethwe sipho e CJSC Bank "Russian Standard" Bank of umboleki ucela ukuphetha nalo isivumelwano okuxubile kumephu. Treaty kumephu - kungekho incazelo onjani leli khadi. Kakade iSivumelwano isihloko, isihloko Jikelele Imibandela ikhadi lasebhange kungukuphula umthetho, ngoba okuqukethwe imibhalo akunakwenzeka ukuthola ubunjalo ubudlelwano obusemthethweni ne Bank.

Le sipho wawuthi Obolekayo ngokuphelele Vumelana ukufunda uyavuma ukuthi uhambisane nemigomo yesevisi nemibandela, plan Imali ekhokhelwa. Nokho, ngokuphambene okushiwo idatha slovochetaniya h. 1 tbsp. 435 we Code Civil, kusukela sipho kufanele iqukathe imigomo ebalulekile yesivumelwano, kunokuba imigomo ebalulekile yesivumelwano kufanele unamathele sipho. Ngaphezu kwalokho, e-sipho ayicacisiwe - lokho ncamashi Imigomo amakhadi asebhange ufundile umboleki, ngalokho usuku, lokho seliyasetshenziswa futhi isikhathi sokusebenza yalezi Nemibandela. Ukuhlaziywa kwe-umkhuba ubonisa ukuthi lapho Bank istrebuesh le mibhalo (-General Izimo, Imali ekhokhelwa plan) is, ezimweni eziningi, ukuthi lezi izimo jikelele, uhlelo tariff akufanele isignesha ikhasimende.

Ukuhlaziya isimo samanje, nawu umbuzo enkantolo - kodwa kwezinye izimo futhi plan tariff yabikelwa umboleki? Le sipho alisho, ku zona kanye izimo umboleki akuyona isignesha. Kodwa izinkantolo ngenxa yokwesaba yokukhansela Cishe izinqumo ezinkantolo ephakeme indiva lesi imfuneko yomthetho, futhi unike ikhasimende sipho (umboleki) ikhombe kwetsembeka.

Nokho, njengoba kungabonwa kusukela ngenhla, akekho Jikelele Izimo noma imali plan ayisayindiwe yiklayenti, le mibhalo akazange athwale nosuku lokwamukelwa yabo, bamiswa bamukela. Futhi ngokuvumelana nemithetho oyisazi leli phepha ukuze bangabhekani ayikwazi kubhekwe ubufakazi, ngoba ayiqukethe izidingo eziyisisekelo ebekwa mthetho ngoba ubufakazi obunjalo.

3. lent ukuvula i-akhawunti yasebhange ukuze of Art. 851 we Code Civil

Ngokuhambisana Art. 850 we Code Civil ezimweni lapho, ngokuhambisana inkontileka ka-akhawunti yasebhange, ibhange lenza izinkokhelo ku-akhawunti, naphezu ukuswela imali (i-akhawunti credit), ibhange kubhekwa ukuhlinzeka ikhasimende nge-credit ukuze kuyasifanelekela kusukela ngosuku lokukhokha ezinjalo.

Nakhu impendulo yonke le mibuzo. Ukukhipha amakhadi esikweletu ephetha iSivumelwano umboleki phezu Card, iBhange isebenzisa isimo ezahlukene ngokuphelele kuka isimo nesivumelwano sokubolekwa.

Eqinisweni, nesivumelwano sokubolekwa akukho. Kukhona isivumelwano se-akhawunti yasebhange futhi evuma akhawunti.

I nqunu iso kubonakala ngokushesha ukuthi isici esiyinhloko sale okuxubile ku inkontileka Ikhadi inkontileka ka-akhawunti yasebhange.

Ngakho, ngaphansi kwencazelo yoMthetho umthetho azwakala kuyacaca ukuthi lo muntu obolekayo akunandaba, iBhangengodla lathola ukunikezwa ukwamukelwa senziwa, okungukuthi, izenzo licaciswe ku sipho. Umboleki akunandaba uma i-akhawunti ivulekile, lapho adluliselwe imali ku-akhawunti yakhe. umboleki Main isaziso esibhaliwe ngokuhambisana neSigaba 445 Code Civil.

Nokho, Bank akusho isaziso. Khona-ke, kufanele kwenziwe?

Ngeshwa, kule ndaba kukhona eziningi ingxoxo, kukhona timvo letehlukene. Umthetho ayinikeli umthwalo yokuthi iBhange, uhlulekile ukuhlangabezana nomnqamulajuqu ukuze uthole isaziso esibhaliwe umboleki we inombolo ye-akhawunti. okungukuthi Amabhange, ngaphandle akwazisa iklayenti e umnqamulajuqu zomthetho ngenxa, ngeke babhekane, futhi izinkantolo ume ohlangothini lamabhange, kodwa njengoba kungabonakala ukuhlaziywa kwale mithetho - isivumelwano esinjalo ayihambisani oda sesiphelo sesimiso izinkontileka ayikwazi neyaziwayo eyisiboshwa ngokubhala.

Lokhu kufakazelwa kuphela incwadi ulwazi RF kusuka 05.05.1997, № 14 "Ukubuyekezwa kwe ekuxazululweni kwezingxabano ezihlobene esiphethweni, ukuguqulwa kanye nokususwa izinkontileka." Ngokwale ncwadi ulwazi, Federal Antimonopoly Service Russian Federation wathi, uma isaziso ukwamukelwa (inombolo ye-akhawunti nangathi) awuzange ezitholakale ngesikhathi - umphumela we sipho null futhi isivumelwano ize, ezifana akubhekwa sezizophela.

Lokhu umbono kusho imithetho komthetho we-civil kanye namasiko ibhizinisi.

Nokho newsletter SAC ngeke kukhonjwe ukuze umthetho akuyona umthetho, futhi umthetho, okungukuthi, umthetho - hhayi lokulawula lolu daba.

Lona ingxabano eyinhloko umthetho kule ndaba.

Nokho, asebenzelana ngayo umbuzo yini nesivumelwano sokubolekwa, kodwa kukhona imali ebhange.

Amabhange ophethe isikhundla esilandelayo ezinkantolo. Bathi ikhadi weza imeyili kuwe, futhi wena biza yasebhange, isebenze-ke, athatha imali, imali esetshenzisiwe. Kanjani ukunikeza imali, ngakho uma kukhona - kwezimo oqanjiwe. Amabhange ukuthatha isikhundla ukuthi ukwenza kusebenze ikhadi, ngisho nangemva kokuba ukusebenza ikhadi, kodwa ngaphambi ukhipha imali ATM - abanandaba icala.

Nokho, lokhu isikhalo Amabhange kuphambene izihloko Code Civil.

Ake sihlole kabanzi.

Njengoba sekushiwo, ngokuvumelana inkontileka ka-akhawunti yasebhange, ibhange uyavuma ukwamukela futhi credit akhawunti ukuvulwa iklayenti (lomnikazi we-akhawunti), izimali athobele oda ukundlulisa iklayenti futhi Ukukhishwa amanani abafanele ekulandiseni nokuziphatha nezinye zokukhokhelwa ku-akhawunti.

Ngakho, lapho ibhange idlulisela izimali zawo ukukhokhela ikhadi iklayenti (i-akhawunti yakhe yasebhange), kunenkolelo yokuthi izimali enikeziwe. Futhi ngaphansi ezifana izimo kusebenze ikhadi - iba lutho nhlobo. Ibhange ngavuma iklayenti, wayivula i-akhawunti yasebhange ngekhadi iboshelwe Ukuvula i-akhawunti yasebhange ye-credit card, i-EFT eya ikhadi ebhange (isib akhawunti yasebhange) imali (ie elisizayo ebhange). . Ngokusho ukunikezwa, Article 438 Ingxenye 3-Code Civil, uthunyelwe khona Bank - iSivumelwano kumephu isivele ngemvume, futhi ngaleyo ndlela ukuthi asebenza kakade yonke amaphuzu ayo (interest rate, inhlawulo, isijeziso). Kungani ezimweni ezinjalo badinga ukusebenza card, lokho kunikeza? Ukuze le mibuzo azikho izimpendulo okwamanje.

Nokho, kwenzekani ngokulandelayo, ngemva zonke izenzo ukuthi Bank kwadingeka, ngokusho sipho umboleki sika. Bese ikhadi lasebhange ifika imeyili ngencwadi abavamile.

Kwenzekani?

Ngokusho umthetho Russian zamanje ke izitshela ukuthi zonke izakhamuzi ukwazi umthetho. Njengobe abengakwati konkhe loko umthetho asikho isizathu esamukelekayo. Ngakho, ake sithi wonke umuntu uyazi umthetho. Khona-ke, ngokunengqondo, okulandelayo kwenzeka. Obolekayo uthola ikhadi yasebhange bukletik - indlela ukusebenzisa leli khadi (yokusetshenziswa). Ikhadi alisho ukuthi credit. Ngo bukletik kukhonjisiwe nganoma ikuphi ukusetshenziswa kwe-ATM, i-eyakhishwa esingakanani, yini okufanele uyenze uma ATM "waphulukisa" ikhadi, ukuthi ungathola kanjani i-PIN - ikhodi, njll Amagama mayelana nekhadi nhlobo.

Ngakho, lo muntu obolekayo uyazi ukuthi wenza isiphakamiso isiphelo sesimiso ibalazwe, kodwa kufanele kubhalelwe kwaziswe inombolo ye-akhawunti akasamukelanga. Ngakho, lo muntu obolekayo okunengqondo ukholelwa ukuthi sipho Ubuyise inkontileka kuphothulwe. Futhi leli khadi eposini umboleki abazalwa Ngokuqondene njengoba sipho wamabhange kuwo kube isiphelo sesimiso intshisekelo-free nesivumelwano sokubolekwa imali.

Kungani? Ngoba sipho kufanele ibe nayo yonke imigomo ebalulekile inkontileka. Ngo bukletik - yesondlo imiyalelo - noma mayelana inani lenzalo noma impilo sokubolekwa kwemali noma inkokhelo yanyanga zonke alisho igama. Ngakho - ngisho ukuboleka imali ngaphandle kwenzalo.

Ngaphezu kwalokho, ikhadi lasebhange weza mail ngemuva kwezinyanga 3-6 yokukhokha nge umboleki ukuthatha loan umthengi (Izinsiza kusebenza loan). Futhi lo muntu obolekayo wathola ikhadi ku-imeyili, kusukela ukuthi ngenxa kanembeza uyazigcwalisa izibopho obuka ikhadi njengoba ikhadi kwamakhasimende okuthembekile. Ezimweni ezinjalo, futhi bacabanga loan ngaphandle kwenzalo.

Nalapha - futhi, ngokumemeza Bank, futhi isebenze leli khadi (ie uzibophezele ukwamukelwa). Ngakho-ke, lo muntu obolekayo kufanele abuyisele oyinhloko inkontileka kuyothathwa ngokuthi eseyifezile.

Ngakho, lo sipho kokuqala umboleki akanawo yini ukuthumela ngeposi ikhadi ebhange.

Lona ukuphathwa yokudukisa njengoba sezindawo futhi ikhwalithi yamasevisi yebhange.

Sengiphetha ngifuna ukusho.

It kuyafaneleka ukucabangela futhi ukuthi ngesikhathi samanje isikhathi bebhange behlala ndawonye bengashadile akusashiwo ngeposi ikhadi. Uma amakhadi afana ngeke kwephule amalungelo abathengi - babé bebhange ukuyeka inzuzo enhle emsebenzini wakhe na? Impendulo yale mibuzo, ngiyacabanga, wena lamukele ngokwakho.