Ukunikezelwa (assignment) e obolekisayo

Isabelo isimangalo yiBhange ngaphansi kwesivumelwano sokuthenga kumuntu wesithathu ongenayo ilayisensi yasebhange - umthetho ukuthi izenzo ezinjalo eBhange?

Ngamanye amazwi, uma lo muntu obolekayo wenza kahle izibopho ngaphansi iSivumelwano - ukuthi ibhange kwesokudla "ukuba bathengisa isikweletu" iqoqo ejensi.

Kule ndaba, kwakunabamemezeli amaphuzu amaningana umbono besayensi yanamuhla. Kuyinto umthetho ngokubikezela izinto ezididayo nezingathembekile icala ngalolu daba.

Konke lokhu utshelwa umbhali ukubhala lesi sihloko.

Ake sihlole kule ndaba ngesisekelo umtsetfo lokhona.

Kanjalo. Ngokusho Art. 382 we Code Civil ilungelo (isimangalo), okuqondene nomuntu ayemkweleta ngesisekelo ukuzibophezela kungase komunye umuntu okwenzayo (ukunikezelwa), noma uye komunye umuntu ngesisekelo umthetho.

Ukuze ushintshele komunye umuntu, amalungelo ayemkweleta sika angadingi kwemvume okweletayo, ngaphandle uma kuhlinzekwe umthetho noma inkontileka.

Ngakho, ngaphandle uma umthetho noma inkontileka engabondli abakubo ezimweni ezikhethekile Vesting izidingo isibopho komunye umbolekisi kwenye - kwemvume okweletayo akudingeki.

Ngokusho Art. 388 we Civil Code isabelo yesimangalo nomuntu ayemkweleta komunye umuntu ovunyelwe uma akusiyo kuphambene nomthetho, nezinye izenzo zomthetho noma inkontileka.

Futhi ingxenye yaleli Isihloko sesibili ukhuluma nokugwema ngaphandle kwemvume okweletayo isibopho esiphathelene izidingo isabelo, lapho ubunikazi ayemkweleta kubalulekile ngoba kwakungenzeka ukuba okweletayo.

Ngakho, umthetho elikushoyo kunjalo ngokukhethekile lapho umkweleti liyadingeka kwemvume esabelweni amalungelo isimangalo - lena ukubaluleka okukhulu yomuntu obolekisayo we nakwabangenangqondo.

Endaweni wesikweletu kubalulekile ukuze ibhange okweletayo sika okubekwe ngayo ngokucacile yizici elandelayo.

1. A ilayisensi yokuqhuba imisebenzi yasebhange.

Cabangela le nkinga kumele ngabe kubhekwa konke, ngakho njengoba yasebhange - akuyona umsebenzi kuphela ngesikhathi kuvulwa akhawunti asebhange kanye loans kokukhipha. Kusengenzeka futhi imiphumela ukusebenza engafanele nezibopho ngaphansi inkontileka, liphinde Isijeziso izivumelwano nokwethuka.

umsebenzi Banking kungokwalabo esigabeni yebhizinisi. Futhi lo mseshi kuyinto ngentando yakho. okungukuthi zonke izingozi ezihlobene yokungakhokhi imalimboleko, amanga ohlangothini umbolekisi - Bank. Ngakho, umqondo imisebenzi yasebhange futhi zihlanganisa izinkinga yokuqoqa izikweletu izinkontileka.

Ngaphezu kwalokho, ukuba khona ilayisensi sinika ukuhambisana nezimfuneko ezithile amalayisense. Non-ukuhambisana nalezi zimfuneko kufanele kufake hlangana ukumiswa kwelayisensi kuze lokuhoxisa. idatha ukuhambisana Ilayisensi ilawulwa isimo, ngegunya layo umphakathi - Central Bank of the Russian Federation.

Ngakho, kusobala ukuthi lo muntu obolekayo lapho kuxhunywana Bank ulindele ukulawula isimo phezu imisebenzi wamabhange. Futhi umsebenzi egcwele ibhange, kuhlanganise i-nokuvulwa isikweletu imisebenzi.

Ngo-ejensi iqoqo akanayo ilayisensi yokuqhuba imisebenzi yasebhange, kuhlanganise nokuqoqwa kwezikweletu.

2. Ukuhambisana yasebhange ekusithekeni ngokufana Art. 26 zoMthetho Federal "Ngo Amabhange Banking Umsebenzi.

Ngakho ngokuhambisana Art. 26 zoMthetho Federal "Ngo amabhange nomsebenzi yasebhange" yasebhange iyadingeka ukuze silondoloze yasebhange ekusithekeni. Umqondo yasebhange ekusithekeni kuhlanganisa ulwazi ngesimo akhawunti zamanje wavula nge ebhange, ukuba khona noma ukungabi yama-akhawunti ekhokhwayo , nokunye.

Kuba sobala ukuthi iBhange angenalungelo lokukwazi ukudalula yasebhange ekusithekeni besithathu.

Ngaphezu kwalokho, ukubolekisa eziningi ahambisana kuvulwa akhawunti asebhange (isib wesikweletu).

Lokhu isici kuthinta kukhethwa umboleki - ukusebenzisa sokubolekwayo kusuka amabhange noma uthathe imalimboleko inhlangano okungahambisani unelayisensi yasebhange. Phela, uma lo muntu obolekayo kusebenza Bank isicelo ukuba imnike loan, umboleki kufanele ulindele ukuthi uma kwenzeka ziwohloke okungenzeka esimweni salo kwezimali, iBhange ngeke ukusabalalisa ulwazi oluphathelene ebhange ekusithekeni. Ngenxa yalesi sizathu, ababoleka abaningi ngokukhetha yibhange imali, kanye ukubolekwa imali engekho esimweni inhlangano yangasese.

3. Ngokweyoku-umtsetfo lokhona we Russian Federation - ikhodi NACE ukuze siphinde sithole sekwephuzile izikweletu yasebhange - engekho.

Ngenxa yalokho, imisebenzi iqoqo ejensi okwamanje ezingekho emthethweni. Abaqoqi abavunyelwe bahlanganyele ukuqoqwa izikweletu sekwephuzile. Ngaphezu kwalokho, lo muntu obolekayo uthatha imali ebhange, kunokuba "Umalume emgwaqweni", okufakazela ukuthi isho ukuthini Bank umboleki.

Ngakho, ukuhlaziywa umtsetfo lokhona kuyacaca ukuthi iBhange kungenzeka, ngaphandle kwemvume umboleki ukuze uthumele ilungelo labo owafuna ukukhokha lemali loan ne isithakazelo ngenxa ngaphansi nesivumelwano sokubolekwa yangaphandle akanayo ilayisensi yasebhange.

Nokho, umkhuba, bebhange bathi uma sisebenzisa loan - umboleki akuniké yayo imvume ukusebenza kwedatha yomuntu siqu, kanjalo waqinisekisa kwemvume yayo isabelo izimangalo kunoma iyiphi inkampani yangaphandle.

Nge kuphikisa futhi abavumelani ngalezi zizathu ezilandelayo.

Okokuqala, ukucutshungulwa idatha yomuntu siqu ngokuhambisana zoMthetho Federal "Ngo Personal Data" ibandakanya imininingwane ezahlukene kakhulu kunalawo adluliselwe ngaphansi inkontileka lwesabelo izicelo (ukunikezelwa). Isakhiwo idatha yomuntu siqu sibandakanye nale mininingwane elandelayo: isibongo, igama patronymic, ukubhaliswa kanye nekheli lokuhlala. Indawo yomsebenzi, izinombolo zocingo - ie, umniningwano lophatselene umboleki. Lapho isabelo izimfuneko amalungelo adluliswa (kusetshenzwe) ngempela nolunye ulwazi oluhlobene ukukhishwa ngu umboleki izibopho zayo ngaphansi iSivumelwano.

Ngaphezu kwalokho, uma sisebenzisa ukuba abe ngumuntu onganikezwa loan umboleki ivuma ukucutshungulwa idatha yabo siqu kuphela yokuxazulula le nkinga - lokunikeza imali-mboleko noma loan ukuwenqaba.

Mayelana nokubulawa izisebenzi nesivumelwano sokubolekwa Bank ungakhulumi futhi musa ukuchazela umboleki. Ngenxa yalokho, ngokuhambisana Art. 10 RF uMthetho "Ngo Ukuvikelwa Consumer Rights" lezi zenzo kungenziwa wafaneleka njengommemezeli edukisayo mayelana izakhiwo amasevisi anikezwa.

Ngaphezu kwalokho, imvume umboleki Kumelwe luboniswe uzimisele. Okukhathazayo ukuthi ibinzana esivumelwaneni "kunoma iyiphi inkampani yangaphandle" awusekelwe umthetho. kwemvume umboleki sika Kumelwe luboniswe babukana, ukuthi lo muntu obolekayo uyavuma ukuze uthumele amalungelo ayemkweleta (iBhange) ephathini ethize yesithathu esibonisa ikheli yayo yokubhalisa, ukwenziwa kwangempela imisebenzi, TIN, BIN.

Izivumelwano boleko lokhu ngeke uthole, ngakho-ke, kule ngxenye kukhona kwemithetho esebenzayo.

Ngakho, singaphetha ngokuthi.

1. imisebenzi The Bank, okuyinto angaphansi amalayisense - hhayi kuphela ukusebenza loan, kodwa futhi ukusebenza nokuvulwa lemali eyayizikweleta ababoleka.

2. Ukunikelwa Bank of amalungelo ngaphansi kwesivumelwano sokweboleka imali ngaphandle kwemvume umboleki kuwukwephula umthetho.

3. kwemvume umboleki kumele ngokucacile, okusho imvume yayo kumele Icaciswe ngulomuntfu wesitsatfu abangababo Bank idlulisela yayo izidingo namalungelo.