Umthetho Federal "Ngo umthengi credit"

353 uMthetho Federal "Ngo umthengi credit" ulawula ubudlelwane mayelana Ukunikezela izimali izakhamuzi, hhayi ezihlobene nemisebenzi yebhizinisi. Izinhlinzeko isenzo normative angeke zisebenze ukuthengiselana lapho wokubhekelela abantu ngokomzimba ebekelwa mortgage. Cabanga elilandelayo zoMthetho Federal "Ngo umthengi credit (loan)," ngaphezulu.

Izici Jikelele yesivumelwano

Isivumelwano sihlanganisa imithetho jikelele futhi ngabanye. Kungenzeka izakhi samanje nezinye izinkontileka uma lungenayo akuphikisani isenzo normative enixoxa ngalo. By imigomo yesivumelwano okuhlinzeka umthengi credit, ngaphandle amalungiselelo bavumelana kweenqhema kuthengiselana ngokuhambisana neNgxenye. Isigaba 9. 5 uMthetho Federal №353, imithetho isicelo Art. 428 we Code Civil. hlinzeka Jikelele inhlangano esungulwe, le okuxhunyanwa kusho abantu zemvelo, unilaterally ukuze zisetshenziswe kamuva okuphindaphindiwe.

izakhamuzi ekwazisa

"Ngo umthengi credit" umthetho yisikhungo sezinhlangano eziphambili zezezimali zitholakala ezindaweni babanike ulwazi olufanele mayelana nohlelo olusebenzisayo:

1. Igama lenkampani, indawo yesigungu, umzimba unomphela, ulwazi lokuxhumana, ingosi engokomthetho ku-intanethi.
2. Inombolo yelayisense, ngokuhambisana okuyinto ukuqhuba imisebenzi yasebhange, ukwethulwa kolwazi ku irejista isimo noma ubulungu in self-inhlangano (kuye ngokuthi uhlobo ibhizinisi).
3. Izimfuneko umfakisicelo. Basuke efakwe umbolekisi noyisibopho.
4. Isikhathi isicelo futhi isinqumo phezu kwawo.
5. Uhlu amadokhumenti adingekayo ukuthola izimali, kuhlanganise nokuhlolwa solvency tesifundvo.
6. Izinhlobo sokubolekwayo.
7. Kuncike imali kanye isikhathi sokungena kwayo.
8. Lwemali lapho loans enikeziwe.
9. Izindlela izindlela, kuhlanganise nokusetshenziswa amathuluzi electronic lokukhokha.
10. Zenzalo. Lapho usebenzisa i-yamanani variable inikeza ulwazi mayelana ne-oda yokusungulwa yabo.
11. Izinhlobo futhi amanani nezinye izinkokhelo izakhamuzi ngaphansi inkontileka.
12. Inani ububanzi isilinganiso senzalo esisebenzayo, esungulwe ngokuhambisana nezidingo uMthetho Federal # 353.
13. izinkokhelo PERIODICITY lapho ubuyela izindlela, ukuxoshwa isithakazelo noma enye imali.
14. Yinkathi umfakisicelo angahoxisa loan.
15. Izindlela imali, ukukhokha inzuzo esikweletini, kuhlanganise inguqulo khulula buyiselo.
16. Esebenzisa ephumelelayo.
17. Umthwalo wemfanelo umboleki ngokusebenza okungafanele yesivumelwano, inani isigwebo, oda ukubala yayo. Liphinde lunikeze ulwazi mayelana izimo unswinyo singasetshenziswa ngaphansi kwazo.
18. Ukuze uthole ezinye izinkontileka, sezizophela, noma ezinye amasevisi anikezwa nsuku saziso ekuphetheni nesivumelwano sokubolekwa, ithuba komfakisicelo wamukele noma wenqabe isignesha yabo.
19. Ukwanda kungenzeka ezindlekweni umfakisicelo uma eqhathaniswa lemali okulindeleke in ruble, kuhlanganise esimweni ngesilinganiso onhlobonhlobo.

Ezindaweni lapho amasevisi kungenziwa enikeziwe kanye neminye imininingwane ukuthi kubalulekile abathengi. Imininingwane kwaziswa izakhamuzi mahhala. Uma kudingeka, abantu zemvelo angacela amakhophi amaphepha. Basuke enikeziwe mahhala noma ngemali ethile, futhi leyo mali ingeqi ukubaluleka umkhiqizo wabo.

izimo umuntu

Umthetho "Ngo umthengi credit" sihlinzekela ukuvumelana amalungiselelo ngqo phakathi isikhungo sezezimali kanye isicelo. Kwezimo ngabanye zihlanganisa:

1. nemali ethile anikezwa isakhamuzi, noma umkhawulo kwezimali kanye nenqubo Ukuvuselela yayo.
2. Isikhathi yesivumelwano futhi imali isikhathi.
3. Lwemali lapho ngaphansi kokunikezwa isikweletu.
4. Isilinganiso senzalo e% ngonyaka, futhi esimweni izinga variable - inqubo sokunquma, ngokuhambisana nemithethonqubo kubhekwe.
5. Ulwazi ukusungulwa exchange angaphandle izinga, uma uhlobo ukheshi, lapho ngaphansi kokunikezwa isikweletu uhlukile lapho ukudluliswa inhlangano yezimali lilingana wesithathu eshiwo umboleki.
6. Inani, ubuningi kanye nokuvama izinkokhelo ngaphansi isakhamuzi noma oda izincazelo zabo, kanye imithetho bayashintsha kwenzeka buyiselo zakuqala ezikweletini.
7. Kuzinjongo abantu zemvelo uzochitha imali, uma izimo efanele ebalulwe inkontileka.
8. inhlangano Lubhekele ekugcwalisekeni engafanele izibopho.
9. The kungenzeka kuvinjelwe lesi sabelo kwamalungelo (izimangalo) besithathu ngaphansi inkontileka.
10. imvume yomfakisicelo nemigomo jikelele nemibandela yesivumelwano.
11. Izindlela ze-exchange kolwazi phakathi kwezinhlangano.

Umthetho "Ngo umthengi credit" uvumela iinthombe imigomo umuntu nemibandela kanye nolunye ulwazi olufanele kubahlanganyeli kuthengiselana.

enqabelo

Umthetho 353-FZ "Ngo umthengi credit (loan)," ayikuvumeli tekufakwa kwinkontileka:

1. On the ukudluliswa isikhungo sezezimali lonke inani noma ingxenye yalo njengesibambiso ubhale izinkinga ezihilelekile.
2. Mayelana nodaba abantu engokwemvelo loan entsha ukusikhokha sonke isikweletu sale ekhona ngaphandle kokwenza inkontileka okuhambisanayo ngemuva kosuku lapho ivela khona.
3. Usungula isibopho esiphathelene ne isakhamuzi ukusebenzisa amasevisi izinhlangano zama-third party ngokuqondene ukusebenza ezibophweni zayo ngaphansi kwesivumelwano ngemali ethile.

izimo Ukushintsha

Umthetho "Ngo umthengi credit" ivumela ukulungiswa amalungiselelo ngabanye yalesi sivumelwano. Ngakho isakhiwo sezimali ukuhlinzeka indlela izakhamuzi edingekayo ukuhambisana nemithetho. Citizen usebenzisa izimali loan kumele abike izinguquko ulwazi labo lokuxhumana noma indlela yokuxhumana naye. 353-FZ yomthetho "Ngo umthengi credit" ivumela:

1. Ukwehla senzalo inhlangano yezimali unilaterally.
2. Ukuncishiswa noma ukwesulwa Imali yemisebenzi ezihlinzekwe imigomo umuntu yesivumelwano.
3. Ukwehla inhlawulo, isijeziso, izinhlawulo noma ehoxile (ngokugcwele noma ngokwengxenye).
4. Ukushintsha kwezimo jikelele inkontileka.

Lezi zenzo engenziwa, uma ngeke kuholele ukuvela entsha noma ukwandisa izibopho akhona umboleki. Kulokhu, lo isikhungo sezezimali kumele uthumele isakhamuzi isaziso futhi wamnika ukufinyelela ulwazi mayelana ne-ukulungiswa.

umehluko wemisindo nemiqondo yamagama

umthetho Federal "Ngo umthengi credit" inikeza ukuthi uma kwenzeka ukuthi izimo ngazinye i-akhawunti yasebhange egameni wanakekela ukuvulwa yonke imisebenzi kuso, ezihlobene ukugcwaliseka nezibopho, kubandakanya Ukukhishwa kanye nokudluliswa izimali, mahhala. Isikhundla on isidingo ukwenza izivumelwano ezengeziwe noma ukusebenzisa amasevisi zezimali wenkampani umklamo kanye ekukhishweni yesivumelwano esemqoka azifaka kuwo kuphela uma abantu zemvelo uzwakalise kwemvume yayo kule ngokubhala. 353 Umthetho "Ngo umthengi credit" akuhambisani ukuqoqwa izimali ukuze kwenziwe imisebenzi yenhlangano, eyasungulwa izenzo zokulawula, kanye nokuhlinzekwa kwemisebenzi ukuthi kwenziwe ngayo isithakazelo sabo, futhi ngenxa lapho inzuzo ahlukene yezomnotho ayidaliwe ngoba kwakungenzeka ukuba okweletayo.

I-oda buyiselo

Umthetho "Ngo umthengi credit (loan)," icacisa ukuthi uma kwenzeka ukwehluleka, lemali anikelwe okweletayo, isibopho ivaliwe ngendlela elandelayo:

1. isithakazelo ezingakhokhwanga.
2. Akhokhwayo kwinani oyinhloko.
3. Fine, isigwebo noma esihle. Inani layo kunqunywa imithetho yobuciko. 21 zoMthetho Federal №353.
4. Inzalo enqwabelene phezu esikhathini samanje.
5. Inani yesikweletu esikhulu njengoba ngaleso usuku lokukhokhela isitolimende olandelayo.
6. Okunye izimali ezibanjwayo ezibalulwe kulo imithethonqubo noma inkontileka.

isigwebo

RF uMthetho "Ngo umthengi credit" usungula umthetho owawuthi is ke kubalwa. Ngokuhambisana nezinhlinzeko ukubaluleka ukulawulwa isijeziso ayikwazi ukudlula 20% ngonyaka. Lo sayizi inikezwa, uma accrual isithakazelo wenziwa khona ngaphansi inkontileka ngenani avelele sikweletu kwesikhathi, okwakubekelwa iphazamiseke ngenxa. % Uma muntu ukuba enze isivumelwano, ukubaluleka isigwebo - 0.1% ukubambezeleka. Kulinganiselwa ntu for nsukuzonke of okuzenzakalelayo.

izindleko zesikweletu

Ngezinye ukubala yayo kuthatha zibe yizinkokhelo akhawunti:

1. Ukubuyisela imali yesikweletu ngaphansi inkontileka.
2. Akhokhe inzalo.
3. Esivuna isikhungo sezezimali, uma lolu hlobo of duty kuhlinzekelwe esivumelwaneni noma uma ukukhokhelwa senziwa sincike izinkokhelo ezinjalo.
4. Ukuze ukukhululwa kanye nokugcinwa alandelayo elekthroniki yokukhokha ekuklanyweni kanye ekukhishweni yesivumelwano.
5. Ukuze kuzuze izinhlangano zama-third party, uma kulandela kusukela sivumelwano, lapho laba bantu bachazwa noma uma loan senziwa sincike isiphelo sesimiso isivumelwano nabo.

yamanani

Umthetho "Ngo umthengi credit" inikeza ukuthi, uma inkontileka kunqunywa umuntu wesithathu kulesi sibalo izindleko ingqikithi usebenzisa amazinga okhethekile Kusetshenziswe ngale ndaba. Amanani angase acabangele izici of okweletayo. Uma umuntu ayemkweleta akuthathi kubo ku-akhawunti, umfakisicelo kufanele aziswe ngayo. Kwezinye izimo, izinkokhelo esivuna izinhlangano third-party lapho kubalwa inani akukwazi oyingqayizivele uzimisele phakathi naso sonke isikhathi yesivumelwano. Ezimweni ezinjalo, amanani lishone ngosuku ukubala. Uma inkontileka icacisa inani izinhlangano zama-third party, ingasetshenziswa amazinga phi of them. Lokhu kufanele ukhombise imininingwane yomuntu, ezisetshenziswa kulesi sibalo yamanani.

Isivumelwane

Umthetho "Ngo umthengi credit" ubeka eziningi izidingo esiphethweni yesivumelwano. Uma ukuhlinzekwa kwezimali izakhamuzi ahlinzekwa imali izimo ezengeziwe, kuhlanganise umshuwalense wezempilo / ukuphila, kumelwe kwenziwe ngaphandle isitatimende eliqukethe iphuzu lapho abantu zemvelo ukunikeza kwemvume yabo. Kulokhu, idokhumenti uthi izindleko. Ukucutshungulwa isicelo we yisakhamuzi mahhala. Uma dokhumenti ekhishiwe, yize kunjalo, isiqunto sokunikela imali ayikwazi okwenziwa kube ngaphandle khona abantu emzimbeni, lona wamuva enikeziwe isenzo lapho kukhona ulwazi mayelana nosuku wavuma luhlolo. Lwezezimali Inkampani unelungelo ukwala isicelo ngaphandle kokunikeza izizathu, uma kungekhona duty isethwe ukuqondisa isihloko impendulo wabonisana imithetho kahulumeni. Ngezinye ulwazi olufanayo isikhathi mayelana nesinqumo anikezwa i-credit bureau. Inkontileka ezocatshangelwa ngemvume uma amaqembu nivumelana eliphelele phezu kwazo zonke umuntu amalungiselelo ayo. Isivumelwano iqala ngamadijithi Ukunikezela izimali umfakisicelo.

ngaphezu kwalokho

Obolekayo ungakwazi wazise isikhungo Ikhredithi kwemvume ukuthola izimali ngaphansi nemibandela ebekwe inkontileka, zingakapheli izinsuku ezinhlanu esikhathini iyazazi nabo, ngaphandle isikhathi ezahlukene ayisethelwe isakhiwo zezimali. Yena, Awukwazi ukushintsha amalungiselelo yesivumelwano zingakapheli izinsuku 5 kusukela kokuthola isakhamuzi. Uma isakhiwo sezimali umboleki ithole inkontileka esayinwe ekupheleni esiyizinsuku ezinhlanu, it kuzoxoxwa waphetha.

isiphetho

Uma lo muntu obolekayo kwephula izibopho ukusetshenziswa ehlosiwe izimali elisungulwe inkontileka, umuntu ayemkweleta ungenqaba aqhubeke ikhasimende. Ubuye ilungelo owafuna buyiselo zakuqala. Amaphepha adingekayo ukuze isiphelo sesimiso inkontileka, kanye nesitatimende ukuhlinzekwa kwezimali kungenzeka esisayinwe kubahlanganyeli kuthengiselana usebenzisa isignesha Analogue indlela, okufakazela ukuthi kungokwalabo amaqembu, ngokuhambisana nemithethonqubo samanje, futhi wathumela ngokusebenzisa ilwazi kanye nokukhulumisana iziteshi.