Abaqoqi: zisemthethweni noma cha? Kanjani ukukhuluma abaqoqi

Namuhla, kunamabandla lenqwaba iqoqo ejensi. Empeleni, lezi akuzona sehlangano yomphakathi, kodwa ukusebenzisa zonke izindlela kuvunyelwa umthetho wombuso. Yingakho sengqondo abantu ukuba abathelisi zihluke kakhulu. Abantu abaningi bayazibuza: abaqoqi - ngokomthetho noma cha babesebenza, ukuthi banjani izenzo osekuyisikhathi ngokumelene abakweletayo.

Ingabe ngidinga abathelisi?

Isidingo ukuqonda amadamu, zonke ngoba amabhange eziningi kanye nezinkampani kusukela ngo-2008, iye efunde lenqwaba defaulters ubhekene nenkinga yezimali. Ngaphezu kwalokho, abaningi kuhlanganise nenzalo loan, nakho bahlale nevozvraschonnymi.

amadamu Yiba letihlomulisa uhlanganyele amabhange izikweletu vzyskivanii. Phela, lezi ejensi uthole ingxenye yabo imali eyasungulwa Treaty. Ngaphezu kwalokho, ukwakha umfelandawonye okuqinile futhi kungase kutholakale yibhange pretty okuningi kuqinisa isikhundla yimuphi agency iqoqo. Nakuba zikhona umehluko wemisindo nemiqondo yamagama, ezifana izikweletu ubudala. izenzo zomthetho wabantu abaqoqa musa njalo ngaphakathi umthetho maqondana loan ubudala - cishe akunakwenzeka ukuqoqa izikweletu kubo.

Namuhla, amabhange eziningi ezinkulu abasebenza kanye iqoqo ejensi. Yiqiniso, isimo kubeka ku umbuzo semthethweni izenzo ezinjalo, kanye kakhulu indlela nokuqoqwa kwezikweletu ngosizo zinhlaka.

Good ukwazi

Izinhlangano ukusebenza delinquencies emalini ebolekwe bangase babe nezinkolelo ezihlukahlukene lwamagama. Lokhu kungaba "Credit Security Bureau" noma "loan usizo", kodwa inkonzo yabo ngokungenaphutha izikweletu vzyskivanii ne abakweletwayo ngalesi simo.

Imisebenzi abaqoqi

Eminyakeni yamuva, abaqoqi babike zonke ukuthi isinyathelo kuphela ngezizathu zomthetho. Futhi Rospotrebnadzor ngokushesha bananela lolu ngesimo ulwazi cindezela. Iphuzu liwukuthi, e Russian umthetho ibhizinisi ezifana nokuqoqwa kwezikweletu, ayikho nje. Ngakho-ke, umbuzo ukuthi abathelisi umthetho eRussia, kuyafaneleka futhi impendulo ngokuvamile omubi. Kungani-ke, kufanele ziyekwe bafeze imisebenzi yabo, ukusebenza ngokuvumelana izikimu ezithile, futhi isimo kuyivumela.

Ngokombono Rospotrebnadzor

Ukumbandakanywa ongoti vzyskivaniyu izikweletu lenkampani othintekayo - Sekuyisikhathi eside umkhuba ovamile emhlabeni wonke. Futhi leli phuzu abathelisi ngokwabo, futhi labo phila them control. Nokho, Rospotrebnazor ukholelwa ukuthi abantu nje abayisebenzisa njengesiqondiso Givens kanye basamukela.

Labo abalwisana nokuthambekela abaqoqi bakholelwa ukuthi ngobuhlakani abasetshenziswa imiqondo komthetho we-civil kanye ngakuya ngomthetho. Futhi abaqoqi balinde a ukwamukelwa okusheshayo yomthetho kwemisebenzi yabo yobuKristu. Nakuba, kuvela, ukungabi khona izandla zabo, ngoba zizosuswa kusuka zibhekane nemiphumela yezenzo zazo. Lapho kungekho mthetho oqondile, kunzima ukuqonda indlela ejensi usebenza, ukunamathela emthethweni, futhi yini - aluyona ngokuhambisana Civil Code, futhi ngokuvamile kuphula amalungelo wobuntu.

"Ubumpunga" ejensi

Abaqoqi isebenze ngokomthetho noma cha - ayikwazi waqonda uma kungekho nohlaka oluthile. Nokho, uma wencike umkhuba, ungathola incazelo ejensi "grey" ezisebenza akuyona kulingane ngokuphelele. Ngokwesibonelo, ukubika sengathi usizo lwabo ngokomqondo futhi ukusekela ukusiza akhokhe izikweleti. Eqhubekela phambili okulandelayo: izikweletu ziqoqwa esebenzisa izinsongo nezithembiso amacala. Futhi kuwumsebenzi kungenzeka baphikisana enkantolo. Futhi athembisa ukuchaza impahla, shayela i izihlobo, osebenza nabo. It uphendulela ngocingo ubuphekula, okuyinto eqeda abantu ngokuziphatha zinjalo zokugcina ukukhokha izikweletu.

Ezicashile umsebenzi wokubutha

Isikhathi esining impela, ngokuyisisekelo inkontileka, ngesisekelo lapho abaqoqi wafaka phambili izimfuno zabo, akashongo lutho. It kuvela, okweletayo alichazi ukuthi abathelisi ku izithakazelo yasebhange abangenakwenza inkontileka. Nakuba umthetho hhayi besithathu elingaqeda isibopho ngokuphelele, ikakhulukazi impikiswano nebhange. It kuvela, okweletayo bangase bangakunaki noma yiziphi izenzo yokuqoqa ejensi maqondana nalo.

abanamacala umbono ingathathwa zibe akhawunti

Bank unika abaqoqi ilungelo ufune izikweletu nge iklayenti. Ngaphezu kwalokho, kukhona ushintsho mayelana abantu ungaphansi kwesibopho. Ngokomthetho, ukuba bavume izimfuno zazo komunye umuntu ovunyelwe uma akusiyo ngokuphambene nomthetho, ngamanye amagama - inkontileka. Ngaphezu kwalokho, lesi sabelo akufanele bathathe indawo ngaphandle kwemvume okweletayo. Phela, kubalulekile ukuthi umuntu olanda emsebenzini wakhe. Lapha into ebalulekile kuye ukwenza kanjani ukukhuluma abaqoqi futhi uphendule sokufika kwabo. It kuvela ukuthi umbono okweletayo basindiswa, futhi lokhu kungaholela nemiphumela ethile, ezifana ukubambisana ne balamuli.

zikhathi eziyingozi

Kumele kukhunjulwe ukuthi izenzo iqoqo ejensi angawa ngaphansi kwesihloko esithi impango nokuhuheka. Phela, nabo basuke awekho ngaphansi yasebhange. Ngakho-ke, abakwazi esikhundleni Bank njengoba umbolekisi entsha. amalungelo abaqoqi kulinganiselwe kakhulu lo muzwa. Phela, ngokomthetho, ilungelo labantu abakweletayo ungaya komunye kuphela izimo kokuqala futhi imiqulu efanayo eyayikhona ngesikhathi Vesting.

It kuvela ukuthi iklayenti kufanele zithole ebhange idokhumenti izikweletu zakhe iqoqo ejensi wamnikela. Eqinisweni, leli phepha ukuze bangabhekani olukhonjiswa njengedifolthi elingenakuphikwa futhi mathupha egameni lakhe siqu. It kuvela, amalungelo okweletayo entelwe kuleli cala.

ebhange ekusithekeni

kuphakama nesimo ezithakazelisayo yasebhange ekusithekeni. Phela, ngokuvumelana nomthetho umbolekisi ukunikezela ngamalungelo ayo komunye umuntu, kufanele unikeze lonke ulwazi iklayenti ukusebenzisa izidingo. Ngesikhathi esifanayo, ibhange iqinisekisa amakhasimende ayo ukuze balondoloze ekusithekeni imali yabo, ukuthengiselana kanye yiziphi izincwadi etholakalayo. Khona-ke ukwabela abaqoqi esifanele izibopho phakathi kwebhange umboleki akukwazi - kuphambene nomthetho. Kulokhu wephule isigatshana ku yasebhange ekusithekeni. Ingabe abaqoqi kukhona esisemthethweni kulokhu, kungakhathaliseki ukuthi izenzo zabo kuyafaneleka? Ngaphezu kwalokho, ushintsho olusemthethweni akuvumeli unecala lokugcina akuphikise ukusho abaqoqi, abangekho abadlali ýkhasýmende amasevisi. Kodwa izimangalo ayatholakala ngokuyinhloko ebhange, uzohlala.

ukuphendula nge

Lokuqoqa Umphakathi kuthiwe izenzo zabo abasakwazi esisemthethweni eRussia. Rospotrebnadzor, ngokuphambene, ukholelwa ukuthi umsebenzi wabo kuholela ukulahlekelwa ohlelweni zezimali kanye nomthelela kabi lemakhono ekukwati kufundza nekubhala ezingokomthetho zabantu. Collection ibhizinisi, sixoxe umsebenzi omusha. Ngaphezu kwalokho, naphezu kwazo zonke ezimbi, ezimweni eziningi, izenzo zabo zisekelwe ngempela ngezizathu zomthetho. It kuvela ukuthi amalungelo ezakhamizi empeleni zabo umthetho. ngempela abantu nje ube nolwazi kancane ngala ejensi, ngakho kukhona izimo ezinzima. Ngaphezu kwalokho, abantu abaningi nje asazi kanjani ukukhuluma abaqoqi nendlela kunemidanti ukubuya izikweletu.

Iyini inkinga?

Ingqikithi yalo angisizwanga kahle isisebenzi nengxabano eBhange ababoleka abaqoqi ukuthi umsebenzi kwesibili akunalo nohlaka lomthetho. Futhi abaningi ukuqonda ukuthi lena umsebenzi ibhizinisi. Yingakho sidinga umthetho ophathelene lolu hlobo lomsebenzi. Futhi, kungase kudingeke wenze izinguquko kwi ezithile Code Civil. Khona-ke nanku umbuzo, kukhona abaqoqi ngokomthetho noma cha, uzonyamalala ngokwalo.

umkhuba

Uma ufika abaqoqi, kubalulekile ukwazi ukuthi ukuxhumana nabo. Ukuze wenze lokhu, Thenga kakhulu ulwazi mayelana nomsebenzi wabo ne ebhange. Lapha kukhona isimo esinjalo: ebhange ubeka isikweletu iqoqo lakho ejensi, futhi, esikhundleni salokho, uyithenga. Khona-ke, phakathi esivumelwaneni abasenza sokushintsha ubunikazi amalungelo labantu abakweletayo komunye umuntu. Isebenzisa okuyingxenye 2 sihloko 382 we Tax Code, obhekisela yokuthi kwemvume okweletayo akudingeki. Olunye ulwazi mayelana okweletayo iwela ejensi iqoqo. Kukhona izinketho ezimbili yilezi:

1. Nezikweletu angadluliselwa wesithathu. It kuvela, ibhange ethengisa ejensi nakwabangenangqondo.

2. IBhange engena inkontileka abaqoqi ukuthi kufanele zisebenze ukubanika umboleki inkinga isikhathi esithile.

Isikhathi esining impela kwenzeka ukuthi okweletayo kugcwalise Thenga abaqoqi. Izibuyekezo mayelana nokuthi kungani lezi zinhlaka ingaba mibi, ngoba unolwazi mayelana isimo nalo muntu. Qala ukusebenza naye, bese kuvela ukuthi izikweletu uxoshiwe. Lona hhayi iphutha abaqoqi, futhi ibhange uqobo.

sivumelwano

Isimo namuhla yakhiwa edidayo, kodwa indlela yokuphuma lapho. Udinga nje ufunde indlela ukubambisana ejensi ukuthi angasiza ukubuya imali. Ukuze wenze lokhu, udinga ukungena ngemvume isivumelwano ezinyunyana. Kukhona kakade onengxenye yasebhange, umboleki kanye kakhulu iqoqo ejensi. Ngenxa yalokhu yakhoibrium kufinyelelwe, futhi isenzo ngeke neze esisemthethweni. Kulokhu, umbuzo mayelana abaqoqi - ngokomthetho noma cha basebenza - ngeke zihlobane.

Kuyaphawuleka ukuthi kusekuningi anticollection ejensi. Asiza izakhamuzi kubuketa esimisweni izinkokhelo ku loan. Futhi unquma ukuqhuba izikweletu rekrutizatsii noma ukuze sinciphise izinga lokutholakala kwengculazi loan yakho. Kungasiza ukumisa accrual kwezinhloso zenzuzo, ukuba bafake isandla isinqumo esivuna yakho, kanye nokunye okuningi. Ngakho-ke kungenzeka ngabo ukucela usizo uma isimo luyindida kakhulu. Nokho, iqoqo ejensi abasebenza namuhla, sithembele umthetho, futhi ngokuvamile musa ukuwuchitha. Uma wazi indlela efanele ukukhuluma kubo, khona-ke ungakwazi wawo wonke uvume. Ngenxa yalokho, ukuthola isisombululo nempikiswano kubuye shí ezikweletini, futhi ngaleyo ndlela ukuze ulondoloze wakhe nesikhathi abanye '.