Buyela izimali emalini ebolekwe: Litigation

Ukubolekwa kwemali manje evame kakhulu. Ngakolunye uhlangothi, kulungile. Awudingi ukuba wenze noma yini ukuze onge imali yokuzifundisa into oyifunayo, futhi ungavele uyithenga Ngaboleka imali. Kodwa kukhona embi ngalo. Okokuqala, i-ngokweqile iba ngempela palpable ngenxa accrual nasithakazelo izikweletu. Ngaphezu kwalokho, manje amabhange amaningi ukushaja amakhasimende imali ezifihliwe amasevisi athile. Ake sihlole kulesi sihloko, kungakhathaliseki kwakho kokubili lokho okuqokelekile abanjalo bangabaphostoli esisemthethweni, kanye nethuba inselelo futhi ukubuyela izimali njengamanje.

Uyini ikhomishana loan?

Izinga lenzalo yemali mboleko ikhokhwe yikhasimende abolekise yasebhange - ukuthi akubona bonke baphoqeleka ukuba izindleko ezibhekene amakhasimende. Ikhomishana loan kungenziwa ngokuthi into eyodwa ngaphezulu kwezindleko. Baningi ikhomishini, okuyinto kuze 2009 avunyelwe zokuthenga ngesikweletu isinxephezeliso izinga ephansi, umthetho RF uthathwa emthethweni. Buyela wemisebenzi on loans samanje lubalulekile kakhulu.

Credit iKomiti kuyinto inkokhelo izinkonzo ezenziwa ebhange. Lokhu kungafaka: ukubuyiswa kwemali ekuseni, isevisi loan, loan, isicelo semalimboleko ukucabangela, ukuvulwa kanye nokugcina i-akhawunti loan.

Imali uKhomishane angase izobalwa a inani elimisiwe noma ngamaphesenti.

Kungakhathaliseki kwesokudla ayemkweleta ukuze ngimbambe?

kwenziwa isinqumo ngo-2009 Supreme Arbitration iGceke Russian Federation le khomishana icala nge-credit izikhungo okuhlinzeka credit, kukhona emthethweni. Okwenza ikhasimende yasebhange, umkhuba kuhlanganise kwinkontileka omyalo izinkokhelo, ilungelo imali ikhomishini ubhekene nenkinga yezimali. Lokhu kuyiqiniso impela, kodwa noma ngabe empeleni bakwenze? Sizokwenza ukuqonda.

wokuqulwa kwamacala ezinkantolo

Ngokusho isinqumo boPhezukonke Arbitration Court, isikhungo credit lingakhetha imali amasevisi eyengeziwe, phakathi okuyinto ungafaki isenzo ngesimo akhawunti loan, kokucubungula isicelo, loan nabanye kuphela. Lezi zenzo ezihlobene ohlwini, ingxenye izibopho yebhange. Lokho kuzokwenza inhlangano noma umuntu ulindele lapho ukugcwalisa isimangalo kwemali ikhomishini isinqumo esihle.

Uhlu ikhomishini emthethweni

Buyela izimali emalini ebolekwe kungenzeka, uma ekhokhwa ngokungemthetho.

Isimo abasohlwini isinqumo boPhezukonke Arbitration Court wathola zonke izindleko afakwe yasebhange isikhungo isivumelwano sesikweletu. Ethandwa kakhulu ebhange impango nokuhuheka izimali zibandakanya: amasevisi ngesikweletu, amasevisi isiphetho, loan akhawunti yesondlo, umshwalense, loan.

Umthetho we Russian Federation uyakuqaphela ukubuya kungenzeka kwanoma iyiphi ikhomishana oshiwo ngenhla.

Ukuze uthole ukuthi agcinwayo noma lowo msebenzi ngokwethembeka, ngokuvamile eduze ngempela ukuhlola izimo yesivumelwano futhi esimisweni izinkokhelo ku loan. Khombisa omyalo izinkokhelo cishe njalo wazibona. Ezinye izimali kungafihlwa e izindleko zasebhange. Nesivumelwano sokubolekwa ingaqukatha kukhulunywa iqiniso lokuthi iklayenti evuma ngokuphelele iyiphi izindleko ezihlangabezana amazinga sesikweletu. Zingahluka njalo, futhi lo muntu obolekayo is bangaxwayi. Amakhasimende ebumnyameni, ngoba njalo ekukhokheni izimali.

Yimaphi kungaba imali nezinkokhelo umshwalense emalini ebolekwe?

Umnqamulajuqu wokuhambisa isitatimende kwesimangalo

Umthetho we isethi Russian Federation ukubuyela iKhomishana imigomo isicelo eminyakeni 3. Uma Banking Commission phindisela ekuseni, umboleki uyoba ukulahla ngenhloso ukuthola lemali ikhokhwe emuva. Lapho esondela isikhathi iminyaka engu-3, ngeseluleko abameli, kufanele ngokushesha aye enkantolo ngaphandle Isenzo esedlule. Khona-ke nje, kubangele isikhathi esiningi.

Buyela wemisebenzi on loans - inqubo

IKhomishana yokuThuthukiswa credit angase abuyele ndaba isivele phindisela esivumelwaneni sokubolekwa kwemali noma okwamanje, esimweni lapho inkathi komkhawulo ongakabi sekukhona. Umboleki, zanquma ukuthatha ukubuya esimisiwe ngokungemthetho ikhomishana izinkokhelo bebodwa, kumele zithobele izenzo ezilandelayo: ukuthumela Ibhange isimangalo, isikhalazo CPS bese aye enkantolo.

Isicelo ibhange

Isimangalo ezothunyelwa Ibhange uzilungiselele e 2 amakhophi. Kule ncwadi inkinga kumele iboniswe, okuyinto wasuka obolekayo, imbuyiselo isicelo salo msebenzi, kuhlanganise kutjhiwo esikhishwe isinqumo kuncike kwesihlalo sokwahlulela arbitral. Ikakhulukazi kufanele kube zamagama ebhange kanye nekheli iklayenti sika. Izimangalo kufanele ithunyelwe ehhovisi elikhulu lesikhungo. Ikhophi eyodwa iwukuba ebhange, nezinye izisebenzi yeHhovisi kuyakuyiswa emakwe ngosuku irisidi, okuyinto kufanele ilawulwe. On kokucubungula isicelo Kufanele kuthathe izinsuku elingekho ngaphezu kuka 10.

Kanjani ncamashi owenza ukubuya amacala yasebhange kanye umshwalense emalini ebolekwe?

Ixhumana Rospotrebnadzor

Uma impendulo ebhange ingakapheli akukho lutho-ke ikhasimende inelungelo banxuse Izikhungo Federal. Ikhophi isimangalo isitembu yasebhange iyadingeka ukuze ungeze le ncwadi. Lesakhiwo credit uyokwamukela okungokwami Rospotrebnadzor esihle, futhi lo muntu obolekayo kuyodingeka inzuzo ngesikhathi kuqulwa icala.

izinyathelo zomthetho

Kanjani imali imali loan ngokusebenzisa izinkantolo?

Afake isicelo enkantolo ibe okungenani, uma ibhange kwakungekho ukuphendula ngisho emva kokwelashwa kusevisi Federal. Izindleko kufanele ungesabi, ngoba isikhungo credit ziyophoqeleka ukuba sivale lapho sisilela khona. Ngenxa yokuthi icala ihlobene ukuvikelwa umthetho amalungelo umthengi, inkokhelo yemali yokubhalisa singanikezwanga ngoba. Ikhasimende bangathembela ukuliliswa zokuziphatha, okuzenzakalelayo isithakazelo, okuyinto lihlotshaniswa ukwehluleka izidingo ukubuya. Just for kulokhu ukuxhumana kudingekile nesikhungo credit. Okuwukuphela amagrafu umboleki Izindleko amasevisi ezomthetho, esimweni isinqumo iphendukele kubo.

Umnqamulajuqu kokuthola imali

Iyiphi inkathi yesikhathi izobuyisa ikhomishana ibhange loan?

Igama elithi isilinganiso ikhomishini Lokubuyela 3-4 izinyanga. Le nkathi kuhlanganisa lokhu okulandelayo:

• Buyela Commission njalo yokuzithandela yibhange phezu kokuthola izikhalazo ikhasimende ezinsukwini ezingu-10.
• Lapho inani isimangalo ezingaphezu kuka-50 eziyinkulungwane ibhizinisi kubhekwa iNkantolo yesiFunda ezinyangeni ezingu-2.
• IMantshi ibheka lokufuna isizumbulu esingaphansi 50,000 enyangeni edlule.
• Isinqumo senkantolo kuziwa phakathi force enyangeni 1.
• ishidi Executive senziwa ezinsukwini ezingu-10.

Isinqumo senkantolo kuyaqabukela ukuvusela ngokumelene amabhange, kodwa lapho usebenzisa lolu esifanele kungaba welulela i ezengeziwe ezingu-2. Emva kokuthola imiBhalo ngokubulawa egumeni, okweletayo uthunyelwa uhlelo lokusebenza Bank of Russia RCC. Bhala off imali ku-akhawunti sesikweletu futhi adluliselwe ku-akhawunti ye-iklayenti. Ukubuyela imali ukuze lo muntu obolekayo, udinga ukuthi unikezele ngenkontileka ku loan yokuqala, kanye namarisidi izinkokhelo ezenziwe. Ibhange wakhipha ikhophi imibhalo.

Usizo izikhungo zomthetho

Uma iklayenti unganelisekile ikhomishini buyiselo zakuqala imalimboleko, angase afake isicelo kwisikhungo yangasese ukuze uthole usizo lwezomthetho ukuze labantu.

ukusheshisa inqubo kungenzeka nge iklayenti ezikhungweni zomthetho ukuthi ukunikeza usizo ekubhekaneni nezindaba ezinjalo. Izinkampani ethandwa kakhulu ezihlobene insimu ka-Russian Centre for buyiselo ukusebenza kwekhomishana ebhange. Lokhu ukusungulwa waziphatha imbuyiselo inkonzo futhi kuvulwa akhawunti. namahhovisi omele eMoscow nakwamanye amadolobha amaningana Russian. Kubandakanya usizo umboleki ongeza inhlangano, ngubani uhlushwa ikhomishini emthethweni: Amalungelo Ukuvikelwa Centre, lwezezimali Advisor, Legal Defense Centre.

Kuzokwenzekani uma kwenzeka ezingqubuzana ebhange?

Ukubuya Imali yebhange loan zithandwa kakhulu.

Kodwa omunye ukukhathazeka eyinhloko umboleki, zanquma ukuthatha ukubuya uthunywa ukuba sephule inkontileka kwesikhathi ebhange. Inkantolo ibona isenzo esingekho emthethweni, njengoba isivumelwano iklayenti nezikhungo yasebhange kufanele zihlala zinjalo. Kuyoba kuphela ukususa isigaba ekukhokhweni ikhomishana. Umboleki kungqubuzana nebhange angase abhekane kokwenqaba kabusha ukuthola imalimboleko isikhungo bese eba isigaba inkinga amakhasimende. Kodwa lesi senzakalo silotshwe Umlando wokukhokha kwemali ngeke futhi ngeke kuthinte loan noma iyiphi enye inhlangano.

isiphetho

It lingahunyushwa baphetha ukuthi imali senzuzo Ukukhishwa loan ungokoqobo, kodwa kuyodingeka isikhathi wachitha. Ngaphambi uxhumane ibhange loan, kufanele ayicabangele ngokucophelela amaphuzu negative.