Forfaiting - ityala yokufunyanwa

Yonke imihla yobomi bethu bemihla ngemihla kukho amagama abolekwe iilwimi zasemzini. Intsingiselo kwezinye ocacile kwaye ziqondakale. magama Ezo ngokukhawuleza iingcambu yaye zibe yinxalenye kwintetho yemihla ngemihla. Umzekelo: Kulnev, laptop yakho, umdlali, ifowuni ephathwayo kunye nabanye. Nakuba kunjalo, kukho iqela ngokwemigaqo ethile, uhlobo imvelaphi kunye nokusetyenziswa elizayo apho uqonde ukuba zonke. Uhlobo lwe mazwi isebenza ingqikelelo yokuphulukana. Yintoni na? Ngamagama alula ukucacisa intsingiselo kwexesha elide amazwe kunokuba uqhelene ezisisiseko yomntu nezoqoqosho kuphela. uncedo kangangoko kulo mba uya kuba iphepha kunye namajelo eendaba, ebonisa isakhiwo nokusetyenziswa kolu luvo. Amaninzi abantu siphambanise okanye sinxulumane namanye kahle nganye kunye forfaiting. La ngamagama ezahlukeneyo ezimbini phantse akukho umfownelwa. Ingcamango yokugqibela eza kuxutyushwa kweli nqaku.

Ubume kunye nemvelaphi zonyango

Forfaiting - yinto koqoqosho. Indawo awazalelwa kuyo gama eNgilani. Kwaba khona ukuba kwakukho into efana ukuphulukana, gama elo elithetha "isigwebo", "omhle", "imali", "ilungelo lokuba aphelelwe." Ifomu nokuba ngaphambi ilizwi lilingana French i forfai, okanye "wonke".

Okwangoku, kukho iindlela ezininzi le khowudi yasiwa kumbhalo ngekota. Ngenxa yoko, balahla - umsebenzi zemali apho arhente okanye njengoko iyaziwa emarikeni, forfeytor uzuza uhlobo lwezorhwebo imbopheleleko lomthengi / obolekayo / umrhwebi ongenisa ukuba umthengisi / umbolekisi / kumazwe angaphandle. Umzekelo, imibutho kufuneka ibuyiselwe A iiyunithi eqhelekileyo imali 100 000 iimpahla zinikelwe kuyo B. Kulo mzekelo, akukho thuba ukunika umva. Ke imeko inokuba uqale wesithathu ukuba uya kubuyekeza i A. inkampani mboleko Inkampani B ufumana imali. Umbutho A - ukuhlehliswa bentlawulo mboleko. Agent - bachitha kuphela imali, kodwa ipesenti ethile inzuzo elizayo. Ubume zebhanki likholisa njenge arhente.

Ukuze ufumane inkcazelo engakumbi,

Ngenxa yoko, balahla - uhlobo oluthile ngetyala, ixesha yokuhlawulwa kwayo kwenzeka emva kwexesha elithile. Ngokuqhelekileyo, njengoko ixesha nexesha elithathwa iminyaka eliqela. Le ndaba kwisenzo uboleka iintengiselwano okanye iinkonzo zorhwebo. Eyona iphambili na ikhomishini yalo msebenzi bubukho ngomba othile nge-uxanduva imingcipheko. Forfeytor ukuze athenge kwamatyala "ngaphandle abanaluncedo." Oko kukuthi, ibhanki-mboleki ngokuthenga amaxwebhu, akanalo ilungelo lokubanga umnini wangaphambili zabo. Njengoko izibambiso adla kusetyenziswa eyilwayo.

Iimpawu ze wesiphaluka

Forfaiting - yinto eqhelekileyo kweli West ngendlela credit yorhwebo. Ezithandwa kakhulu waye UK kunye Germany. Zeziphi zikho iimpawu yingisela? Makhe sibone. Okokuqala, umqalisi le hlawula ukusebenza inokufana umthengisi kunye nomthengi. Okanye isivumelwano eqhelekileyo. Icebo le nkqubo ilandelayo:

1. yebhanki Agent ubeka umthengi inani kweemeko zemali.
2. izibambiso ukunikezwa yokugqibela forfeytoru ezifezekisayo ngokupheleleyo iimfuno babeka phambili.
3. Waza wathenga ityala umthengisi ebhankini.

Amaxwebhu (umusa namaphetshana promissory kunye namatyala wokwaluswa), ngokuxhomekeka forfeytoru-arhente, i isiqinisekiso zokufumana izinto, kwakunye njengobungqina kwisabelo-mboleko kunye nelungelo ingeniso, ekulindeleke ukuba amkele kwintengiso yemveliso kwixesha elizayo.

buhle

Okwangoku isasazwe ekuthiwa forfaiting ngamazwe. Inzuzo ephambili kuyo kukukwazi bathenge impahla ngemali okwangoku, endaweni yenzuzo ukuba ndizuze kwixesha elizayo. Plus kwakhona a wenzala osisigxina. Ivumela umboleki ukuze ngokukhawuleza nangokulula izicwangciso iindleko mboleko. Ukongeza, uxwebhu inkqubo elula kakhulu kwaye ngokukhawuleza.

Ngomhla kummandla Russian Federation, ubude imicimbi forfaiting ukudlula ixesha yaseYurophu iintsuku eziliqela. Isizathu soku imfuneko imvume eyenzelwe ngokukodwa kwi-Central Bank. Loo nto, kufuneka afumane isicelo imvume wo yingisela. Ukuqwalaselwa isicelo kuthatha malunga nenyanga.

ukushiyeka

Ngokungafaniyo mboleko ebhankini, forfaiting intengiselwano kuyimfihlo ngokungqongqo. Ngelo xesha linye kuneengxaki zawo. Umzekelo, ukufumana nokuqinisekisa ukuba ebhankini. Ukongeza, izinga lenzala kule misebenzi iphezulu kakhulu kwezinye iintlobo yokubolekisa ngemali.

Xa usenza iintengiselwano yokuphulukana kufuneka sinikele ingqalelo kakhulu kwizinto ezifana:

1. Imfuneko ayisosinyanzelo kwaye ngexesha nezilumkiso umthengisi malunga lokuhlawula lezavenge etyala elo likhoyo.
2. Ibhanki kufuneka sime ngummeli wowona ulungileyo intlawulo, ukuba umthengi ayikho i arhente zikarhulumente, okanye inkampani yamazwe ngamazwe.