Indlela yokwenza utyikityo. ukulungiselela Iirisithi kwesampuli

Nangona ngoku ukufumana imali-mboleko ebhankini okanye umbutho microcredit ayenzi ubunzima, abantu abaninzi kodwa bakhetha ukuba kuyimfuneko ukuboleka imali zizalamane. Iyaqondakala, amashishini kufuna inyathelo elingqalileyo, ukubonelela zonke iintlobo zamaxwebhu, waza ke omnye, yaye kunyanzeleka ukuba babuyele kunye nemali inqununu intlawulo yetyala ukuba ukusetyenziswa imali. Uhlala okufanayo kunye nabahlobo, zonke ezi nkqubo kumaziko aseburhulumenteni olunokutyeshelwa, kwaye ekhulwini abantu osondele ahlawule ingafuneki. Noko ke, ngaphambi kokuba uboleke imali, yonke umbolekisi enokwenzeka kufuneka ukwazi ukubhala indlela irisithi. Asingabo bonke ngoko uxwebhu olukhutshwe angangeniswa kwabasemagunyeni enkundla ngenxa yokuqokelelwa kwamatyala.

irisithi

mboleko Cash wobugcisa ohlala phantse bonke abantu abathile ukunika abanamatyala kwizalamane, owesibini - oogxa bakhe. Xa isixa-mboleko incinane, ngoko amaqela ayavuma phakathi kwabo kwi ixesha lokubuya layo, sukube kwenzeka ngendlela ngomlomo. Ke ukuba lo mali inkulu, ngoko ukuze kuyibiyela imingcipheko zabo, umbolekisi kufuna umntu onetyala uxwebhu esiqinisekisa kuthe ukugqithiselwa kwemali kunye nembopheleleko ukubuyela kubo. Ngoko ke, abantu abaninzi kangaka ngokucofa mbuzo: "Indlela yokwenza irisithi oluchanekileyo ngokusemthethweni"

Isivumelwano okanye irisithi?

Wenza irisithi yakhe kunye nesivumelwano mboleko ngenene akukho ezahlukeneyo. Le yokugqibela yenziwa phakathi abemi abaqhelekileyo, xa isixa-mali nokuba yeyani ekubizwa elikhulu kunene. Emva koko ke bacele ukuba ekwenzeni olu xwebhu kwi izivumelwano. Mu kuya kwa nshita kokufumana isivumelwano semali-mboleko yenziwa kwiimeko apho isivumelwano yomlomo iziphumo okukruqulayo yingozi-nye obolekayo nobolekwayo, imali non-buyela, yaye isibheno ukuyilahla izivumelwano ngenxa imali enkulu kakhulu. Hayi igqwetha zonke kuya kukuxelela ukuba ukhululekile ukuba ukwenza njani imali irisithi; kuba kukulungele kanye ukuba aqinisekise isivumelwano kwaye ufumane imali kuyo.

basis zomthetho

Lo mthetho federal linike ithuba ukuqinisekisa into yokuba ukusamkela mboleko umbolekisi ukuya mboleki. Ngokukodwa, inqaku 808 of Code Civil ithi ukuba isivumelwano semali-mboleko, ekwavunyelwana ngaso abemi, kufuneka nakanjani babe ngencwadi ebhaliweyo. Noko ke, le mfunelo isebenza kuphela kwabo imicimbi, isiphumo leyo ngaphezu izihlandlo ezilishumi iseti ngexesha imali-mboleko ye-wemivuzo (SMIC).

Ukongeza, umthetho yoluntu esekwe ukuba ukuba otyalwayo kwaye onetyala ayenzi ukwenza uxwebhu ebhaliweyo, isivumelwano akuyi kugqalwa mthethweni, kodwa ngaxeshanye, umbolekisi akayi kuba nako bathembele ubungqina enkundleni. Uya kufuneka ukujonga ezinye bubungqina obubhaliweyo.

Ukuze siphephe iingxaki ezinjalo, uxwebhu kulula ukubhala, uze emva koko ubhale njani lifaka, na onokumxelela nommeli onamava.

Kwiimpazamo eziqhelekileyo ukulungiselela xwebhu

Ulwazi ye indlela yokwenza i lifaka, kuya kwenza kube lula kakhulu kwinkqubo yenkundla kwimeko non-lokuhlawula imali, ngokuba iya kudala iingxaki ezingeyomfuneko ahonjiswe kakuhle kunye nemiqobo kwiinkqubo zomthetho.

Enye kakhulu gqolo ziyenzeka iimpazamo abemi ekulungiseleleni ngesixhobo yetyala zidweliswe ngezantsi.

obolekayo individualization

Omnye iimpazamo, xa uxwebhu ayikho ngokupheleleyo individualizes umboleki. Umzekelo, ukuba irisithi yathi: "Mna, Sergeev Sergey, wathabatha imali kwi-mali ka-80.000 engange. yi Andreeva Andreya ... ", inkundla ingacela, ngaba ngokwenene ukuba Sergeev Sergey, hayi enye into. Mhlawumbi irisithi wabhala Sergeev Sergey Petrovich, umbolekisi kufuna imali Sergeyev Sergei Sergeyevich? Kulo mzekelo, yi nga ku pfuna uviwo ukubhala lwasenkundleni, echazwe yi uxwebhu kuphela. Kodwa, naliphi na uviwo kuthatha ixesha elininzi, ngoko kulula ukuba ufifi lokuba ubhale indlela irisithi elungileyo ngokukhupha kwangokwaloo imithetho kunokuba kamva konga ixesha nemali ngenxa yeempazamo. Kufuneka kuqatshelwe ukuba iimpazamo ezilolu hlobo ikakhulu zifumaneka abantu amaqhina oqhagamshelwano kubudlelwane (ngabahlobo okanye abazana), okanye phakathi izalamane. Ngenxa yale kufutshane kudla iqwalasela uxwebhu olubhaliweyo umbolekisi njenge Okusemthethweni.

Makuboniswe ukuba i data umbolekisi

kuvela iingxaki lingekho uxwebhu olubhaliweyo, i-data ezipheleleyo endodeni. Ngoko ke, ukuba irisithi kubhaliweyo kule fomu: "Mna, Sergeev Sergey Sergeevich, wafumana abanamatyala imali kwi-mali ka-80 000 engange. Ndithembisa ukuba zizibuyisele Matshi 3, 2016 ". Olu khetho ayibonisi nombolekisi eyanika imali, enika ithuba kubaboleki abanganyanisekanga uxelele inkundla ukuba irisithi wanikwa ngokupheleleyo omnye umntu. Oku kungabangela umgwebo inyama yenyama yakhe, sawaxelela ukuba ukuba uboleke ivanov, yaye kamva baphulukana irisithi. Qaphela zonke epheleleyo nxaxheba intengiselwano data ziya kukunceda ukuba uphephe ubutshinga, ukuba otyalwayo akakwazi ukwenza njani lifaka, isampuli ingafunyanwa lula ngokwaneleyo.

Ukungabikho a transfer

Kukho iimeko apho umbolekisi yanelisekile kakhulu kunye irisithi, ihonjiswe ngolu hlobo: "Mna, Sergeev Sergey Sergeevich, wavumelana Andreevym Andreem Andreevichem ongathatha kuthatha imali kwi-mali ka-80 000 engange." Engazi ukuba ubhale indlela irisithi, umbolekisi bade bacinge ukuba yena akakwazi, ukuba ngexesha kwetyala onetyala ubhengeza ukuba imali ayifumanekanga kwaye irisithi ekhutshwe kuphela injongo zenza into. Kodwa ngokwenene, zayo enyanisweni Unknown imali umboleki.

Kuya kubakho imfuneko sithembele nokuba nayiphi na ubungqina ezongezelelweyo okanye yanelisa senkundla. Kodwa hayi into yokuba inkundla ujike ulandele endodeni. Nokuba yokugqibela wayecacisa meko yandiswa ngumba wokuba ukuba kuthiwa wayengazi ukuba ubhale indlela irisithi, isampuli ye-xwebhu akaba nako ukufumana, inkundla iqwalasele abukho zingenasihlahla.

Ukungabi injongo

Kungakhokelela ekubeni iziphumo ezibi ukuba umbolekisi kunye uxwebhu olukhutshwe ngolu hlobo lulandelayo: "Mna, Sergeev Sergey Sergeevich evela Andreeva Andreya Andreevicha isixa semali efikelela kwi-80 000 engange." Njengoko kubonakala kwitekisi, oko kubonisa ukuba ukuba imali, yintoni Sergeyev rhoqo wazibuyisa. Xa ityala, ukuze achaze ukuba le mali ibukeke kuye kwentlawulo kuthengiswa phambi kwale nto noba, ngokubanzi, wasondeza. Kwaye umbolekisi akayi kuba nako ukubonisa uxwebhu kangangokuba eyenziweyo yi-mboleko, hayi yintlawulo into. Ukuba umbuzo othi: "Indlela yokwenza irisithi" - ingqalelo ekhethekileyo kufuneka ihlawulwe ulwalathiso injongo transfer imali, oko kukuthi, yabakho-mboleko.

Ezinye iimpazamo eziqhelekileyo

Kuba ezinye iimpazamo ababolekisi abangazaniyo indlela yokwenza imali irisithi inokuquka ezifana kumzobo computer ekhululwe, kulandele Ukuncamathisela utyikityo lwe onetyala. Kwimeko ukwala zakhe utyikityo akwale iimviwo ukubhala kuzo zonke iimeko akwazi ukuchonga kumniniyo.

Abantu abanomdla ukuba ukwenza njani irisithi kufuneka, ukongeza, ukuze aqonde ukuba irisithi - uxwebhu. Noba uxwebhu akuvumelekanga ukulungiswa, erasures. Ngoko ukuba irisithi wenza bengamabala ezinjalo, bahlaba imali kwaye ibonisa wenza ezahlukeneyo, ezinye tshintsho, kufuneka thethwana ngamaqela. Kufutshane ukulungiswa ngalinye kufuneka ukuba ufake utyikityo zabo, kwaye kungcono ukuba ubhale uxwebhu kwakhona.

Nkqu ezinye bokuqonda ukuba ukwenza njani lifaka. Olu xwebhu kufuneka ukhankanye ixesha lokuhlawula imali-mboleko, ukuba kuyimfuneko, injongo wokukhuthaza (ukuba otyalwayo ebalulekileyo), intlawulo okanye ezamahala, oko kukuthi, nokuba unetyala ukuba ahlawule inzala ukuba ukusetyenziswa imali.

imigomo

Ukongezelela, usenokuquka kwi irisithi ukuhlawula isohlwayo xa ukulibaziseka imali, nto leyo ngaphezu lulungisa iilahleko nombolekisi ukuba umboleki kungaba okungalungile.

Nokuba oyibolekileyo enqwenelekayo ukubandakanya into ngeembambano esemthethweni. Ngoko ke, lo mthetho yoluntu esekwe ukuba amabango ngenxa nokufunyanwa kwemali ingqalelo yinkundla kwindawo ahlala kuyo ummangalelwa. Ke ukuba umphenduli waya komnye umzi, indlela yokwenza ukufunyanwa? Isampulu amanqaku ingasiwa kuyo nayiphi na imvumelwano. kubume bayo usendleleni yokuba amaqela kufuneka aseke onamandla ukhetho sombangi (otyalwayo) okanye nayiphi na inkundla othile emzini othile.

Phawula ezi meko okunqwenelekayo ukuba umbolekisi, kodwa ukungabikho kwabo akuchaphazeli ukuthembeka kolo xwebhu.

alungiselelwe lolu xwebhu

Ngoko ukushwankathela, emva kokuqwalasela zonke abatyalwayo yimpazamo eqhelekileyo, kusesemini kuyimfuneko ukuchaza, ubhale irisithi. iirisithi isampula, eboniswe ngezantsi, kuya kukunceda abantu abaninzi baqonde lo mbuzo ababolekisi musani zoyiswe yaye ulahlekelwa yimali wabo.

"December 1, 2015. I Sergeev Sergey Sergeevich, 01.01.1990, owazalelwa eMoscow, kuthotho 1234 №123456 ekhutshwe lisebe amapolisa ipasipoti kwisithili Tsentralny of Moscow 05.05.2008, ehlala Arkhangelsk, ul. Gogol, d. 25, q. 25, wafumana imali-mboleko evela Andreev Andrei Andreyevich, 01.02.1991 ukuzalwa, series 4321 №654321 yokundwendwela ezikhutshwe yamaPolisa Northern District of Arkhangelsk 17.09.2009, ehlala Arkhangelsk, ul. Gogol, d. 25, q. 26, imali-mali ka-80,000 (asibhozo amawaka) engange. Imali efunyenwe ekubhaleni irisithi. Ndithembisa ukubuyisela isixa wathi phambi June 1, 2016. Utyikityo, igama. "

isampuli efakiweyo ingxelo ecacileyo ukuze udale indlela irisithi ukuba kufuneka kuchaziwe ukuze ngokungqongqo. Ukuba isixa esikhulu kakhulu okanye umbolekisi nje ufuna ukufaka kwezinye iimeko ezongezelelweyo, irisithi unako kuxhaswa ngabo, kodwa unako ukwenza isivumelwano semali-mboleko elungileyo. Xa nawuphi na umcimbi, iingcebiso zomthetho awukwazi buhlungu.