Inzala-free mboleko evela Umsunguli: iintlobo izivumelwano, ingakumbi

Phantsi komthetho ngoku, isivumelwano semali-mboleko ekunokugqitywa ngaphandle kwenzala. Ngoko ke umboleki kuya kufuneka ukuba uhlawule inzala endodeni. Noko ke, ukuba isigqibo kweli nyathelo, kuyimfuneko ukuba ukuthatha ingqalelo eninzi lwemiba. Eli nqaku liza kujonga ukuba yintoni na imali-mboleko umdla-free ukusuka umseki enjengokuba Enjalo, kwaye yintoni imiphumo nebhere.

iimpawu

Kuba baninzi, ayisekho umahluko phakathi mboleko kunye mboleko. Nangona kunjalo, ezi ngcamango azikho nye. Mboleko - isivumelwano jikelele ngakumbi xa kuthelekiswa ngetyala. Ngoko ke, lo wokugqibela - oku nje enye yezi ntlobo-mboleko. Lubonakala yinyaniso oko kuquka inzala ithe kuphela ibhanki okanye enye intlangano selayisenisi efanelekileyo.

Khawuve oko features ze-mboleko.

1. Kokuba zinikwe ngohlobo lwemali kunye nezinto.
2. Kukho ithuba isivumelwano kwisiseko isibonelelo.
3. Isivumelwano uya kungena ukusebenza xa ipropati igqithiselwe okanye imali.
4. Ngokungafaniyo-mboleko, imali-mboleko ingakhupha nayiphi zomthetho okanye umntu. Oku ikakhulu ezidluliselwa ngemali. Noko ke, kukho ithuba yokubonelela kwenye ifomu. Kulo mzekelo, izinto kusenokwenzeka ukuba neempawu ngamnye, kodwa amanyene ngeempawu ezithile.
5. mboleko Duffel adla a priori non-inzala ukuzala. Nangona kunjalo, kuba imali, phezu koko, uninzi intengiselwano baqaphela ngomdla. Kwaye ukuba kuchazwe ngenye indlela, ipesenti ibalwa ngokungagqibekanga (rate mboleko).

Kwaye enye umahluko ebalulekileyo kukuba kwesiVumelwano seMali-mboleko iya kuqala ukusebenza kuphela phezu ukudluliswa imali okanye izinto, lo gama i-mboleko ithathwa waqukumbela ngexesha xa ikhontrakthi esichaza izibophelelo phantsi kunikezelo esayiniweyo imali.

Inzala-free mboleko evela umsunguli

Lo mboleko yenye uhlobo oluthile, nto leyo ithetha ukuba umboleki akuyi kufuneka ahlawule inzala isivumelwano. Ngenxa yoko, kufuneka ahlawule kuphela imali leyo esandleni.

Noko ke, xa kusenziwa, kuyimfuneko ukuba siqwalasele iimeko ezahlukeneyo. Ngenxa yoko, i-mboleko inzala-free ukusuka umsunguli ibandakanya ukuhlawula irhafu kwicala umboleki kunye icala endodeni. Ngoko ke, le meko kufuneka ziqwalaselwe, oko bekungenjalo, ukuba ukuzama ukunciphisa iindleko iza kukhokelela ekwandeni kakhulu irhafu yaye akayi kuba nenzuzo.

Iinjongo eziphambili, elikhuphe olu hlobo lwe-mboleko zezi:

• owasungula le uncedo;
• phakathi mveliso;
• inkxaso-mali kubasebenzi okanye umnini weshishini;
• ngemali iprojekthi ishishini;
• ukunceda abahlobo kunye nosapho.

Ukuba isixa singaphezulu ukuba kufuneka ukuba kubekho isivumelwano ngo-1000 engange. Ukuba wenza njalo, ngoko oko kubonisa ukuba ukunika imali zisafana akunakwenzeka.

Irhafu kunye nohlobo kwezivumelwano

Kuba iintengiselwano ezenzeka phakathi lixhomekeke kwelinye abantu amaqumrhu asemthethweni (umzekelo, phakathi komqeshi nomqeshwa), ngu wombuso abasemagunyeni olawulo ukulungiselela ukulawula okhethekileyo. Ngapha koko, indlela enjalo yenye yeendlela okuxhaphaza of nokufunyenwe ngeendlela ezingekho mthethweni. Ngoko ke, xa usenza kwimvumelwano kwisebe mali kufuneka silumke kakhulu, ingakumbi ekubaleni mba irhafu.

Eyona ingozi ibonwe yi-Ofisi yoMphathiswa wezeMali, leyo kufuneka athathe ingqalelo urhafiso ngengeniso yokuba inkampani ungazuza xa imarike interest rate. Noko ke, abasemagunyeni zommiso sinikele ingqalelo mboleko kuphela xa kwenziwa ininzi kakhulu kwaye ziquka imali eninzi.

irhafu yesivumelwano ibalwa ngolu hlobo lulandelayo:

• irhafu yengeniso unganikezelwanga (nangona kwezinye iimeko, umba impikiswano);
• irhafu yengeniso Personal (kwimeko bakungxolisela nomntu zendalo) uzimisele ngenxa yokuba iingenelo mboleki kusetyenziso-mali, ngaphandle inzala;
• iminikelo sots.fondy ayidweliswanga njengoko intlawulo ayikho tye.

Ukuba mboleko inzala-free umnyibilikisi ayikho phantsi kolawulo ekhethekileyo, ubunzima ekubhaliseni, njengoko umthetho, asivelanga. Kuphela xa kuthe kunikezelo iza kwenziwa rhoqo imali elilingana kunye nelidlula ama-600 000, imiba ezongeziweyo ezinokuvela.

Mboleko bezisoloko eqhelekileyo zombini ekuphumezeni imisebenzi, ngokunjalo phakathi kwabantu. Okubangel 'umdla kukuba, ngokoluvo irhafu kunye nenzululwazi yomthetho amaxabiso kufuneka ukuba ziqwalaselwe ukuze ukunciphisa imingcipheko zabo ubuncinane.

Ingaba isivumelwano on ezamahala phakathi umseki, umbutho, abantu, ngokunjalo kubantu ngokwasemzimbeni kunye zomthetho ezenziwa ngumntu ngokusemthethweni.

Kwenziwe imvumelwano phakathi kwabantu

Abantu usenokugqiba omnye nomnye mboleko njengenzala, kwaye isiseko umdla-free. Noko ke, kusenokwenzeka ukuba ngaphezulu amaxesha 50 nemivuzo ephantsi. Kodwa kunikezelo nasiphi isixa izinto ezamkelekileyo.

Irhafu elula ibalwe apha. Kulo mzekelo, akukho inzala iya kuvunyelwa iimeko kuphela ezo nto ezinxulumene neshishini. Maxa wambi kuyimfuneko ukungqina ukuba amaqela akazange kufuneka afumane inzuzo borhwebo yingisela.

Kwenziwe imvumelwano phakathi amaqumrhu asemthethweni

Iinkampani Friendly kunokunceda omnye. Emva koko, kuba imiphumo yerhafu umbolekisi lungenzeki. Kodwa lo mbuzo moot ukuba mboleki.

Ngoko ke, ngenxa yeSiqendu 41 womGaqo Tax, abasemagunyeni irhafu bakholelwa ukuba ngenxa ye-mboleko kuvela ingeniso mboleki, njengoko igcina ngenzala. Ngoko ke, intengiselwano ithathwa inkonzo ukulwa.

Nangona kunjalo, i inkundla arbitral kunye nabasemagunyeni irhafu musa uyavuma. Kukholisa ukuba kubekho musani bakugqala inkonzo, ngoko akukho ingeniso, kwaye ke ngoko akukho nto ukuba abize irhafu kwingeniso. Ngoko ke, ukuba uhlolo kweembambano, ungenza ngokukhuselekileyo isicelo enkundleni ukuya ekunene.

Imvumelwano kwiqumrhu elisemthethweni umntu wemvelo

Ukuba inkampani leyo yimpumelelo, oko kakhulu kwisimo ukunceda umsebenzi yakho ebalulekileyo, waba nemeko enzima. Emva koko ke uya kukhutshwa mboleko inzala-free ukusuka nguyise. Emva kokufumana imali-mboleko umntu kufuneka ukuba uhlawule irhafu yengeniso, imali leyo kwiikota ezintathu izinga mboleko.

Ukuba obolekayo umqeshwa, intlawulo yerhafu kunokuba ngenxa ukubamba isixa esithile kumvuzo. Kwenye imeko, ingxelo ingenisa amaxwebhu irhafu. Ke umboleki uhlawula irhafu ngokuzimeleyo. Lo mgaqo kunokuba ube ngaphandle. Ngoko ke, ukuba ezi nkqubo zisetyenziswa ukuthenga izindlu, i-credit kwerhafu zingafumaneka. Emva koko uhlawule irhafu yengeniso akuyi kuba yimfuneko.

Ukusuka umntu wabucala

Kusenokuba ingakhutshwa kuphela mboleko contract-free ukusuka umsunguli - iqumrhu elisemthethweni. Ngamanye amaxesha imibutho ngokwabo babuyelayo kuyo ukuyifumana ku umntu labucala. Ngoko ke musa ukuba uhlawule inzala yebhanki. Umntu ucinga ukuba esi sivumelwano semali-mboleko inzala-free phakathi ngumseki kunye mbutho nje eziguquguqukayo imali. Noko ke, akunjalo.

Umboleki akayi kuthwala umthwalo werhafu. Kodwa umsunguli unako ukufumana inzuzo engafanelekanga. Ukuze iimeko zemarike ukunika mboleko ngaphandle kwenzala - imeko Nedlac.

Noko ke, irhafu kuya kufunwa yi-nye obolekayo nobolekwayo ngokuhlawula irhafu yengeniso. Emva koko, njengoko umlinganiselo wenzala iya kubalwa izinga mboleko.

Ikhontrakthi-free mboleko evela umsunguli

I-mboleko ukuze kukhutshwa kwixesha elifutshane elide. Kunye lakhe kufuneka athathe ingqalelo bokuqonda ezahlukeneyo. Imiqobo ukuba isivumelwano ngaphandle uhlawule mdla. Nakuba kunjalo, ukuba oko kumiselwe isivumelwano, ngoko ngokungagqibekanga siya kuqwalaselwa ukuba imbuyekezo, inzala iya kuhlawuliswa kuyo.

Indlela ukuba umxholo, ngokunjalo ngendlela ethile, akukho sivumelwano. Kodwa ukuba data zilandelayo kufuneka zibhalwe:

• wakhupha imali;
• umhla lokuvuthwa ngqo;
• ebonisa ukuba akukho nzala akayi kuhlawuliswa;
• Inkqubo yokukhupha kokubuya umsunguli;
• iinkcukacha enye kunye nenye;
• nokuba le mali idluliselwa ngekheshi okanye ngenye indlela;
• izohlwayo ukuhlawula kade;
• indlela zokusonjululwa kweembambano;
• kwezinye iimeko ezahlukeneyo.

mboleko inzala-free evela umnyibilikisi, kunye isiqwengana isampuli leyo kungabonwa ngezantsi, senziwe iikopi ezimbini iqela ngalinye. Xa uthumela imali umboleki ubhala irisithi ukuba imali, kufuneka zibonise isixa, umhla eyayikhutshwe ngawo kwaye iinkcukacha amaqela kwisivumelwano.

Yonke imiqathango kunye neemeko abhalwa kolu xwebhu, ayikwazi ukuziphikisa umthetho okhoyo. Bhalisa kwi izivumelwano akufuneki. Kodwa ukuba omnye wabo okanye umnqweno zombini, ungakwenza oko, nathi. Noko ke, ngokutsho iisiginitsha umthetho amaqela lwanele.

EziQhelekileyo kwisi isivumelwano ke neshedyuli zokubuyisa. Kwakhona ukuze abonise kunye nezinye izinto ezibalulekileyo.

Iinkcukacha umqeshi ukuba ungenwe

Ukususela omnye amaqela - iqumrhu elisemthethweni, ngendlela eqhelekileyo ukunika abaqeshwa abafumani mboleko inzala-free umnyibilikisi. Imiphumela kangangokuba iba CEO kule mvumelwano, kunye ummeli nombolekisi kunye obolekayo. Phantsi umthetho, ekungavumelekileyo. Ngoko ke, ukuze ube nokuphuma kweso meko, ukuba enze isigqibo eyahlukileyo wabaseki yenkampani. Emva kwesi sivumelwano esisayinwe ngomnye wabaseki igama lombutho. Isigqibo ukunika mboleko kufuneka zibhalwe ngokwahlukeneyo.

Contents mboleko

Ukuze isivumelwano ilungu labasebenzi kwanele ukunika yokundwendwela okanye olunye uxwebhu abaqinisekisa yesazisi sakhe. Isivumelwano ikhankanya i data kunye nolu xwebhu. Ubungqina bengeniso yephepha owodwa kuyimfuneko, njengoko umqeshi, le nkcazelo ifumaneka kakade. Kwangaxeshanye, lo mntu ububoleke kufuna kunye namanye amaxwebhu yingisela.

Komqeshi ukubonelela nawaphi na amaxwebhu akukho mfuneko. Kwiimeko ezininzi, oko osayina CEO okanye elinye igosa eligunyazisiweyo ukuba enze egameni le esemthethweni.

Ngokwendalo, isivumelwano kufuneka ube ubhalwe phantsi kunye indlela efanelekileyo, okanye ukubonisa isigqibo wakhe kwakuya kuba nzima, ngathi umsebenzi accounting, uhlawule irhafu xa kuyimfuneko. oomatshini bokukhupha imali alisetyenziswa kunikezelo, ngaphantsi kwemali mboleko. ofisi itikiti kuba oko kakhulu ngokwaneleyo.

Nantso uxwebhu kufuneka sikhatshwe yi-mboleko inzala-free evela umsunguli leyo. isivumelwano Sample iquka izinto ezibalulekileyo ekufuneka ziboniswe.

isiphelo

Ezi mboleko ingakhutshwa ngaphandle kwenzala. Iyafuna oqhube umsunguli unako ukuxolela-mboleko. Koko uyabulawa isivumelwano eyahlukileyo ityala ukuxolela.

Phambi kokuba zoba mboleko inzala-free ukusuka umnyibilikisi, iziphumo irhafu kunye namathuba okuba ngenene ukulawula ingakumbi amagunya karhulumente kufuneka kuvelelwe nezinye iinkalo ezizakuxhasa. Ukuba amaxwebhu yonke into ingendlela, sokusebenzisana ngamaxesha okulungileyo, yaye icala ofumana uncedo, kwaye loo nto ifuna ukuba.