Isibambiso - is ... Uhlobo lo wammela. yesivumelwano isiqinisekiso

Inani elikhulu zentengiselwano impahla zifuna isiqinisekiso yokusebenza. Kunokuba isibambiso, isiqinisekiso, umonakalo uyathinjwa kunye nezinye iintlobo zenkxaso enikwa yi-mthetho. Iindlela ngasentla luphawulwa iqondo sesichengeni, iindlela ekufezekiseni le njongo.

definition

Isibambiso - indlela enye ukuqinisekisa ukuba izibophelelo onetyala wakhe waba ngummeli wowona ulungileyo. Isetyenziswa ukunciphisa amathuba okuba ukunganeliseki otyalwayo. Iziqiniseko kanye iziqinisekiso ezenziwa isivumelwano, apho iqela lesithathu uthatha isibophelelo ukuphendula otyalwayo ngenxa yokusebenza izibophelelo mboleki (Art. 361 we-Code Civil). Le ndlela yokulinganisa lisetyenziswa xa kuthe njengolwaphulo onetyala esivumelwano. liability lesixa ingalungelelaniswa loxwebhu olufanayo. Phambi kokwenza utshintsho Code Civil wagqiba izivumelwano ukuba ngesiqinisekiso obekwe kwi izibophelelo elizayo. Le Mboniselo kwabangela okuninzi lweempikiswano. Ngoku, le isetyenziswa kuphela xa isivumelwano ichazwe ngokucacileyo isixa, apho waba ngummeli wowona ulungileyo uya kuluthwala olo xanduva.

amabango Banks 'kwi guarantors

Iimfuneko ezingundoqo ilula:

• yobudala: ubuncinane iminyaka 21-23, ekupheleni kwexesha lesivumelwano umntu kufuneka ukufika iminyaka 55-60;
• abhaliswe ngokusisigxina kummandla liqhube mboleko;
• ingeniso ezinzileyo kwiinyanga ezi-6 ezidlulileyo;
• ukukwazi ukuhlawula (kubalwa ngokususela intlawulo efunekayo, kuthathelwa ingqalelo ubungakanani intlawulo yenyanga ebhankini) - kufuneka ingadluli-30% ye-siqinisekiso yengeniso.

Ngokufuthi indima guarantors zezona izalamane nezihlobo. Kodwa ezinye iibhanki, ngenxa yokoyika ubuqhophololo, ngaphandle kokuba ithuba enjalo iimeko zemboleko. Xa kufikwa nokubonelelwa kweziqinisekiso ngemimiselo iqumrhu elisemthethweni, ngoko guarantors kusenokuba amanye amashishini. Kodwa le ndima akakwazi ibango imibutho engekho phantsi korhulumente kunye neearhente zikarhulumente.

yesivumelwano isiqinisekiso

Iimfuno icaciswe kwi-Code Civil awuvumeli ukuba ukugqiba isivumelwano phakathi onetyala kunye waba ngummeli wowona ulungileyo. Amaqela umbolekisi kunye waba ngummeli wowona ulungileyo. Le mvumelwano yenye-macala, ngokuvumelana. It yenza isibophelelo eyongezelelweyo into. Zisa le liability wowona kunokwenzeka kuphela xa emiselweyo yi onetyala esivumelwano. imbopheleleko kwi na wihi eliqingqiweyo primary, nokuba uxwebhu angafanele umhla ngqo. isabelo sakhe ukuze umva isivumelwano isiqinisekiso (Art. 384 we-Code Civil).

Umxholo isivumelwano:

• igama umbolekisi;
• igama waba ngummeli wowona ulungileyo;
• umthamo izibophelelo;
• igama mboleki.

izithintelo

Nangona CC ungamiselwanga isangqa labantu abe nokuqinisekisa, umkhuba arbitration lubonise ukuba kwezinye iimeko, isivumelwano ingarhoxiswa. Oko kuhle, kwamkelekile ukuba waba ngummeli wowona ulungileyo zezi:

• amashishini karhulumente, ezisebenzisa imali iinjongo ezithile somqulu;
• amasebe, zabaphathiswa, amabhunga oomasipala.

isivumelwano isiqinisekiso wabulawa ngembalelwano kwaye kufuneka isayinwe umboleki, umbolekisi kunye waba ngummeli wowona ulungileyo.

nabutyala amaqela

Umsebenzi waba ngummeli wowona ulungileyo, ekuqaleni, kulula. Uya kuba noxanduva lokuhlawula imali-mboleko, ukuba Mhlawuli uyasilela ukuzalisekisa iimfanelo zakhe. Ilungelo ibhanki ukuba kufunwe imali kwi waba ngummeli wowona ulungileyo echazwe Art. 363 of the Code Civil.

ubutyala Joint yaye emininzi kuthetha ukuba waba ngummeli wowona ulungileyo kwaye unetyala unoxanduva kuba iimfanelo ngokulinganayo. Loo nto enganeliswa kunye iqela nje elinye ibango. ubutyala olugunyazisiweyo kuthetha ukuba iimfuno wammela isebenza kuphela ukuba onetyala akukho asethi. Loo ngobuwena sifaneleke ngakumbi ukuba guarantors. Umbolekisi iya kuqala kufuneka ukuba uthathe ixesha ukubonisa ukuba xa umntu umboleki. Ukuba ke uqala ukuzimela, ke bekuya kuba kwakungenzeki kwaphela. Ke ngoko, ukuba enze nayiphi na amabango ebhankini wowona akakwazi. Ngoko ke, eli cebo lisetyenziswa kunqabile kakhulu.

Olu xwebhu kufuneka kuchazwe ngokucacileyo ukuba uhlobo zelahleko mababuyekezwe waba ngummeli wowona ulungileyo;

• yetyala;
• umdla kusho ukusetyenziswa;
• hlawula;
• iindleko zomthetho.

Ukuba siqinisekiso, isampuli apho bangesosigxina lincitshiswe umqeshwa elunxwemeni ngexesha isigqibo, ukuba iziko lamatyala, kungenzeka, kuya mayicaciswe gca ukuba ilahleko ezingogqunywanga nesohlwayo ziya ukulinganisa ngokuchasene waba ngummeli wowona ulungileyo. Kwezinye iimeko, yeyona ndlela isetyenziswa ngokuqhelekileyo scheme kwenxalenye imbuyekezo umonakalo, oko kukuthi, uhlawule kuphela yinqununu.

Enye ingongoma ebalulekileyo nesimele ukunikela ingqalelo: kuba waphula kwishedyuli intlawulo kwi umfanekiso umxhasi ngayo kwimbali credit "ezimbi". Kodwa kwimeko ngesiqinisekiso Blekhlista kunye obolekayo ufumana nakumqinisekisi. Isivumelwano ziya kungeniswa ingongoma, njengako apho data yalo idluliselwe kwiziko lamatyala. Ngoko ke, ukuba ubolekayo iphula imiqathango esivumelwano, oko ezonakalisa udumo bona ngokwabo kuphela, kodwa iziqinisekiso yayo. Kodwa loo nto bonke. Waba ngummeli wowona ulungileyo abakwazi ukuzoba mboleko encinane evela ebhankini, ngoxa wenza nokuqinisekisa.

ukusilela

Sinzima - ukuzibophelela ngomoya omnye. Ngokutsho Art. 364 of the Code Civil, waba ngummeli wowona ulungileyo basenokungavumi ukuba amabango afakwe, kodwa ngokwabo, ukuba ubanike phezulu, yena akanalo ilungelo. amabango koTyalwayo singathunyelwa ukuba ixesha aphazamiseke ukusetyenziswa kwemali, lo mboleki uza kufumana imali encinane. Ukunakana lungamkeleki njengezingekho-mthethweni kuphela kwiinkundla.

Emva kokuba ummeli yathi kuzo zonke neemfanelo onetyala, ufumana amaxwebhu, ngokusekelwe apho ukuze simise ibango kuchaswa. Ukuba xanduva wowona lizaliseke, uyaneliswa mboleki, yena uyakwazi ukubuyisa imali ebhankini (Art. 366 we-Code Civil).

Ukukhululwa ebutyaleni

Ingqinisekiso yokuba umntu eyeka ukuba:

• isibophelelo uthunyelwa;
• kule mvumelwano walungiswa ukwandisa ityala waba ngummeli wowona ulungileyo, apho bavuma kunye naye;
• amatyala uye wasiwa wesithathu, apho lo wammela akafuni ukuphendula;
• umbolekisi walile ukwenza neemfuno;
• umntu onetyala iye yafa;
• ixesha isiqinisekiso uphela. Kule mvumelwano ngexesha layo semthethweni ayikwazi kucaciswe. Ke iya kupheliswa kwisithuba seenyanga ezili-12 emva komhla ngokubulawa kwabo, ukuba ngeli xesha ibhanki ayikhange umangalela waba ngummeli wowona ulungileyo. Kusenokuba imeko eyahlukileyo. Ukwazi ukucwangcisa ixesha komsebenzi imbopheleleko inqununu, kwaye isivumelwano akuthethi ukuba uxele umhla ecacileyo. Ngoko ke isiqinisekiso lizakumiswa ekupheleni kweminyaka-2 ukusukela kumhla kokusayina isivumelwano, ukuba ngeli xesha akuyi kuya kuzo;
• isivumelwano semali-mboleko olungasebenziyo. Ngokutsho Art. 329 Code Civil, lo wammela unalo isimilo izibophelelo na isincedisi, oko kukuthi, loo ayisekho ngokwahlukileyo kumamkeli. Ukuba inkundla ifumanisa ukuba umboleki unetyala le nto ebhankini, ngoko waba ngummeli wowona ulungileyo ukwenza nayiphi na neemfuno akunakwenzeka.

Nathi kufuneka baxoxe umba ngokulandelelana. Ngokutsho utoliko weNkundla ePhakamileyo, indlalifa kufuneka abe noxanduva ngemimiselo waba ngummeli wowona ulungileyo oswelekileyo kwiziko lamatyala kuphela ixabiso lempahla ezifunyenwe. Ezinye le uyityalayo azinamandla. Ukuba indlalifa uyala ukuba angene yaso, namatyala womfi ayiyi kusebenza kuye.

iintlobo

isiqinisekiso Personal kwi mboleko iibhanki kunye nempahla. Umehluko omkhulu wazo kukuba Kwimeko yesibini, kwemvumelwano limisela mali ethile. Ngenxa yoko, ibhanki unako ukunika imali mboleko ngaphandle uhlalutyo yokuqala yokuhlawula amatyala lesigulane eso. Kodwa olu khetho amaninzi kusetyenziswa xa elikhupha iqumrhu Express mboleko. Kodwa ukuba mortgage eliny, okanye kufikwa ukuthenga imoto, umbolekisi uya bayitshekishe ngocoselelo imeko yemali waba ngummeli wowona ulungileyo. Lo wokugqibela ibe ngaphezu kwesinye. Amaninzi, kwesi sikhundla kukho izalamane okanye abahlobo ukuyicokisa mboleki.

Sinzima, izibambiso okanye iziqinisekiso kuya kufuneka ukuba imali encinane mboleko ukuba:

• umxhasi akanayo imali eyaneleyo yokuhlawula ityala;
• umboleki waba iingxaki malunga nokubuyiswa mali kwixesha elidlulileyo;
• ngumthengi sele izibophelelo ngetyala.

Sinzima - u "inshorensi" ye ibhanki umboleki embi. Ngoko ke, le ndawo unokubanga abantu kuphela kabani imali yanele ukuba agubungele inqununu kunye inzala kwimali-mboleko.

amalungelo sinzima

1. Phakamisa inkcaso nxamnye iimfuno ebhankini, ukuba waphula imiqathango yesivumelwano, umzekelo, izilungiso ngaphandle kwemvume waba ngummeli wowona ulungileyo.
2. Sithathe ilungelo lokubanga imbuyekezo evela mboleki lokuqala, ukuba ityala ubuyisele isibambiso. Olu sebenziso uyabulawa isivumelwano sabelo. I-Bank kunyanzelekile ukuba ukunika amaxwebhu ezingqina ukuba ityala seyibuyisiwe waba ngummeli wowona ulungileyo.
3. Imfuneko evela imali kwinqununu unetyala, kubandakanywa inzala, izohlwayo, iindleko enkundleni, kwakunye lembuyekezo yomonakalo yokuziphatha (Art. 365 we-Code Civil).

isiphelo

Isibambiso - indlela ukukhusela iimfanelo phantsi apho iqela lesithathu uyavuma ukubuya ezinye okanye zonke yetyala oyibolekileyo ukuba umboleki akayi kuba nako ukuyenza loo nto wena. Amaninzi, imfuneko yale nkonzo ivela xa sukuba usenza mortgage okanye imoto mboleko. Umntu owenza izinto nokuqinisekisa intengiselwano, ukuba sijongisise ngengqondo ephaphileyo kakhulu imeko yabo yemali. In unilaterally ukwala ukuzalisekisa izibophelelo ayisebenzi.