Nikela ngezimali

ishishini credit umnikelo notorious

Ngokutsho h. 1 tbsp. 435 CC RF isithembiso ebhalelwe umntu omnye okanye ngaphezulu ngqo isicelo sokuba ecacile ngokwaneleyo kwaye ibonisa injongo umntu owenza isindululo ukuba langena kwimvumelwano kunye uthunyelwe ezi, oya uvume.

Ukunikezwa zifanele zibe nayo yonke imiqathango efunekayo yesivumelwano.

Inikela iilinki ilungelo ubuso bakhe ukususela ekudalweni zokufumana yayo yi lowo uthunyelwe.

Ngokutsho h. 1 tbsp. 438 of the Code Civil uyakuqonda ukwamkelwa iimpendulo umntu ukuba simemo kuqwalaselwa kwi ulwamkelo lwayo. Ngako h. 3 tbsp. 438 ze-Civil Code umntu ofumene umnikelo ngeli xesha limiswe ngenxa ulwamkelo lwayo, inyathelo ukuphumeza ezi iimeko yakhe contract (iinkonzo, isebenza kunye nokuhlawulwa kwemali ahambelanayo, njl) uthathwa ukuba abe ukwamkeleka, ngaphandle kokuba kubonelelwe ngenye indlela ngumthetho, nezinye izinto zomthetho, okanye ebonakalisiweyo kwisibonelelo.

Ngoko ke, umthetho ubonelela inkqubo olulula le nokugqitywa kweemvumelwano - by ukwamkela-NMMU.

Le nkqubo isebenzayo kwakhona kwicandelo logcino iinkonzo.

Njengoko yokusebenza ibonisa, Banks badla ngokusebenzisa le fomu kwi ukuqukumbela izivumelwano mboleko. Kwaye le fomu kwiimeko ezininzi ezisetyenziswayo ukukhupha nenkonzo amakhadi ngetyala.

Ingaba kukho imiba yezivumelwano yi ngokwamkela kweethenda yokubolekisa? Zeziphi iimeko eziyimfuneko ekufuneka ilandelwe ukwenzela ukuqaphela isivumelwano kuso?

Yintoni i-Bank uphazamisa amalungelo oluntu yoluntu? Yintoni na ukungqubana ekunene ukuya ingqwalasela kulo mba?

Kuba credit cards ibhanki umthengi (umboleki) ithatha uxwebhu lwebhanki ukuba imnike ikhadi lebhanki. Le fom yesicelo, ifom yesicelo (kwimigangatho eyahlukeneyo, olu xwebhu unalo igama elahlukileyo) zithathwa ukuba anikele.

Eneneni, le ngxelo nga kuthathwa isithembiso.

Ngako h. 1 tbsp. 435 CC RF umnikelo kufuneka nayo yonke imiqathango efunekayo yesivumelwano. amagama Essential ngokwesivumelwano semali-mboleko eziqulathwe kwi Art. 30 lomThetho Federal "On Ibhanki Banking Umsebenzi".

Xa sijonga eli xwebhu (kwingxelo umboleki), siyabona ukuba xwebhu iqulathe, kwaye imali-mboleko, kwaye igama elithi mboleko kunye nezinga lenzala kwimali-mboleko, kwaye uhlobo lobudlelane, yaye iquka iinkcukacha zombini mboleki kunye obolekayo. Eziqulathwe simemo kwakhona luxanduva amaqela kuthe emiselweyo.

Ngenxa yoko, esekwe ngokusemthethweni kwaye kubonakele ukuba esi iprofayile isicelo okanye uxwebhu wabapha umboleki ukuze unike mboleko ebhankini nga kuthathwa isithembiso ngokwemigaqo kwiiyure. 1 tbsp. 435 of the Code Civil.

Yintoni equlethwe oluza umboleki iphula amalungelo wabantu babantu? Kutheni iibhanki ukuyisebenzisa kulo fomu kwi kokugqitywa isivumelwano sentengo senkonzo ngecredit card.

Ukujongana nalo mba Kuyimfuneko ukuba ilungiswe nokuhlalutya ukuthembisa lo mboleki.

Cinga oluza mboleki Cjsc Bank "Russian Standard".

Ukunikezwa lowu ukuba umboleki uyakuqonda ingxelo bakhe iyanikela kwaye acele Bank ukugqibezela nalo isivumelwano engumxube, iziqalelo iyile:

1. Vula akhawunti yangoku yakhe yebhanki;

2. Release igama lakhe ikhadi lebhanki;

3 Kwaye hayi iikhredithi amabango antsonkothileyo ukuba i-akhawunti yebhanki evulekileyo ngokomyalelo Art. 850 of the Code Civil.

Siqwalasela ezi zindululo ngokweenkcukacha.

1. Ukuvulwa yebhanki akhawunti yangoku.

Ngokuhambelana ne Art. 845 of Civil Code of isivumelwano-akhawunti yebhanki ibhanki uyavuma ukwamkela udumo akhawunti avulwa ngumxhasi (ngumnini-akhawunti), i-mali athobele imithetho transfer client kunye nokukhutshwa izixa ezahlukeneyo ukusuka akhawunti nokuqhuba neminye imicimbi kwi-akhawunti.

Ngako h. 2 tbsp. 846 of the yebhanki Civil Code inyanzelekile ukuba aqukumbele isivumelwano-akhawunti yebhanki client, wenza isindululo ukuvula i-akhawunti yebhanki isaziso ukuvulwa akhawunti olu hlobo iimeko bazifezekisayo iimfuneko ezimiselweyo ezicaciswe ngumthetho naqiniswa ngokungqinelana nemithetho zebhanki.

Ngoko ke, lo mthetho osinika uluvo lokuba xa umboleki lifumana isithembiso kwi Bank ukugqibezela naye isivumelwano-akhawunti yebhanki, ngoko iBhanki linyanzelekile ukuba aqukumbele isivumelwano-akhawunti yebhanki umxhasi, nibuyele kuye isiphakamiso esinjalo. Ngoko ke, kucacile ukuba kule meko umbuzo ayikho malunga iimeko jikelele ukuba basayine imvumelwano phakathi kwentsingiselo Amanqaku 435, h. 3438 ye-Code Civil, kwaye umbuzo nowokupheliswa mandatory yesivumelwano

ukuze olugunyazisiweyo basayine imvumelwano ngokufaka uthenjiswa silawula Art. 445 of the Code Civil.

Ngokutsho h. 1 tbsp. 445 of the Code Civil, kwiimeko apho, ngokungqinelana ne-Code Civil okanye eminye imithetho iqela, nto leyo efuna ukuba isinikezelo (imvumelwano idrafti), isivumelwano isiphelo, ngokuyimfuneko, elo qela uya kukunika elinye isaziso iqela ukwamkeleka okanye ukwaliwa ukwamkeleka okanye ukwamkeleka lwesithembiso kwezinye iimeko (protocol of ukungavisisani kwisivumelwano idrafti) zingaphelanga iintsuku ezingamashumi amathathu emva komhla wokufunyanwa sipho.

Le yenye iimeko ezizodwa umthetho. A Eyonanto ibalulekileyo kule meko ilawulwa yi ngolawulo lomthetho (Art. 445 we-Code Civil), ngoko ke imithetho jikelele yomthetho (Art. 3 ka-Art. 438 we-Code Civil) ayakusebenza kangangoko awachasani nemigangatho abucala.

Ngoko, kwenzeka ukuba ngaphakathi kweentsuku ezingama-30 zekhalenda yeBhanki linyanzelekile ukuthumela ngumthengi isaziso yokwamkela esibhaliweyo, ebonisa inani-akhawunti yebhanki umxhasi (kwimeko xa Bank wavuma umxhasi-obolekayo).

Noko ke, iibhanki nangona yalo ulawulo umthetho wobukhaya engaphenduli yazise abathengi malunga nenani-akhawunti, phezu ukwamkelwa kwabo, nolwamkelo ziya kuqwalaselwa ekwenzeni ezo zenzo, leyo axeliwe kwisibonelelo, ezizezi Ukuyivula-akhawunti yebhanki. Ukongeza, amakhadi ngokwabo ukuba abathengi ngeposi nje ileta kwaye emva kweenyanga 3-6, ubuncinane.

2. Ukuze ukukhulula igama ikhadi lebhanki yomboleki.

Le nto ngokubanzi - into elungileyo kakhulu sesichengeni ngenxa yezi zizathu zilandelayo.

Ebhekisela kwakhona - asikaboni JSC Bank "Russian Standard". Kuye ke Terms Bank kunye neenkonzo ikhadi yebhanki. Apha, ngeliso lenyama ukubona ukuba nkqu kwisihloko xwebhu, ngokunjalo ukuba uthethe ngayo kwaye uthethe idini obolekayo, nguye igama ikhadi lebhanki.

Na, oluhlobo luni na eli ikhadi? Ngapha koko, credit cards ziza ngeendlela ezininzi - ezifunyanwayo, ityala, yemivuzo, isaphulelo, njl Ukongeza, emva umxholo woyibingelela Cjsc Bank "Russian Standard" Bank of umboleki ucela ukuba awenze nayo isivumelwano ezahlukeneyo emephini. ISivumelwano kwimephu - kungekho ingcaciso ngohlobo eli khadi. Sele iSivumelwano kwesihloko, itayitile General Conditions of ikhadi lebhanki kukwaphula umthetho, ngokuba umxholo maxwebhu akunakwenzeka ukuba ukujonga uhlobo lobudlelane yezomthetho kunye Bank.

Ukunikezwa lowu obolekayo ngokupheleleyo bayavumelana ukufunda yaye uyavuma ukuthobela neMigaqo neMiqathango, isicwangciso yoLuhlu. Noko ke, kuchasene intsingiselo data slovochetaniya h. 1 tbsp. 435 of the Code Civil, ekubeni oluza kufuneka siqulathe imiqathango eyimfuneko imvumelwano, kunokuba imiqathango efunekayo imvumelwano kufuneka iqhotyoshelwe esi simemo. Ukongeza, kwisibonelelo alukhankanywanga - yintoni kanye Terms of amakhadi ebhanki ufunde umboleki, ngowuphi umhla, loo nto amanyathelo kunye nexesha lokuba semthethweni ezi kwiphepha leMimiselo Jikelele nemiqathango. Uhlalutyo mkhuba lubonisa ukuba xa iBhanki istrebuesh la maxwebhu (imiQathango Jikelele, isicwangciso weRhafu) kukuthi, kwiimeko ezininzi, ukuba ezi iimeko jikelele, isicwangciso lwamaxabiso i angafanele umsayino umthengi.

Ukuhlalutya imeko yangoku, umbuzo kuvela enkundleni - kodwa eminye imiqathango kunye nesicwangciso umrhumo amagqabantshintshi umboleki? Ukunikezwa ayithethi kuthi, xa kanye nemiqathango obolekayo akukho utyikityo. Kodwa iinkundla ngenxa yokoyika kusenokwenzeka nokucinywa izigqibo kwiinkundla eziphezulu ngoyaba le mfuneko yomthetho, anike umthengi isinikezelo (umboleki) semthethweni.

Noko ke, njengoko kubonakala ukusuka phezulu, imiQathango Jikelele okanye isicwangciso lweerhafu asityikitywanga ngumxhasi, la maxwebhu akazange ukuthwala umhla wokwamkelwa babo, amukela. Njengoko imithetho nomthetho uxwebhu ayide ikwazi ingqalelo ubungqina, kuba akukho ziqulathe iimfuno ezisisiseko ukuba ebekwe ngumthetho ukuba obo bungqina.

3. rhiye ukuvula i-akhawunti yebhanki kwi ngokomyalelo Art. 851 of the Code Civil

Ngokuhambelana ne Art. 850 of the Code Civil kwiimeko apho, ngokungqinelana ne yesivumelwano-akhawunti yebhanki, ibhanki wenza iintlawulo kwi-akhawunti, nangona isilela imali (akhawunti ikhredithi), ibhanki uthathwa ukuba ukunika umxumi ngetyala le mali efanelekileyo ukususela kumhla loo ntlawulo.

Nantsi impendulo kuyo yonke le mibuzo. Ukukhutshwa amakhadi okuthenga ephetha iSivumelwano obolekayo kwi-Card, i-Bank usebenzisa imeko eyahlukileyo ngokupheleleyo ngaphezu imeko isivumelwano semali-mboleko.

Enyanisweni, akukho isivumelwano semali-mboleko. Kukho isivumelwano-akhawunti yebhanki kwaye bafake akhawunti.

Iliso lenyama kubonakala kwangoko ukuba element iphambili yale bedidekile mvumelwano ikhadi kwesibophelelo-akhawunti yebhanki.

Ngoko ke, phakathi intsingiselo yomthetho licaca kwaye kucacile ukuba umboleki Akukhathaliseki, iBhanki wafumana isithembiso nokuzamkela yenziwe, ie, izenzo ezithile kwisibonelelo. UMboleki Akukhathaliseki xa akhawunti livulekile, xa idluliselwe imali kwi-akhawunti yakhe. obolekayo Main isaziso esibhaliweyo ngokungqinelana neSiqendu 445 we-Code Civil.

Nangona kunjalo, iBhanki akuthethi ukuthumela isaziso. Yintoni, ke, kufuneka yenziwe?

Ngelishwa, le nto kukho eninzi ingxoxo, kukho izimvo ezahlukeneyo apho. Umthetho na ukunika nayiphi na uxanduva into yokuba i-Bank uye waphoswa osikiweyo ukuba isaziso esibhaliweyo ukuba umboleki inani akhawunti. ie Banks, ngaphandle kokwazisa umxhasi xa osikiweyo zomthetho ngenxa, akayi kuba noxanduva, kunye neenkundla eme ecaleni egcina imali, kodwa njengoko unako kubonakala ukusuka uhlalutyo le migaqo - isivumelwano eso ayingqinelani ngokomyalelo nowokupheliswa iimvumelwano ayikwazi kwaziwa ukuba ibanjwa ngokubhaliweyo.

Oku kungqinwa kuphela ileta ulwazi RF evela 05.05.1997, № 14 "Review nokusonjululwa kweembambano enxulumene kwisigqibo, ukulungiswa kunye nokupheliswa kwezivumelwano." Ngokwale ncwadi lwazi, i-Federal Antimonopoly Service of the Russian Federation wathi, Ukuba isaziso sokwamkela (inombolo akhawunti kwimeko yethu) ayifumanekanga ngexesha - nefuthe oluza null and sivumelwano ize loo akujongwa ukuba agqitywe.

Le mbono ithetha imimiselo yomthetho yoluntu kunye nezithethe zoshishino.

Kodwa newsletter SAC ayikwazi ingabalelwa ulawulo umthetho nomyalelo, ulawulo lomthetho, ie, umthetho - hayi olawula lo mba.

Le imbambano ephambili umthetho kulo mcimbi.

Noko ke, waphendula umbuzo wokuba yintoni na isivumelwano semali-mboleko, kodwa kukho akhawunti zebhanki bafake imali.

Iibhanki uzibambileyo zikhundla zilandelayo kwiinkundla. Bathi ukuba ikhadi weza ngeposi kuwe, uze ubize ebhankini, iyasebenza oko, Ayithabatha ke imali leyo, imali esetyenziswayo. Indlela ukunika imali, ngoko xa kukho naziphi - iimeko etsomo. Iibhanki athathe isikhundla ukusebenzisa ikhadi, nokuba emva kokuba uqalile okanye ipoti ye-khadi, kodwa ngaphambi kokuba ukurhoxa imali evela ATM - singabalelwa mdla.

Noko ke, le isichaso Banks ezinxamnye amanqaku kweKhowudi Civil.

Makhe sihlolisise ngokweenkcukacha.

Njengoko sele kukhankanyiwe, ngokutsho ikhontrakthi-akhawunti yebhanki, ibhanki uyavuma ukwamkela credit akhawunti avulwa ngumxhasi (ngumnini-akhawunti), i-mali athobele imithetho transfer client kunye nokukhutshwa izixa ezahlukeneyo ukusuka akhawunti nokuqhuba neminye imicimbi kwi-akhawunti.

Ngoko, xa iBhanki udluliselo imali yayo ikhadi ye client (-akhawunti yakhe yebhanki), kukholelwa ukuba imali enikiweyo. Yaye phantsi ezinjalo kweemeko ikhadi vuliwe - kuba nantsingiselo konke konke. Ibhanki wavuma le zabathengi, wavula i-akhawunti yebhanki kunye ikhadi libotshelelwe ukuvula i-akhawunti yebhanki credit card, zigqithiselwe ikhadi lebhanki yebhanki (umz-akhawunti yebhanki), imali (okt rhiye-akhawunti yebhanki). . Ngokutsho iyanikela, Inqaku 438 Icandelo 3 Code Civil, ekubhekiswe kuyo yi-Bank - iSivumelwano kwi mephu sele zisayiniwe, yaye ngaloo ndlela sele zisebenza onke amanqaku ayo (umyinge wenzala, izohlwayo, izohlwayo). Kutheni kwiimeko ezinjalo kufuneka ukuba kusebenze khadi, nento inikeza? Ukuze le mibuzo akukho iimpendulo okwangoku.

Noko ke, kwenzeka ntoni elandelayo, emva kokuba onke amanyathelo ukuba Bank, ngokutsho ukuba banikele yomboleki. Kwaye ngoko ke ikhadi lebhanki ifika kule imeyile ngeleta zesiqhelo.

kwenzeka ntoni?

Ngokutsho komthetho Russian yangoku ngayo zikholelwa ukuba bonke abemi kwabawaziyo umthetho. Ukungazi umthetho akukho sizathu. Ngoko ke, makhe sicinge ukuba wonke umntu uyayazi lo mthetho. Ngoko, ngokusengqiqweni, oku kulandelayo kwenzeka. Umboleki ufumana ikhadi lebhanki kunye bukletik - ukusebenzisa indlela eli khadi (imiyalelo). Ikhadi ayitsho ukuba a ngetyala. Xa bukletik eboniswe na ukusetyenziswa-ATM, ngokuba wakhutshwa elide kangakanani na, ukuba uyenze ukuba ATM "waphilisa" ikhadi, ukufumana indlela PIN - ikhowudi, njl Amagama malunga lamatyala ayikho kwaphela.

Ngoko ke, lo mboleki uyazi ukuba wenza isithembiso ukuya kokugqitywa imaphu, kodwa isaziso esibhaliweyo inombolo akhawunti zange afumane. Ngenxa yoko, lo mboleki uyakholelwa ukuba sithembiso bechithe isivumelwano kuphothulwe. Kwaye eli khadi ngeposi umboleki ukumimitheka ngokubhekisele nokubonelela weBhanki kuyo phezu sigqityiwe isivumelwano mboleko inzala-free.

Kutheni? Ngenxa yokuba isithembiso kufuneka iqulathe yonke imiqathango efunekayo yesivumelwano. In bukletik - yesondlo imiyalelo - okanye malunga umyinge wenzala okanye ubomi-mboleko okanye intlawulo yenyanga ayitsho lizwi. Ngoko - nokuba imali-mboleko inzala-free.

Ukongeza, ikhadi lebhanki weza ngeposi emva kweenyanga 3-6 yokuhlawula yi umboleki ukuba athathe imali abathengi (Izixhobo mboleko). Ke umboleki wafumana ikhadi ngeposi, ekubeni yesazela uzalisekisa izibophelelo zalo likubona ikhadi njengekhadi umthengi ethembekileyo. Kwiimeko ezinjalo, aze athathe mboleko ngaphandle kwenzala.

Kwakhona - kwakhona, ngokutsalela Bank, kwaye isebenze eli khadi (okt benze kukwamkelwa). Ngoko ke, lo mboleki kufuneka uhlawule inqununu kunye Kuya kuthathwa sizaliseke.

Ngoko ke, isithembiso sokuqala mboleki akazi nto ukuthumela ngeposi ikhadi lebhanki.

Oku ulawulo ezilahlekisayo njengoko ngokweempawu kunye nomgangatho weenkonzo ibhanki yakhe.

Xa ndiphetha ofuna ukuyithetha.

Kubalulekile ukuqwalasela kwakhona ukuba kubananisi ngexesha lakalokunje engasekho athunyelwe Ikhadi lokuposa. Ukuba amakhadi ezinjalo angawugqithi amalungelo abathengi - ziye beebhanki ukuba i inzuzo elungileyo emsebenzini wakhe? Impendulo kule mibuzo, ndiyacinga, wena Ibeke ngokwakho.