Obolekayo - kukuba ... Ukuvikela kubaboleki. Umboleki - Definition

Ukusebenza kwenkqubo zemali ehlabathini kunokwenzeka ngaphandle yindlela ebalulekileyo efana yokubolekisa hayi. Credit - ubuhlobo zohlobo zezoqoqosho ezithe phakathi izifundo izivumelwano zemali, kukunika yeyani ekubizwa (ebolekiweyo) ixabiso ukuphumeza iinjongo ezithile, phantsi komqathango wokuba intlawulo, intlawulo, nokuvuthwa.

inkqubo credit

Injongo yale nkqubo ngetyala le Ukuhlanganisa imali ekhoyo ukunika kubo ukusebenzisa ngentlawulo. Le nkqubo isakhiwo kwibhanki zorhwebo. owona msebenzi kweli sebe kuyilo-mboleko kunye needipozithi kunye needipozithi. Ukongeza neebhanki zorhwebo, abathathi-nxaxheba ebalulekileyo kwinkqubo credit zezi: yibhanki eyongameleyo, ngetyala ezizodwa kunye namaziko zemali. amazwe ezininzi inkqubo emithathu okanye emine level-credit: kwinqanaba lokuqala - i-Central Bank, ngomhla wesibini - iintlobo ezahlukeneyo ze iibhanki (imali, utyalo-mali, sokubambisa, commercial). Kwinqanaba lesithathu - non-bank credit kunye nemibutho zemali. Zichaza kwinqanaba lesine, eziquka imali inshorensi kunye pension, imibutho zemboleko kunye nabanye. ukusebenza kwenkqubo ezibonelelwa intsebenziswano phakathi nxaxheba lobudlelwane ngetyala.

Izifundo kobudlelwane credit

Izifundo ezi ubuhlobo umbolekisi kunye obolekayo. Relations phakathi kwabo zigqitywa imfuneko yokuba unikezelo imali mboleki kunye nobukho ayo, okona kubaluleke kakhulu, kwimveliso njengomboleki. Ngenxa yoko, umbolekisi - ke iqela elo unika mboleko (mboleko / mboleko). Obolekayo - ke iqela elo oza kunconywa (mboleko / mboleko) kwaye sijonge isibophelelo ukubuyisela mali waboleka ngendlela ngexesha.

Omnye nomntu omnye kwisikhokelo ubudlelwane zemali kunye yeentengo ngaxeshanye kuba zombini otyalwayo kwaye umboleki. Ukuchaza ukuba kule meko loo nto, umzekelo, umntu, eyenza i mboleko ebhankini isebenza umboleki, kulo mzekelo, ibhanki - njengoko nombolekisi. Ngelo xesha, phambi idipozithi kwi ebhankini etshintsha ubudlelwane iindawo nxaxheba. Nomntu - umbolekisi kwaye kweebhanki umboleki.

Injongo kobudlelwane credit

Ilungu engundoqo yobudlelwane phakathi obolekayo kunye umbolekisi na into transmission. Into ubudlelwane transfer ngetyala - ebolekwa, okanye ekuthiwa kungaqatshelwanga, ixabiso. Ngamanye amazwi, umboleki kufuneka imali ekhoyo, yena wazinza kongomisiweke eka kwayo. Ngenxa mboleko, kusenokwenzeka ukuba ukuqala umjikelo omtsha ukuqhubeka ukujikeleza kunye imali ngqo ejikeleza. Akwanelanga ukuba anike imali-mboleko umboleki phantsi kweemeko ezithile. Ukususela kulo mbono, lo mboleki - umntu othi, ngokufumana kunye nengeniso kwezixa phambili likuvumela ukuba oluphazanyiswa Finance wesekethe. Oku ibalekisa inkqubo yokuzala. It ukhuthaza isimilo mboleko i inkalo ebalulekileyo ngetyala nobudlelwane zemali.

Enye imeko kubalulekile ukuba umsebenzi kwiziko ngetyala kufuneka zibuyiswe kwaye ekulondolozweni amalungelo obunini otyalwa indlela ukuba zibonelelwe ukuze zisetyenziswe umboleki. Enye ziziqinisekiso intlawulo creditworthiness yomboleki.

Umgaqo angundoqo mboleko - ukulondoloza ixabiso layo

Ngokunika indlela ukusebenzisa umbolekisi, kubaluleke ubuncinane ukuba abagcine nendlela ukwandisa esiphezulu. Ukuzaliseka kwezi meko luphawu esisiseko ngetyala.

Enyanisweni, akusoloko kusenzeka ukuba ukuliphumeza ngokupheleleyo. Neengozi eziphambili ze-nxaxheba ngetyala kunye nobudlelwane mali, iinkqubo emali. Isiphumo imiphantsi ephuphumayo ejikeleza lawulo kukho intsalela yemali kwaye, ngenxa yoko, ukuncitshiswa yayo amandla okuthenga. Umboleki - umntu ithatha isibophelelo ukuyibuyisa le mali uyibolekiweyo. Kodwa imeko kwamaxabiso babuya ngemali eziinkozo, lo gama kugcinwe ubukhulu ngegama, unabo ifom esele utsenonnuyu. Noko ke, zikho nezinye iingozi ezininzi, phezu isiganeko uthabathe imali-mboleko leyo abakwazi ndokuhlawula ngokungqinelana nemiqathango yokubolekisa ngemali. Kwaye ke akusoloko nandzu ilele kuphela komntu onetyala. Idla lunyhasho lwamalungelo abo asemthethweni kukhokelela kwiziphumo ezilolo hlobo.

Ukukhusela umdla ngokwasemthethweni kubaboleki

Ekuqaleni, lo ngetyala-obolekayo - i buthathaka ukusuka kwindawo yomthetho Ngenxa iqela. Amaziko Financial ukunciphisa ifuthe yabathengi kwisiqulatho isivumelwano sentengo yemboleko, ngako oko kuthintele ukukwazi layo ukuphembelela ngokwemiqathango mboleko ngokosuku. Oku enyanzelisa ukuba basayine imvumelwano, ukuba kuFeliks ogwetyelweyo otyalwayo, kodwa ngaxeshanye, zinyhasha amalungelo umboleki. Le ukunyhashwa kakhulu rhoqo kwamalungelo lomntu othatha ebolekwayo:

• yokubala umyinge wenzala kwi-mboleko kwi onke umzimba mboleko (kunokuba intsalela yetyala);
• iimali-mboleko accrual;
• i accrual kwezohlwayo oko ayihambelani ubungakanani yetyala;
• kolawulo bebanga indawo phezu bank ngemali;
• kubaboleki inshorensi ibe ngumqathango semali-mboleko;
• ukufakwa kwi yesivumelwano eboleka ngokoMthetho yovavanyo sentlawulo yokugcina akhawunti mboleko kunye umba mboleko.

Federal uMthetho "On yomboleki yeentengo zemboleko (loans)"

NgoJulayi 1, 2014 kwi-Russian Federation, uMthetho № 353-FZ. injongo yakhe - bunjani ubudlelwane, leyo kuvela kwilungiselelo yomboleki yeentengo zemboleko (mboleko) umntu, ukuba imali ekhutshwe hayi iinjongo zoshishino.

Eyona injongo yomthetho - ngokubeka ukuze kwimarike kwabathengi ngetyala nokukhusela kubaboleki. Ngelishwa, kude kube ngoku, nkqu iibhanki esitalini igama eliphezulu bavumela ukuba ukusebenzisa abaxhasi nokubhala ngokusemthethweni. Swi ukukhusela yomthetho yequmrhu le-mthetho kubaboleki olawula ngokucacileyo kwezi ngongoma zilandelayo:

• komgangatho iintlobo nesivumelwano semboleko yekhredithi;
• uhlobo kwesithintelo ubungakanani nezohlwayo ethe xa kuthe intlawulo kwi-mboleko;
• kobudala iirhafu iimfesi ngemali;
• ukucaciswa indlela yokubala ngempumelelo umyinge wenzala;
• nokuqinisa ukulawula umsebenzi kumaziko microfinance;
• Regulation yeenkonzo yokuqokelela.

Izigidi zabantu abahlala abanamatyala

Ngokutsho manani, ukusuka kuma-60 ukuya kwi-90% yabemi zokusebenza kufuneka mboleko eseleyo. Ngelo xesha linye ukuthandwa-mboleko likhula chu. Abemi kwi daze ukugqiba isivumelwano sentengo yemboleko. Kunye neebhanki, ubuncinane ekuhloleni creditworthiness of umboleki, bakulungele ukunika mboleko. Ngamanye amaxesha kuba kwanele ukubonisa ipasipoti. Kwaba ebunqobeni ezifana nokuba nakho ubuxoki "ibhombu 'ukuba arhabaxa zombini umbolekisi nangenxa obolekayo. Ukuba umamkeli mboleko akanako ukuhlawula imali, ngoko ke yingxaki nje kuphela, kodwa nangenxa mali ukuhlawula imboleko. Kubalulekile ukuba ukuhlola imingcipheko kunye nokunyusa amazinga oxanduva lwabo ngokunesidima, amalungiselelo-mboleko kuphela 100% ukuthembela ebudaleni.