Ukunikezelwa (assignment) ngezimali

Ngolwabiwo ibango yi-Bank phantsi kwesivumelwano sentengo yemboleko kwiqela lesithathu ongenayo ilayisenisi ukubhankisha - umthetho nokuba izenzo ezinjalo i-Bank?

Ngamanye amazwi, kwimeko apho umboleki owenza kakuhle izibophelelo zalo phantsi iSivumelwano - nokuba ibhanki ekunene "ukuthengisa ityala" arhente yokuqokelela.

Kulo mba, kwakukho izinto eziliqela ngenxa bezenzululwazi. Kuyinto umthetho luyathandabuzeka ityala kulo mba.

Konke oku kwenza ukuba umbhali ukubhala eli nqaku.

Makhe sihlolisise kulo mbandela kwi isiseko somthetho sangoku.

Ziyinyaniso Ngokutsho Art. 382 of the Code Civil ilungelo (ibango), endingowakhe ogwetyelweyo otyalwayo ngokwesiseko kwizibophelelo zingadluliselwa komnye umntu intengiselwano (ukunikezelwa), okanye yiya komnye umntu ngenxa yomthetho.

Ukutshintshela kwenye umntu, amalungelo otyalwayo xa musa kufuna kwemvume onetyala, ngaphandle kokuba kubonelelwe ngenye indlela ngumthetho okanye isivumelwano.

Ngoko ke, ngaphandle kokuba umthetho okanye imvumelwano akuthethi ukubonelela kwiimeko ezizodwa sezandleni iimfuno imbopheleleko ukusuka mali omnye ukuya kwenye - imvume onetyala alufuneki nganto.

Ngokutsho Art. 388 ze-Civil Code isabelo ibango otyalwayo komnye umntu uvumelekile ukuba ayikho nxamnye nomthetho, ezinye izenzo zomthetho okanye imvumelwano.

Yaye ke inxenye yesibini yale nqaku othetha ukuphepha ngaphandle kwemvume onetyala imbopheleleko iimfuno sabelo, apho ungubani otyalwayo kubalulekile ukuba unetyala.

Ngoko ke, umthetho uthi malunga kwimeko ezizodwa apho kufuneka onetyala imvume yokwabiwa kwamalungelo ibango - oku ixabiso elibalulekileyo umbolekisi le unetyala.

Kule ndawo kubalulekile adunyiswe yebhanki sonetyala kucaciswe yi zinto zilandelayo.

1. A mvume lokuqhuba imisebenzi zebhanki.

Cinga mba kufuneka kuthathwe kunye, ukwenzela ukubhankisha - asiyiyo umsebenzi kuphela kuvulo akhawunti yebhanki mboleko kokukhupha. Oko kwaye neziphumo zokusebenza ngokungafanelekanga yezibophelelo phantsi isivumelwano, kukwayinto entle isohlwayo zeekhontrakthi zizinziswe.

umsebenzi Banking fanele ezifanele olo didi ishishini. Kwaye ke umphandi usemngciphekweni bakho. ie zonke iingozi ezinxulumene ne non-ekuhlawuleni imali-mboleko, ulele ngecala endodeni - Bank. Ngenxa yoko, isimaphambili se imisebenzi zebhanki yaye iquka imiba kwezivumelwano yokuqokelelwa kwamatyala.

Ukongeza, phambi mvume sicacisa ukuhambelana neemfuno ezithile mvume. -Ukungathobeli nezi mfuno iya kuqulatha Ukurhoxiswa kwelayisenisi okwexeshana de sokuchitha. idatha yokuhambelana License ilawulwa ngurhulumente, esebenzisa igunya layo oluntu - i-Central Bank of the Russian Federation.

Ngoko ke, kucacile ukuba umboleki xa ngokuqhagamshelana Bank ulindele ulawulo karhulumente phezu kwimisebenzi yeBhanki. Yaye umsebenzi ngokupheleleyo ebhankini, kubandakanywa ukufunyanwa kwakhona imisebenzi engahlawulwanga.

Kwi-arhente yokuqokelela akanalo ilayisensi yokuqhuba imisebenzi zebhanki, kuquka ukuqokelelwa kwetyala.

2. Ukuhambelana zokubhankisha ukufihla kulandelwa Art. 26 lomThetho Federal "On Ibhanki Umsebenzi Banking.

Ngoko ngokungqinelana ne Art. 26 lomThetho Federal "On iibhanki kunye nomsebenzi zebhanki" kufuneka Bank ukugcina zebhanki ukufihla. Ingcamango zebhanki ukufihla luquka ulwazi kwindawo engatshintshiyo ye-akhawunti yangoku kuvulwa kunye elunxwemeni, ubukho okanye ukungabikho kwee-akhawunti ukuhlawulwa , njalo-njalo.

Kuyacaca ukuba i-Bank akanalungelo ukuxela zebhanki ukufihla amaqela esithathu.

Ukongezelela, imali-mboleko ezininzi zihamba kunye nokuvulwa kwee-akhawunti yebhanki (umzekelo: amakhadi ngetyala).

Lo mba kuchaphazela ezikhethiweyo mboleki - ukuba isicelo mboleko evela kwiibhanki okanye uthathe imali-mboleko evela kumbutho ukuba akanayo ilayisenisi zebhanki. Ngapha koko, ukuba lowo ubolekayo isebenza iBhanki kunye isicelo sokunika kuye mboleko, lo mboleki ngokufanelekileyo ulindele ukuba xa kuthe ukonakala kweendlela imeko yayo zemali kunokwenzeka, iBhanki akayi ukusasaza ingcaciso emalunga vu bank. Ngenxa yesi sizathu, kubaboleki ezininzi zikhetha-mboleko ebhankini, kwaye mboleko ayikho umbutho wabucala.

3. Ngokutsho komthetho zangoku Russian Federation - ikhowudi NACE ukuze kubuye imali kwibhanki engahlawulwanga - angekhoyo.

Ngenxa yoko, imisebenzi-arhente yokuqokelela okwangoku mthethweni. Abaqokeleli abavumelekanga ukuba nenxaxheba nokuqokelelwa kwamatyala engahlawulwanga. Ukongeza, le ubolekayo uthatha imali ebhankini, kunokuba i "umalume ezitalatweni", nto leyo engqina intsingiselo yeBhanki ukuya mboleki.

Ngoko ke, uhlalutyo mthetho yangoku kuyacaca ukuba i-Bank alinako, ngaphandle kwemvume mboleki ukudlulisela ilungelo labo lokufuna ukuba ukuyibuyisa le mali-mboleko kunye nomdla ngenxa phantsi sivumelwano semali-mboleko ukuze iqela lesithathu ukuba akanayo ilayisenisi zebhanki.

Noko ke, xa kusenziwa, zasebhange bathi xa usenza isicelo semali-mboleko - umboleki iye banikezwe imvume ukusebenza kwedatha yobuqu, ngaloo ndlela kuqinisekiswa imvume wayo umsebenzi kwamabango kulo naliphi na iqela lesithathu.

Izikhalazo ezinjalo kwaye awukwazi bavumelane zizathu zilandelayo.

Okokuqala, processing of data yobuqu ngokungqinelana noMthetho Federal "Kwi Data Personal" luquka iinkcukacha ezahlukeneyo gqitha kunezo idluliselwe phantsi kwesivumelwano isabelo kwamabango (ukunikezelwa). Ubume of data zobuqu ziquka ezi nkcukacha zilandelayo: ifani, igama kunye patronymic, ubhaliso kunye nedilesi ahlala kuyo. Indawo yomsebenzi, iinombolo zefowuni - ie; ulwazi lobuqu malunga mboleki. Xa isabelo iimfuno amalungelo ezidluliselwa (ezilungiswa) ii kakhulu ezinye iinkcukacha ezinxulumene kukubulawa umboleki yezibophelelo phantsi iSivumelwano.

Ukongeza, xa isicelo sinikeziwe mboleko umboleki evuma nokusingatha idatha yabo siqu kuphela ukusombulula ingxaki - lokunika mboleko okanye imali-mboleko sokwala.

Ngokuphathelele ukubulawa abasebenzi isivumelwano semali-mboleko Bank musa ukuthetha kwaye musa ukuchazela umboleki. Ngenxa yoko, ngokungqinelana ne Art. 10 Umthetho RF "Xa woKhuseleko Rights Consumer" ezi zenzo ukuba neziqu ezilahlekisayo malunga neempawu ngeenkonzo ezinikiweyo.

Ukongeza, imvume mboleki kufuneka luboniswe uzimisele. Okukhathazayo kukuba ibinzana kwimvumelwano "naliphi na iqela lesithathu" ayisekelwanga phezu komthetho. imvume yomboleki kufuneka luboniswe abazibonayo, ukuba ubolekayo uyavuma ukudlulisela namalungelo otyalwayo (iBhanki) ethile iqela lesithathu ebonisa idilesi yayo yobhaliso, ukuphunyezwa kanye imisebenzi, nebhekile, bin.

Izivumelwano amboleke oku akusayi kufumana, ke, kule ndawo kukho kwakhona kukwaphula imithetho esebenzayo.

Ngaloo ndlela, sinokugqiba.

1. imisebenzi I-Bank, nenokuthi maxa wambi ichaphazeleke mvume - ukusebenza kuphela kwi-mboleko, kodwa kwakhona ukusebenza ukufunyanwa imali etyalwa ukuya kubaboleki.

2. Isabelo beBhanki amalungelo ayo phantsi kwesiVumelwano seMali ngaphandle kwemvume obolekayo mthethweni.

3. Imvume ye umboleki kufuneka ichazwe ngokucacileyo, ie imvume yalo kufuneka kuchazwe ngokukodwa umntu wesithathu iBhanki udluliselo neemfuno amalungelo ayo.