Kodi nkhani mwadzina? Kusankhidwa ndi kutsegulidwa kwa nkhani mwadzina banki

Pa 01.07.2014 ndi kusinthidwa kwa Civil Code, limene Russia anatilola kutsegula akaunti limodzi ndi achibale. Pa mfundo, chiyembekezo ndi kayendesedwe ka nchito, adzaphunzilanso pa nkhani imeneyi.

prerequisites

Zoyesayesa loyambirira kukhazikitsa nkhani mwadzina anapangidwa 2007. Ndiye mwachangu anayamba kubweza msika. M'mayiko ena, 80% wotuluka malo chichitike ndi ntchito nkhani chikole. Ganizo zoyambirira za oyamba anali kuchepetsa mavuto mu wotuluka ndi intermediaries, zimene malo wothandizira.

Kusintha malamulo anaonekera mu 2014. Tsopano, nzika adzatha kutenga mwayi wa misonkhano iwiri latsopano. Open nkhani nominee ndi kupanga wotuluka ndi ndalama za phindu la. Kapena ntchito misonkhano ya intermediaries (chikole) mu wotuluka.

mtima

Nkhani mwadzina - khungu mu banki, yomwe imatithandiza kumveketsa gulu lachitatu kuchita wotuluka ndi njira mapindu a. Service mgwirizanowo akhoza anamaliza popanda nawo phindu. Ngati nkhani mwadzina mu Sberbank chikuyamba opindula angapo, kosamalira ngongole ayenera kuganizira zofuna za aliyense wa iwo pa nkhani ya zinthu zapadera kupatulapo ngati tasonyeza lina mu mgwirizano.

pangano ayenera sizinatchulidwe ndondomeko chopezera zokhudza zinthu zomwe zilipo ndi mlingo wa nawo munthu amene anatsegula nkhani ndi phindu. mgwirizano ingaperekedwe kwa udindo wa banki kulamulira kuti ndi kugwiritsa ntchito malo ndalama. Kuyimitsidwa ntchito, kumangidwa ndiponso kusintha kwa ndalama ya maudindo a chofukizira chifukwa sikuloledwa. Pankhani ya phindu imeneyi inafunika chiyanjo bwalo.

Ngati mwadzina nkhani banki amatsegula bungwe malonda, imasonyezedwa mkati 40702. Ndiye, molingana ndi malamulo a Bank chapakati № 385-P, m'banja ayenera kupereka mfundo za msonkho. Ngati ntchito kuuzenga mwa munthu, ndiye onse magalimoto adzakhala anasonyeza pa nkhani 40802, amene ataphimbidwa ndi Chilamulo Federal "Pa Gawo Insurance". ntchito Bank wa - kuwayang'anira ndi kuthetsa chikole - osati malamulo, ndiyo kutsatira mgwirizano.

chikole

The Bank akutsegula nkhani yapadera kuti mlandu wa ndalama ndinalandira kwa mwini (depositor) kuti kusamutsa kuti phindu pa malo zotchulidwa mgwirizano. mphoto chikole sangathe kulipira kwa ndalama ya foni ngati si anapereka chikalatacho. Nkhani zimenezi amatsanzira kamba wamkulu wa Bank.

Chikuonetseratu kuti ndalama chikole depositor zina, kupatula ndalama zafotokozeredwa mgwirizano, ndi inadmissible. Maphwando akhoza kugwiritsa ntchito ndalama okha maonekedwe mwachindunji zinthu. Koma iwo ali ndi ufulu amafuna inivoyisi tinkawasindikiza ndi zina amapanga mobisa banki. Akaunti adzakhala adatsekedwa pa mapeto a nthawi mgwirizanowo. Written pempho mmodzi wa zipani Pankhaniyi ziribe mphamvu.

Nkhani mwadzina akhoza kutsegula ndi loya, nthumwi ntchito, wothandizila, executor kwa chifuniro kuchita wotuluka ndi njira mapindu a. pangano n'kukulemberani ndondomeko kupeza zokhudza ntchito ya ndalama. Mbali yaikulu ya chikole ndi kuti sanatsegule kuti kudzikundikira chuma, ndi kuti akwaniritse udindo. Childs, malo wotuluka. Chiwembu chiri motere: wogula nyumba akutsegula chikole, amasiyiratu wina kuchuluka kwa izo. Akamaliza wa ndikupeleka wogulitsa afika ndalama pambuyo zikalata thandizo natsimikiza kulanda umwini.

malo

Ku Ulaya, nkhani mwadzina ntchito kuthetsa pakati pa zipani, ophunzira a msika zoyendera apanyanja, komanso kumanga. Timatha inu mofulumira chitsimikizo banki pa mawu yabwino. utumiki umenewu mwakhama ntchito achilamulo ndi notaries mu ntchito yawo. masitolo Online ntchito kuonetsetsa chobwezera cha katundu ndi wogula. ndikupeleka aliyense kuti imasonyeza kukhalako kwa zinthu zina, angathe kuchitidwa ndi nkhani zimenezi. Makamaka ngati pali kufunika ulamuliro zina.

njira zina

Nkhani latsopano akhoza kumwedwa munthu. Mwachitsanzo, ngati kasitomala ndi zomwe zili m'bale amene akukhala mu mzinda wina, mukhoza kutsegula banki selo ndi kulamulira ndalama za ndalama. zikalata ayenera akadandaule m'dzina la wachibale wake, koma wopindula - munthu amene ndalama izo. Mabwinja kalata banki ndi okhawo phindu lapansi. zoletsa zina zikhoza zotchulidwa mu mgwirizano. Mwachitsanzo, kuti mwachindunji kuti ndalama ayenera kugwiritsidwa ntchito pa kupereka zofunikira, ndipo withdrawals ndalama - oletsedwa.

mavuto kukhazikitsa

Zochita dziko ankagwiritsa ntchito nkhani olowa, koma ku Russia ndi mafunso ambiri okhudza cholinga cha ndikupeleka izi. Pakali pano, ndi Akhristu enieni ndi chikole ngongole ndi bokosi gawo. Koma misonkhano , mabungwe ngongole kupereka si mmene zinalili m'mbuyomu.

Akatswiri ikubweretsa mafunso ambiri. Mwachitsanzo, wothandizila amene wakhala ngongole, ngati banki adzakhala mupewe chilolezo cha? Ambiri mwina, izo ndi kudziwa insurer kapena kuchita kudzera m'makhoti. Koma njira imeneyi malipilo ayenera bwino formalized pa mlingo malamulo.

Banks ku Kazakhstan ndi Kyrgyzstan akhala anapereka utumiki pokambiranapo kwa ogula. Inayambira nkhani nominee ndi kukonza ake ndi okwera mtengo. Malinga ndi bungwe ndi zolinga mtengo akhoza zosiyanasiyana, kuyambira 1 mpaka 10 chikwi. Rubles. Pakuti anapeza kalata ngongole ku Kazakhstan kulipira katatu kwambiri. mabanki Russia palibe mofulumira kupereka yaitali makasitomala chikole kuyambira kumayambiriro a chilamulo sagwirizana ndi malamulo Bank Central.

inshuwalansi chipukuta misozi

Onse madipoziti banki Russia otetezedwa ndi boma. Ngakhale inshuwaransi malipiro, amene anasamutsidwa kuti nkhaniyo. Mu nkhani ya bankirapuse wa eni banki pulasitiki ayenera kulandira chipukuta misozi mu masiku techenie14 pambuyo bungwe ngongole kuti mupewe chilolezo cha.

Chipukuta misozi mawerengedwe zikuphatikizapo onse chidwi chifukwa pa gawo lapansi. Koma pazipita kuchuluka pa munthu okha rubles miliyoni 1.4. (2015), ndiye ngati kasitomala anatsegula madipoziti angapo kubanki, mwachitsanzo, mu nthambi zosiyanasiyana, pamene chochitika inshuwaransi adzatengedwa chifukwa chiwerengero cha ndalama nkhani zonse. Yogwiritsa pa madipoziti ndalama zakunja amalipidwa mu rubles pa mlingo nzeru Bank wa Central. Izo zikuwoneka ngati njira muyeso.

mafunso okhudza nkhani olowa. Ngati opindula angapo, gawo lililonse ayenera zodziwika bwino. Kuchokera phindu izi zimatengera malipilo kuti Investor mudzamulandira. malamulo amapereka kwa eni kuonetsetsa lokha pa kumangidwa kwa ndalama ndi kutsirizitsa mgwirizanowo. Malangizo kanthu pa liquidation wa bungwe anaonekera posachedwapa.

Mwachitsanzo, dzina lokha chifukwa banki anatsegula opindula angapo kuchuluka kwa kuposa mln. 14, The kuchuluka inshuwalansi malipilo adzakhala masamu pamaziko a muyezo wonse, osati mosiyana aliyense phindu. Izi ndi mfundo zomveka. Ngati khungu pamodzi ndi malipilo ayenera kugawa kwa ophunzira onse.

Kuyambira 2015 kusaina pangano nkhani mwadzina ndi zotheka ndi mabungwe omwe 50% wa kulikulu la bomalo. Ndi kukhazikitsa ntchito ku mabanki anakumana ndi zinthu zambiri mavuto: kupanda mapulogalamu zofunika ndi malangizo mkati lolamulira ndondomeko yokonza. Choncho, kusankha mabungwe yochepa.

Ovoteledwa ndi mtetezi

Poyamba, onse chodalira kuchipatala kuchuluka amatamanda khungu lake kubanki. Oyang'anira akhoza kuwombera popanda chilolezo cha boma thupi ndalama osati wozingidwa ndi ang'onoang'ono osachepera pa mwezi. Mu malamulo atsopano, ndalama zonse chifukwa munthu zing'onozing'ono kufika pa nkhani mwadzina anatsegula mu munthu wachitatu. Guardian akhoza kugwiritsa ntchito ndalama zake zonse popanda chilolezo.

Mwadzina nkhani - bokosi gawo kuti chikadzabadwa, chidzatchedwa amatamanda penshioni, alimony, ndi ndalama zina operekedwa kukonza a kuchipatala. The kuchotserapo ndi malipilo ndi maphunziro wophunzira. Ovoteledwa ndi mtetezi akuyamba kupereka chikalata cha thupi la otumikira. Pakuti chimaliziro cha pangano ayenera kupereka mfundo za phindu la: dzina, tsiku ndi malo a kubadwa, makope kalata zolembedwa kutsimikizira chizindikiro cha kuchipatala, zogona adiresi. Nkhani mgwirizano nominee tingakhale ndi mpata kusamutsa mosamala bokosi gawo titsegulireni mabungwe kapena issuance ndalama, anapereka kutsekera kwa mtetezi panopa. Ndalama akhoza amatengedwa kulipira maudindo a kuchipatala okha ndi akhoti.

chikole chifukwa

Kusinthidwa kwa Civil Code analengedwa ndi mtundu wina wa mabokosi gawo. Ndalama analandira mwa ngongole ya wokongolayo, akhoza amatamanda nkhani yapadera chikole. Izi njira adzaoneka atauza buku la chigwirizano. Pa pempho la mortgagee banki ayenera kupereka mauthenga pa bwino anachita wotuluka, malamulo oletsa ndi malamulo. zilango adzakhumudwa onse olembedwa kutali, malinga ndi Art. 349 wa Civil Code, ndi ngongole ina chifukwa. Pa ngati gawo bokosi si ataphimbidwa ndi malamulo pa kugulitsa katundu (Art. 350-350.2 wa Civil Code), komanso malamulo a kutolera ndalama (Dec. 45 Civil Code).

Pomaliza

Potsatira Kusintha kwa Civil Code pa bala la ntchito ku banki mitundu yatsopano ya nkhani: mwadzina ndi chikole. maselo amenewa atitsegulire gulu lachitatu, koma ufulu ndalama mwini kuti phindu la. Kodi ovoteledwa ndi kusunga? Izi bokosi gawo, yomwe amatamanda ndalama pa milandu yokonza. Zochita lapansi, chikole kutsegula pamene kugula katundu, zimatsimikizira kupereka ndikupeleka. Russia ali Chenjerani utumiki watsopano. Ndipo chiwerengero cha mabungwe mungapezeko kutsegula selo olowa yochepa.