Indlela sephule inkontileka ne yibhange imali. izindaba zomthetho

Ngu isinqumo sokuqeda nesivumelwano sokubolekwa umboleki ngokuvamile itholakala lapho ulahlekelwe ikhono ukukhokha imali (noma axoshwe imisebenzi yabo nezibi). Ngokusho imithetho, kungenziwa ngemuva kokukhokha egcwele izikweletu. Kungenzeka yini ukuba isivumelwano isikweletu ngaphambi kwesikhathi ebhange? Yebo, kodwa kwenza kube nzima kakhulu.

ongakhetha

Uma lo muntu obolekayo uye wagcwalisa zonke izibopho zayo, idokhumenti kubhekwa zigcwaliseke, futhi akadingi ukuncibilikisa. Umthetho "Ngo Ukuvikelwa kwamaLungelo Abathengi 'unikeza esinye isici esithakazelisayo. Kungakapheli namasonto amabili, ngemva kokwamukela indlu yakhe lungabuyiselwa ngokukhokha isithakazelo ongokomfanekiso. Lokhu isigaba ngeke okudinga imvume yangaphambili lesikhungo obolekisayo. Enye into, uma imali ingakhokhiwe ngokugcwele. Indlela sokuqeda inkontileka imalimboleko ebhange usesimweni esinjalo? Inketho yokuqala - by ukuvumelana phakathi kwezinhlangano zentando, kwesibili - ezinkantolo.

ngezizathu

Njengalo senqabe ukuthobela kwezibopho inkontileka civil engenakwenzeka. Obolekayo kufanele kube simo zingenakunqobeka, okuyinto wayengazi ukuthi ngesikhathi ukusayinwa imibhalo. Ukulahlekelwa imali akuyona, ngoba iklayenti angakwazi futhi kufanele ufune omunye umsebenzi. Futhi uma kunciphise inani iholo, kubalulekile ukuba ucele kabusha izikweletu noma thatha imali ngaphandle kwenzalo ukuze amboze ebolekiswe ku kwesinye isikhungo.

Indlela sephule inkontileka ne ebhange ngaphansi komthetho?

Ngokusho Art. 821 we Code Civil, umboleki lingahoxisa loan phambi itholakele. Ngemva kwalokho, isikhungo unelungelo lokuthathwa njengomsulwa Aurora ikhokhele lonke isikweleti, ikhumbula isinxephezelo. Indlela sephule inkontileka unilaterally? Ochwepheshe ukuthi the Civil Code sihlinzekela kwezimo ezinjalo:

1. Esimweni lokwephulwa izivumelwano yasebhange (Art. 450).

2. ukuqala izimo ukuthi lo muntu obolekayo ayikwazi ukukunikeza ngaphambili.

3. ukuqala nezinye kwezimo ezibaluliwe kule dokhumenti. Kungaba ukulahlekelwa izibambiso, izinkokhelo sekwephuzile, nokunye .. Kulokhu, ibhange kungase Aurora ikhokhele yonke imali loan esekelwe imivuzo iphesenti kanye nokuhlawuliswa.

practice

Kungenzeka yini ukuba isivumelwano isikweletu ebhange, uma umuntu ukugula okungathí sina noma lithole iqembu ukukhubazeka manje awusakwazi ukusebenza? Yebo, ubengeke akwenza lokhu ngoba leli qiniso ukwazi kusengaphambili. Eyesibili inketho - uma isikhungo credit wenze ushintsho inkontileka ngaphandle ukuxoxisana. Leli ifomu nsuku izivumelwano futhi wasayinwa abamele amaqembu. Ngakho-ke, zonke izinguquko kumele nazo zicaciswe kusengaphambili. Kodwa kaningi kakhulu le izikhungo zezimali ukushintsha ngesilinganiso isithakazelo ngaphandle kwemvume iklayenti. Indlela sokuqeda isivumelwano loan ebhange kulesi simo? Ifayela isimangalo enkantolo. Esinye isizathu esivumelekile angase imisiwe ukunikezwa imali noma ukulethwa izimali akuphelele.

Kuphi ukuqala?

Ingabe ibhange sokuqeda nesivumelwano sokubolekwa? Yebo, isibonelo, uma lo muntu obolekayo ingabuyeli imali ngaphakathi wesikhathi obekiwe kule dokhumenti (ngokuvamile izinsuku ezingu-30). Non-ukuhambisana kuyinto isizathu esiyinhloko kwesivivinyo. Into ehlukile idokhumenti sinika isibopho sezomthetho okweletayo sika uma imbuyiselo ngasekupheleni. Khona-ke enesibopho ukukhokha noma inhlawulo.

Indlela sephule inkontileka ne yibhange imali? Udinga ukubhala isicelo sezimali, okuyinto ngokusemthethweni ukumemezela sabo futhi ucacise izizathu. Ekusebenteni, iphepha enjalo noma ushiye ibhange ngaphandle impendulo olusemthethweni, noma ngokushesha uyayilahla noma uhlongoza imigomo kungamukeleki. Uma iklayenti nokunye yaphuma igijima izinhlawulo ezinkulu, kunengqondo ukulinda kuze ibhange akusho ukufaka isimangalo. Angenza iminyaka engu-3. Kulokhu, lesi sikhungo kuzodinga ukukhokha inzalo kanye nezinhlawulo lonke isikhathi.

Indlela sephule inkontileka unilaterally?

Wena aye enkantolo. Kodwa uma isizathu kuphela iyona ngongakwazi ukukhokha izikweletu of umboleki, ijaji ngeke uhlangothi ne isikhungo sezezimali. Ungazama ukuxazulula inkinga ngokuthula ukuvumelana kabusha loan. Kodwa ababolekisi akuvamile ukuyekethisa. Okufanele ukwenze esimweni esinjalo okweletayo? Abameli belulekwa ukukhokha ngaphansi inkontileka jikelele, ukulinda kuze ibhange ukumangalela. Khona-ke ukubhala incwadi kuncishiswe inani izinhlawulo (izinhlawulo sokulibala abaluleke kakhulu). Lokhu kulandelwa inkantolo ukuchaza izizathu lokungalandeli umthetho bese ucela wokwehla isigwebo. umzimba imalimboleko kanye isithakazelo zonke kufanele ukhokhe noma kunjalo. Kodwa kungenzeka ukunciphisa izindleko ezengeziwe. Uma isinqumo sesithathiwe esivuna ibhange, kubalulekile ukuba sisebenzise izitatimende ezimbili ezintsha: ukuhlala ngokubulawa isinqumo futhi isitolimende izinkokhelo.

wokuqulwa kwamacala ezinkantolo

Ezimweni ezinjalo, kwabamangali amabhange. Futhi isizathu kuphela okumisiwe abakweleta loan akukho umthombo engenayo. Ngakho-ke, inkantolo ithatha ohlangothini isikhungo sezezimali. Kodwa zikhona okumbalwa ngokuqondene nalo mthetho.

1. Uma ibhange evala nesivumelwano sokubolekwa unilaterally, awusebenzi amnike ilungelo ukuqaphela amanani ngaphambilini ikhokhwe nokunonophala engenabulungisa (Art. 313 we Code Civil). Obolekayo enganika ukusebenza nezibopho kumuntu wesithathu, ngaphandle uma sivumelwano inikeza ukuthi ubophekile ukuba abuyisele izikweletu mathupha. Kulesi simo, ibhange Awukwazi ukwenza isimangalo ukuthi isibopho is angagcwaliseki ngokugcwele.

2. Ukwandiswa isithakazelo unilaterally, uma kwenzeka kwemigomo ezikweletini yokukhokha ngokungemthetho isikhungo sezimali. Inkantolo kungehlisa leli nani okusekelwe isicelo ummangalelwa.

3. ukwenqaba Ibhange ukufeza izibopho zayo. Ngisho esimweni esinjalo, umboleki kumele imali ebolekiwe, inzalo kuyo, ihlolwe ngokuhlanganiswa esifundweni isigwebo. Nokho, kungenzeka isijeziso kungagcini usuku kokuqondisa isaziso esisemthethweni kuya umboleki. Kakade izimali ayikwazi kubhekwe nokunonophala nabulungisa, njengoba isilinganiso nesivumelwano sokubolekwa akazange ayeke. Okungukuthi, ngemva ukuqedwa kwenkontileka ngokusebenzisa ebhange izinkantolo ingaqoqa kusukela umboleki inani izikweletu futhi inzalo enqwabelene kosuku ngesinqumo.

4. Art. 310 we Ikhodi and Art Civil. 29 "yoMthetho Banking" inikeza ukuthi isikhungo sezezimali ungaguqula imigomo yesivumelwano unilaterally, uma inikezwe idokhumenti. Kodwa lezi zinguquko ezocatshangelwa esisemthethweni uma ngokuvumelana nezimiso sokuthembeka. Ngokwesibonelo, uma senzalo ukwanda emva elikhokhwayo idlula ku-40% imali engenayo yenyanga umboleki, inkantolo ingathatha ushintsho olunjalo kungamukeleki.