IOU. Kwenta tinhlaka inothi promissory. izikweletu yokutakula

Ngazo zonke izikhathi kwakukhona umkhuba ukuboleka imali futhi ushiye lo mthethosivivinywa. Othile wabe esenika ezikweletini entshisakalweni ebizwa, othile njengomngane wakhe, ngaphandle kokudinga imali ethe xaxa iyisevisi enjalo. Kodwa kungakhathaliseki ukuthi kwakungesani, asibuyisanga lutho. Empeleni, njengoba manje. Ake sithi ungakwazi ukukhokhela ukuboleka imali, kodwa ufuna ukuba uqiniseke ukuthi esilinganayo lizobuya kuwe, njengoba kwakuthenjisiwe abantu ukuboleka imali. Njengoba ubudala isisho sibonisa, "ubungane ubuhlobo, kodwa imali - ngaphandle." Yingakho kukhona idokhumenti ngesihloko elula futhi ecacile: "IOU".

Kanjani ukukhipha ilungelo irisidi?

Isampula:. "IOUs mina Leonov leonid Leonidovich, usuku lokuzalwa 01.01.1980, Inombolo engeyiyo ..., ekhishwe (osukwini lokukhishwa), kusho uMnyango amaphoyisa (igunya lokukhipha), bhalisiwe (ukubhaliswa indawo) kanye ophilayo (nendawo yokuhlala), wathatha (isamba kokubili izinombolo kanye namagama) esikweletini ngaphansi 20% ngonyaka kusukela isakhamuzi Fedorova Fedora Fedorovicha, usuku lokuzalwa 02.02.1982, inombolo engeyiyo ..., ekhishwe (osukwini lokukhishwa), i-(igunya lokukhipha) womnyango wamaphoyisa, bhalisiwe (indawo lokubhalisa) futhi uhlala (nendawo yokuhlala). mina ukuth ubuyisele inkokhelo wathi ngesithakazelo (usuku ukubuya). Isignesha. "

IOU kulotshiwe kuphela ngesandla. Ngemva kwalokho, uma kwenzeka kuba khona impikiswano (uma okweletayo "bayalishalazela iqiniso"), umbhalo wesandla luhlolo ziyonquma nombhali embhalweni. eyodwa kuphela esasayinwa umbhalo uyithayiphe kukhompyutha luhlolo akwanele. Kungcono ukuqhathanisa nesignesha ukuthatha imali izikweletu nalezo incwadi yakhe yokuhambela amazwe siqu. Kwenzeka ukuthi abanamacala "professional" sesithole omusha ngamunye ufake isiginesha entsha.

Uma ukunikeza iphesenti ezithile lemali, kufanele kuboniswe ku irisidi.

Uma imali elisizayo ngo izimali zakwamanye amazwe ekwamukeleni kumelwe kubonise kahle ukuthi lwemali kanye izinga lokushintshisana ukuze ibuyisele le mali.

IOU kumele akhombise (uyazikhethela) usuku ukubuya imali ayemkweleta. Kepha kusukela kulolu suku siqala abalwa yisimiso ukulinganiselwa uma sisebenzisa emagunyeni enkantolo. YoMthetho ukulinganiselwa kuyinto engu-3. Uma usuku kokuthola ayicacisiwe, loan ke ezocatshangelwa nanini. Thola ubulungiswa lapha kuyoba nzima kakhulu - ngaphambi kokuya enkantolo ummangalelwa kudingeke ukubuyela imalimboleko.

Ngisho uma debenture senziwa ngendlela efanele, ngeke abe imali isiqinisekiso emuva. Endaweni yokuqala ke - ukholo ezinhle okweletayo. Nokho, ukuba khona kwazo zonke izinto edingekayo kuzokhulisa amathuba yokubuyiselwa imali uma bephoqeleka ukuba aye enkantolo.

Kanjani ukuze uthole irisidi wesibopho?

Uma lo muntu obolekayo uyenqaba, ubuyisele inkokhelo kuthathwe ngaphambili (okwenzeka njalo), yana enkantolo. Umthetho ezimweni eziningi kuyoba ngohlangothi lwakho. Lapha akufanele ungajahi. Lost isikhathi ukudlala ngokumelene nawe. yokutakula Nezikweletu kuncike ezicini eziningi ku okweletayo, futhi ihlukaniswe yaba izinhlobo:

- by isimo (wemvelo noma womthetho umuntu);
- ngesikweletu (khona impahla: imoto, umhlaba, ingcebo, njll), ukuba khona noma ukungabi yokwesabela sokuthola okweletayo imali eceliwe;
- kumila nesenzakalo isibopho izikweletu (a ngemvume nesivumelwano sokubolekwa imali), enza umonakalo (ukuziphatha ngokungafanele, ingozi, njll).

Kweleti unalo impahla wanelise isicelo ayemkweleta sika, uqhubeke ngokushesha: ungaba ohlwini olude labo abafuna ngenkani kubuye izikweletu. Siqale okuqalwe ithuba imbuyiselo ukuthi akhokhe imali engaphezu. Akubalulekile ukwesabisa okweletayo enkantolo. Sicela uxhumane nabo ngqo. Le mfuneko ukubuyisela izikweletu afake ezathatha imali wena ukuthatha isinyathelo ukususwa kwempahla kusukela buhlungu. Ngezinye izikhathi nje kokushiya okweletayo, futhi uthole akunakwenzeka njalo. Ukucabanga nendlela angabuyisela izikweletu phezu irisidi, ukuqoqa ulwazi mayelana umuntu akazange abuyele imali. Zonke imininingwane ibalulekile, yonke imininingwane. Ikhadi lakho le-trump - into engalindelekile.

Uhlaziyo luqhubeka idatha ikuvumela ukuthi ukhethe indlela engcono kakhulu ukubuyela lelo cala. Ngokuvamile, abanamacala abangenayo impahla, kuncike ezinhlinzekweni zoMthetho Criminal Code, uma izenzo zabo ezibhekwa ukukhwabanisa.