Isikhathi Sesikweletu Esikweletu: Iseluleko sommeli

Uma lowo obolekayo eyeka ukukhokha ngesikhatsi esithile semalimboleko, inhlangano yebhange iqala ukuthatha izinyathelo zokubuyisela isikweletu ezinyangeni ezimbalwa. Kodwa uyakwenza kuphela kuze kube iphuzu elithile. Isikhathi sokunciphisa izikweleti zemali esikweletu siphelelwa yisikhathi lapho isikhungo sezimali sishiya imizamo yokubuyisela izimali zayo. Uqhubeka iminyaka emithathu. Lesi yisikhathi sinikezwe umkweletu ukuthi abuyise isikweletu. Kodwa i-countdown iqala nini? Futhi yini eyongela lowo obolekayo ngaphandle kokukhokha imali?

Ingabe ibhange likwazi ukuthethelela izikweletu?

Isimo sezimali somuntu singalimaza ngokuzumayo. Izizathu zalokhu ziningi: ukugula, ukulahlekelwa umsebenzi noma ezinye izimo. Kulesi simo, abantu abanengqondo bavame ukunciphisa ukusetshenziswa kwabo. Kodwa umuntu angakwazi kanjani ukuphetha isivumelwano esisodwa noma eziningana zezikweletu ngezikhathi ezithandeka kakhulu, futhi ukungakwazi ukufeza izibopho kwenza ukuphila kwakhe kube nzima? Kuboleki abanesimo sezezimali esingazange sithuthuke iminyaka eminingana, umthetho uthi amabhange awavunyelwe ukumkhathaza emva kwesikhathi esithile ngemuva kokufaka imali yokugcina kwi-akhawunti yekhredithi. Ingabe leli bhange lingakhohlwa ngalabo abanesidingo?

Ukuthi isikhathi sokunciphisa izikweleti zemali sikweletu sekuyiminyaka emithathu, wonke umuntu obolekayo uyazi. Kodwa-ke, ngesizathu esithile ngisho naphakathi kwabachwepheshe akukho ukuvumelana mayelana nokuthi kudingekile ukuqala countdown. Ngaphezu kwalokho, cishe zonke izikhungo zokwahlulela ziwumkhuba wokwelapha isikhathi sokukhawulwa kwezikweletu (i-Civil Code, Isigaba 196) ngendlela yaso.

Ngabe kufanele ubale usuku luni?

Lo mbuzo kunengxabano. Okokuqala, udinga ukwazi ukuthi iphuzu lokuqala aliqali kusukela ngosuku lokusayina inkontileka nebhange. Ababolekisi abaningi bakholelwa ukuthi isikhathi sokunciphisa isikweletu semali sikweletu kufanele sibalwe kusukela ngosuku olwamukelwe ngalo mboleko. Futhi lena yiphutha eliyinhloko. Amakhotho avame ukuthembela esimweni sokuthi lesi sikhathi siqala ukugeleza yini kusukela ekuthengisweni kokugcina, okungukuthi, kusukela ngosuku lapho lowo obolekayo akhokhela ukukhokhelwa kwenyanga ngesikweletu. Lesi sikhundla sivame ukususelwa ezinqumweni ezithathwe yiNkantolo Ephakeme kanye neNkantolo Ephakeme Yomthetho we-Russian Federation.

Okunye umbono

Kodwa ezweni lakithi kunamanje izikhungo eziningi zokwahlulela eziveza ukungavumelani nencazelo enjalo. Ebhekisela ku-Art. I-GK engu-200, bathi i-limit limitation for debt debt should be counted kusukela ngosuku lapho ukuphela kwesivumelwano somuntu ngamunye ebhange kuwela khona. Ngakho-ke, ukuqhubeka esitatimendeni esinjalo, uma lowo oboleka ebolekisa imali iminyaka eyisithupha, kodwa ukukhokha kwaphela ngemva konyaka ngemuva kokubhaliswa kwayo, kuphela eminyakeni eyisishiyagalombili kuye isikhathi sokunciphisa izikweleti zemali esikweletu sizophelelwa yisikhathi.

Isikhalazo

Kumele kuthiwa akuzona zonke izinkantolo eziqondiswa yilo mkhakha. Futhi le-countdown ivele kuphela kulawo mato lapho sikhuluma khona ngamacala okubolekwa ngemalimboleko ngokwezimali, ngoba amakhadi ahlale engapheli. Kodwa lapho kwenzeka ukuthi umuntu abe ngumthetho ngesikhathi sokunciphisa isikweletu sesikweletu kwakuwukuphela kwendlela yokuphuma kwaleso simo, futhi inkantolo yamthatha isikhundla esingakhululekile, ungahlala uncike kwisikhalazo.

Yinkantolo ebeka isikhathi sokunciphisa, kepha ngokwenza lokhu, iyakubheka bonke ubudlelwane bomboleki nebhange okwenzeka kusukela ngesikhathi isivumelwano semalimboleko sisayinwe. Kufanele kukhunjulwe ngamanye ama-nuances. Uma ngesikhathi sokubolekwa kwemali mboleko umboleki esebenzise enkantolo ngesitatimende ngokulungiswa noma ngesinye isicelo, ukusetjenziswa okuvame ukusiza ukunciphisa isiphetho somuntu ongakwazi ukufaka isandla ku-akhawunti, leli qiniso lingamisa umgomo wokulinganiselwa. Kungani lokhu kwenzeka? Iqiniso liwukuthi, njengoba umthetho, noma yikuphi ukuzama ukuxoxisana nebhange kuhlinzekela ukuthi imali encane ibe yinto engokomfanekiso kwi-akhawunti yekhredithi. Futhi ngisho noma lokhu kungenzeki, enkantolo ngisho neqiniso lokufaka isicelo esikhungweni sezimali kungabonakala njengenkokhelo yokugcina lapho i-Countdown iqala khona.

Yini engathinti inkambo yesikhathi?

Kumele uqaphele ukuthi ezinye zezenzo zamabhange azikwazi ukushintsha nganoma iyiphi indlela ukuzimisela kwedethi okubalwa ngalo isikhathi. Izenzo ezinjalo, isibonelo, zifaka ukubuyiselwa kwezikweletu kubathelisi. Naphezu kwezihloko ze-Code Civil ezikhulunywe ngenhla, akulula ukucacisa usuku lapho isikhathi sokukhawulwa kwemali mboleko siqala. Iseluleko sommeli, mhlawumbe, yisinyathelo esiqinisekile sokuxazulula le nkinga. Ungathembeki ezincomo zabangewona ochwepheshe, okulandelayo okungawukhuphula kuphela isikhundla somboleki.

Kwenzekani lapho isimiso sokulinganiselwa esikhwameni sesikweletu sesiphelelwe yisikhathi?

2015 yisikhathi esinzima sezomnotho eRussia. Eminyakeni embalwa ngaphambi kokuqala okuthiwa ingxabano, izinhlangano zebhange zaphetha izivumelwano zemali kanye namakhasimende abo emikhulu eminingi. Izidingo zababolekayo abangahle bezingahlezi ngesikhathi esifanayo.

Kodwa isimo sezomnotho esingaguquki kuleli zwe siye sabangela ukuwohloka okuphawulekayo esimweni sokuphila kwezakhamizi eziningi. Ukungasebenzi kuye kwaphakama, amanani okudla avukile. Kwabaningi baseRussia, ukukhokhelwa kwenyanga ngesikweletu sekube ngumthwalo ongenakubekezelela. Ukwethembeka kwamanje kwamabhange kumakhasimende abo kuye kwaba nokwanda okukhulu esikweletini ngemalimboleko. Kule mibandela, abaningi ababolekayo banethemba lokuthi isikhathi esibi kakhulu sokukhawulwa kwezikweletu. Ngemuva kokuvivinywa, bakholelwa, zonke izikweletu zizobhalwa, futhi impilo ingaqala nge-slate ehlanzekile. Noma kunjalo, umbono onjalo uyiphutha elikhulu.

Ukuphelelwa yisikhathi kwenkathi yeminyaka emithathu, ngemuva kwalokho ibhange liyeka ukubiza imali yalo, kusho kuphela ukuthi umboleki unengxabano enokwethenjelwa. Kuye, ngaphansi kwesimo sokuphindwa okuphindaphindiwe komkweleti ezimweni zokwahlulela, umboleki futhi angacacisa. Ukuphelelwa yisikhathi kwegama lesimangalo akulondolozi ibhange lelungelo lokubiza nokukhumbuza izibopho. Kodwa ngamacala anjalo, indlela yokuphikisana inikezwa kumboleki. Kusemthethweni wokukhumbula idatha yomuntu siqu.

Ukuthengiswa Kwezikweletu

Ngemuva kokuba ibhange lilahlekelwe ithemba lokubuyisela imali yalo, ukuphila komuntu obolekayo akuyona neze elula. Izakhiwo eziningi zezezimali, njengoba wazi, zikhetha ukuthengisa izikweletu kuma- ejensi eqoqo. Ukuxhumana nabasebenzi bezinhlangano ezinjalo akuyona into emnandi. Lokhu kwaziwa ngisho nalabo abangazange bangene esivumelwaneni sesikweletu. Izenzo ezingekho emthethweni zalaba bantu zivame ukukhulunywa kumabonakude, ezibhaliwe emaphephandabeni nasemawebhusayithi ezindaba.

Abaqoqi abakwazi ukufaka izicelo enkantolo ngemuva kokuphelelwa yisikhathi sesimangalo, futhi kuphela ikhambi kubo ukucindezelwa kokuziphatha kumboleki. Umuntu oye wahlushwa ukuxhumana nalabo basebenzi kumele axhumane ngokushesha namaphoyisa. Uma kungekho impendulo kwisicelo esithunyelwe ngesisekelo sezenzo ezingekho emthethweni zabathelisi, ungadikibali. Isinyathelo esilandelayo kufanele sibe isikhalazo ehhovisi lomshushisi.

Ukuhlukunyezwa kwamalungelo omboleki

Iklayenti ebhange elidonsa isikweletu sibophezele lokhu. Eminyakeni yamuva, okungewona izinkokhelo kuye kwanda kakhulu. Lokhu akuyona nje iphutha lababolekayo, kodwa futhi namabhange, ngisho nombuso. Kodwa-ke, kwezinye izimo, ukuzenzakalela kwekhredithi akuxhomekile ngokuphelele kumaklayenti ebhange. Amacala anjalo afaka izimo zomuntu noma ukukhwabanisa okuqondile. Umbolekayo ubophezelekile ukuthi wazi ukuthi uma ebolekisa futhi eqala ukuzethemba ukuthi kungenzeka ukuthi angakhokheli, okungaqondiswa ngumthetho ngesikhathi sokunciphisa, ubeka ingozi yokubandakanya ukuphatha, ngisho nokubekwa icala. Isijeziso esincane esisongela umbolekisi ukubuyiswa kwempahla. Kodwa umthetho uphinde unikeze izinyathelo ezingavamile.

Inkokhelo yobugebengu

Uma iklayenti yasebhange ebolekisa ngemali ebheyili, ngakho-ke akabheki icala lobugebengu. Uma kungenakho ukukhokha, konke kuhamba ngesando. Nanobe kukhona lapha kunezikhohlisi. Ibhange alikwazi ukusola indlu futhi umbolekisi emcimbini ukuthi yiyona yedwa ingcebo. Ukungekho amacala uma ukukhwabanisa kubonakala ezenzweni zomboleki.

Ukuqonda ukuthi ngabe lowo obolekayo wayeqondiswa imicabango emibi akulula kakhulu ukunquma. Uma, ngemuva kokumiswa kwemali mboleko, uyanyamalala ngenhloso, ayikhulumi kahle. Ngokuya ngesimo esithile, umboleki angagwetshwa umsebenzi wokulungiswa kweziboshwa ngisho nokuboshwa iminyaka emithathu. Kodwa-ke, izinyathelo ezinjalo zobugebengu zisebenza kuphela uma kwenzeka ukufakazelwa kwezimali zebhange.