Isikweletu sezebhizinisi. Isikweletu sempahla. Umehluko nezinzuzo.

Isisekelo sobudlelwano bezezimali phakathi kwamabhizinisi nezinhlangano yihlobo lokuthengisa kanye nefomu lokuboleka imali. Ngezinye izikhathi kuyasiza kakhulu ukuheha isikweletu sebhizinisi kunokuba uhoxise imali ekuthengeni kwakho. Ikakhulukazi emabhizinisini amancane ezentengiselwano ane-solvency ephansi leli fomu Ukwenza ibhizinisi kuyamukeleka kakhulu. Ngokuvame kakhulu ukudideka imibono emibili enjalo: izinto zokuthenga kanye nekhredithi yezohwebo. Kodwa umehluko phakathi kwabo ukhona.

Isikweletu sempahla

Ngokusho kwe-Article 822 ye-Civil Code ye-Russian Federation, uhlobo olunjalo lokuboleka lubophezelo lwemali mboleko ngokwemibandela yokuhlinzekwa yinye iqembu elinye Impahla, enqunywe izici ezijwayelekile. Iqembu eliphikisanayo liqinisekisa ukubuya kwezimpahla ngesikhathi sokuvunyelwana sohlobo olufanayo nangesilinganiso esifanayo. Inkontileka enjalo iyabuyiselwa, okusho ukuthi ikhono lokwenza isithakazelo sokusetshenziswa kwezimpahla. Indlela yesithakazelo ingaba yinto engavamile: kokubili imali nemvelo. Isivumelwane esinjalo sesikweletu siyamukeleka ezimweni lapho ibhizinisi lidinga ikakhulukazi izinto zokukhiqiza noma izinto zokwakha futhi ngaleyo ndlela zithatha.

Imalimboleko yezohwebo

Ifomu lokuhweba lokuboleka kungenzeka ukuhlehliswa, ukukhokhelwa ngezitolimende zezimpahla noma imisebenzi nemisebenzi eyenziwe. Lo mbono uhlanganisa nentuthuko ehlukahlukene, ukukhokha kusengaphambili kwezimpahla, umsebenzi, isevisi. Futhi inikeza inzalo ekusetshenzisweni kwemali ebolekiwe. Inkontileka ye Isikweletu sezebhizinisi silawulwa yi-Article 823 ye-Civil Code ye-Russian Federation.

Uma siqhathanisa isikweletu sezohwebo nebhange, izinzuzo zangaphambili ziyabonakala. Ukuthengiselana okunjalo kuzuzisa bobabili amaqembu. Umdayisi ukwandisa isisekelo sekhasimende lokusebenzisa izimpahla zakhe, futhi umthengi uthola izimpahla ezidingekayo, ezingenayo imali. Ngesikhathi esifanayo, ukubuyiswa kokubili kwamabhizinisi kuyanda. Yikuphi umgomo oyinhloko wohlelo lobolekisi.

Kodwa isikweletu sezebhizinisi sinomsebenzi omncane. Okokuqala, kuphila isikhathi esifushane. Okwesibili, kunomkhawulo kumthengisi ngobuningi besitoko sempahla, futhi kusukela ohlangothini lomthengi - ngokufaneleka kwayo. Ngakho-ke, ukwandisa amandla amabhizinisi kufakwa ukusabalalisa ukunikeza isikweletu kumthethosivivinywa nokuhlola. Okwesithathu, ngokusakaza ngemali enjalo, kunengozi kubo bobabili abathintekayo. Ngenxa yezimo ezihlukahlukene, umdayisi angase ahlupheke, njengoba umthengi angase alahleke, futhi ukubuyisela isikweletu kuyoba yinkinga kuye. Kukhona futhi ingozi yokuba umthengi, uma kwenzeka ukudiliva okungakafiki kwezimpahla ezivela kumthengisi, ukuguqulwa kwentengo yezimpahla kungenzeka, okungase kube ukuthengiselana okungenzi lutho.

Intshisekelo yesivumelwano ngasinye isethwe ngabanye. Ngezinye izikhathi ngeke bakwazi ukukhokhiswa nhlobo, ngoba isivumelwano sibonisa ukudluliselwa kwemali noma izinto. Futhi, ngaphansi kwezimo ezithile, inzalo ingasetshenziswa njengesijeziso sokuhluleka ukufeza izibopho zesivumelwano.

Kungaphetha ngokuthi ikhredithi yokuhweba kanye nekhredithi yezimpahla kuphethwe ngaphansi kwezimo ezahlukene, futhi omunye kufanele aqaphele ngegama. Njengoba ukuhlelwa kabusha kwenkontileka eyodwa kuya kwenye kungabangela inhlawulo kanye nesigwebo sokungakhokhi intela.