Umthelela wale kokuphela kwesikhathi imincele. Izinhlobo yisimiso ukulinganiselwa

Iyini imiphumela emva kokuphela kwesikhathi komkhawulo ngokuhlasela abahlanganyeli ubudlelwane civil? Kwakuyokwenzekani uma zonke izinto zahamba ngangokunokwenzeka lapho amabhange nezinhlangano credit Unelungelo alulame izikweletu ezinkantolo? Le mibuzo kanye neminye efana azame ukuphuma kulesi sihloko.

Umcabango

Ngaphambi kokusho noma yini ngemiphumela kokuphela kwesikhathi komkhawulo, chaza leli gama.

Umkhawulo yezenzo - umthetho eyabelwe isikhathi ukuvikelwa kwamalungelo enkantolo. Kumthetho wamademeshe, ihlukaniswe izigaba ezimbili: jikelele (iminyaka emithathu), okungenxa yezimo ezikhethekile (kuye ngokuthi isimo ezisemthethweni).

Lokhu kusho ukuthi uma uhambile zokukhokha ukufaka izimangalo ke uwine kunjalo kuyoba nzima kakhulu, ngisho noma ummangali unamalungelo ezintathu. Kodwa kukhona esinye isici esithakazelisayo okuyinto futhi bengafundile e labahlonipha umtsetfo abazi ukuthi ngaphandle kokufaka isicelo esikhethekile ukusetshenziswa izinkantolo bebodwa benza izinqumo. Okuningi kule sihlaziye olwengeziwe.

Isicelo practice

Uma isimiso ukulinganiselwa siphelile, akusho ukuthi "Yini eyayibangele lokho" kungaba silala ngekuthula. Alukho uhlelo lokusebenza ngokuzenzekelayo kokubusa akukho. Ungabi emibi emva kokuphela kwesikhathi nemikhawuko for abakweletwayo, uma kuba njalo ummangalelwa, isb. E. okweletayo azisa isicelo enkantolo yomthetho. Lena enye yezinhlobo ezingu izinguquko ezinkulu kule nomthetho waseRussia. Ngaphambi yisimiso ukulinganiselwa isicelo makhotho ngokuzenzakalela t. E. Uma izinceku Themis ungabona ukuthi zokukhokha ezingabanjwanga, ngeke bakubheke njengomuntu isitatimende kwesimangalo. Namuhla konke ishintshile: kuyodingeka ukuba sisho isicelo ukuthi ummangali akunakwenzeka, ngokuvumelana sihloko. 196 Civil Code, ukudinga yiziphi ezinye izikweletu.

Yingakho lesi siphetho: isidingo njalo ngcono ekukwati kufundza nekubhala zomthetho, noma wasebenza isakhamuzi kunoma yimuphi umkhakha womsebenzi. Izinkantolo, njengasekuqaleni, ayisekho ukusebenzisa umthetho ngaphandle ohambelana funa.

Yeqa yisimiso ukulinganiselwa

Akukhona nje zemibango ngaphandle isimiso ukulinganiselwa, ngakho udinga ukuba lokhozi sikhathi. Nokho, kungenzeka ukubuyisela nelungelo lokufaka izicelo. Ekuphileni kungase kwenzeke, noma yini. Kunezimo lapho isakhamuzi sezizathu umgomo abakwazi isicelo enkantolo. Ukuze isebenzise unelungelo lokuvikelwa zokwahlulela, kuyodingeka ukubuyisela aphuthelwe eside zenqubo. INkantolo uyazicabangela amazwi anjengokuthi ngokuhlukile nezidingo eziyisisekelo. Uma yanelisekile ukuthi inkathi is aphuthelwe ngaphandle kwesizathu esizwakalayo, akungabazeki ekululameni uzobe kunqatshelwe.

ezizwakalayo yokutakula

isimangalo ummangali ngoba nokubuyiselwa ahlangane eside, njengoba umthetho, ngalezi zizathu ezilandelayo:

• Ukuwohloka kwempilo, ukugula okuthile kwezihlobo eziseduze, izingane.
• Ukuhambela ezinye izindawo, ushintsho endaweni yomsebenzi.
• Basebaningi abantu abangakwazi ukufunda - okusho akukho okungabi nalwazi zomthetho, okusho ukuntula ukuqonda imithetho abasakwazi ukuhumusha, kanye nokungakwazi banal ukufunda noma ukubhala ...
• Esinye isizathu, inkantolo yaqaphela evumelekile.

Uma isakhamuzi kufanele uhambise enkantolo, kodwa, isibonelo, ulilethele ngendathane kuphela endleleni ngaphandle komuzi, inkantolo uzohlangana futhi unikeze ithuba ukufaka isikhalazo.

Ubani onelungelo ukubuyisela yisimiso ukulinganiselwa

izinhlangano Legal Awunalo ilungelo lokuphenya nezikhathi yokutakula. Kungakhathaliseki ukuthi isizathu: ngisho noma inkampani itholakala enhlonhlweni, futhi kwana uma kuncibilika iqhwa entwasahlobo, futhi kulokhu, abameli ngeke abe namandla ukwenza lutho. Lokhu credit izikhungo namabhange, iqoqo ejensi eyaziwa, kodwa ngenhloso yokudukisa abaqondi ku izakhamuzi zomthetho. Yingakho lesi siphetho: uma sekudlule isikhathi esanele kusukela, isibonelo, ukuthatha out loan, kungenzeka, kwafika isikhathi, futhi ngemali abanayo ilungelo alulame izikweletu ezinkantolo. Nokho, sekushiwo: isicelo Art. 196 Civil Code kufanele kushiwo ukuthi imigomo kwesokunxele. Izinkantolo azizange Unelungelo izakhamuzi ukuba benze kanjalo. Ngakho-ke, emihlanganweni usadinga avele - okungenani lokhozi novivinyo yakho, ungavumeli izinto ukuthatha inkambo yabo. Uma ungeke ukwati eze ekulalelweni komlandu, ungathumela isicelo esibhaliwe.

Sazi kanjani ukuqala ukubala

Omunye wemibuzo enzima kakhulu ukuthi zibangela ukudideka ngisho ezinye Wabasaqalayo womthetho - ekuqaleni kwesikhathi imincele. Yileyo Idethi okufanele ubale. Timing ngezizathu jikelele - iminyaka emithathu, kodwa esimweni ngasinye ezicashile kuphakama uma izama inombolo naphumayo. Lo mbuzo ukubangela izinkinga ikakhulukazi ngesikweleti futhi loan izivumelwano.

Ukubalwa yisimiso ukulinganiselwa kwenzeka, ngokuvamile ukwenza izinto ezithile ezingokomthetho. Ngokwesibonelo, ukuthenga imoto, ukubunjwa isenzo zomthetho civil, esiphelweni sesimiso isivumelwano sesikweletu, kanye nabanye. Inkathi nemikhawuko sekuyiminyaka emithathu isikweletu egameni labo. Nokho, abaningi benza iphutha ahumushe aphumayo, kuqalwa, lapho udinga ukubala. Sizozama sokulungisa le nkinga.

Isivumelwano sokwebolekwa imali: lapho Ubala kwesikhathi komkhawulo

Ake sithi lo muntu obolekayo wakhipha imalimboleko ebhange isikhathi iminyaka 5, ngo-January 2010 ngo lemali ruble ayizigidi ezingu-100. Of. Ngemva konyaka, ngo-January 2011, inkontileka, futhi iyeke akhokhe izibopho zayo. Lapho kulesi simo-ke ibalwa esikhathini esiyiminyaka emithathu komkhawulo? Kusukela ngo-January 2011, noma 2015? Iphuzu lokugcina umbono ngalolu daba ukubeka seNkantolo Ephakeme sango-WaseRussia. Wathi isikhathi komkhawulo sekuqala esikhathini lapho umuntu ayemkweleta wayezazi kwamalungelo abo. Nge izinhlangano ezingokomthetho Kulula (amabhange, izikhungo microfinance, kanye nabanye.): Kucatshangwa ukuthi banayo ukwazi ngokuzenzakalela ezimeni yokungakhokhi wesikweletu izibopho phezu ingxenye ababoleka. It kuvela ukuthi kulesi simo isikhathi komkhawulo iphela ngo-January 2014.

Kodwa kukhona omunye caveat ezinkulu: iGceke Russian Federation Ephakeme inquma yokukhokha ngayinye isampula ngabanye. Lokhu kusho ukuthi ngo-January 2014 umnqamulajuqu ilungelo Januwari 2011, ngo-February 2014 kuya-Aurora ikhokhele ngonyaka - ngo-February ka-2011 futhi njll Ekugcineni, okweletayo angalali kusibonelo yethu yezinto kuphela ngemva Januwari 2017 ... Kuyinto kahle ukuthi izinhlangano credit, futhi ngigcizelele njalo Nokho, ngokushesha baqalaza ukukhohlwa into eyodwa: uma mangalela ngoba nokuvulwa isikweletu, isibonelo, ngo-December 2016, isidingo kungaba inani loan kwenyanga eyodwa. Ukuqhubeka amabhange nezinye izikhungo abolekise ngeke alibale nokufakwa isimangalo, lemali engaphansi ke uzothola in the end. Yiqiniso, kuphela uma lo muntu obolekayo ngokwakhe wathi lwezikhalazo. Inkantolo ngoba ukwenza kanjalo akuyona kuphela hhayi ukuba, kodwa, njengoba umkhuba zokwahlulela, futhi awukwazi. Kufanele kuphawulwe ukuthi ekupheleni kwenkathi komkhawulo ilungelo ukuqoqa izikweletu ezinkantolo ngokomthetho akusho ukudamba kwesikolodo. Leli bhange libuye unelungelo ukuze ufune imali yabo ngezinye izindlela semthethweni.

kokuphazamiseka

Ekhuluma ukulinganiselwa kanye nemiphumela, udinga ukukhumbula ngalokhu umqondo emthethweni civil, njengoba ukuphazamiseka - kuyinto isenzo nenqubo, okuyinto phinda isikhathi, uhumusha izandla isitophuwashi ukuba ezingasigcinanga isikhundla sazo sokuqala. I ikubeka kucace ukuthi ngesiphazamiso kuphela kungenzeka uma bavumelana duty isakhamuzi, wathola kuye ezithile isinyathelo zekambiso: akhokhe, isivumelwano isitolimende, a kwalokho ebhaliwe, isivumelwano ku kabusha nabanye.

Iziphi izenzo zibhekwa ngokungalungile nokuphazamiseka

Ngokuvamile amabhange kanye abaqoqi ukwethula izakhamuzi kalula astray: bathi noma iyiphi ingxoxo yocingo, oxhumana naye phinda isikhathi ukufaka izimangalo. Ngenxa yalesi sizathu, izakhamuzi abaningi ngephutha wesabe ukukhuluma abasebenzi yisikhungo sezinhlangano eziphambili zezezimali. Ngokomthetho ingxoxo yocingo ngeke kuzosetshenziswa njengobufakazi uma sekuqhubeka, ngisho noma okweletayo uvumelana ngokugcwele nalo lonke izidingo, okungukuthi, ukuba ukusetshenziswa audio - .. indlela Kunalokho nzima futhi kuyabiza. Kuzoba kusadingekile ukuba kufakazelwe le zokuthenga ngesikweletu, okuyinto ngakolunye ekupheleni wahlala ngenxa okweletayo. Uma inkantolo ngeke wokugcina ke le ndlela kuyinkinga kakhulu.

Eyesibili kahle - ukucabangela kokuphazamiseka emva isikhungo ukutusa inkantolo izwe, futhi ngenxa yalokho, umyalelo wenkantolo. Abakweletayo banelungelo ngaphandle namaphuzu bhala uhlu lwezikhalazo ukukhansela ke. Nokho, amabhange kanye abaqoqi sebeqala baphikisa ngokuthi ngale ndlela kokuphazamiseka iphutha. Lena akuyona ngakho. I Civil Code ngokucacile ukuthi i uphazamisa kwenzeka kuphela uma lo muntu obolekayo ungaphakathi Ngivumelana ngokugcwele zonke izidingo yomuntu obolekisayo. Ukukhansela umyalelo wenkantolo nje kufakazela iyiphi ukungavumelani.

Yini agumenti ungenalo yisimiso ukulinganiselwa

Kukhona tinchabano tenhlalakahle ngaphandle isimiso ukulinganiselwa eziningi. Basitshela lokuvikeleka kwezifiso ezisemqoka amacala ahlobene ukuvikelwa nobukhulu, wokubhadela umonakalo zokuziphatha ukuze izenzo ekhubazekile. Lelo lungiselelo senzelwe, ngaphezu kwakho konke, ku ukuvikelwa zezomthetho isakhamuzi, ubuntu bakhe, ngokuvumelana noMthethosisekelo, nezingqungquthela zomhlaba kanye nezivumelwano. Lokhu kuyaqondakala: isibonelo, abantu baye bafunda eminyakeni emithathu kamuva ukuthi wayekade lanyundelwa. Ukuletha abenza amacala engasakwazi, amnike isigwebo kakhulu. Nokho, lokho akusho ubuhlungu ukuxhumana isisulu enkantolo axolise sezikhulu okonile. Ubuye ilungelo kufunwe isinxephezelo umonakalo zokuziphatha.

Umthelela wale ekupheleni kwesikhathi esiyizinsuku ezinga komkhawulo

Sihlola imithelela kokuphela izidingo ukufaka icala. Kwenzekani kulesi simo, isibonelo, nesivumelwano sokubolekwa? Phela abantu zomthetho kungukuthi banelungelo lokudonsa kwesikhathi ngaphansi kwazo zonke izimo. Lokhu kuboniswa ngokucacile lelipelwe e Code Civil. Abantu abaningi bacabanga ukuthi uma yasebhange noma credit inhlangano aphuthelwe kwesikhathi komkhawulo ukutakula ngokusebenzisa inkantolo-ke kukhona ukudamba kwesikolodo. Empeleni lokhu akulona iqiniso: naphezu umnqamulajuqu yokuvuma uma kuhanjiswa enkantolo, umuntu ayemkweleta azigcina ilungelo nezimfuneko ezikweletu. Lokhu kusho ukuthi okweletayo ingakafundiseki lokhu isimo. I plus kuphela - awukwazi ukumangalela kwakhe. Kusukela yokutakula ophoqelelwe komhiaba, kuhlanganise ukuboshwa kungenzeka kuphela ngokusebenzisa bailiffs senkantolo - amabhange kanye abaqoqi kuphela ithuba esizwakalayo "knock out" nesikweletu, kuleli cala - ukukholisa okweletayo ukubiza esingasiza unembeza wakhe. Izakhamizi abangamazi imithetho, "ukuxwayisa" ukuboshwa impahla, nakuba bazi kahle ukuthi abukho ukuboshwa semthethweni ayikwazanga ukuthola, futhi ukuwa okungagunyaziwe ngaphansi necala lobugebengu.

Njengomthetho, kukhona izikweletu bhala-off uma zonke iphelelwe isikhathi ngangokunokwenzeka ku nezivumelwano zezikweletu edlule. izenzo ezinjalo yokuzithandela, kungukuthi livikeleke umthetho. Lokhu kusho ukuthi amabhange yezimanga ukubhala ukukhokha isikweleti sakhe, hhayi ukukwenza. Nokho, esimweni sesibili, iphesenti yokutakula sincane kakhulu. Paid noma izakhamuzi abazi futhi unesibopho ikakhulukazi abafuna ukufeza izibopho zabo, ngokwazi ukuthi azikho imiphumela omubi ukuboshwa impahla ngeke, noma ngokomthetho izakhamuzi futhi bengafundile - abazi ukuthi zazingekho izinhlawulo akukwazi. Ngezinye izikhathi kuba khona labo abakholelwa nje ungafuni baphazamiseke by kushaya lucingo, tincwadzi kanye nokuvakasha.