Art. 395 wa Civil Code. Udindo kulephera udindo ndalama

Udindo kulephera kwa kutsatira ndalama zotchulidwa panopa Russian Federation malamulo. Makamaka ntchito za oletsedwa ndalama anthu ena ziletso zakonzedwa Art. 395 wa Civil Code. Ndemanga pa nkhaniyi angapezeke m'munsimu.

udindo pa lamulo

Lonse ndalama mu zolowa za chuma, komanso zolinga wamba, pazikhala kufanana awo ambiri zina mwa zinthu zazikulu zimene zimapezeka ku nkhani ya udindo wa ndalama. chinthu chomwe anasankha chikugwirizirana katundu yeniyeni, choncho m'pofunika kukhala ndi udindo mwapadera maziko a lamulo, kubwera mu nkhani ya udindo sanali ndalama ndi chibadwa. Art. 395 wa Civil Code ndi ndemanga ndi ndendende amasonyeza mawu zofunika ndi zinthu, amene cholinga zonse udindo pa zimenezi. Nkhaniyi ili kwa mavomerezo pa kuchita sanali kugwilizana ndi ndalama.

M'munsi mwa udindo pa

Monga zingachitike kuphwanya udindo wa ndalama? Mwachibadwa, fomu imodzi yokha - ndi kuchedwa alipire Uwerenge lonse la ndalama kapena mbali yake, malinga ndi zimene zinthu zotchulidwa maphwando mu mgwirizano. Izi chinthu chimodzi komanso amaponya udindo mu funso padera pa maudindo ena.

Choncho, maziko kubweretsa munthu amene waphwanya udindo ndalama, udindo adzakhala Khrisu sanali alipire ndalama pa nthawi inayake ndi zipani. Chinthu amakhudza kukhazikitsidwa kwa udindo wa ngongole komanso kugwiritsa ntchito Art. 395 wa Civil Code ndi njira imene anagwiritsa ntchito ndalama - chilolezo kapena mwalamulo.

zomvetsa

Mu asapita ano msika, chamangidwa amasiku ano, munthu aliyense tikugwira bizinesi, kaya akhale wodziwa bizinesi munthu kapena bungwe malonda, amagwiritsa ntchito ndalama wake. Nthawi zambiri invests izi ndalama kwa likulu ntchito, komanso ena zolinga zofunika malonda. Pankhani poipa kwambiri kwa amalonda kuika ndalama ngati mabungwe ndalama madipoziti, amene nawonso amalandira ndalama zina. Kukachitika kuti wamangawa sabwerera munthu woteroyo pamaso ndalama Choncho si kukwaniritsa udindo wake mu wazamalonda munthu kapena gulu pali wosaperewera ndalama, umene ankafuna. Iye sangakhoze kutumiza ndalama ku chitukuko kapena kukonza malonda, ndi zinthu zina zingakhale zinadzala ndi kuwonongeka ndithu, ngati si kugwa choncho malonda. Ife wokongoza mokondera wamangawa akanali njira yokhayo kupewa kuvulaza, ndi kupeza ndalama loaned. Nthawi zambiri, amalonda ndi kutembenukira kwa mu mabanki, amene amadziwika ngongole imeneyi amafuna Malipilo awo operekedwa ndi kuchuluka kwa ndalama analandira. Pano pali chidwi pa luso. 395 wa Civil Code, ndi lidzachitiridwa monga imfa imene inachititsa defaulting wamangawa ngongole, ndi sankapereka ake. Ngati anapereka ndalama pa nthawi ndi nthawi, wokongoza analibe chofunika ntchito ku Bank. Choncho, imfa ayenera kulipidwa ndi violator udindo ndalama.

Musaphwanye kutsimikizira

Ngati ife zichokera tanthauzo la Art. 395 wa Civil Code, amene okhudza n'zotheka kukhazikitsa mphamvu wobwereketsayo kukakamiza kuchokera pa wake wamangawa pamene udindo ndalama anagwiriridwa, ndi wopanga malamulo sakhala zinzawozo ndi ngongole ngati yotsimikizira choona kuti iye zinayambitsa aliyense kumawononga. M'mawu ena, ngongole ndi salamulidwa kuti atsimikizire zikalata umene analipira chidwi kwa gombe, pambuyo anakakamizika kupeza ngongole. Lang'anani, tiyenera kutsimikizira ngakhale kuli ngongole, zomwe iye amayenera kutenga chifukwa cha kuphwanya maudindo a wokongolayo.

Komano, wokongoletsayo sadzakhala ponyamula komanso udindo wa kusonyeza kuchuluka kwa ndalama kudzipereka wolakwayo kuti mwalandira, pogwiritsa ntchito ndalama za anthu ena mosavomerezeka. Komanso, wokongoza ali ndi ufulu wotilamula chipukutamisozi kumawononga, kaya mfundo ngati ngongole ntchito sanali kubwerera kwa ndalama, ngati iye analandira kwa iwo phindu lililonse, kapena ndalama ambiri sanagwiritse ntchito.

chidwi banki

Komabe, kuti zomvetsa wokongoza adzakhalabe ndi chinachake kutsimikizira. Izi ndi kuchuluka chidwi banki, amene umagwira ntchito mu dera la malo ya gulu kuti apereka ndalama ngongole, kapena m'chigawo cha nyumba yogonamo ngongole-nzika. Komabe, kupeza umboni choterocho si chikugwirizana ndi mavuto alionse, kalata ya chiwongola dzanja banki popanda vuto akhoza kuwapeza bungwe lililonse la ndalama loterolo. Ku maganizo a malamulo zochita zimenezi n'zomveka ndithu. Musati mu nthawi ndalama wokongoza, monga ulamuliro, kupita ku malo a nthambi banki chifukwa processing ngongole. Nthawi zambiri, ngati banki kale kutumikira wazamalonda izi.

Mosiyana ndi malamulo yapita

Tikumbukenso kuti nkhani yatsopano. 395 wa Civil Code si kukhazikitsa azisiya chidwi kotsutsana ndi udindo ndalama ndi nzika kapena gulu ayenera kulipira ngongole yake. Mphamvu imeneyi mpaka Civil Code kuchuluka kwa chidwi anatsimikiza panopa anakhazikitsa mlandu chiwongola dzanja la banki.

mlingo Bank

Mlingo kuchotsera chidwi banki - ndichiyani? Civil malamulo salola tanthauzo limeneli decryption aliyense, kukhulupirira kuti m'pofunika potengera tanthauzo mwachizolowezi wa limagwirira chuma umene anatumikira ndi motsatana. Pa mfundo imeneyi, n'zotheka kunena kuti nkhaniyi n'chakuti mitengo kuti ntchito pakadali pa msika chuma. M'mawu ena, mitengo ya ntchito ndi mabanki pamene kupereka ngongole kwa makasitomala.

Mogwirizana ndi osiyana a msika chuma, pamene mtima wa mitengo ankaona mosakayikira ndi kutengedwa kumka ku nkhani inayake zinthu zomwe imakhudzana ndi udindo wa breached. Umodzi mwa imeneyi, ndithudi, nthawi ya ntchito kosaloleka ndalama, mtengo wa ngongoleyo. Nthawi anthu kumene ngongole dziko ndi yosiyanasiyana mabungwe a zachuma ndi chidwi mu aliyense wa iwo amasiyana mzake, mlingo wa Art. 395 wa Civil Code ntchito pakuchitika, anasonyeza kuti kuchuluka pa annum.

The mawerengedwe chidwi banki

The Civil Code amati Tinganene tsiku limene kuchuluka chidwi masamu pa tsiku limene udindo ndalama zidzakwaniritsidwa. Komabe, tiyenera kuzindikira kuti chidwi banki m'malo mwamphamvu poyera osiyanasiyana yofanana. Chotero ngati wamangawa kulola kuchedwa yaitali, pali chiopsezo kuti wokongoza sanalandire chipukuta misozi kwa zomvetsa anakhumudwitsa chifukwa cha kuphwanya udindo ndi ndalama. Mu zinthu izi, wopanga malamulo amapereka kuthekera kwa ngongole kuti kupeleka amanena pansi Art. 395 wa Civil Code kuti monga zoti zomvetsa zochokera mitengo banki mosavuta pa tsiku kugonjera kwa maganizo amenewa. Iwo akhoza zochokera kuchuluka kufunika ndipo pa tsiku kuchita chiweruzo. Mulimonsemo, kusankha bwanji kugonjera zofuna zawo chili ndi wobwereketsayo.

A kuchuluka ena ya mgwirizano

mchitidwe Normative inakhazikitsidwa kuti chiwerengero cha chidwi kuti adzafuna kulipira ngongole amene anachedwa udindo ndalama zingadziŵike osati mwa lamulo, komanso mgwirizano wa zipani. Mwina pa nthawi, chifukwa chizolowezi cha lamulo kuti liberalize izo, imeneyi chidwi adzakhala zolamulidzwazo potsata mwambo, adzakhala yafupika pang'onopang'ono yochepa.

Contractual mawonekedwe kudziŵa chidwi ngati ayamba kuwonjezeka ntchito pochita bizinesi oimira malonda. Ichi ndi chifukwa chakuti obwereketsa Motero kuyesa kuchepetsa mavuto awo motsutsa likhale Kusakhazikika mu chitukuko chachikulu msika kusinthasintha ake nthawi zonse. Nthawiyi, ngakhale malamulo ndi musadandaule malamulo alionse kuchuluka chidwi kuti zimaonekera pangano pakati pa zipani (mgwirizano), izi sizikutanthauza kuti ophunzira ubale yapachiweniweni tingadziwire iwo mu kuchuluka umasinthasintha. Choncho, Civil Code imalongosola malire mwa zomwe ufulu zingagwiritsidwe ntchito. malire amenewa Mwachitsanzo, zakonzedwa ngati ufulu ndi tasonyeza kuchepetsa mpikisano kapena nkhanza za malo lalikulu ndi bungwe ena.

Mchitidwe makhoti

Court mchitidwe review mikangano yapachiweniweni kwa tsiku ili. Nthawi pamene munachita maphwando anavomera pa zinthu ziri momwemo, zimene zinachitikira kuphwanya udindo ndi wokongolayo ndi ngongole mwina mlandu chilango kwa iye pansi Art. 395 wa Civil Code - chilango, kenako iye sangathe Umafuna zambiri ndiponso kusonkhanitsa chidwi chifukwa chomwa ndalama za anthu ena. Chotero malo ndi ya mabwalo a milandu chigamulo chifukwa chakuti, malinga ndi malamulo a Civil Code, sikutheka kuti asanene miyezo iwiri ayenera kuti ngongole kwa chokhumudwitsa chomwecho.

Pamene zomvetsa chidwi kwambiri

Kwenikweni zikamera wa lotereli kumene wamangawa ngongole mwina chifukwa zomvetsa chotero, chomwe ndi chodziwikiratu kuti anaphimba kulandira ndalama, accrued chidwi. Zikatero ndi wokongoza ndi wokakamizidwa kuti umboni wa mfundo imeneyi, ndiye, iye ayenera kutsimikizira kuti imfa iye anali ndi kukula wokulirapo. Pa Kuthetsa nkani zochimwilana pakati amenewa ndi makhoti kutsatira malamulo onse a chilamulo ntchito kwa udindo pa kulephera kukwaniritsa udindo. Zochita zoterezi n'zochepa. Iwo amayamba ndi chakuti mitengo banki chidwi kusinthasintha makamaka kuganizira zinthu zachuma zikuchitika mu dziko, ndipo ichi, nayenso akhoza kukhala maziko a kugonjera zofuna ina iliyonse wokongoza pa chipukutamisozi kumawononga zina. Choncho, ngati zinthu zingakhale depreciation ndalama kufufuma kenako.

Mawu akuti, limene limayamba ndi accrue chidwi

Amadziwika kuti chidwi ndi masamu pamaso leni mawerengedwe tsiku ngongole ndi wokongolayo. Mwa lamulo kapena mgwirizano wa zipani, nthawi imeneyi mwina adzafupikitsidwa. nthawi imene kuyamba nawuza chidwi, wopanga malamulo a siliyankha anapereka.

Komabe, amaganiza kuti mawerengedwe a luso. 395 wa Civil Code ayenera idzachitika kuyambira siudzalandilidwa ngathi lamulo la kumanja ngongole kuti alandire ndalama zawo. Mwachitsanzo, ngati mgwirizano pakati pa ngongole ndi ngongole ndi tsiku lomalizira kusamutsa ndalama mwachindunji loyamba, accrual chidwi ikhale pa tsiku lachiwiri ofikira. Ndipo mu zochitika kumene udindo adanyamuka wokongolayo pambuyo polandirira msonkho chonena ngongole Mulungu, accrual chidwi ayenera idzachitika popeza mapeto a nthawi kuchita masamu powonjezera kuti tsiku la nthawi pempho bwinobwino wofunikila kuphedwa zonena za wokongolayo.