Gawo - ndichiyani? chiphaso cha gawo la

"Zonena" kapena mawu akuti "gawo" kawirikawiri anamva pokambirana ankayendetsa zokhudzana ndi kugula, kugulitsa kapena pangano la chuma chenicheni. mawu awa kupereka phindu olakwika pozindikira iwo monga ofanana. Koma pambuyo pawo kwathunthu mfundo zosiyana zomwe ndi asapita ndalama maphwando kwa mgwirizano. Pasadakhale - ndi prepayment pulayimale, zingakhale tsankho kapena chokwanira komanso angongole olembedwa kapena m'kamwa pangano. Komabe, ngati iwowo si wonyamulidwa, zotsogolerazo adzakhala refunded kuti samalipira wa.

Gawo: chimene chiri ndi zimene ugwire

muyeso wotero, monga kupereka gawo amaperekedwa kuonetsetsa litsatidwe. Malinga ndi tanthauzo limene amapereka Civil Code, gawo ndi udindo pa onse timakhala zachuma. Tinganene, thandizo muyeso ili pa mapeto a mgwirizanowo ntchito yobweretsa waukulu komanso mu ndondomeko ya kusintha kwa umwini wa malo.

Mfundo yaikulu ya gawo limene anagwirizana ndalama kuika pa kutaya limodzi mwa magulu ndi pangano likuvutika zasungidwa m'tsogolo, malinga ndikupeleka. Ngati mgwirizano sangathe anaphedwa chifukwa vuto la samalipira, ndipo omwe amasindikiza sati anabwerera ndi kukhala ndi mwini chuma kapena Wopereka malipiro zomvetsa zotheka. Komabe, ngati inu kutsirizitsa mgwirizanowo chipani, amene adatenga chuma, kuchuluka ayenera anabwerera samalipira awiri. Wolipira mukhoza kupeza ndalama lako kuchuluka pachiyambi popanda ndikupeleka kokha pamene pali cholinga zifukwa zimene sikukutanthauza chifuniro cha zipani ndipo salola kuti akwaniritse mawu a pangano.

Kulemba

Kaya pangano nkhani, kupanga ndalama, amene ankamuona ngati gawo, kuyenera aphedwe bwino, kokha mu kulemba. Kupewa kusamvetsetsana, zipani adzakhala akatunge ndi kulemba chikalata limafotokoza kuti ndi kuchuluka kwa depositing ndalama.

Mbali yaikulu ya zolemba izi amatumikira anangotchula kuvomerezedwa anayambitsa mwa gawo a. Apo ayi, ngati mkangano bwalo akhoza kuzindikira kuchuluka lolipiridwa pasadakhale ndiponso m'tsogolo kuti maweruzo pamaziko a tanthauzo limeneli. Zikatero si zachilendo chifukwa cha zolakwa yokonza chikalatacho, kapena kugwiritsa ntchito mawu akuti "gawo".

Kodi "zalembedwa" gawo? Izi buku la mgwirizano kapena chiphaso, kutsimikizira mfundo za kulanda katundu ndi ngongole ya zipani mogwirizana ndi pangano pakati pa iwo. Chikalata za gawo la akutumikira monga mnzake womuyenerera ndi pangano olembedwa pakati pa zipani, zimene zikusonyeza nkhani za malonda, za zochitika zokhudza iwowo, tsiku la ndalama otsala, komanso ndondomeko khalidwe la zipani likhoza mphamvu majeure.

Gawo: kodi gawo mgwirizano

Pangano pa ndalama kulowa mtengo wa zogula m'tsogolo akhoza chikalata ngati chikalata osiyana kapena kuchita zinthu monga mfundo imodzi ya mgwirizano kuyambirira anaigulitsa. Mulimonsemo, gawo pangano (nyemba akhoza dawunilodi ku maukonde kapena choperekedwa ndi odziwitsa a) ayenera kukhala mphamvu malamulo.

Izi zikutanthauza kuti chikalata malinga ndi dongosolo linalake ndi chizindikiro pamaso pa loya. Cash akhoza anasamutsa pokhapokha mgwirizano lonjezolo ndi gulu lonse.

Kodi chomveka chiphaso cha gawo

The Civil Code silinena mtundu wa chikalata ayenera kutsimikizira mfundo za kulanda gawo la akusonyeza yekha kuvomerezedwa Analembera mawonekedwe a pangano. Ngati ophunzira ubale ndalama sangathe kapena safuna kugwiritsa ntchito muyezo mgwirizano, ali ndi ufulu kulemba chiphaso. Analemba bwino, mtundu wa chikalata ndi mwalamulo kumangako ngakhale popanda chitsimikizo ndi odziwitsa ndi mboni anasaina. Komabe, madokotala ambiri amavomereza kusamalira pamaso pa kusindikiza pa polandirira msonkho gawo monga udindo chitsimikizo zina.

mfundo zikuluzikulu zimene muyenera mwachindunji pa chiphaso cha

Lamulo sakakamira zimene mawonekedwe ayenera chiphaso cha polandirira msonkho gawo Komabe, likutchula mfundo zimene ayenera m'gulu chikalatacho. Choncho, pangano mu zolemba za mtundu uliwonse, zikalata kulanda chuma, muyenera kupereka zinthu zotsatirazi:

1. Title: mutu wa bukuli.
2. Onani nthawi ndi malo kukonzekera.
3. Zoti zipani ndi pangano. Mutu kuchepetsa kuvomerezedwa dzina mokwanira, dzina pakati ndipo dzina lotsiriza la wophunzira aliyense, komanso mawu olembedwa a mawu "wogula" ndi "wogulitsa".
4. Kufotokozera za nkhani: phindu n'zosangalatsa kumva za anasamutsidwa ndalama Kwalamulidwa ndi manambala ndi mawu. Chinanso chofunika ndi kukhazikitsa maudindo ndi kugwiridwa ndi zipani.
5. Chigawo zotsatirazi limafotokoza zinthu, podziwa kuti zipani ntchito kuti azichita zinthu anavomera. Mndandanda wa zinthu zikuphatikizapo deadlines kukhazikitsa wa ndikupeleka, wogula ndi udindo mtsukowo wina kuchuluka ndi lonjezo la wogulitsa kusamutsa ndi chinaneneratu chinthu kapena chinthu wogula.
6. Kufotokozera a zochita za maphwando mu mwambo ofikira. Zochokera chakuti chiphaso certifies kuti alandire gawo, kupereka ndalama anakhumudwitsa chifukwa sanali kugwilizana ndi ngongole yake imagwera pa ankalamula kuti: kukana kwa wogula anali wamaliseche, iye wotaya kuchuluka kwa chuma, ndi kuphwanya zikhalidwe za iwowo ndi wogulitsa, adzakhala kulipira wogula lofanana awiri a gawo lapansi.

zina zambiri

Pambuyo pondandalitsa mfundo zazikulu za nkhani ndi zinthu pangano ayenera kukhala molondola zotheka ndi kulongosola mwatsatanetsatane mfundo za ophunzira a munthawi imene pangano umakhala ndi zina zinthu zina (ngati).

Kuti mudziwe dzina, mfundo pasipoti, adiresi ya wogula ndi wogulitsa.

Mu ndime yomaliza akusonyeza kuchuluka kukhala mbali. Kuvomerezedwa mawonekedwe a mbiri ankaona view wogula ndi "adalembera: siginecha, dzina anenedwanso", komanso ndi nkhani wogulitsa ( "ndinalandira: siginecha dzina").

Kodi muyenera kupereka ulemu wapadera kwa

Kuonetsetsa chilungamo kukhazikitsa kudzipereka onse yokonza pangano olembedwa kusamutsa gawo zisonyeze kuti alipo mu mabuku awiri, komanso mndandanda zikalata nthauza wogulitsa kuti tagwirizana.

N'chimodzimodzinso deta za chinthu pangano, makhalidwe ake chachikulu ndi malo.

Chapadera kwambiri ndi kutsimikizira mfundo yakuti kuchuluka anasamutsa adzaukitsidwa mu mtengo wa anagula chinthu. Komanso, musaiwale za mzera zokhudza kusintha kwa mitengo: mtengo wa katundu akhoza kusinthidwa ngati pambuyo pokambirana ndi mgwirizano wa mabungwe onse.

Chifukwa khalani maso

Monga ulamuliro, ntchito dongosolo kuphatikizapo prepayment kapena gawo ntchito mu ntchito wotuluka lalikulu. Ichi ndi choona pa ntchito ndi malo, magalimoto, komanso kugula muyezo wa katundu aliyense. Nthawi zambiri likamanena lalikulu kwa ndalama ndondomeko zosiyanasiyana wotuluka achinyengo.

Osati kukhala ndi matumba kanthu ndi makhalidwe oipa, muyenera kudziwa mitundu yofala chinyengo, njira kwa kudziwika kwawo ndi circumvention.

Kodi kuti asamale pamene kupanga gawo

Mitundu yofala ziwembu chinyengo monga:

• Mobwerezabwereza chiphaso cha ndalama ndi wogulitsa kwa chinthu umodzi. Childs, wogula lipeza, popanga dipo zotsatira yomweyi inakambidwanso osati kwa iwo.
• Pamaso pa okhudzidwa, popanda chilolezo cha ndikupeleka kuti sangathe anamaliza (olowa, ana, pensioners, co-eni).
• Akulonjeza intermediaries kugwirizana ndi mathamangitsidwe ndi zosabvuta kwa zolembedwa zofunikira. Kudutsa yoyambirira yeniyeni ndi kuchuluka kwa chuma, ndi wogulitsa ndi wopanda chitsimikizo cha mtundu uliwonse.
• Chiphaso cha gawo pa nyumba, zomwe ziribe chiyero malamulo, ndiye pali nkhani zina maganizo okhudza ufulu wa Wogulitsa kutaya chinthu.

Kuvuta zimene ndi kusamvana awo kumafuna ndalama nthawi zokhudzana ndi kutalika zikuchitika. Nthawi zambiri, wogula wakonda kusiya amanena kuti wogulitsa, ngakhale anapanga kutaya ndalama ndipo palibe chiyembekezo cha kubweranso kwa gawo lapansi.

Chilamulo & Order

Mu njira zambiri, kuteteza chilungamo ndi mitsempha maselo zimadalira mwanzeru ndiponso moyang'ana m'tsogolo wa munthu. Pali ena nsonga chilengedwe kutsatira kuti mwina adziteteze ku mitundu ikuluikulu chinyengo:

1. Cooperation ndi mabungwe akuluakulu. maluso awo ndi mbiri kulola antchito kuchita cheke mokwanira ndi kulimira makasitomala lovutali.
2. Independent kuphunzira zinthu zina za ukulu wa kufotokoza kuti zinthu mtsogolo.
3. Kukafola ndi Chikalata chimene boma: mgwirizanowo gawo (nyemba ndi kuti kukhuta bwino agwirizane ndi odziwitsa a).
4. riziki A mu mgwirizano kapena chiphaso okha ndalama yeniyeni ya dipo lolipiridwa.
5. Yotsimikiza wogulitsa zikalata, komanso pamaso pa kusaina pangano mgwirizano wa mabungwe onse (eni, Atetezi mkazi).
6. Chongani wogulitsa mphamvu mu matupi zogwirizana.
7. Kuchuluka kusamala pochititsa ankayendetsa zachuma tidzakulowereni. M'pofunika onani osati chizindikiro cha mwini wa chinthu, komanso ofesi kuti chikalata izo. M'pofunika komanso kuphunzira malamulo okhudza malamulo a ndondomeko ya issuance ndi kuchotsa mphamvu yovomerezedwa.

Information za wotuluka m'mbuyomo kuti anapangidwa ndi malo, zilipo pa pempho pa BTI, ndi udindo panopa wogulitsa - mu maganizo kapena mankhwala dispensary.

Kodi mtengo chopulumutsa

Atilandire phunziro la chilamulo ndi malamulo a kalembera wa wotuluka zogulitsa, ogula ndi ogulitsa amadziwa kuti zosavuta tipezekemo thandizo la akatswiri. Mukamachita zimenezi, mukhoza kuchepetsa kuchuluka kwa ntchito imene idzachitika mwachindunji chipani pangano chifukwa chakuti ambiri ntchito kumachititsa mkhalapakati.

Komabe, kuthamangitsa ndalama kapena nthawi chuma Musataye maso ndi kusonyeza mwachimbulimbuli kwambiri. Care ndi maziko lolingalira kumathandiza kupewa mavuto ambiri.