Kodi kuchita ngati kuopsezedwa ndi okhometsa? Kodi khalidwe?

Monga wag munthu wochenjera :. "Banja lili ndi ngongole" Ndi. Kuyambira zipangizo m'nyumba yomanga kwawo - anthu ambiri kutenga ngongole zosowa zosiyanasiyana. Komabe, chomvetsa panopa ali kuti ndi ndalama zonse mkulu lero si choona kuti adzakhalabe kwa nthawi yaitali.

The zifukwa mavuto mwadzidzidzi ndalama zikhoza kukhazikitsidwa. Munthu afunika ndalama, iye akutembenukira kwa ngongole bungwe, yolembedwa ndi pangano loyenera, amalandira ndalama, ndi chidaliro chakuti mukhoza kulipira ndalama mwezi wa bungwe ngongole. Ndipo patapita kanthawi china chake chalakwika: pali mavuto aakulu azachuma, ndipo pamodzi nawo atafika pakhomo ndi okhometsa. Inde, osati chenjezo wowona, ndipo ndi zofuna Loti kuti abwezere ngongole ndi chidwi accrued. Kodi kuchita ngati kuopsezedwa ndi okhometsa pa foni ndi munthu, nkhaniyi idzafotokoza.

Polimbana ndi okhometsa?

Ngati inu sanamve, ndipo aliyense ankadziwa pang'ono za chodabwitsa okhometsa, koma tsopano iwo achita ndi yotchuka kwambiri. Ndipo popeza kuti pali mwina kale anamva zonse. Inde alibe malamulo zodziwika bwino za "kugodomalitsa" mangawa kwa amangawa kwambiri, okhometsa oongoka pazochita zawo si nthawi zonse ulamuliro wa "mphamvu zofewa," ndipo mosemphanitsa. Iwo nthawi zambiri amayamba ndi kuopseza mwachindunji ku adiresi defaulter ndi kufikira zochita amene akugwa pansi zochita wachifwamba. Masiku ano, anthu ochepa mukudziwa momwe angachitire ndi chochita ngati kuopsezedwa ndi okhometsa ngongole.

Ngati wobwereka pokhalabe mavuto azachuma, ndipo mwinamwake ali ndi mwayi msonkhano mwamsanga kapena kucheza ndi wokhometsa, inu basi osati kuchita mantha. Muyenera kumvetsa amene chilamulo Russian m'gulu kuti okhometsa, kodi ufulu ndi udindo wawapatsa. Kuchenjezedwa - ndi forearmed.

inu ndinu amene nzika ya wokhometsa chiyani?

Mwatsoka, pa mphindi palibe boma malamulo enieni amene zikuonetseratu poyera zoyenera kuchita ngati wina akufuna ndi okhometsa, ndipo kuti zonse zochita za anthu amenewa.

Kukhala enieni, ndi ntchito ya Chilamulo Federal "Pa deta ntchito" ali, izo kale ovomerezedwa ndi State Duma, koma amabwera mu mphamvu pa January 2017. Ngati tiyang'ana pa ndalamayi, tiyenera kuzimvetsa pansi chamutu zotsatirazi.

Wokhometsa - munthu aliyense amene walowa mu mgwirizano ndi abwana ake, ndicho gulu la chopereka, kapena formalized ngati wazamalonda munthu, ntchito yaikulu imene adzabwerera ndi zaulere ndalama wokongoza, amene kugwiritsa ntchito udindo wa arrears. Ntchito okhometsa limapezeka pa maziko malonda.

Zocitika za okhometsa

Zochokera chakuti lamulo sanabadwe adalowa mphamvu, zochita, makamaka zimene oletsedwa la okhometsa maloya ambiri amakayikira. Rospotrebnadzor ndi Anayambitsa onse liletse ntchito ngati kapena enactment othamanga wa malamulo kofunika okhometsa. Borrowers angathe kudziwadi za zinthu zosiyanasiyana ngati kuopsezedwa ndi okhometsa, zoyenera kuchita. Nkhani Chilamulo № 353 "Pa ogula ngongole" imene panopa tingati akadali chimatanthauza mawu Buku ndi udindo wa okhometsa:

• ntchito ndi amangawa pa misonkhano munthu kukambirana telefoni mwina maimelo ndi mauthenga SMS;
• wokhometsa ndi amafunika kugonjera: kupereka dzina lake, mawu, gulu la chopereka, ngati palokha;
• okhometsa nkhanza amangawa oletsedwa pa mlungu kwa 22,00 kuti 08,00 ndi kumapeto kwa sabata ndipo tchuti ku 20,00 kuti 09,00.

ntchito iliyonse, kanthu ina iliyonse wokhometsa, koma zinthu zakumwamba ndikoletsedwa. Osanenapo chiopsezo wowopsa analembera borrowers komanso mabanja awo. The kuchotserapo ndi zina zochita ndi "wolakwayo" wobwereka, amene alembedwa mu mgwirizano ngongole yolembedwa ndi kukongoza bungwe ndipo wobwereka.

Amene akhoza kukhala wokhometsa?

Lamulo kusodza "Pa deta ntchito" amaletsa anthu awa m'malo udindo wa wokhometsa: olakwa kale mlandu wochita mlandu munthu wa boma, komanso dera zachuma, kutsutsidwa amene alibe inatha kapena sichinayambe kuchotsedwa, ndi anthu amene sali wokhala m'dera la Russia.

Kodi wokhometsa amapita ku wokongolayo?

Pali njira ziwiri zimene wokhometsa ndi "wovulalayo":

1. Mawu a bungwe mu nkhope ya kuyitana kwa akatswiri thandizo banki wokhometsa gulu kusonkhanitsa ngongole overdue ku wobwereka amene sakufuna kapena sangathe kulipira ngongole yanu. Pankhaniyi, ngongole anabwerera ku nkhani gombe, ndipo wokhometsa amachita ngati mkhalapakati pakati pa ngongole ndi bungwe ngongole. Chabwino, kuphatikiza kosavuta: banki afika zochepa za vuto, ndi wokhometsa amalandira ndalama mphoto.
2. banki amalipira wokhometsa gulu la ngongole defaulter awo, ndipo tsopano wobwereka ayenera sizingafike ku banki, ndipo makamaka zosonkhanitsira bungwe.

Nthawi zonse, wokhometsa amalandira mfundo patokha wobwereka ndi kale nzeru zake yekha akuyamba kugwira naye ntchito. Lachiwiri angakuchitireni, pamene wokhometsa ntchito mwachindunji mu mtima wake, kubwera zoipa kwambiri ndi oopsa kwa thanzi ndi moyo wa defaulter ndi milandu banja lake. Banks, pamene zogwirizana ndi borrowers ake ntchito modyerera kwambiri, popanda kuwaika kumuopseza chifukwa iwo kusamala mbiri yawo.

Ulamuliro waukulu wa khalidwe la wokhometsa ndi

Kodi kuchita ngati kuopsezedwa ndi okhometsa? "Odekha, koma bata!" - ndi Mwambi kwa kukambirana ndi mabungwe woimira deta. Mu zilizonse, mwa munthu kapena pafoni kapena kulankhula ndi wokhometsa, inu muyenera kukhala ndi maganizo wofatsa ndi kukumbukira wokondedwa. Kumene okhometsa ambiri amakonda telefoni ndi wokongolayo, koma chimachitika ndi misonkhano munthu.

Ngati wokhometsa yafika kunyumba

Ngati inu kwenikweni "mwayi" kutsegula chitseko chamutu, ndiye ife tikhoza kupereka malangizo. Munthu onetsetsani kuti amafunsira za nzika amene anabwera: ndani, malo, kumene wokhometsa mabungwe yeniyeni.

Kodi kuchita ngati kuopsezedwa ndi okhometsa? Pa nawo, zingakhale zabwino kugwiritsa ntchito kujambula ma CD a kucheza podziŵitsa wakubayo pasadakhale. Mwina adzateteza wamangawa cha khalidwe kuchepa wa posungira ndi kuthekera kuwopsyeza kwa defaulter ndi banja lake, kapena, ngati kuli kofunika kutero, adzatumikira monga umboni kuwaopseza ndi kulanda kukhoti. Ngati wokhometsa ndi mwamphamvu anapempha kusaina chikalata chilichonse, Mulimonsemo, akhoza kulemba chilichonse.

Kodi ngati okhometsa foni ndi kuopseza?

Nthawi zambiri, wokhometsa amalankhulira ndi ngongole pa foni, palinso malangizo awo:

1. Kumayambiriro kwa kukambirana munthu udindo afunika anene dzina zosonkhanitsira, gulu, amene anatuma ndi kuyitana. Tifunse ndi nambala ya foni ya gulu anati. Ngati woyimba akukana lamulo limeneli, kukambirana sangathe kupitiriza.
2. Mungadzitetezere ku zoberana, ayenera adzaitana pa nambala iyi ndi mwachindunji ngati ntchito ndi wokhometsa amene mukucheza.
3. Chotsatira angalankhule ndi woimira banki, amene anatenga ngongole kuti ayanjane ndi borrowers panopa. Ngati banki likuoneka kuti okhometsa, chochita zinthu izi? Ngati ngongole kunditumiza ku okhometsa, ndiye m'pofunika kuti anthu amvetse momwe izo ziliri, ndi kuitanitsa zikalata zogwirizana.
4. Pofuna kukwaniritsa zinthu pamene okhometsa anaopseza achibale (zoyenera kuchita ngati zimenezi zitachitika, mudzaphunzira mtsogolo), simungathe kutumiza uthenga uliwonse nokha pamene wobwereka, ziwalo mabanja awo ndi okondedwa. Ngakhale ngati munthu anakhoza kukhazikitsa kukudalirani pa foni sangathe kupereka deta osati kokha, komanso kudziwitsa katundu amene analipo a wamangawa ndi banja lake. Litagona deta aliyense wa anthu awa, popanda kuzindikira, kulola okhometsa m'tsogolo anayamba akuyendeni pansi ndi kumuopseza.
5. Ngati wokongolayo pansi pa kuwopsyeza zonse ndi kulanda pa foni, ndiye palibe mosavuta kuposa kulowa chiwerengero mu wakuda mndandanda mu foni yanu.
6. Ndipotu, pamene munthu sadziwa zoyenera kuchita ngati akufuna okhometsa imfa amakumbukira wolanda, kuti monga mwa chilamulo cha njira zake ntchito ndi oletsedwa ndi mwina ndi tanthauzo kwa iye. Mwina kukhala ndi lingaliro la zobwezedwa lapansi.

Ikanatha okhometsa: zoyenera kuchita, momwe mungadzitetezere

The okhometsa zosiyana: ena ndi ntchito akatswiri chikhulupiriro chabwino, kulemekeza chizindikiro cha munthu ndi lamulo, koma pali ena amene kuphedwa dongosolo malonda ndi kupeza ndalama kuchokera wamangawa mwa njira iliyonse ndi njira - chinthu yachibadwa. Kodi kuchita ngati kuopsezedwa ndi okhometsa? Ngati, ngakhale machenjezo onse kwa okhometsa oipa, wobwereka ndi anakumana ndi kuopsa ndi akuyendeni pansi, ndiye musati mantha. Chilamulo nthawi zonse pa mbali ya munthu, salola kuchita chilichonse oletsedwa ndi iye, ngakhale ali wamangawa wa banki. lamulo Russian n'kukulemberani chilango cha chipongwe munthu, kulanda wa zosiyanasiyana akuyendeni pansi ndi kumuopseza.

Yofunsira okhometsa kupereka umboni

Anakumana ndi zochita oletsedwa wa wokhometsa, ndi wobwereka muyenera kulemba ntchito ku polisi, khoti linalamula ofesi kapena apolisi dipatimenti, kuthandiza ntchito, mwina umboni umene ulipo kuwaopseza. umboni umenewu ingakhale monga iyi: ndi kujambula ma CD a telefoni kapena kukambirana munthu, anabzala mauthenga wokhometsa cholemba SMS. Komanso kuti atiteteze kwa okhometsa oipa angathe kuwafunsa wazamalamulo katswiri wodziwa munda, komanso mu Utumiki Federal. Last palimodzi amakana kumbali ya amenewa deta ntchito, ndipo wakhala anathandiza complainants. Mwa njira, kupanga dandaulo kwa Service Federal akhoza kukhala mu chifaniziro dera, komanso kudzera pawebusaiti yovomerezeka pa Intaneti, imene yabwino kwambiri.

Ngati tingayerekezere kuti wamangawa ntchito achinyengo zosonkhanitsira bungwe, ntchito zimene yazamalamulo mabungwe adzakhala aliko kale chifukwa chokwanira pa mofulumira kuwaopseza ndi wokongolayo. Choncho musanyalanyaze izo.

Pomaliza

Pambuyo pake, malamulo onse ndi malangizo, ine ndikufuna kupereka zofunika kwambiri ndi malangizo mpaka ngongole zimene anaopseza kuti: ngati onse yomweyo kulipira arrears ake ngati n'kotheka, ndipo mavuto onse ndi okhometsa alinkuthedwa.