Lamulo la malire a ngongole ngongole: kufunsira loya

Ngati wobwereka zimathera kulipira pa ena kubweza ngongole nthawi, bungwe banki miyezi ingapo akuyamba kuchitapo kanthu kuti achire ngongoleyo. Koma iwo umachita zimenezo kwa ina. Lamulo zofooka ngongole ngongole chimagwira pamene bungwe ndalama kumanzereku kuyesera kuti achire ndalama zawo. Iye inapitirira kwa zaka zitatu. Ndi kuchuluka kwa nthawi zapatsidwa kwa wokongoza kuti alipire ngongole. Koma pa zimene yomweyo akuyamba? Ndipo wobwereka likuoneka kuti sanali kupereka ngongole ya?

ngati banki amatha kukhululukira ngongole?

Udindo ndalama munthu akhoza mwadzidzidzi iwonongeke. Zifukwa zambiri: matenda, kutha kwa ntchito kapena zinthu zina. Imeneyi, anthu anzeru, monga ulamuliro, amakonda kuchepetsa ndalama zawo. Koma bwanji Munthu amene nthawi yabwino kwambiri kuona mapangano chimodzi kapena zingapo ngongole, ndi kulephera kukwaniritsa udindo zimapangitsa moyo wake mumamva? Pakuti borrowers amene ndalama zinthu kwa zaka zingapo wakhala si bwino, malinga ndi lamulo, chimene mabanki saloledwa kusokoneza iye patapita nthawi zina pambuyo amalipira kotsiriza ndalama nkhani ya ngongole. Kodi banki kuyiwala za anthu amene mangawa?

Popeza kuti lamulo zofooka ngongole ngongole ndi zaka zitatu, aliyense wobwereka amadziwa. Komabe, pa zifukwa zina, ngakhale mwa akatswiri palibe kugwirizana zimene zimaloza m'pofunika kuyamba kuwerengetsa. Komanso, pafupifupi bungwe milandu wagwiritsa ntchito kumasulira lamulo zofooka ngongole ngongole (Civil Code, luso. 196) mu njira yake.

kuchita kuwerengetsa Kuchokera tsiku limene?

Funso ili m'malo maganizo. Choyamba muyenera kudziwa zimene munthawi si kuyambira tsiku la mapeto a mgwirizano ndi banki. borrowers ambiri amakhulupirira kuti lamulo zofooka ngongole ngongole ayenera kutengedwa kuchokera tsiku limene ngongole chinapezeka. Ndipo pagona cholakwa chachikulu. Makhoti zambiri kudalira riziki, chimene nthawi wayamba papite kwa tsiku la ndikupeleka lomaliza, ndiye - kuchokera tsiku pamene wobwereka wapereka malipirowo pamwezi ngongole kwa nthawi yotsiriza. Mmalo awa, njira zambiri m'Baibulo, amene anatengedwa kuchokera mwa milandu kubwalo la Supreme ndi Supreme Court chigamulo cha la Russia.

view wina

Koma mu dziko lathu akadali kwambiri zochita za mabungwe a milandu, kufotokoza kusagwirizana ndi kumasulira izi. Ponena Art. 200 wa Civil Code, iwo amanena kuti lamulo zofooka ngongole ngongole ayenera kukhala kuchokera tsiku limene chimachititsa kuti mapeto a mgwirizano aliyense banki. Choncho, pamaziko a maganizo amenewa ngati wobwereka anatenga ngongole kwa zaka zisanu ndi chimodzi, koma watha kulipira chaka nditamaliza wake, zaka zisanu ndi zitatu zokha zinapita lamulo zofooka ngongole ngongole kwa iye.

pempho

Kuyenera ananena kuti udindo ndi utsogoleri, osati makhoti onse. Ndipo kuwerengetsa chikuchitika okha milandu anthu amene tikulankhula za ngongole ngongole ya ndalama chifukwa makadi kawirikawiri mpaka kalekale. Koma kuti, ngati munthu lamulo zofooka ngongole ngongole wakhala njira yokhayo yotulukira vuto limeneli, ndipo bwalo watenga malo zovuta, inu nthawi zonse tizidalira lokopa.

khoti kuti amapereka nthawi malire, koma kupanga izo, amaganizira onse ubwenzi wobwereka ndi banki, zomwe zachitika kuyambira mapeto a pangano ngongole. Tiyenera kukumbukira za ena mokoma. Ngati m'nthawi ya pangano ngongole ya wamangawa wa kanthu ntchito ku khoti ya kukonzanso kapena kupempha wina, kukhazikitsa zomwe kawirikawiri amathandiza kuchepetsa mavuto anthu, analephera kupereka ndalama kwa nkhaniyi, chakuti chingaletse lamulo zofooka. Zachitikiranji zimenezi? chakuti, monga ulamuliro, kuyesa kukambirana ndi banki, monga kupanga osachepera chizindikiro kuchuluka pa ngongole mphambu. Ndipo ngakhale iwo sanali, ku bwalo ngakhale mfundo za bungwe ndalama zikhoza kuoneka ngati malipiro lomalizira limene limayamba kuwerengetsa.

Kuti sikumangotikhudza moyo?

Tikumbukenso kuti zochita zina mabanki angathe ayi bwanji kukhazikitsidwa kwa tsiku limene amawerengedwa nyengo. Zimenezi zimaphatikizapo Mwachitsanzo, zikukhudza akagulitse la okhometsa ngongole. Ngakhale nkhani ya Civil Code, anatchula pamwamba, n'zovuta kudziwa tsiku lenileni limene akuyamba malire nthawi ngongole ya. Bar Council, mwina ndi chinthu chabwino pothetsa vutoli. Usadalire malangizo a akatswiri sanali, kusunga amene angathe zimawonjezera vuto la wokongolayo.

Kodi chikuchitika pamene lamulo zofooka ngongole ngongole watha ntchito?

2015 - zovuta chuma nthawi kwa Russia. Mu zaka zochepa chabe pamaso otchedwa vuto la mabungwe banki kulowa mapangano ngongole ndi ogula mwaunyinji. Zofunika kuti borrowers angathe pa nthawi yomweyo anali otsika.

Koma vuto wosakhazikika chuma dziko zinachititsa kuti kuwonongeka kwambiri mfundo za moyo wa ambiri nzika. Ulova chawonjezeka, mitengo ananyamuka mankhwala. Pakuti ambiri ku Russia, malipiro a pamwezi ngongole wakhala wolemetsa. Recent kukhulupirika a mabanki kwa makasitomala anatembenuka odzitukumula kuwonjezeka ngongole kwambiri. Pansi pa zikhalidwe izi, borrowers ambiri amadalira malamulo ndakatulo zofooka ngongole ngongole. Pamapeto pa mlanduwo, iwo amakhulupirira, mangawa onse adzalembedwa, ndipo moyo angayambe ndi kuiwaliratu woyera. Komabe, maganizo amenewo ndi kulakwitsa aakulu.

Atapita wa zaka zitatu, kenako banki ikutha kukakamiza ndalama zawo, koma limanena kuti wamangawa anaonekera mkangano wangwiro. Pa izo, anapereka kukonzanso chithandizo cha ngongole kukhoti, ndipo wobwereka akhoza mwachindunji. Atapita nyengo amanena sabisira banki ufulu adzaitana kuwakumbutsa mukukwaniritsa. Koma ngakhale pa zochitika zoterezi ndi ngongole amaperekedwa njira kukana. Ndi mawu onena za kusiya kwa deta.

kugulitsa ngongole

Pambuyo banki sakukhulupiriranso chiyembekezo kubweranso kwa ndalama zawo wamangawa mukhoza kuyamba moyo si kophweka. mabungwe ambiri a zachuma amadziwika kuti amakonda kugulitsa mangawa mabungwe deta. Kucheza ndi ndodo ya mabungwe awa - si kosangalatsa. Iye akudziwa, ngakhale amene anali adalowa pangano ngongole. Za khalidwe loipa la anthu awa amanena pa TV, manyuzipepala ndi malo Intaneti nkhani.

Okhometsa mwina simumuganizira ku makhoti pambuyo lotha nyengo amanena, ndi njira yokha iwo akukhala kuthamanga makhalidwe abwino wokongolayo. Munthu anakhudzidwa ndi kulankhulana ndi ogwira ntchito ngati yomweyo kulankhula ndi apolisi. Ngati pali pa ntchito anagonjera pa malo a zosayenela, okhometsa, samva, musataye mtima. Chotsatira ndiyo kutikopa wozenga.

Nkhanza ufulu wa wobwereka ndi

Bank kasitomala wakupitiriza ngongole, ndi udindo uwu. M'zaka zaposachedwapa, si malipiro zokhudza yokulirapo. vinyo si borrowers komanso mabanki, ndipo ngakhale boma. Komabe, nthawi zina, si malipiro a ulemu zikudalira pa gombe makasitomala a. Zikatero monga mikhalidwe yaumwini kapena chinyengo zenizeni. Wobwereka ayenera kudziwa kuti ngati akutenga ngongole, ndipo poyamba zoyembekezeredwa mwayi kuti kumulipira zimene angathandize kuti malamulo pa nthawi malire, izo mavuto anakhumudwitsa loyang'anira ndi ngakhale chigawenga udindo. Chiganizo osachepera anakumana ndi ngongole - chopereka cha chuma. Koma malamulo amapereka miyezo kuyeza kwambiri.

udindo chigawenga

Ngati banki kasitomala anatenga ngongole otetezeka, ndi udindo pa chigawenga si zingasokoneze iye. Pankhani ya si malipiro zonse zimapita pansi nyundo. Ali padziko lapansi pano, malinga zokambirana. Yogwirira nyumba ya ngongole, ndi banki sitingakhoze, ngati chuma chenicheni chokhacho. The kuchotserapo milandu komwe chinyengo zimaoneka mu ntchito ngongole.

Kumvetsa ngati wobwereka chinkatsogozedwa ndi maganizo oipa, kuona si zovuta. Ngati, pambuyo processing ngongoleyo, iye mwadala obisika izo sayankhula mokomera wake. Zoopseza yeniyeni, wamangawa mwina alamulidwa ntchito kukonza, ndipo ngakhale kundende zaka zitatu. Komabe, zinthu zoterozo chigawenga yekha ntchito kukachitika kuti zinali zoona kuti waba katundu wa ndalama kubanki.