Independent chitsimikizo ngati njira Kuti akwaniritse udindo. Independent chitsimikizo banki

Kuchuluka kwa malamulo a boma chaka chilichonse zimasintha zonse zazikulu, makamaka m'munda wa banki. Pali mitundu yatsopano ya ngongole, mawu a pangano, n'zotheka chitsimikizo, komanso ubwino ofanana. Posachedwapa, mu Civil Code, malingaliro atsopano otchedwa "palokha chitsimikizo".

Maonekedwe ochititsa

Independent chitsimikizo monga njira Kuti akwaniritse udindo wa ndi kukhoma mgwirizano mosamalitsa kumatanthauza kuchuluka, kaya ntchito ya guarantor kulipira ntchito.

The Russian Civil Code limanena kuti mtundu uwu wa chitsimikizo ndi inakhazikitsa mu kulemba. Komanso pali zifunika mfundo yofunika kwa bukuli: zinthu pangongole, ndi kapangidwe ntchito. Mokakamizidwa lipoti chidalembedwa chiyenera mbiri yabwino ndi maphwando, kuphatikizapo lachitatu maphwando. mokoma onse m'magazini ino zikugwirizananso nkhaniyi. 368 wa Civil Code.

The ndondomeko mochita

Lamulo alipo amanena kuti chitsimikizo palokha akhoza chikalata kokha chifukwa banki kapena ngongole mabungwe, limene lidzakhala guarantor. Mchikhalidwe lamulo lotchedwa mndandanda wa anthu omwe ali ndi ufulu wa chitetezo cha malipiro:

• Banks ndi mabungwe banki la mtundu uliwonse, amene ali ndi chiphatso kugwira ntchito ndalama.
• mabungwe ngongole, mwachitsanzo, popereka ngongole yochepa.
• mabungwe malonda, amene awapatsa mphamvu ndi chitsimikizo nkhani.

Ndondomeko anafotokoza ndi chikhalidwe cha ndalama zambiri munthu amaganiza. Independent chitsimikizo njira kuonetsetsa kuti kudzipereka akhoza akuyendera mgwirizanowo pa pempho la ukutitsimikizira maphwando. Zimene kungadzutse zofunika kusainira pa ntchito pankhani ya ziwalo akumapeza ndi chakudya cha mgwirizano.

Za maonekedwe a palokha chitsimikizo

Mbali zikuluzikulu zimene mukhoza kuzindikira mtundu wa chitsimikizo, ndi osadalira pa udindo yaikulu zoyikidwa ndi a bungwe ngongole. Chachikulu kusiyana chimaoneka mu zizindikiro zotsatirazi:

• Independent chitsimikizo sasiya zake zochokera ntchito ya ngongole. Komanso pa nthawi analipira, izo sanali zimasintha iliyonse.
• The invalidity wawo si zikuphatikizapo ndi invalidity wa chitsimikizo cha.
• Pali downside. Mapindu mobwerezabwereza mankhwala sapereka ufulu kulandira kukoma mtima wa chitsimikizo. Komanso, lathunthu kapena tsankho kukwaniritsidwa udindo contractual si chitsimikizo chiphaso ake.
• Independent banki chitsimikizo mwa njira ina iliyonse, koma olo ndi akaimbeyo. chonena kapena mfundo akudzutsa wokongolayo, sikumangotikhudza mfundo za mgwirizano.

nkhani zamalamulo

M'dera linafalitsidwa kwambiri za malamulo ndalama zikuphatikizapo osiyanasiyana yaikulu nkhani. Choncho, chitsimikizo palokha ngati njira Kuti akwaniritse udindo imakhudzanso anthu otsatirawa:

1. Garant.
2. Wopindula.
3. Chachikulu.

Aliyense wa zipani kugwirizana likudziwika zofunika kwambiri. Choncho, guarantor amapereka zinthu zonse zofunikira kwa issuance wa ukutitsimikizira palokha. Gulu lachiwirilo kuwalandira apereke gulu lachitatu, ndilo akufunika thandizo izo. Tanthauzo la zolowa izi ndi kulola wamangawa kukapempha ndalama ngongole ndi makonzedwe ngongole - kukhala ndi chidaliro mu ntchito ya udindo mu njira iliyonse.

Werengani zambiri za mikhalidwe

Independent chitsimikizo ndi imodzi mwa mitundu ya wotuluka, ngakhale ndi mmodzi ndiye amaganiza. Mgwirizanowo pa kukongoza akhoza anasonyeza pa makonzedwe ngongole, osati mawu ndalama komanso m'matangadza, mgwirizano, macheke, ndi zinthu zina ndi umboni wa mbali individualizing.

The yonse palokha chitsimikizo, mawonekedwe amene akufotokozera Art. 368 wa Civil Code, zimaonekera chikalata, amene alembedwa mu Kunena mwachidule, mfundo zimenezi. Full mndandanda wa zinthu kuvomerezedwa mgwirizano ndi motere:

• Tsatanetsatane wa zipani. dzina Full m'pofunika kuti kudziwa zipani. Pali maadiresi zofunika kampani yoyendetsa ndi nthambi, ngati pano ndi kutenga nawo iwowo.
• Ndondomeko ya mawerengedwe adzaona mlingo wa ndalama ngongole, ndipo ngati n'koyenera kuti akonze khoti monga umboni.
• Kutchulidwa kwa kuthekera kufala kwa ufulu zina anthu a phindu la.
• Kuchuluka kwa pothandiza ake, komanso kukula kwa malipiro nthawi.
• Isanayambike zochitika kwapadera zinachititsa kuchuluka kwa ngongole zikhoza kuchepetsedwa kapena kucuruka. Muyenera kukhazikitsa zinthu zenizeni, komanso kukula kwa ndalama: malipilo kapena chilango.
• Nthawi mgwirizano ndi mndandanda wa mfundo malamulo kuti zikhale zotheka kuchotsa ake.
• Tsiku ndi anasaina pamagulu.

Pa limanena ndi kuwerengetsera

Independent chitsimikizo, omwe amaperekedwa pa kampani wachitatu zinthu sayenera kutsutsa zinthu zonse za mgwirizano ngongole kuti anasaina pakati pa akuluakulu ndi phindu.

Lamulo malamulo m'magazini ino umaonekera luso. 377 wa Civil Code. Norma ananena kuti mawerengedwe kuchuluka kwa ngongole ndi zotheka malinga ndi kuchuluka, amene anatsimikiza ndi mgwirizano pakati pa ngongole ndi ngongole. Pankhani ya sanali kugwilizana ndi kuwerengetsera pangano, ndi ngongole akhoza imawunikidwa chilango chidwi. Mu chikalata ichi zolimbana mwina mwapadera kuperekedwa.

Art. 314 wa Civil Code amakhazikitsa deadlines ena:

1. Kubwerezanso zofunika anapereka 5 masiku ntchito.
2. Independent chitsimikizo mgwirizano amapereka kwa kuthekera kuwonjezera mawu a mwezi, koma kenanso.

Mu nkhani ya kuwerengetsera zosapsa, ndi guarantor ali ndi udindo wonse chuma malinga ndi Art. 395 wa Civil Code la Chitaganya cha Russia.

Gawo

Mitundu ya chitsimikizo palokha ali motere:

• Chitsimikizo cha aang'ono.
• Chitsimikizo kuphedwa.
• Kuonetsetsa maudindo malipiro pobwezera.

Pa mapeto a mtundu umenewu mawu ndikupeleka ndi zikhalidwe za mgwirizano ndi inati ndithu:

• Kulephera kusintha mawu unilaterally.
• Chiletso kubwerezako.
• Khalani yosagwira popanda pangano la zipani zonse.

The wokongoza ali ndi ufulu kupatsa odetsedwa, ngati mgwirizanowo choncho amapereka. Panopa n'kofunika kugwirizana ndi guarantor, ndi chilolezo kwa iye. Komanso, ntchito ya udindo yaikulu monga ulamuliro kumafuna ntchito ufulu wawo wonse.

Pankhaniyi, ngati pangano ndi sanali transferable udindo wa anawazunza, pomwe mapindu kuti musunge iwo Mulimonsemo, ngakhale ndi chilolezo cha guarantor lapansi.

wolungamitsidwa chokana

Mapindu ali ndi ufulu wokana ndalama (sachita) milandu zotsatirazi:

1. zofunika satsatira maudindo contractual.
2. Anagonjera mapepala sizikugwirizana bwino malamulo apadela, kamangidwe, zili yoyenera.
3. Tsiku lomalizira kwa kugonjera mapepala yachedwetsedwa.

Mu nkhani iyi, wopanga malamulo amapereka kuthekera kwa akupereka mawu a masiku 7 milandu zotsatirazi:

• Kukayikakayika monga kwa kudalirika kwa zikalata akufuna.
• Sanabwere mawu.
• Magwiridwe a udindo ndi chachikulu.
• Zitsimikizo ataya zotsatira zawo.

Ngati kumene kukayikira si anatsimikizira, ndi guarantor undertakes kutsatira mawu onse a mgwirizano. Pankhani ya zofuna chitsimikizo kwa wokongoza, woyamba womangidwa posachedwapa kudziŵitsa olemekezeka.

Kuchotsa talonjezedwa

Kutheka kupereka ukutitsimikizira null ndi opanda milandu zotsatirazi:

• The lotha ya mgwirizano.
• kuchuluka ngongole linaperekedwa ndi ngongole zake zonse.
• The wokongoza anakana zofunika zonse.
• The ngongole mu kulemba anamasula wamangawa ku ntchito yake.

Nkhani imeneyi ndi Lamulo Art. 378 wa Civil Code. Mu chochitika cha kuthetsedwa kwa palokha talonjezedwa guarantor ayenera kudziŵitsa ngongole za izo. Zoperekedwa mwayi amalola inu kukuza kuchuluka kwa ngongole ndiponso mabungwe gombe, ndipo anthu, nayenso, kutsegula njira zatsopano chopezera ngongole.