Okhometsa: malamulo kapena ayi? Kodi kulankhula okhometsa

Masiku ano, pali chiwerengero chachikulu mabungwe deta. Ndipotu, si thupi pagulu, koma ntchito njira zonse chololedwa pa lamulo la dziko. N'chifukwa chake maganizo a anthu kuti okhometsa ndi osiyana kwambiri. Anthu ambiri amadabwa kuti: okhometsa - mwalamulo kapena ayi ntchito, momwe iwo ali Sikoyenera zochita ndi amangawa.

Kodi ndikufunika okhometsa?

The chofuna kudziwa malo onse chifukwa mabanki ambiri ndi makampani kuyambira 2008 wanyamula nambala yaikulu defaulters pa ngongole. Komanso, ambiri kuphatikizapo chidwi pa ngongole, amene kukhalabe nevozvraschonnymi.

Khalani ndi matanthauzo Madamu opindulitsa kugwirizana ndi mabanki mu ngongole vzyskivanii. Ndipotu, mabungwe awa mbali yawo amalipiritsa anakhazikitsa Pangano. Komanso, mgwirizano ndi olimba ndi kutsimikiziridwa ndi banki wokongola kwambiri kukonzanso malo a bungwe lililonse deta. Ngakhale pali mfundo zina zabwino, monga ngongoleyo akale. zochita malamulo la okhometsa si nthawi zonse kusunga malamulo poyerekezera ndi ngongole yakale - kuli kovuta kusonkhanitsa ngongole pa iwo.

Lero, ambiri mabanki lalikulu akugwira ntchito limodzi ndi mabungwe deta. N'zoona kuti boma amaika mu funso zoti zimenezi, komanso njira kwambiri m'chigawo ngongole mothandizidwa ndi mabungwe amenewa.

Good kudziwa

Magulu omwe akugwilira ntchito pamodzi delinquencies pa ngongole mwina zosiyanasiyana mayina. Izi zikhoza kukhala "Mawu Security Bureau" kapena "thandizo ngongole", koma ntchito yawo ndi ndendende mu ngongole vzyskivanii ndi angongole.

Zocitika za okhometsa

M'zaka zaposachedwapa, okhometsa anenapo zonse pamene iwo akuchita okha pa malo malamulo. Ndipo Rospotrebnadzor yomweyo anachita izi mu mawonekedwe a nkhani m'nyuzipepala. Mfundo yofunika ndi, mu Russian malamulo ntchito monga chopereka ngongole, pali chabe ayi. Choncho, funso ngati okhometsa za malamulo Russia, kuli koyenera, ndi yankho zambiri negative. Nanga n'chifukwa iwo saloledwa kuchita ntchito zawo, kuntchito malinga ndi machenjerero ena, ndipo boma chololera.

Mu maganizo a Rospotrebnadzor

Zogwiritsa akatswiri mu ngongole vzyskivaniyu wa kampani nkhawa - kalekale kofala padziko lonse. Ndipo pa mfundo imeneyi ndi okhometsa okha, ndi anthu oweta iwo kulamulira. Komabe, Rospotrebnazor amakhulupirira kuti anthu kuwagwiritsa ntchito givens ndipo anavomera.

Anthu amene akuvutika ndi okhometsa amakhulupirira kuti mochenjera amayendela malingaliro a chilamulo boma ndipo mwa lamulo. Ndi okhometsa akuyembekezera ndi umwana othamanga wa chilamulo ntchito zawo. Ngakhale, likukhalira, pakalibe manja awo, chifukwa iwo akhoza kuchotsedwa pa udindo pa zochita zawo. Pamene palibe lamulo lenileni, n'zovuta kumvetsa mmene bungwe umagwira, kumvela lamulo, nanga - si kwathunthu malinga ndi Civil Code, ndipo nthawi zambiri kumaphwanya ufulu wa anthu.

"Gray" bungwe

Okhometsa ntchito mwalamulo kapena ayi - sangakhoze kumvetsedwa ngati palibe chimango yeniyeni. Komabe, ngati mudalira mchitidwe mukhoza kufotokoza za "imvi" mabungwe zikugwira ntchito si wolungamitsidwa kwathunthu. Mwachitsanzo, iwo amanena kuti akuthandizeni maganizo ndi kuthandiza kuthandiza abweze ngongole. Atapitirira zotsatirazi: mangawa ndi kusonkhanitsidwa mwa kuwaopseza ndi malonjezo a milandu. Ndipo ndi udindo akhoza sanatsutse kukhoti. Komanso analonjeza fotokozani chuma, amayitana achibale, anzake. Likukhalira telefoni uchigawenga, amene wamaliza anthu mwamakhalidwe, ndi iwo ali otsiriza ngongoleyo.

Mokoma ntchito yosonkhanitsa

Nthawi zambiri, akamanena za mgwirizano, pa maziko zomwe okhometsa ndi kuika patsogolo zofuna zawo, ndi chete. Likukhalira, ndi ngongole sifotokoza kuti okhometsa ali mu zofuna za banki amene ali ndi mgwirizano. Ngakhale lamulo lachitatu maphwando simungakhoze kuika udindo mtheradi, makamaka mkangano ndi banki. Likukhalira, ndi ngongole sadziwa kuchita chilichonse mabungwe zosonkhanitsira poyerekezera ndi izo.

amangawa maganizo si n'komwe

Bank amapereka okhometsa bwino kuti mutengeko ngongole ndi kasitomala. Komanso, pali kusintha za anthu pansi udindo. Mwa lamulo, kuti concede zofuna za anthuwo munthu wina ali ololedwa ngati si mosemphana ndi chilamulo, mwa kulankhula kwina - mgwirizanowo. Komanso, ntchito sayenera kutenga malo popanda chilolezo cha wokongolayo. Pajatu, kwa nkofunika kuti munthu amene amatenga ku ntchito yake. Apa chofunika kwambiri kwa iye ndi kuchita, momwe angayankhulire ndi okhometsa ndi kuyankha malowo. Iwo likukhalira kuti wamangawa maganizo anapulumuka, ndipo zimenezi zingapangitse mavuto ena, monga mwakukana owayimira ndi.

mphindi oopsa

Ziyenera adzanyamula kukumbukira kuti zochita za mabungwe zosonkhanitsira amagwa pamutu kulanda. Ndipotu, iwo sali pansi kubanki. Choncho, iwo sangakhoze m'malo Bank monga wokongoza latsopano. ufulu okhometsa okha kwambiri lingaliro limeneli. Ndipotu, monga mwa chilamulo, lamanja la ngongole mukhoza kupita kwa wina yekha pa zinthu koyamba ndi mabuku yemweyo amene analipo pa nthawi ya vesting.

Iwo likukhalira kuti kasitomala adzilandira ku banki chikalata ngongole yake deta bungwe anaperekedwa. Ndipotu, chikalata amenewa akuonetsedwa ngati yoona ndipo panokha m'malo ake. Likukhalira, ufulu ngongole zisakuyenda mu nkhani iyi.

banki mobisa

Chinthu chidwi liti pa mobisa kubanki. Ndipotu, malinga ndi lamulo wokongoza perekani ufulu wake kwa munthu wina, chiyenera zinthu zonse kwa kasitomala kukhazikitsa zofunika. Pa nthawi yomweyo, banki amatitsimikizira ogula kukhala mobisa wa madipoziti awo, wotuluka ndipo makalata aliwonse. Ndiye perekani ndi okhometsa yoyenera maudindo pakati pa gombe ndipo wobwereka sangakhale - ndi kutsutsana ndi lamulo. Pankhaniyi linaphwanya mzera pa mobisa kubanki. Kodi okhometsa ndi yovomerezeka mu nkhani iyi, kaya zochita zawo zabwino? Komanso, kusintha kwa boma salola wamangawa zimakana okhometsa, amene sali asangalatsi banki ntchito. Koma zonena ndi kupezeka makamaka ku banki, adzatsala.

anayankha mwa

Wamba Society kuti zochita zawo ndi yovomerezeka kwambiri Russia. Rospotrebnadzor, mosiyana, amakhulupirira kuti ntchito yawo kumabweretsa zomvetsa a zachuma ndi kutilimbikitsa zoipa pa kulemba malamulo a anthu. Collection malonda, tinaona zinthu zina zatsopano. Komanso, ngakhale zoipa zonse, zinthu zambiri, zochita zawo n'zochokera kwenikweni pa malo malamulo. Iwo likukhalira kuti ufulu wa nzika kwenikweni awo sanaphwanye. anthu kwenikweni zambiri za mabungwe awa, choncho pali mavuto. Komanso, anthu ambiri sitikudziwa momwe angayankhulire ndi okhometsa ndi mmene zimatenga adzabwerenso mangawa.

vuto ndi chiyani?

Mfundo yaikulu ya anayambika kusamvetsetsa pakati pa Bank ndi borrowers okhometsa kuti ntchito za wachiwiri alibe chimango malamulo. Ndipo ambiri mukumvetsa kuti uyu ndi bizinesi. N'chifukwa chake tiyenera lamulo mtundu umenewu. Komanso, muyenera kupanga kusinthidwa ena ku Civil Code. Ndiye funso n'lakuti, Kodi okhometsa mwalamulo kapena ayi, idzatha palokha.

mchitidwe

Ngati ndinu okhometsa, m'pofunika kudziwa mmene kulankhula nawo. Kuti tichite zimenezi, M'sitolo pa nkhani zokhudza ntchito yawo ndi banki. Apa pali zikatero: banki amaika anu mabungwe arrears chopereka, ndipo, iwonso, gulani. Ndiye, pakati pa pangano kulanda ufulu wa ngongole kwa munthu wina. Iwo amagwiritsa gawo 2 la Nkhani 382 ya Tax Code, kutanthauza chakuti chilolezo kwa ngongole si chofunika. mudziwe zambiri zokhudza wokongolayo igwera mu zosonkhanitsira bungwe. Pali yachiwiriyo:

1. Ngongole akhoza anasamutsa ndi gulu lina. Likukhalira, banki amagulitsa ndi ngongole bungwe.

2. Bank amalowa pangano ndi okhometsa kuti iwo amayenera kugwira ntchito ndi kuwapatsa vuto wobwereka kwa nyengo zina za nthawi.

Nthawi zambiri zimachitika kuti wamangawa wakwaniritsa ugule okhometsa. Reviews za chifukwa mabungwe amenewa kungakhale zoipa, chifukwa iwo kuwauza za vuto ndi munthu uyu. Yambani naye ntchito, ndipo kenako likukhalira kuti ngongoleyo wachotsedwa. Izi ndi silinali vuto la okhometsa, ndi banki yokha.

mgwirizano

Zinthu masiku ano wapangidwa osokoneza, koma njira uko. Inu basi ayenera kuphunzira mmene kugwirizana ndi mabungwe amene angathandize kubwerera kwa ndalama. Kuti tichite zimenezi, muyenera lowani pangano chapatatu. Pali kale kutenga mbali banki, wobwereka ndi kwambiri zosonkhanitsira bungwe. Chifukwa cha mgwirizano uno kukufika, ndi kanthu adzakhala chomveka ndithu. Pankhaniyi, funso lokhudza okhometsa - mwalamulo kapena ayi iwo ntchito - sudzakhala ngati zogwirizana.

Dziwani kuti pali bungwe anticollection. Iwo asapasana nzika kuti abwereze ndi ndandanda ya malipiro pa ngongole ya. Komanso kusankha kuchita ngongole rekrutizatsii kapena kuchepetsa mlingo wa ngongole yanu. Zingathandize kuletsa accrual chidwi, kupereka chigamulo mokomera anu, ndi zina zambiri. Choncho n'zotheka kuti atithandize ngati zinthu zovuta. Komabe, mabungwe deta ntchito lero, kudalira chilamulo, ndi zambiri siziboola izo. Ngati inu mumadziwa bwino kulankhula nawo, ndiye inu mukhoza eni onse amavomereza. Chifukwa cha zimenezi, kupeza njira yothetsera nkhani ya kubweranso kwa ngongole, motero yopulumutsa ndi nthawi ena.