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Cession (basa) mu anomukweretesa

Basa iri vanoti pedyo Bank pasi chikwereti chibvumirano kupati wechitatu uyo haana rwezvemabhengi rezinesi - mutemo kana nezviito Bank zvakadai?

Nemamwe mashoko, kana akakwereta zvakanaka kuita mitoro yawo pasi Treaty - kana kurudyi pamahombekombe "kutengesa chikwereti" muunganidzwa sangano.

On nyaya iyi, kwaiva pakawanda maonero sayenzi yemazuva ano. Hazvina zvakawanda uye mhosva mutemo panyaya iyi.

izvi zvose chakakurudzira munyori kunyora nyaya ino.

Ngationgororei panyaya iyi pahwaro mumutemo ano.

Izvozvo. Maererano Art. 382 of Civil Code kodzero (kutaura), kuva mukweretesi pachishandiswa pakati wazvipira anogona kune mumwe munhu ari kutengeserana (cession), kana kuenda mumwe munhu pamusana mutemo.

Kuti ufambe mumwe munhu, kodzero chikwereti wacho regai zvinoda mvumo yacho chikwereti, kana zvimwe zvinotaurwa nomutemo kana chibvumirano.

Saka, kana murairo kana chibvumirano asingagoveri rinokosha nyaya vesting zvinodiwa vaitire kubva akakweretesa mumwe - the chikwereti mvumo haina kuzvireva.

Maererano Art. 388 of Civil Code basa kutaura mukweretesi mumwe munhu akabvumira kana hazvisi pamusoro pomurayiro, mamwe mabasa epamutemo kana chibvumirano.

Uye chikamu ino yechipiri anotaura pamusoro kunzvenga pasina mvumo yemuridzi chikwereti zvinosungirwa basa zvinodiwa, umo nezvezvisikwa chikwereti kunokosha nokuda nechikwereti.

Saka, murayiro unoti pamusoro nyaya inokosha apo chikwereti kunodiwa kuti munotenderana basa kodzero vanoti - ichi chinokosha ukoshi womunhu anomukweretesa yacho nechikwereti.

Munzvimbo mbiri chinokosha nokuda chikwereti kubhengi zvakajeka inotsanangurwa zvinotevera zvinokonzera.

1. rezinesi kuitisa rwezvemabhengi mabasa.

Funga nyaya zvinofanira kutorwa pamwechete, saka sezvo rwezvemabhengi - handiyo chete basa pamukova Maakaundi Okubhengi uye akadzika kwezvikwereti. It ichiri uye migumisiro kuita kukodzera mutoro pasi chibvumirano, zviri zvakare chirango nokuda zvibvumirano kugadzikana.

Banking basa ndohwaJehovha muchikwata bhizimisi. Uye dzendege yava yenyu hatiripe. kureva zvose ngozi chokuita asiri kuripwa chikwereti, nhema parutivi womunhu anomukweretesa - Bank. Saka, pfungwa rwezvemabhengi mabasa uye inosanganisira nyaya chikwereti muunganidzwa zvibvumirano.

Mukuwedzera, pamberi rezinesi iroro zvaidiwa zvimwe zvinodiwa kutyora. Non-zvaidiwa izvi zvinodiwa anofanira kunotoreva kuturika pamusoro rezenisi kusvikira revocation. Rezinesi abvume date inotongwa nehurumende, kuburikidza paruzhinji simba rayo - Central Bank of Russian Federation.

Saka, zviri pachena kuti chikwereti kana kunyorera Bank anotarisira neHurumende pamusoro mabasa Bank wacho. Uye nokuti zvizere basa kubhangi, kusanganisira kuti kuzoita chikwereti mabasa.

In kuunganidza sangano haana rezinesi kuitisa rwezvemabhengi mabasa, kusanganisira chikwereti muunganidzwa.

2. Compliance pamwe rwezvemabhengi pakavanda pursuant kuti Art. 26 Federal Mutemo "On Banks uye Banking Activity.

Saka maererano Art. 26 Federal Mutemo "On nemabhengi rwezvemabhengi basa" Bank kunodiwa kuramba rwezvemabhengi vanzurudzo. Pfungwa rwezvemabhengi pachivande inosanganisira mashoko pamusoro mamiriro ano nhoroondo akazarurwa pamwe kubhangi, kuvapo kana kusavapo nenhoroondo bhadharika , uye zvichingodaro.

Zvinova pachena kuti Bank zvaasingafaniri pachena rwezvemabhengi pakavanda kumapati rechitatu.

Uyezve, zvikwereti vazhinji pamwe Panovhurwa Maakaundi Okubhengi (eg makadhi).

chikonzero ichi chinobata kusarudza akakwereta - kushandisa nokuda kwezvikwereti kumabhanga kana kutora chikwereti kubva sangano haina rwezvemabhengi rezinesi. Pashure pezvose, kana akakwereta zvinoshanda Bank aine chikumbiro kuti amupe chikwereti, mukwereti zvakakodzera kutarisira kuti chiitiko munhu inobvira Kuipa ayo ezvinhu zvemari, kune Bank haangauyi kuparadzira mashoko chokuita kumahombekombe vanzurudzo. Nokuda kwechikonzero ichi, anokwereta vazhinji kusarudza mubhengi chikwereti, uye chikwereti haisi mune private sangano.

3. Maererano mitemo kuitika pamusoro Russian Federation - code NACE wokugadzirisa nonoka bhengi chikwereti - vasipo.

Somugumisiro, basa pokuunganidzira masangano pari pamutemo. Vateresi havabvumirwi kuita muunganidzwa nonoka chikwereti. Mukuwedzera, anokwereta anotora mari iri mubhengi, pane "sekuru mumugwagwa", iro rinosimbisa zvinorehwa Bank kusvika anokwereta.

Saka, kuti kuongorora mumutemo ano zviri pachena kuti Bank arege, pasina mvumo yemuridzi anokwereta kutamira kodzero dzavo zvinoda kuti kubhadhara chikwereti mari pamwe kufarira nokuda pasi chikwereti chibvumirano kupati wechitatu kuti haina rwezvemabhengi rezinesi.

Zvisinei, muna tsika, vanochengeta vanoti kana kushandisa kuti chikwereti - anokwereta rakapiwa wayo kuti munotenderana kubudiswa pachake data, nokudaro achisimbisa kwayo kuti munotenderana basa kutenda upi pati rechitatu.

With hwokuramba kwakadaro uye havabvumirani anotevera chikonzero.

Chokutanga, kubudiswa pachako mashoko maererano Federal Mutemo "On Personal Data" hunosanganisira mashoko yakasiyana chaizvo kupfuura avo Kutamiswa pasi chibvumirano chebasa kutenda (cession). Sechivako pachavo Data zvinosanganisira zvinotevera mashoko: anonziwo, zita uye patronymic, kunyoresa uye dzokugara kero. Place basa, foni nhamba - kureva, zvemunhu pamusoro anokwereta. Kana basa kodzero zvinodiwa zvitange (kupatsanurwa) zvikuru mamwe mashoko chokuita kuurayiwa nokuda anokwereta yawo sungiro pasi Treaty.

Uyezve, kana kushandisa kuti ngaamuitire pamusoro chikwereti akakwereta hake kubudiswa zvavo pachavo Data chete kugadzirisa dambudziko - kupa chikwereti kana chikwereti kuramba.

Ichitaura pamusoro chikwereti chibvumirano Bank mudonzvo havatauri uye regai akatsanangurei anokwereta. Somugumisiro, maererano Art. 10 RF Law "On Kudzivirirwa Consumer Rights" Zviito izvi zvinogona vanokodzera sezvo kutsausa pamusoro ehupfumi yemabasa inopiwa.

Mukuwedzera, mukwereti mvumo inofanira kuratidzwa akatsunga. The ndechokuti mashoko ari chibvumirano "bato ripi yechitatu" hakutsigirwi mutemo. anokwereta wacho mvumo inofanira kuratidzwa akanatsozvarwa, kuti akakwereta anobvuma uchatamisa kodzero mukweretesi (the Bank) ndiyo chaiyo yechitatu bato kuzozvidzorerwa ayo kunyoresa kero, chaiko Implementation yemabasa, tini, Bin.

The chikwereti zvibvumirano izvi here, saka achawana, muchikamu ichi panewo kutyora mitemo zvinoshanda.

Saka, tinogona kugumisa.

1. akavhiyiwa The Bank wacho, izvo pasi kutyora - kwete chete kushanda chikwereti, asi kushanda pamusoro kuzoita mari chikwereti kuna anokwereta.

2. Basa of Bank kodzero dzayo pasi chikwereti Agreement pasina mvumo yemuridzi anokwereta pamutemo.

3. mvumo yacho anokwereta anofanira yakajeka, kureva kwayo mvumo inofanira zvakananga kunorondedzerwa nebato wechitatu uyo Bank Transfers kodzero zvawaitaura.

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