Chokumbofanobata - ndiko ... Types kuti rubatso. chibvumirano kuti vimbiso

A dzakawanda pfuma kwema inoda waivako inopikira. Zvinogona rubatso, vimbiso, liquidated kukuvadzwa nevamwe mhando rutsigiro inopiwa mumutemo. The pamusoro nzira vanoonekwa ne dhigirii dzokuteerera, nzira kuzadzika chinangwa.

tsananguro

Chokumbofanobata - ndiyo nzira imwe kuitira kuti chikwereti mitoro yacho rubatso. Rinoshandiswa kuderedza mikana hwokusagutsikana chikwereti. Inopikira uye warranties dzinoitwa ne chibvumirano, umo mubato wechitatu anotora mutoro kupindura mukweretesi chokupika mukwereti sungiro (Art. 361 of Civil Code). chiyero ichi rinoshandiswa zvinoitirwawo rwakavhunika kubudikidza chikwereti ichocho. kuita bhuku iri kugadziridzwa neMweya iwoyu gwaro. kuchinja kuti Civil Code vasati vakagumisa zvibvumirano hunovimbisa kwakaitwa wazvipira ramangwana. nyaya iyi hwakonzera kukakavadzana. Zvino, ichi ndicho nezvechisarudzo chete kana chibvumirano chinotaurwa zvakajeka mari, mukati iyo rubatso achava nemhosva.

Banks 'maruramiro guarantors

The zvinodiwa zvinokosha zviri nyore:

• zera: makore anenge 21-23, pamugumo nguva kondirakiti munhu haafaniri kusvika 55-60 makore;
• zvachose kunyoresa munzvimbo processing yacho chikwereti;
• mudanga variritire yapfuura 6 mwedzi;
• kukwanisa kubhadhara (dzaona inobva zvaida mari, kufungisisa ukuru rendi kubhengi) - hazvifaniri kupfuudza 30% of mari vimbiso.

Most kazhinji basa guarantors ndiyo hama neshamwari. Asi vamwe mabhanga, nekutya dzokudarika, haabatanidzi sokuti zvikwereti ezvinhu akadaro. Kana totaura urongwa chivimbiso chakasimba chekuchengetedzwa nokubatira isangano repamutemo, ipapo sezvo guarantors kungava mamwe mabhizimisi. Asi basa iri harigoni vanoti masangano ehurumende uye hurumende masangano.

chibvumirano kuti vimbiso

The zvinodiwa raanotaura Civil Code haabvumiri kugumisa sungano pakati nechikwereti uye rubatso. Mapato ndiwo akakweretesa uye rubatso. The chibvumirano chimwe-kuzviitirwa, vakabvumirana. Zvinoita mamwe chishongedzo mutoro. Uyai kuna rubatso kuita zvinogoneka chete kana default kubudikidza chikwereti ichocho. Chishongedzo zvandinovimbisa ishoma ukoshi chezvinhu, kunyange kana gwaro haasi kukodzera musi chaiwo. basa rake kunogona handizozvichinji rubatso chibvumirano (Art. 384 of Civil Code).

Zviri sungano:

• zita akakweretesa;
• zita rubatso;
• bhuku wazvipira;
• zita anokwereta.

kurambidzwa

Kunyange zvazvo CC haungopiwi denderedzwa vanhu avo ave ari rubatso, kuyananisa tsika akaratidza kuti mune zvimwe zviitiko, chibvumirano anogona kuchinjwa. Izvi zvinofadza kana rubatso vari:

• mamiriro emakambani, izvo dzinoshandisa mari vamwe chata zvinangwa;
• madhipatimendi, shumiro, mitumbi makanzuru.

vimbiso chibvumirano akaurayiwa kunyora uye unofanira chasainwa mukwereti, akakweretesa uye rubatso.

kuita vemapato

Basa racho rubatso, pakutanga tingaona zviri nyore. Iye uchava nebasa mutsividzo pamusoro chikwereti, kana payer anokundikana mitoro yake. Kodzero kubhangi vanoda mari kubva rubatso raanotaura Art. 363 of Civil Code.

Joint uye wandei kuita zvinoreva kuti rubatso uye chikwereti mhoswa kuti mitoro zvakafanana. Ndizvo zvinotaura havagoni kugutsikana chete bato. Zvazova kuita zvinoreva kuti rubatso zvinodiwa kushandisa chete kana chikwereti asina zvinhu. Akadaro musimboti kunonyanyisa akakodzera guarantors. Akakweretesa vachava kutanga kutora nguva kuti aratidze insolvency yacho anokwereta. Uye kana anotanga kuvanza, zvino kungava kutonetsa. Naizvozvo, kuti chero dzinofunga kuti rubatso kubhengi asingagoni. Saka, zano iri rinoshandiswa chaizvo kashoma.

Gwaro anofanira zvakajeka kuti kufirwa mhando vari ndanyarara hangu ne rubatso:

• chikwereti chikuru;
• afarire Utilisation nzira;
• kurasikirwa;
• pamutemo mari.

Kana vimbiso, nzwisa iyo chibvumirano inogona atorwa mushandi pamahombekombe panguva sarudzo, ndiko kadhi urongwa, zvingangoita, zvichaitwa chinyatsotsanangurwa kuti chokufuka nezvinhu uye mutongo anofanira zvaizopedza pamusoro rubatso. Mune zvimwe zviitiko, kupfuura inowanzoshandiswa vanoronga zvishomanana muripo kukuvara, kureva mari chete wechikoro.

Chimwe pfungwa zvakakodzera Kuteerera nokuti kutyora chemhosva purogiramu panguva yeGmail.END_STRONG wacho mufananidzo "kunaka" chikwereti kare. Asi zvakaitika vimbiso kune blacklist pamwe anokwereta awana rubatso. The chibvumirano anofanira akabvuma pfungwa, maererano iyo ayo mashoko ari chakasvitswa mbiri Bureau. Naizvozvo, kana anokwereta anotyora Pakuurayiwa kutengeserana, izvozvo mundoparadza mukurumbira haana pachavo chete, asiwo rubatso kwayo. Asi kwete ndizvozvo zvose. The rubatso havatombozivi kuzochera chikwereti chiduku kubva pamahombekombe, paakanga anoita somunhu rubatso.

kutadza

Rubatso - a yaitsigira divi kuzvipira. Maererano Art. 364 of Civil Code, ari rubatso angati kuna kutaura nyaya, asi ivo pachavo kuvapa kumusoro, haana kodzero. Chikwereti anoti anogona kuiswa kana kuvhiringidzwa nguva kushandisa mari, mukwereti achagamuchira mari shoma. Ziva kutengeserana sezvo haushandi chete mumatare.

Mushure akati rubatso zvose nokubatira chikwereti, iye anogamuchira zvinyorwa, pachishandiswa izvo zvinogona kuuya regressive kutaura. Kana rubatso musengwa apera, inogutswa anokwereta, anogona kupora mari kubva kubhengi (Art. 366 kubva Civil Code).

Dzisashande kuita

The vimbiso woga rinomira kana:

• zvinosungirwa iri pauri;
• ari chibvumirano yakanga Akave nokuvandudza kuwedzera kuita zviri rubatso, yakanga isina kubvumirana naye;
• chikwereti kwave kune imwe pati wechitatu, uyo chokumbofanobata haadi kupindura;
• akakweretesa aramba kuti kurayira;
• chikwereti afa;
• dzaguma vimbiso kumwedzi. Muna chibvumirano munguva yayo ukoshi nguva hazvigoni zvaitaurwa. Ipapo anofanira wakagumiswa mukati mwedzi 12 pashure musi kuurayiwa kwavo, kana panguva iyi kubhangi haana sued ari rubatso. Zvingava ezvinhu akasiyana. Kugona kumisa nguva mabasa chikuru musengwa haachipo, uye chibvumirano hariratidzi musi yakajeka. Ipapo vimbiso ichavharwa pakupera 2 years kubva musi kusaina chibvumirano, kana munguva ino rirege sued;
• chikwereti chibvumirano ndedzenhema. Maererano Art. 329 Civil Code, kuti zvirokwazvo ane unhu chishongedzo sungiro, kureva, hachigoni kuvapo aparadzane hondo. Kana dare rinoona kuti mukwereti chikwereti kubhengi chinhu, zvino rubatso kuti chero hazviiti wandei.

Tinofanira kukurukura nyaya yokugara. Maererano kududzirwa Supreme Court, mugari wenhaka inofanira kuva mutoro nokubatira zvomufi rubatso kusvikira chikwereti sangano chete kukosha vawana zvinhu. Mamwe chikwereti hakusi enforceable. Kana mugari wenhaka aramba kupinda yayo, zvikwereti zvomufi anofanira harishandi kwaari.

mhando

vimbiso Personal pamusoro chikwereti ndiye rwezvemabhengi uye pfuma. musiyano wavo chikuru ndechokuti kana yechipiri, kondirakiti yacho ushandiswe kuchiitirwa rubatso. Uyewo, kubhangi rinogona chikwereti mari pasina rokutanga Kuongorora yeGmail.END_STRONG wacho solvency. Asi pfungwa iyi zvinowanzoshandiswa apo akadzika sangano Express chikwereti. Asi kana chikwereti iri rakapa, kana totaura kutenga motokari, akakweretesa zvichaita nokungwarira kutarisa dzemari rubatso. Ekupedzisira zvingava anopfuura chete. Kakawanda, vanokwanisa ichi ndiyo hama kana shamwari dzepedyo mukwereti.

Rubatso, rubatso kana inopikira kungadiwa kuti shoma pamusoro chikwereti kana:

• asi waari kuitira basa haana mari yakakwana kufukidza chikwereti;
• anokwereta vaiva nedambudziko kudzoka mari kare;
• mutengi anotova chikwereti mitoro.

Chokumbofanobata - ndiye "inishuwarenzi" pakati pamahombekombe kubva anokwereta zvakaipa. Naizvozvo, nzvimbo iyi angataure vanhu chete vane mari inokwana wechikoro uye mubereko pamusoro chikwereti.

kodzero rubatso

1. Simudzai paanopikiswa pamusoro zvinodiwa kubhangi, kana iye chibharo okuti chesungano Somuenzaniso, Akave nokuvandudza pasina mvumo yemuridzi rubatso.
2. Nhongai kodzero kunomhangara muripo kubva chikuru anokwereta, kana chikwereti akanga achidzorerwezve rubatso. oparesheni iyi vakaurayiwa chibvumirano pabasa. The Bank vanosungirwa kupa zvinyorwa zvinoratidza kuti chikwereti akanga achidzorerwezve nokuda rubatso.
3. Kudiwa kubva chikuru chikwereti dzosera, kusanganisira mubereko, fines, dare mari, uyewo nekuripira tsika inokuvadza (Art. 365 kubva Civil Code).

mhedziso

Rubatso - inzira hwokuchengetedza mitoro pasi iyo bato wechitatu anobvuma kudzokera zvimwe kana dzose chikwereti womunhu anomukweretesa kana anokwereta havazokwanisi kuzviita pachako. Kakawanda, kudiwa basa iri chinovapo kana waita chikwereti kana motokari chikwereti. Munhu anoita somunhu rubatso pamusoro kutengeserana, anofanira kudhakwa chaizvo tinyatsonzwisisa mamiriro avo emari. In unilaterally vanoramba mitoro kwete kushanda.