Indlela ukubuya yomshuwalense ngoba loan? Early enkokhelweni loan

Omunye amasevisi eyengeziwe, okuyinto esakhokhwa abaseRussia ngesikhathi ukusetshenziswa credit - umshwalense. Kunciphisa ingozi okuzenzakalelayo izimali. Phezu okuvela kwezimo ezithile esikhathini inkontileka, ibhange uzothola imali kusukela inkampani yomshuwalense (IC). Nokho, ukubolekisa, ikakhulukazi umthengi, ngokuvamile abuyiselwe ngaphambi kwesikhathi ebesibekiwe. It kuvela ukuthi isidingo isevisi ezengeziwe iphele. Ukuthi umshwalense uzobuya emva buyiselo imalimboleko ukuba lo muntu obolekayo kuleli cala? Yebo, kodwa hhayi ngokugcwele.

Umlando omncane

17.11.2009 Le KaHulumeni boPhezukonke Arbitration iNkantolo yakhipha isinqumo ngokuvumelana okubhekisele izinyathelo aphula umthetho umthengi amalungelo wemisebenzi on loans yasebhange. Phakathi neminyaka eyalandela Kwahlolisiswa amakhulu amacala ku ukubuya amanani ngokungemthetho ikhokhwe. Amabhange baye baphoqeleka ukuba ukukhansela umyalo iwumthombo obalulekile engenayo. Kodwa ke ngokushesha yathola enye - ephakanyiswe izilinganiso ukusetshenziswa kwezimali.

Ngemva ukungena force zoMthetho Federal "Ngo umthengi credit", inkinga entsha - ukunqunywa izivumelwano zomshuwalense e Ukukhishwa credit. Amakhasimende waqala ukuhambisa izitatimende kwesimangalo, ukukhononda:

• ukuthi amabhange, ukwenqaba okwesabisayo lokunikeza loan, abeke inkontileka engadingekile;
• umonakalo omkhulu amasevisi umshwalense;
• ukuthi kwakungamukeleki ukwenqaba ukubuyela izimali izinsiza ezengeziwe kokuba ebekwe okokuqala nesivumelwano sokubolekwa.

Ngakolunye uhlangothi, amabhange ukwandisa Commission, futhi ngakolunye - amakhasimende abawazi amalungelo abo. Esaba ukwehluleka ukuthola imali-mboleko, bona draw i eyengeziwe sivumelwano, bese ucabanga mayelana nendlela ukubuya yomshuwalense ngemuva kokukhokha imalimboleko.

Ubani iyalidinga

Isidingo umshwalense sisekhona. Amabhange uthole angeziwe wokuvikeleka imbuyiselo izimo ezingalindelekile. Uma umcimbi kwesamba kwenzeka, iNkampani ngeke uthumele sikhungo ukutusa nemali ethile ngoba befuna imbuyiselo imalimboleko. Uma lidlula oluvelele ibhalansi, umehluko kumele sikhokhwe ukuba okweletayo (ngemcondvo). Uma inani isinxephezelo akwanele ukumboza izikweletu, ibhange funa izindlela ongakusebenzisa ngazo ukugcina imali kusuka amaklayenti. Ngokuvamile oVikelwe ingozi yokufa, ukuthenga ukukhubazeka 1, amaqembu 2. Uma sikhuluma impahla, isinxephezelo uzokhokhelwa esimweni izenzo ezingekho emthethweni sabanye abantu, kabana amanzi, umlilo, kubangelwa inhlekelele yemvelo, zemvelo, ukweba imoto nokutholakala ingozi.

umshwalense

Ngokusho Art. 421 we Code Civil, abantu nezinhlangano ezingokomthetho amahhala ungene ezivumelwaneni nazo. Okungukuthi, ibhange ayinakho enelungelo lokubekela okumile kumakhasimende iyiphi isevisi njengombandela wokubamba eyamukelayo sokubolekwayo. Ngesikhathi esifanayo, lo Mthetho icacisa izimo lapho loan akukho ukuphila umshwalense yekhasimende sivunyiwe. Sikhuluma mortgages and ukuthengwa izimoto. Uma Kusayinwa isivumelwano, ukukhokha njalo, kuphakama umbuzo okunengqondo: kanye sokukhokha imali ebolekiwe uma Nginelungelo ukubuyisela umshwalense?

Yomhlomuli zokukhokhelwa esinjalo ebhange. Uma isikweletu imbuyiselo egcwele, ikhasimende inelungelo sokuqeda inkontileka umshwalense, kusukela impahla udluliselwa impahla yayo. IBhange ubophekile ukuba recalculate nokulinganisela sokudlulisa. I umshwalense unelungelo lokuthola ingxenye isinxephezelo. Inani Its wakhona isikhathi yesivumelwano. Ubani ikhokhwe loan, unelungelo ukubuyela yomshuwalense. Kodwa inqobo nje loan isikhokhiwe kusengaphambili. Lokho, ukubuya ngemva enkokhelweni loan umshwalense ngesikhathi esifanele ngeke zisebenze. Inqubo lincike kungaba iye ikhishwe loan: umthengi noma indlu. Esimweni sokuqala, ukwesaba yokuphila ikhasimende, futhi yesibili - izibambiso.

izindlela zokonga

Ngakho, amabhange abanalo ilungelo lokubeka yomshuwalense uma sisebenzisa loan kunalawo eshiwo umthetho. Uma kwenzeka lokhu, zama zihlanganisa izindleko nezinsizakalo Imininingwane isamba semalimboleko. Uma kungenjalo, uzobonakala futhi ukhokhiswe inzalo kuyo. Ubani ikhokhwe loan, unelungelo ukubuyela yomshuwalense. Lokhu kungenziwa ezifana nezimo.

Okungenzeka ukufeza isixazululo omuhle uma kwenzeka buyiselo zakuqala imalimboleko. Lolu khetho kuzoxoxwa ngakho ngokuningiliziwe ngezansi. Izindleko kuphela wazi ukuthi ayikho imali izobuyiselwa ngokuzenzakalelayo. Une ukuya igatsha lasebhange, bhala amazwi angase ashiwo, ukuqoqa amakhophi amadokhumende, bese ulinda isinqumo.

Ngisho nendlela yokuthola umshwalense ngoba loan? Iklayenti kungaba isifo lapho umthetho ningangeni inkontileka. Uhlu okuhlukile okungukuthi e sivumelwano uqobo. Kodwa ngaphambi ukusayina amaphepha ka ngokomzimba Luhlolo akekho ophethe. Iklayenti kungenzeka neze ukuqaphela okuhlukile okunjalo futhi akhokhe izindleko amasevisi. Ungakwazi oda zokubala kabusha futhi Cela isinxephezelo imali. Kodwa iklayenti ayitholanga inani eligcwele, futhi 87% (intela ngezinye 13%), ngisho kuleli cala.

Indlela ukubuyisela Sberbank umshwalense loan?

Ikhasimende angawususa kusukela uhlelo ngemuva kokuthola loan. Ukuze wenze kanjalo, ezinsukwini ezingama-30 kusukela ngosuku lokubhalisa kwamatayitela zisebenza ehhovisi, bhala amazwi angase ashiwo ekhanda. Uma wakhokha loan, ukuthi kungenzeka ukubuyisela umshwalense ngemva kwezinyanga ezimbalwa? Kulokhu, iklayenti bangathola ukukhokhelwa ngaphansi izindleko uxhumano uhlelo nezintela ikhokhwe. Lokhu kumayelana 50% lemali yasekuqaleni. Wabuyela njengengxenye premium ikhokhwe uyakuba necala lo ulindele ukubuyiselwa yona iphelele ekuseni. Isitatimende senziwa amakhophi amabili, kumele amakhophi ikhasimende washaya usuku amaphepha yokubhalisa. Lolu khetho kuyinto ekahle sokubolekwayo umthengi.

mortgage

Indlela ukubuyisela umshwalense imalimboleko Sberbank, aklonyeliswe ukuthengwa zokuhlala, izimoto? Collateral isiqinisekiso ukuliliswa ngemva kokuqedwa ekukhishweni izikweletu. Angamisa lokhu inkontileka ngaphandle kokukhokha imali-mboleko akunakwenzeka. Buyela izimali kungaba, uma imalimboleko abuyiselwe ngaphambi kwesikhathi ebesibekiwe, kanye umshwalense ikhokhwe lonke isikhathi. Kulokhu kudingeka ubheke UK uhambisane nendaba ethile, yokunikeza ikhophi passport, isivumelwano sesikweletu, isitifiketi senkokhelo ekuseni imalimboleko. Ngemva kwalokho, ukwabiwa insali ebuyiselwa iklayenti. ababoleka abahlakaniphile imele at the stage of ngemvume imibhalo ukuze ukhethe uhlelo nge sokuvuselela yonyaka.

Indlela ukubuya yomshuwalense ngoba loan?

Kunezindlela ezimbili ukuxazulula le nkinga.

Eyokuqala - owandulela ukuqulwa kwecala zokuhlala. Ngemva buyiselo imalimboleko lungabuyiselwa yinkampani yomshwalense esikhishwe ke. amaklayenti eziningi ebhange ngokushesha. Kodwa lokhu kubi. I inhlangano yezimali kuyinto umlamuleli phakathi UK kanye iklayenti. It abhadelwa ngoba Yini edonsela amakhasimende.

Udinga ukufaka isimangalo okwesikhathi zokubala kabusha eminikelo ngokuqondene sokukhokhwa loan e-UK. Isicelo kumele abhalwe impinda futhi iqoshwe. Uma ehhovisi lenkampane ngokwendawo isuswe, isitatimende kufanele ithunyelwe nge incwadi erejistiwe ne ukunconywa. Lowo Mbhalo wangonyaka we kumele icacise yinkathi iklayenti ulindele ukuba sithole impendulo. Ngesikhathi esifanayo kufanele oda sicashunwa i-akhawunti yakho, okuzokwenza ubonise ukuthi ukwaba izimali. Ezinye izinkampani kusabela enjalo isitatimende.

Indlela ukubuyisela umshwalense ngemuva kokukhokha imalimboleko, uma impendulo ingemukelwa? Kufanele bhala incwadi ukuze Rospotrebnadzor, ukupha ke ikhophi yesitatimende, yokusungula, ukubuya irisidi imeyili. Indlela ukubuyisela umshwalense emva enkokhelweni loan, uma Asabela kanjani Rospotrebnadzor ingakafiki? Ukuya enkantolo.

IziNyathelo Ungahudula izinyanga eziningi. Izimangalo elingamathalenta kuze kufinyelele ayizinkulungwane 50. Hlikihla. ucabangela inkantolo izwe. Isicelo kumele sihambisane:

1. Credit sivumelwano.
2. umyalo wokukhokha eqinisekisa ukukhokhelwa imalimboleko.
3. Umshwalense inkontileka.
4. Ukubala of lemali isimangalo.
5. Isitatimende kuya inkampani yomshuwalense.
6. isaziso Mail ne yokusungula utshalomali.
7. Impendulo kuya isikhungo sezezimali (uma ikhona)

Kubalulekile kakhulu efanele ukubala inani isimangalo. Kungase kube ngaphansi kuka izindleko zomthetho. Ungazama enkantolo ezithola ebhange, kodwa hhayi yokuthi kwenzeka. Izicelo zamukelwa iminyaka emithathu. Nakhu ukuthi uthole umshwalense ngoba loan.

imininingwane ehilelekile

Ngokomthetho, uma ibhange kudinga izinjongo umshwalense yabathengi isikweletu, siphoqelekile ukunikela enye. Ekusebenteni, isimiso esinjalo ne ephakeme izinkokhelo isithakazelo noma saziso uxhumano SMS isaziso service.

Bank pholisi

Kusukela enjalo isikimu ayifakiwe obalulekile isixhumanisi - SC. Lokhu kusho ukuthi imithetho Code Civil angeke zisebenze izivumelwano ezinjalo. Uma wakhokha loan, ukuthi kungenzeka ukuba ukubuya yomshuwalense? Cha I kwaphumela isikhungo sezezimali ubhekwa ukukhokhelwa premium amasevisi eyengeziwe. Ayibuyiseleki ngisho uma kwenzeka ekunqanyulweni ekuqaleni yesivumelwano. Kulesi simo, kuphela ebhange anganquma offset inani iklayenti ukulondoloza idumela lalo.

izintuba

puzzle siqu phezu kanjani ukubuyisela umshwalense ngoba credit, hhayi zinkulu. Kungcono ukuba zifune usizo abameli. Iningi ngokuvamile, ukuxazulula inkinga usebenzisa eyodwa ekhona izintuba.

Kungase okubekwe esivumelwaneni ukuze ayiswe e wokuboleka okuyinto lihlotshaniswa umshwalense. Lowo Mbhalo wangonyaka we ingaqukatha ibinzana enjalo elisho ukuthi: "I inkontileka umshwalense sisayindwe lonke ubude ukusetshenziswa imali" (kumagama ingahluka). Okwakushiwo simiswe ngalendlela lelandzelako: uma imalimboleko okungukuthi abuyiselwe ngaphambi kwesikhathi ebesibekiwe, umboleki sika izibopho ebhange luwela behlangana, lona umshwalense sika isibopho sezomthetho kufanele futhi ukuphela.

Eyesibili inketho - ukuze ubheke ukungabi khona ingozi. Inkontileka kuphothulwe ngomcimbi kwesamba, ibhange silemali yayo emuva. Uma isikweletu abuyiselwe ngaphambi kwesikhathi ebesibekiwe, isidingo isivikelo esinjalo kuyadingeka ayisekho. Ngokusho Art. 958 we Tax Code, uma "isivumelwano umshwalense iyeke isebenze ngaphambi eside eboshelwe okuyinto wanyamalala noma uma izingozi umcimbi kwesamba", inkampani ubophekile ukuba recalculate bese ubuyela ingxenye ye-premium.

Kodwa ngisho yalezi zizathu izinkampani zomshuwalense akuvamile isebenze. Ngokuvamile, kufanele kunjalo ixazululwe ezinkantolo. Umphumela incike isikhundla salo mahluleli. Kodwa ithuba ukuze ibuyisele le mali sisekhona. Izinkampani zomshuwalense abafuna lokubonisa ukwethembeka kwazo amakhasimende, izinto ihlanganisa amadokhumenti elawula ukubuya premium uma ekunqanyulweni ekuseni. Futhi ungakhohlwa mayelana imithetho umshwalense. cwaningo Okokuqala yale mibhalo iklayenti kungaba nasezinganeni ngokwakho.

wokuqulwa kwamacala ezinkantolo

Kanjani ukubuyela yomshuwalense ku loan, uma ikhasimende kuyinto efanele nokuthi UK engafuni ukwamukela amadokhumenti? Kufanele isikhalazo enhlanganweni ukuze kuvikeleke amalungelo abathengi '. abasebenzi bayo kuzosiza iklayenti ukuvikela umthetho enkantolo, kungathatha ngisho ohlangothini ummangali. Prakthiza ebonisa ukuthi ekuqhubeni lapho izikhungo zezimali abeke amanye amasevisi kumakhasimende naphezu komthetho, inkantolo ngokuvamile wema ohlangothini umfakisicelo. Endabeni ukubolekisa, inhlangano uba umdayisi amasevisi, okuyinto umnika ngenkani ukusayinwa omunye sivumelwano.