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Isiqiniseko semali mboleko. Amanzi angaphansi kwamanzi ... Ukuqapha akuyona inkinga!

Ukukhishwa kwemali mboleko kuhlale kuhlotshaniswa nenani elithile lomngcipheko wokungabuyiselwa kwayo. Ngakho-ke, izikhungo zesikweletu zisebenzisa konke okukhethwa kukho ukukhipha lezi zimo. Enye yezinketho zokuthola imisebenzi yekhredithi yisiqinisekiso sokuboleka imali. Kodwa kubaluleke kakhulu ukuqonda okushiwo kwesivumelwano phakathi kwebhange lombolekisi, umbolekisi kanye nesondlo sayo. Ngempela, isiqiniseko sokuboleka imali akuyona nje isiqiniseko sephepha, futhi lapho kwenzeka ezinye izimo ezinkulu noma ezinye izimo zokuphila ezingalindelekile, zingaba nemiphumela engathandeki futhi zibe nokulahleka kwemali yangempela ye-guarantor. Ngakho-ke, njengesiqiniseko sokubolekwa kwemali mboleko, kubalulekile ukuqonda yonke imiphumela engaba khona yokusayina lesi sivumelwano uma lowo obolekayo engagcwalisi izibopho zalo ngaphansi kwalokhu. Isiqinisekiso semali mboleko asikwazi ukuqedwa ngaphambi kokuphelelwa yisikhathi sosuku lokuphelelwa yisikhathi, noma ngabe usuvele ulahlekelwe ukholo kumuntu ogcinwe ngumgcini-mboleko ngebhange lombolekisi.

Okokuqala, isiqinisekiso sokuboleka imali yisibopho semali okufanele umkhokhisi akhokhe ngaso uma kwenzeka umuntu ebolekwa lowo obolekile. Uma usayina isiqinisekiso somboleko, khumbula lokhu. Noma kunjalo, ungakwazi ukugwema izikhathi ezingathandeki ngokulawula ukubuyiselwa kwemali eholwe.

Ikhodi Yomphakathi YaseRussia Federation inikeza isiqiniseko esihlangene nokuxhasana. Uhlobo lwesiqiniseko sokuqinisekiswa kwemali kubonakala ngokusemthethweni esivumelwaneni sesikweletu semali esithathu esayinwe. Uyini umehluko phakathi kwalezi zinhlobo zezibopho ngaphansi kwesivumelwano sesikweletu?

Uma kwenzeka uhlobo oluqinisekisiwe lwesibambiso, umboleki (umboleki) nesigceme sayo sinemithwalo elinganayo ebhange lomkweletu. Ibhange linelungelo lokufuna ukukhokhwa kwezibopho zezikweleti kanyekanye kubo bobabili abantu, ngokudalula izimali ezimbili.

Uma kunesiqiniseko sokuxhaswa, inkokhelo ye-guarantor ivela kuphela ngenani elingakhokhelwa ngubolekayo. Ukuqhutshwa kwesivumelwano sesikweletu esiphelile, uma lowo obolekayo ehluleka ukufeza izibopho zakhe, ibhange lizokwenza yonke imizamo ekhona yokuqoqa imali ngemali mboleko kuqala kusuka kumboleki-umbolekisi, futhi ngemuva kwalokho, uma kungenakwenzeka ukuwathola, uzokhokha inkokhelo yalo mgondini.

Isiqinisekiso sokubolekwa kwemali mboleko, isibopho esingenakugwemeka, ungasayina, kodwa okokuqala udinga ukwazi ngomboleki cishe konke. Lesi isimo sakhe somshado, indawo yomsebenzi, inani lemali engenayo yenyanga, ukusebenza kwezezimali nemikhuba yokuphila, ukubuyekezwa kwabanye abantu - ababolekisi. Kulolu daba, ngisho nezinyathelo zibalulekile, okuzokwenza isithombe somboleki futhi sihlole izinga lokungena kokuqala kokukhokha kwesibopho ngaphansi kwesivumelwano sesiqinisekiso.

Isivumelwano sesibopho sebheyili sakhiwa? Inkontileka kumele ifake amaqembu amathathu. Lona ibhange lokubolekisa, umboleki kanye nesigceme sayo. Bese kulandela inani lemali mboleko kanye nesikhathi esinikezwa ngalo. Isilinganiso semali mboleko kanye nenqubo yokukhokha izinkokhelo zenyanga zonke kuboniswa ngokwehlukana. Inkontileka ibuye ihlinzekele izigwegwe zezezimali ngendlela yezinhlawulo ngezikweletu ezibekwe ngesikhathi esifanele. Into ehlukile yalesi sivumelwano ihlinzeka ngesikweletu som guarantor ngemalimboleko, kungakhathaliseki ukuthi sincedwa noma siqinile. Ngokusayina isivumelwano sokuqinisekisa, qiniseka ukuthatha inkontileka yakho futhi, uma kunokwenzeka, ungene esivumelwaneni amaphuzu engeziwe mayelana nenkambo yokwazisa ibhange ngawe ngokwakho mayelana nenqubo yokukhokha inkokhelo enkulu kanye nenani lesithakazelo sokusetshenziswa kwalo. Lokhu kubaluleke kakhulu! Ukuze usayine isiqinisekiso ngaphansi kwenkontileka, isikhungo sesikweletu sinelungelo lokucela kumaphepha e-guarantor eqinisekisa ukufaneleka kwalo nokusebenza kwezezimali (ikhophi yencwadi yokurekhoda yomsebenzi, isitifiketi esivela emsebenzini, njll).

Ake sihlanganise. Ngakho-ke, isiqinisekiso esibolekwe ngemali mboleko yisibopho semali, okungenzeka sibe ngokugcwele noma okuyingxenye. Lesi sivumelwano asikwazi ukumane sichitheke ngokuthanda. Isiqinisekiso semali mboleko sivumelekile kuze kube sekupheleni kwesikhathi. Unganqikazi ukulawula inqubo yokubuyiselwa imali! Khumbula ukuthi uma kwenzeka ukwephulwa kwamaphuzu wesivumelwano somboleko, zonke izibopho zokukhishwa kwazo zizowela emahlombe akho. Ukuqapha kule ndaba ngeke kuphazamise. Ngempela, imali ithanda i-akhawunti. Futhi ukwanda kwazo, kanye nokunciphisa kwabo esikhwameni sakho, ngokuqondile kuxhomeke ekusebenzeni okwesikhashana ngumboleki-umboleki wezibopho zemali ezicatshangelwe esikhungweni sesikweletu. Ukubikezelwa - kusho ukuzivikela! Futhi uma, emva kwakho konke, isiqiniseko semalimboleko singenakugwemeka, ziqinisekise ngokwakho yonke imithetho futhi uphile ngokuthula.

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