UmthethoUMhlayi wosuku

Izinguquko emthethweni ezikweletini. Umthetho "Ngo abaLawula (Ukuqothuka)"

Umthetho we Russian Federation mayelana ukulawulwa ukuthengiselana civil ishintsha njalo. Kungashiwo, isibonelo, kwenkululeko ubudlelwane izikweletu. Ikakhulukazi, umthetho phezu ngongakwazi ukukhokha izikweletu zezimali - kunombolo izenzo zomthetho, ngokuvamile ngempela kuncike ukulungiswa. Yiziphi ezintsha yakamuva lesishaya eziqukethwe kulo mthombo, libanakekele ekhethekile?

umehluko wemisindo nemiqondo yamagama zomthetho

Ukukhuluma emisha ephathelene nomthetho ezikweletini, kufanele kuphawulwe ukuthi eRussia kunendlela eyodwa kuphela zomthetho isenzo olawula ubudlelwane emkhakheni ezikweletini isici ngongakwazi ukukhokha izikweletu zezimali ehilela kokubili izinhlangano kanye izakhamuzi. Sikhuluma uMthetho Federal №127 «On abaLawula (Ukuqothuka)". Yena yatholwa 26.10.2002, le

Regulation Ukuqothuka abantu

Kwaphela isikhathi eside, lo mshini elisemthethweni lokulawula ngokugcwele ebuhlotsheni izikweletu kuphela ukubamba iqhaza ezinhlanganweni. Angasebenza izinkantolo ukukhalaza nezinhlinzeko zalowo Mthetho equkethwe ngongakwazi ukukhokha izikweletu amabhizinisi, kodwa hhayi abantu ngokomzimba. Nokho, ngo-2014 e-isenzo zomthetho engezwe ku-amalungiselelo ngenxa okuyinto wafaka for ezikweletini waba nethuba futhi izakhamuzi.

Akukho ngempela umbono ofanele ukuthi kukhona umthetho esihlukile ku ucabanga sabantu ngokomzimba. Lena akuyona ngakho. Ukuqothuka njengezakhamuzi nezinhlangano ulawula isenzo zomthetho imakwe FZ №127. Muva nje, liphinde umthetho ngongakwazi ukukhokha izikweletu of credit izikhungo.

Regulation ucabanga ngesikweletu kanye zezimali izikhungo

Iqiniso liwukuthi kuze kube nguDisemba 2014 umangalelwa nofana umangali ezikweletini, eqinisweni, amabhange, kulawulwa isenzo zomthetho ahlukene - uMthetho Federal №40, bamukela 25.02.1999 Ubani umthetho ophathelene ngongakwazi ukukhokha izikweletu zezimali, ngaleyo ndlela zimunye umthombo ovamile. Kungakhathaliseki indlela ulichaze - njengoba isenzo zomthetho olawula ucabanga amabhizinisi, amabhange, noma umthetho ngongakwazi ukukhokha izikweletu ngabanye - umbhalo yomthetho kuzoba eziningi bezimiso zawo yizinto ezifanayo, naphezu kweqiniso lokuthi ngesimo esingokomthetho izinhlangano ezingokomthetho izikweletu lihlukile.

Ngokucacile emisha

Iqiniso lokuthi umthetho ngongakwazi ukukhokha izikweletu zihlanganisa izinhlinzeko eziphathelene nenqubo kanye nekuhlanganyela kwebantfu zemvelo, kungase kubhekwe njengendlela ukuzwa: eminyakeni engaphezu kuka-10, ukuze sivumele isishaya-mthetho ukushaya indiva kungenzeka zokuqondisisa izakhamuzi ezikweletini, kodwa yabe isinquma ukuthi siphinde sicabangele salo sengqondo sokungafuni ezimbulungeni abafanele womsebenzi. Ngakho-ke, uma sikhuluma ezinye ezintsha emikhulu linamathele umkhuba wokusebenzisa umthetho ngokusebenzisa uMthetho Federal №127 ke lena yokuthi eRussia kwakukhona abantu umthetho ucabanga egcwele. Umbhalo isenzo zomthetho ngomdlandla waqala ukutadisha abayizakhamuzi ezejwayelekile. Ikakhulukazi, labo wakwazi ukuqoqa ezihlukahlukene nemalimboleko futhi aseqalile nobunzima nge izinkokhelo zabo.

Ngemva umthetho abafanele usezuze umbono ogcwele, eRussia kwakukhona umthetho ku ngongakwazi ukukhokha izikweletu sabantu zemvelo, osomabhizinisi, izinkampani ibhizinisi - ukuhlelwa entsha sisaqhubeka ukuze kwenziwe sivumele isishaya-mthetho. Basitshela ukuthi ezihlukahlukene izici kwenkululeko ubudlelwane izikweletu. Umsebenzi wethu - ukubheka ukhiye.

Regulator unake izinhlangano ezingokomthetho

Kungase kuqashelwe ukuthi izinguquko yamuva ezihlobene ngokuyinhloko ukuxhumana ezihilela amabhizinisi. Umsebenzi abantu okwamanje zibuswa iziqondiso ezifanayo, kodwa lapho ngokwabo ezintsha kakhulu. Izinguquko umthetho ku ucabanga we izinguquko zesimanje yamukelwa Disemba 29, 2014, kungaba kubhekwe ngqo okuhlobene amabhizinisi (nakuba uma sibheka ezinye zazo kungahunyushwa maqondana izakhamuzi). Ngakho-ke, sihloko, igama elithi "okweletayo" sisho ngokuyinhloko, inhlangano yawo ibe esemthethweni. Labo hlinzeka iluphi okuzoxoxwa ngalo, zisebenza ngokugcwele izinhlangano.

Ukuxhumana amabhange nge ukulamula umbango

Izinguquko Ezenzeka umthetho ucabanga kwayithinta lesi sici, njengoba nokuxhumana ababolekisi - isimo izinhlangano yasebhange, nge izinkantolo ukulamula umbango. Ngokuhambisana intuthuko yisikhungo sezinhlangano eziphambili zezezimali banikezwe ilungelo isicelo Ngokwesibonelo idatha, ngisho noma abanayo jikelele yomthetho inkantolo isinqumo esingakanani ukululama ngemva kokuphathwa kwezimali okweletayo sika. Kulesi mqondo, zokuthenga ngesikweletu Uthole isikhundla oyithandayo correlative roomates kuya ngamakhono izinhlangano yokuncintisana, okuyinto yena, kufanele abe ezimweni ezinjalo ebulawa isahlulelo esifanele.

izinkantolo ubuncane

Ukuze emisha ehambisana ababolekisi kwadingeka aye enkantolo ngokulandelana isinyathelo ekuqhutshweni. Ngemva kwalokho, kwadingeka balindele isinqumo zizokwenziwa phezu ukuqashelwa ezikweletini umboleki kanye nesidingo zokuluthola. Esigabeni esilandelayo kwakuhlangene luwukulindelwa ingakafiki isinqumo senkantolo force. Ngaphezu kwalokho, kwakungenzeka ukuba okweletayo kungaba ukufaka isikhalazo, kungadinga umbolekisi ehilelekile nezilingo ezintsha, futhi kahle, uma ngempumelelo kuye. Nokho, manje yayibhekisela inkantolo ayidingekile. Kodwa kufanele kuphawulwe ukuthi lo mthetho usebenza kuphela amabhange, okungukuthi, izakhiwo, ngokomthetho njengenkolo isikhungo credit.

Kulandzelana kwalokucuketfwe lokuhleliwe izenzo amabhange

Kuyoba kube usizo ukucabangela oda ezinye izenzo okumele, ngokuhambisana ezintsha zomthetho, landela ibhange ngesikhathi Ukusungula okweletayo ezikweletini.

Ngakho, lesi sikhungo credit ne ukungena force ukuchibiyela efanele, okuwukuthi, ukuphinde Julayi 1, 2015, kumelwe zibe yizinsuku ezingu-15 ngaphambi kokwelashwa ukuze ukulamula umbango okushicilela isaziso mayelana inhloso ukuqalisa inqubo ukuqashelwa okweletayo ezikweletini. Lo mbhalo ithunyelwa Enobunye Federal Register of ulwazi mayelana nezinhlangano ezingokomthetho asebenzayo. Phawula ukuthi ngaphambi ukungena force zezichibiyelo Umnqamulajuqu ngesaziso esifanele kufikela kuzinsuku ezingu-30, kanye nesidingo ukuthumela idokhumenti okweletayo, kanye abakweletwayo eyaziwayo ebhange.

Ngenxa yalokho emisha zomthetho Bank angaqalisa ucabanga we umboleki ngaphandle zilingo ezengeziwe. Ngaphezu kwalokho, unelungelo ukuqala umsebenzi ezifanele ngaphambi nezinye abakweletwayo, ngaleyo ndlela, owokuqala wathola anawo amaphepha adingekayo eziphathelene umsebenzi okweletayo ngesikhathi.

Ukukhetha isilawuli isikhathi ikhanseliwe

Izinguquko emthethweni ucabanga abathintekayo isici inqubo lokumisa kumphathi yesikhashana. Ngaphambi emisha okweletayo kwadingeka ilungelo lokukhetha umuntu owenza imisebenzi abafanele okusekelwe izintandokazi zakho siqu. Uma izinguquko umthetho sivunyiwe, ukulawula isikhathi babe enikezwe Ukukhetha okungahleliwe. Nokho, indlela ethize efana draw engakaze kunqunywe. Kule ndaba, umphathi elizobamba aqokwe enkantolo ekuvumeni imithetho izindlela ezidingekayo.

Ngaphambi emisha umboleki kungaba aqoke umphathi owayengamele, eqinisweni, inesibopho inkampani. Umuntu ophethe lesi isikhundla, akakwazanga ukuvimbela inkampani okweletayo liqhubekile. Kwakubuye kube okungenakwenzeka ukuba ngakususi, ukuthi "umphathi wakhe" ashalazele kuya izinkinga ezinkulu ngokwezimali we nakwabangenangqondo. Izinsalela kungenzeka ukuthi nezidingo ebhukwini ngeke kubandakanye abakweletwayo kabani izimangalo akuzona othandeakayo umboleki. Futhi, umphathi, aqokwe okweletayo, bangasiza inkampani ukwenza imisebenzi ehlukahlukene emthethweni, enjengokwakha esikhoselweni amaqiniso athile aphathelene inkantolo futhi abakweletwayo ngalesi simo.

Yini izinqubo ezidinga izinguquko okweletayo emthethweni ucabanga? Ngaphambi kokuthumela isicelo enkantolo, uma kuba umboleki omula izinqubo mayelana nokwamukelwa ngongakwazi ukukhokha izikweletu zezimali, kufanele ushicilele isaziso eziphathelene lomsebenti Register Unified. Ngemva kwalokho ngezikhathi ezimisiwe umphatheli e ezikweletini, kodwa, njengoba sibonile ngenhla, kanti le nqubo akuyona ezilungisiwe, futhi kukhethwa umuntu endaweni efanele ungaphakathi kwekhono inkantolo.

Usayizi ubuncane yesikweletu

Izinguquko emthethweni ngongakwazi ukukhokha izikweletu futhi wathinta phezu criteria ezifana inani lemali elincane izikweletu, okuyinto ilungelo izikweletu amaqembu ukuqalisa ucabanga ekuqhutshweni. Kulokhu sikhuluma kuphela mayelana okweletayo-izinhlangano. Ngaphambi ezintsha elihambisana ukubaluleka ayizinkulungwane 100. Hlikihla. (Ukuze monopolies yemvelo -. 500 THS). Ngemva izinguquko nemithetho kwandise izinombolo: Ukuqothuka kungacaliswa uma inkampani akufanele kube ngaphansi kuka-300 eziyinkulungwane, futhi uma it has isimo esinakho zemvelo, - ruble 1 million ... ngongakwazi ukukhokha izikweletu umthetho abantu, ikakhulukazi, libhekene nezimo abazwela ngokweqile kule isici inani eliphansi yesikweletu: ucabanga of isakhamuzi kuphela kungenzeka uma sekuyinto futhi abakwazi ukukhokhela ama-ruble ayizigidi 500 .. nokuningi. Kucondzaniswa mthetho kuze lesishaya awenzanga.

Amalungelo alabo bantu abakweletwayo okuphephile

Izinguquko emthethweni ucabanga emenza inkulumo kuvikelwe abakweletwayo - yalabo abanhliziyo Izinsolo kuvikelwe izimpahla ezithile elise impahla okweletayo sika, wathola amalungelo ezengeziwe. Miphi? Ikakhulukazi, ilungelo lokuvota emhlanganweni lapho izinkinga ziyaxazululwa kukhethwa control, kanye ikhanga yasenkantolo maqondana nokususwa umuntu izikhundla ezifanele ku ukwedlulela inkampani ukuphathwa wangaphandle. Ngaphambi ezintsha mortgage ababolekisi kungaba ilungelo labo lokuvota ngokuvamile kuphela esigabeni observation.

abakweletwayo okuphephile ngemuva kokwenza izinguquko umthetho banikezwa ilungelo ulungise ukubaluleka kokuqala eseduze, kanye oda lapho kumele amathenda olwenziwa. Uma umbono abadlali efanele ubudlelwane izikweletu ngeke uthole ukuqonda nabanye ababambiqhaza ekuqhubeni ucabanga, icala kufanele angenele.

Uma inkampani, okuyinto uthathwa njengomgcini ezikweletini, esikhundleni izimpahla Kwenziwa, isibonelo, uma ngesisekelo inkampani adalwe izinhlangano ezithile zebhizinisi, abakweletwayo okuphephile anelungelo ukwaneliseka sezicelo zabo ngezithukuthuku nokulingana amafa.

Ababolekisi isigaba abafanele banikezwa ilungelo kubuyise eseduze enqubeni ukubhida. Ukuze wenze lokhu badinga ukwenza umnikelo umphakathi uma isicelo iqhaza endalini yalolu hlobo etholakalayo. Lokhu, ngokusho kongoti, lingahunyushwa ngalezi zindlela indlela ezengeziwe ukuvikela izithakazelo abakweletwayo kuvikelwe.

Isikhathi komkhawulo

Phakathi kwezinye avelele, eyethula izichibiyelo zomthetho ku ucabanga, ungakwazi ukuhlukanisa indlela lapho abantu abakweletwayo ngalesi simo ucabanga zingase zithi inkathi ka komkhawulo maqondana nezinye izifundo, usale nezikweleti, umboleki ngokubeka phambili yesimangalo siphelelwe yisikhathi. Ngaphambili, kungenzeka ezifana singanikezwanga umthetho.

Isibopho isaziso ngesikhathi esifanele ucabanga

Tinhloko amafemu, okuyinto uhlangabezana nobunzima zezimali, futhi isishiya ukukhuluma mayelana nokubonakala izimpawu ezikweletini, aphoqelelwe ukuba azise abanikazi. Uma umqondisi enhlanganweni akagcwalisi lesi sibopho, maqondana naye kungenzeka bahlawuliswe imali engaba ama in inani ayizinkulungwane 25-50. Hlikihla. Ungase futhi uqaphele ukuthi toughen izinhlawulo nezinye izenzo ezingekho emthethweni ukuphathwa inkampani lapho ukugcwalisa for ezikweletini.

Ukuqothuka kufanele kube nengqondo

Ngaphambi nezinguquko emthethweni ucabanga Kuye kwenziwa, iyiphi izizathu ekunqanyulweni kwe izimo, isihloko okuyinto - ucabanga azange linikelwe. Lokho, isibonelo, ukuthola inkantolo kwanoma iyiphi ukuhlukunyezwa umqalisi kokuqhutshwa ucabanga akavumanga ukuza imiphumela ngokomthetho. Umthetho omusha uthi isikhalazo enkantolo, isihloko okuyinto - ukuqalisa inqubo ukuqashelwa okweletayo ezikweletini, akufanele kungagcini ubuqiniso esisemthethweni. Kubalulekile ukuthi lo muntu obolekayo ukukhokha izikweletu, eqinisweni.

Uma kunjalo, inkantolo ithola ukuthi okweletayo noma nomuntu ayemkweleta owaqala ekuqhutshweni ezikweletini, azi ukuthi it is inhlangano ezifanele kuphela, ukuthi nokujaha inzuzo, umangalelwa nofana umangali kungenzeka ngokomthetho okwesikhashana. Kuncike Yiqiniso, ukuthi ngesikhathi lo muntu obolekayo elahlekile pay. Lelo lungiselelo uvumele izinkantolo ukuba ukuvimbela usole phakathi abanamacala nabantu abakweletwayo, okungase, ngenxa yezimo ezihlukahlukene evumayo kubo, kodwa ngesikhathi esifanayo, ukulimala nabanye abanentshisekelo.

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