UMthetho Federal "Ngo Mortgage (mortgage)" N 102-FZ ka 16.07.1998

Ilungelo ukushiya impahla ukuqinisekisa ukuvikeleka amaRashiya amaningi namuhla bajabulela. Nokho, akubona bonke yafundiswa uMthetho Federal "Ngo Mortgage", ulawula ngqo omunye izindawo obolekisayo. Lesi sihloko uyodala incazelo emfushane amaphuzu ayinhloko we Bill.

ku-mortgage

Yini ngokuvamile kuba inkontileka mortgage? Umthetho wamanje "Ngo Mortgage" kusho ukuthi ngenye inhlangano ukuthengiselana kufanele kube mortgagee, okungukuthi umbolekisi, kanti olunye uhlangothi - the mortgagor, noma umane okweletayo. Pledger kuhlinzekwe yinkampani mortgage, okuyinto kungani kubonakala emsebenzini esisodwa esibalulekile: ukuhlangabezana nezidingo wezimali pledgee, okweletayo uye walungiselela ingcebo.

Umthetho "Ngo Mortgage" kusho ezingase amabhizinisi, izakhiwo, zokuhlala, ezweni kanye nezinye izakhi zifakwe ingcebo. I inzuzo zalezi zinhlobo impahla kuyobuswa umthetho osebenzayo.

Izimfuneko enikeziwe mortgage, hhayi kangako kukhulu: it is ukukhokha umbolekisi lemali ukweletwa ukusetshenziswa wesikweletu. Njengomthetho, inkontileka mortgage usungula isamba esiqinile izidingo eziyisisekelo futhi ezengeziwe mortgagee. Noma yisiphi isivumelwano okunjalo kumelwe ube ngokuvumelana esiqinile umthetho "Ngo-mortgage".

On the subject of mortgage

Yini impahla ingaba njengesihluthulelo kuncike esisemthethweni mortgage? Ngokomthetho okukhulunywa lapha wukunikeza:

• iziza, okuyinto sidlulela ngalé ubukhulu esincane noma oluhambisana;
• izakhiwo kanye namabhizinisi, esetshenziselwa umsebenzi ebhizinisi;
• izindlu namafulethi nge amakamelo ahlukene;
• emagalaji, izindlu kanye engadini engadini;
• emoyeni, ulwandle noma isikhala lwemikhumbi;
• zokupaka.

Umthetho "Ngo Mortgage" kusho ukuthi isihloko mortgage nazo izesekeli, zihlanganiswa into esemqoka. Kule ngxenye impahla izinto indivisible ngeke ukwazi ukwenza njengalelo isihloko yesivumelwano.

isiphelo sesimiso inkontileka

Iphuzu elibalulekile lonke inqubo mortgage abolekise yisiphelo sesimiso afanele inkontileka. Lokhu kufanele kuthathe indawo ngokuhambisana nezinhlinzeko Russian Civil Code. Okuqukethwe yesivumelwano kufanele ibonise okulandelayo:

• ngqo isihloko mortgage, isidalwa sakhe, ubukhulu kanye izici zokuhlola;
• igama nendawo indawo into (ukuhlonza ngqo ngamasimu izinto);
• incazelo enembile nezibopho ukuthi kuhlinzekwe isivumelwano mortgage, kanye isisekelo ukuvela isikhathi sokusebenza yesivumelwano;
• inqubo kanye izimo ezidingekayo yokunquma inani, uma inani izonqunywa esikhathini esizayo;
• nezikhathi kwenkokhelo kanye nobukhulu bazo, uma isihloko mortgage abolekise kuzobe kudayiswa izinqamu ngezinqamu;
• inkomba amalungelo Ubunikazi mortgage mortgagee.

Yini ngempela ubizwa ngokuthi indlu? Kuyini le dokhumenti, futhi sihlobana kanjani inkontileka mortgage? Izimpendulo zale mibuzo eziqukethwe Isahluko III yomthetho "Ngo-mortgage" (uMthetho Federal №102).

mayelana mortgage

Mortgage - leli yigama nokuvikeleka hlobo. Ngalesi idokhumenti angaphansi isitifiketi womnikazi wayo amalungelo alandelayo:

• ilungelo impahla eseduze, ofakelwe yesivumelwano mortgage;
• ilungelo ukusebenza ezibophweni ezingokwezimali ngaphansi mortgage.

Ezinye izinhlobo zokungabi ukuhlonza ngaphandle a mortgage, kodwa umthetho lingashoni khona. Kulokhu, abantu ubophezelekile, ngokuvumelana mortgage, kukhona kokubili pledgor futhi okweletayo. Ukudweba i-mortgage njalo bekwi-pledgor.

Kwezinye izimo, Ukukhishwa mortgage ngeke lisetshenziswe? Umthetho kahulumeni efanele libhekisela kwale mibandela elandelayo:

• isihloko mortgage kuyinto eziyinkimbinkimbi impahla;
• inani izikweletu ku mortgage akachaziwe, futhi azikho izimo ezaziyobonisa ukusiza ukuthola leli nani.

Iphuzu elibaluleke kakhulu okuqukethwe mortgage, okuzoxoxwa olwengeziwe.

Okuqukethwe mortgage

Ngaphansi kumagama samanje umthetho "Ngo-mortgage", ngesikhathi Ukukhishwa original mortgagee mortgage kumele aqukethe:

• amagama kanye nemininingwane ingubani le pledgor kanye pledgee (izimfuneko Imininingwane kuzohluka kancane kuncike ekutheni abantu wemvelo noma womthetho abanengxenye esivumelwaneni);
• Ngaphakathi the gama of inkontileka, uma mortgage;
• ucacise edingekayo mortgage Inani lenzalo;
• inkomba isikhathi sokukhokhwa isamba;
• imininingwane edingekayo ukuze abone yendawo okwakhiwe mortgage Kumiswa;
• nesignesha amaqembu yesivumelwano, kanye ulwazi ukubhaliswa isimo inkontileka mortgage.

Ihlanganiswe ngu mortgage unesibopho ngokugcwele nganoma yisiphi ngokulahlekelwa kuzona mayelana nokukhishwa mortgage noma ngenxa ukungafani ubuqiniso bayo. Futhi uzinake ukuthi ukuchitha okungenzeka izidingo ngazinye idokhumenti, uma-non-ukuhambisana zihlonzwe cishe ngokushesha nje ngemva nokulungiselela.

ukubhaliswa State

Isigaba 20 zoMthetho Federal ku mortgage njengesibambiso ingcebo ofunda oda sokubhalisa isimo yonke inqubo. Njengoba wazi, mortgage sesingasebenza kuphela ngemva olufanele isimo egawula. inkontileka kwasayinwa ngemvume zombili kule kuthengiselana, ungumthombo imithwalo yemfanelo.

Endabeni a mortgage, okwakuyoholela qinisa amalungelo pledgee, igunya yokubhalisa kungadinga mortgage uqobo, kanye imibhalo okukhulunywe ngayo kulo. Ukulandela imiphumela Imininingwane yokubhalisa ukuze pledgee ezintsha zizofakwa ku Unified State Register.

ukuthabela impahla

Pledger, wathola ilungelo sebenzisa iphuzu elilodwa noma impahla ezinye uyakwazi asuswe isihloko inkontileka zonke engenayo kanye nezinzuzo, uma lokhu akusho ukulimaza impahla kanye Ngeke ukwazi ukunciphisa izindleko zawo. Owayebolekisile angeke lokunika ilungelo ukusebenzisa impahla mortgagor. Yini enye engingabuye ukwenza okweletayo?

Ngokomthetho ku currency angaphandle indlu, le mortgagor kumelwe silondoloze impahla wathola zisesimweni esihle futhi ngendlela esifike ngesikhathi bathwale izindleko kwayo okuqukethwe - kuze kube sekupheleni inkontileka mortgage. Empeleni, lezi ezimbili kukhona nemithwalo yemfanelo eyinhloko okweletayo. Ngaphezu kwalokho, kuyafaneleka ukuqaliswa dolobha kanye nokulungisa zamanje, izinqubo umshwalense, izinyathelo nokuvinjelwa umonakalo ngamasimu impahla noma ukulahlekelwa, nokuningi. Umthetho uthi pledgor ubophekile ukuvikela impahla yabo kusukela izimangalo besithathu, kanye ngazo zonke izindlela ukuqinisekisa ukuphepha yayo.

ukudluliselwa impahla

Isahluko lesithupha acoce umthethosivivinywa uthi mayelana nokwenzeka ukudluliswa kwempahla eyisibambiso ngaphansi kwesivumelwano mortgage, kwezinye izakhamuzi. Kuyinto ngokupha izinqubo, ukudayiswa noma exchange, uthengiswa i pledgor. Kodwa unga plan onjalo kanjani? Lapha kungcono akunzima kangako.

Iphuzu elisemqoka elifanelana kufanele sinake - lokhu kuyinkomba kungenzeka ukudluliselwa komhlaba mortgage. Uma isimo esinjalo lelipelwe kulo mqulu, ke pledger neze ukwazi ukusebenzisa wonke amalungelo ngenhla (ngaphandle yefa ngaphansi intando).

Umuntu ekubeni indawo ye pledgor ozuza eziningi imisebenzi. Ngakho, isifungo impahla siyohlala sisebenza kuze nje okweletayo akagcwalisi yonke imisebenzi.

Kufanele futhi usho umthwalo onikezwe emabhange uma kwenzeka kokunikezwa kwe-imithetho. Wazibekela Russian Civil Code.

Imibandela yokugcina umthetho

Kungenzeka yini ukuba ulandele mortgage njengoba eseduze ukuqinisekisa langaphambilini, mortgage evelele? Law, ikakhulukazi lwesikhombisa ikhanda lakhe, ulawula kuncike ithuba umehluko wemisindo nemiqondo yamagama athile.

Isahluko Nine ubeka kwesokudla mortgagee ukuze foreclose ku impahla ukwanelisa izidingo zezomthetho akuzona abanamacala ababulawa. Lokhu kufanele kuthathe indawo enkantolo. Isahluko X ulawula ukuqaliswa impahla ngokusebenzisa endalini yomphakathi. Ukunquma mayelana nokwethulwa naye ungowasendaweni enkantolo. Ekugcineni, isahluko nanye umthetho okusalungiswa "Ngo-mortgage" uhlola ngokuningiliziwe imibono iziza ngabanye komhlaba, hhayi ukuba kuncike mortgage.

Mhlawumbe efundekayo kakhulu phakathi emabhange isiRashiya isahluko 13 ucoca izici mortgage emaxhaphozini izindlu. Ithi lapha mayelana nezidingo kwalolu hlobo impahla. Lokhu, isibonelo, ukuba khona amakamelo angawodwa, isidingo ukubhaliswa isimo ingcebo namanye amaphuzu. Kulokhu, senkokhelo yomthetho mortgage ephatha njengoba ukusetshenziswa ngokuphelele izibopho zawo ngokwendlu pledgor.