Uyini akhawunti okuzisholo? Ukuqokwa kanye kuvulwa i-akhawunti yasebhange okuzisholo

On 01.07.2014 izinguquko kwi-Code Civil, lapho abaseRussia bavunyelwa ukuba avule ama-akhawunti ezikanye izihlobo. On Eqinisweni, amathemba kanye netimo tekusebenta, uzofunda kusukela kulesi sihloko.

izimfanelo

Imizamo yokuqala ukwethula i-akhawunti okuzisholo enziwa ngo-2007. Khona-ke ayenziwa mortgage emakethe. Kwamanye amazwe, 80% izindlu nezindawo ukuthengiselana mazenzeke ukusetshenziswa yensimbi akhawunti. Umqondo eziyisisekelo isingeniso yabo kwaba zokunciphisa izingozi e ukuthengiselana nge abaxhumanisi, okuyinto abakhonza ingcebo ejenti.

Izinguquko emthethweni uvele 2014. Manje, izakhamuzi uzokwazi ukusizakala izinkonzo ezimbili ezintsha. Vula i-akhawunti lophakanyisiwe futhi wenze ukuthengiselana nge izimali ukuthi singabakaNkulunkulu umzuzi. Noma usebenzise amasevisi kwabalamuli (yensimbi) e ukuthengiselana.

inhliziyo

akhawunti Okuzisholo - iseli ebhange, ephumela wesithathu lokufeza ukuthengiselana nge izindlela umzuzi sika. Inkontileka Service ezisazoba ngaphandle iqhaza umzuzi. Uma i-akhawunti okuzisholo e Sberbank siqala abahlomulayo amaningi, isikhungo udumo kwakufanele acabangele izithakazelo ngamunye wabo in umongo izinto ezikhethekile kokuba kuboniswe ngenye indlela kule inkontileka.

Isivumelwano kufanele abhalwe indlela okumele ilandelwe uma ukuthola ulwazi mayelana netinsita letikhona kanye nezinga ukubamba iqhaza umuntu wavula i-akhawunti kanye umzuzi. Incwadi yesivumelwano ingase yabelwe nejoka yasebhange ukulawula oda kanye nokusetshenziswa kwezimali ngezizathu. Ukumiswa nokusebenza, nokuboshwa kubuyekezwe laba imali kwezibopho umnikazi we-akhawunti akuvunyelwe. Endabeni umzuzi lokhu kuzodinga imvume enkantolo.

Uma i-akhawunti yasebhange okuzisholo kuvula inhlangano kwezohwebo, sikhonjiswa ngaphakathi 40702. Khona-ke, ngokuvumelana Regulations of Central Bank № 385-P, isikhungo ubophekile ukuba adlulisele ulwazi intela. Uma isicelo sithunyelwa umuntu oyedwa, konke okuhamba ke azoboniswa isihloko 40802, okuyinto imbozwe zoMthetho Federal "Ngo Idiphozithi Insurance". duty Bank - ukuqapha ukukhokhela yensimbi - hhayi kudingwa wumthetho, okungukuthi, uyobuswa inkontileka.

yensimbi

IBhange ivula akhawunti esikhethekile ezimali ye imali abayithole ngokuthengisa umnikazi (depositor) ukuze uthumele ukuba umzuzi ngezizathu eyayifunwa inkontileka. yensimbi imivuzo ayikwazi ukukhokhiswa ukuba izimali iseli uma singanikezwanga kule dokhumenti. Ukulandisa okunjalo kubuswa imithetho jikelele eBhange.

Ukwamukelwa kwezinye izimali yensimbi depositor sika, ngaphandle amanani elicacisiwe inkontileka, kuba inadmissible. Amaphathi bangasebenzisa imali kuphela ukubukeka ecacisiwe izimo. Kodwa Unelungelo zidinga invoyisi ephrintiwe, kanye neminye imininingwane ezakha ekusithekeni ebhange. I-Akhawunti kufanele ivalwe ekupheleni nenkathi yenkontileka. isicelo etlolweko omunye amaqembu kuleli cala azinamphumela.

akhawunti Okuzisholo kungavula nommeli, umenzeli ikhomishana, i-ejenti, obhekele intando lokufeza ukuthengiselana nge izindlela umzuzi sika. Isivumelwano sinquma indlela yenqubo yokuthola ulwazi mayelana nokusetshenziswa kwemali. Isici esiyinhloko we yensimbi ukuthi akawuvuli ekuqongeleleni imali, futhi ukuhlangabezana nezibopho. Ngokuvamile, izindlu nezindawo ukuthengiselana. Isikimu simiswe ngalendlela lelandzelako: efulethini umthengi kuvula yensimbi futhi kubeka ethile kuwo. Lapho beqeda kuthengiselana umdayisi uyithathaphi imali emva imibhalo isibonelelo eqinisekisa ukudluliselwa kobunikazi.

izindawo

EYurophu lehla ngokushesha inani akhawunti okuzisholo esetshenziselwa zokuhlala phakathi kwezinhlangano, abahlanganyeli emakethe zokuthutha zasolwandle, kanye nokwakhiwa. It ikuvumela ukuba ngokushesha uthole isiqinisekiso ebhange ku ngaphansi kwezimo ezimvunayo. Le sevisi futhi ngenkuthalo usebenzisa abameli kanye notaries emsebenzini wabo. Izitolo eziku-intanethi ulisebenzise ukuqinisekisa inkokhelo yezimpahla ngumthengi. Noma yimuphi kuthengiselana ukuthi lisikisela khona kwemibandela ethile, kungaba kwenziwe nge-akhawunti. Ikakhulukazi uma kukhona isidingo ukulawula ezengeziwe.

enye indlela

akhawunti okusha ingasetshenziswa izinjongo siqu. Ngokwesibonelo, uma iklayenti ivuliwe okuqukethwe umzalwane ohlala kwelinye idolobha, ungakwazi ukuvula ibhange cell futhi ulawule izindleko kwezimali. Imibhalo kumele ahanjiswe igama isihlobo, kodwa umzuzi - umuntu ngezimali ke. Ukufinyelela isitifiketi ibhange kuphela umzuzi. Okunye imikhawulo kungenziwa ebekiwe inkontileka. Ngokwesibonelo, ukuze ucacise ukuthi imali kumele isetshenziswe kuphela ukuba kukhokhwe ngezidingo, kanye cash Ukuzihoxisa - kokuvinjelwa.

izinkinga kokusebenza

Ngo umkhuba emhlabeni kabanzi akhawunti ngokuhlanganyela, kodwa abaseRussia Ziningi imibuzo mayelana ngenhloso lokhu kuthengiselana. Kuze kube yimanje, nozakwabo zangempela yensimbi esikweletu idiphozi ibhokisi. Kodwa la masevisi , credit izikhungo kunikezwa akuhlali.

Ochwepheshe iphakamisa imibuzo eminingi. Ngokwesibonelo, i-ejenti oba ayemkweleta, uma ibhange ehoxa ilayisensi? Ezimweni eziningi, lokhu kuyodingeka anqume umshwalense noma ukwenza ezinkantolo. Kodwa kule izinqubo isinxephezelo kufanele ngokucacile semthethweni ezingeni zomthetho.

Sekuyisikhathi eside Amabhange e Kazakhstan futhi Kyrgyzstan ahlinzekwa inkonzo kucocisana kumakhasimende ayo. Ukuvula i-akhawunti lophakanyisiwe kanye nokugcinwa yayo kuyabiza. Kuye isikhungo nezinjongo, izindleko kungaba isukela 1 kuya kwezingu-10. Ruble. Ukuze kokutholakala kwencwadi wesikweletu e Kazakhstan kuyodingeka bakhokhe kathathu okungako. amabhange Russian kukhona ekujaheni ukunikela eside yensimbi amakhasimende kusukela kwethulwa umthetho awuzange kusekelwa iziqondiso Central Bank.

isinxephezelo umshwalense

Zonke izimali ezifakwa emabhange baseRussia ivikelwe isimo. Ngisho oVikelwe iholo, okuyinto zidluliselwa ku-akhawunti. Uma ucabanga we plastic abanikazi yasebhange kumele bathole inhlawulo ezinsukwini techenie14 emva isikhungo credit ngabe ukuhoxisa ilayisensi.

Ukubala isinxephezelo kuhlanganisa yonke inzalo ngenxa ku idiphozi. Kodwa inani eliphezulu umuntu ngamunye kukhawulwe ruble ayizigidi ezingu 1.4. (2015), okungukuthi, uma ikhasimende wavula ezifakwa eziningana kwelinye ibhange, isibonelo, amagatsha ezahlukene, lapho umcimbi insured ngeke kucatshangelwe isamba izimali kuwo wonke ama-akhawunti. Nokubuyisela ku zakwamanye ezifakwa zikhokhwa ruble ngesilinganiso exchange of Central Bank. Kubukeka sengathi inqubo ejwayelekile.

Noma yimiphi imibuzo mayelana nama-akhawunti ngokuhlanganyela. Uma abahlomulayo eziningana, isabelo ngasinye kumele icaciswe. Kule ukubaluleka kuncike inani isinxephezelo ukuthi umtshali wemali uyobe uzothola. Umthetho uhlinzekela abanikazi ukwaba kuphela ngenkathi beboshwa lemali futhi sephule inkontileka. Iziyalezo isinyathelo ekuvalweni kwenhlangano lesiRotuma.

Uma, ukwenza isibonelo, i-akhawunti yasebhange okuzisholo wavula abahlomulayo ezimbalwa inani ezingaphezu kuka-14 mln., Inani umshwalense isinxephezelo izobalwa ngesisekelo ibhalansi jikelele, hhayi ngokuhlukile umzuzi ngamunye. Lona enengqondo. Uma iseli ndawonye, kanye nenani isinxephezelo kufanele basakaza kubo bonke abahlanganyeli.

From 2015 ukuba asayine isivumelwano sokuthula akhawunti okuzisholo kungenzeka kuphela izikhungo lapho 50% kungokwalabo enhloko-dolobha yesifundazwe. Nge, ukwethulwa kosizo amabhange wanqwamana nezinto eziningi ezaba izinkinga: ukuntuleka kwe-software adingekayo neziqondiso yangaphakathi elawula inqubo yesondlo. Ngakho-ke, ukukhetha izinhlangano lilinganiselwe.

Ikalwe ngu umnakekeli

Ngaphambili, zonke sithembele lesigceme lemali uyasho esitokisini ebhange. Umlondolozi kungenzeka adubule ngaphandle kwemvume umzimba isimo isamba engeqile ubuncane ukudla njalo ngenyanga. Ngaphansi imithetho emisha, zonke izinkokhelo ngenxa umuntu ezincane ukuze ufike esikhumulweni akhawunti okuzisholo ovulekile umuntu wesithathu. Guardian zingasebenzisa izimali ngokugcwele ngaphandle kwemvume.

akhawunti Okuzisholo - ibhokisi idiphozithi okuzothathwa uyasho yempesheni, ukondla obushade naye emuva kwesehlukaniso, kanye nezinye imali ekhokhiwe ukuze kugcinwe esigcemeni. Okukhishiwe amaholo kanye imifundaze umfundi. Ikalwe ngu umnakekeli kuvula ngokuthi kulethwe amaphepha avela emzimbeni sivikelwe. Ukuze kube isiphelo sesimiso sivumelwano kudingeka uhlinzeke imininingwane umzuzi: igama, usuku nendawo umuntu azalelwa, namakhophi asemthethweni nihlola ukuthi singobani lesi lesigceme, ikheli lapho uhlala khona. Inkontileka lophakanyisiwe akhawunti kungase kusinike ithuba ukuze uthumele esele idiphozi ibhokisi, evulekile kwezinye izikhungo noma Ukukhishwa kwemali, uma sokuvalwa umnakekeli zamanje. Izimali ingalandwa ukukhokhela kwezibopho lesigceme kuphela senkantolo.

yensimbi akhawunti

Izichibiyelo the Civil Code sidalwe kungolunye uhlobo idiphozi amabhokisi. Imali etholwe okweletwayo okweletayo, kungenzeka zifakwe ku-akhawunti ekhethekile yensimbi. Lolu khetho kuzovela ngemva ngokuthumela ikhophi yesivumelwano. Ngesicelo ibhange mortgagee kumele kuhlinzeke imininingwane ngokufinyelela kwi ibhalansi uzibophezele ukuthengiselana, enqabelo nemikhawulo. Zonke izinhlawulo liyakushunyayelwa ukwesulwa, ngokuhambisana Art. 349 we Code Civil, akhawunti nakwabangenangqondo sika izibambiso. On ezinjalo idiphozi ibhokisi engamboziwe lwemithetho ukuthengiswa kwempahla (Art. 350-350.2 Code Civil), kanye imithetho ukuqoqwa kwemali (Sec. 45 we Code Civil).

isiphetho

Ukulandela ukuchitshiyelwa koHlelo Civil Code on isilonda services yasebhange, izinhlobo ezintsha zama-akhawunti: i-okuzisholo futhi yensimbi. amaseli okunjalo asivulele wesithathu, kodwa ilungelo izimali eziyingxenye yazo ukuze umzuzi. Yini ezilinganiswe umqaphi? Leli bhokisi idiphozi, okuyinto uyasho izimali bamacala yesondlo. Ngo umkhuba emhlabeni, yensimbi ukuvula lapho ukuthenga impahla, ukuqinisekisa ukukhokhelwa kuthengiselana. AmaRashiya bakhathazekile isevisi entsha. Futhi isibalo izikhungo lapho ungakwazi ukuvula yeseli ngokuhlanganyela lilinganiselwe.