Isiqiniseko kwi-mboleko. Zixhobo ... Isilumkiso ayisoze!

Nokukhutshwa mboleko yeentengo zemboleko lisoloko linxulunyaniswa engatsho lokubuya kwakhe. Ngoko ke, amaziko credit sebenzisa zonke iinketho kunokwenzeka ukuba siphephe le meko. Enye ukhetho okunye ekhuselekileyo ngetyala kwaye lisebenza isiqinisekiso semali-mboleko. Kodwa ke kubaluleke kakhulu ukuba ukuqonda kakuhle eli yesivumelwano phakathi ebhankini otyalwayo, lo mboleki kunye wowona wayo. Ngapha koko, le siqinisekiso kwi mboleko nje siqinisekiso iphepha, kwimeko kokuvela ethile amandla majeure okanye ezinye iimeko ongeke ebomini sibuye nomkhwezeli kwaye ilahleko enkulu yemali waba ngummeli wowona ulungileyo. Ngoko ke, ethetha wowona-mboleko, kubalulekile ukuqonda zonke iziphumo wokutyikitywa kwale mvumelwano ne non-inzaliseko neemfanelo zabo phantsi kwawo yi umboleki kunokwenzeka. Isiqiniseko kwi mboleko phantse akunakwenzeka ukuba awuqhawule phambi kokuphela kwexesha elimisiweyo kwayo, nokuba uphulukene ukholo umntu, nokuqinisekisa eyathi ibhanki otyalwayo.

Okokuqala, lo siqinisekiso kwi-mboleko - imbopheleleko okwemali kufuneka ukuba uhlawule waba ngummeli wowona ulungileyo xa yimali ye umboleki; ngokuba lowo sekisa. Ngokusayina le siqinisekiso-mboleko, khumbula oku. Sekunjalo, ukuze amathuba ezingemnandi angaba, ukulawula kokubuya-mboleko.

Kwi-Code Civil ibonelela wammela solidary kunye subsidiarity. Sinzima, Warranty hlobo ngokuyimfuneko ibonakala wokutyikitywa kwesivumelwano amathathu kwi-mboleko. Yintoni umahluko phakathi kwezi zimbini ntlobo yezibophelelo phantsi sivumelwano semali-mboleko?

Kwimeko apho uhlobo mboleki solidarity siqinisekiso (umboleki) kunye iziqinisekiso zalo ziya kuba izibophelelo alinganayo ebhankini otyalwayo. I-Bank inelungelo lokufuna lokuhlawula ngetyala ngaxeshanye izibophelelo kunye omabini amaqela, ebeka ibango lemali ababini.

Xa enye, isiqinisekiso ukusuka liability wowona kuvela kuphela imali eshiyekileyo ye-nye umnikimali nomamkelimali. Ngokusekelwe kwi waqukumbela isivumelwano semali-mboleko kunye non-inzaliseko izibophelelo yi umboleki ibhanki iya kwenza zonke iinzame ukuze ahlawule imali-mboleko yokuqala umboleki-unetyala, yaye ngoko, ukuba awukwazi ukufumana kwabo, baya kuba ukuchacha zayo iziqinisekiso yayo.

Isiqiniseko kwi-mboleko, uxanduva leyo engaphephekiyo, unako ukungena, kodwa kufuneka aqale azi malunga kubaboleki phantse nantoni na. Oku bakhe ubume bomtshato, indawo yengqesho, ingeniso rhoqo ngenyanga, ukusebenza kunye nobomi imikhwa zayo zemali, izimvo ngaye kwabanye abantu - amatyala. Kulo mba, zibalulekile izinto ezincinane, eziya kudala umzobo umboleki kwaye bahlole iqondo umngcipheko izibophelelo intlawulo phantsi isivumelwano siqinisekiso.

Yintoni kwesibophelelo isiqinisekiso? Isivumelwano kufuneka kuboniswe macala ezintathu. Le kweebhanki umbolekisi, lo mboleki kunye waba ngummeli wowona ulungileyo. Le ilandelayo ke imali mboleko kunye ixesha ikhutshwe ngawo. Ngokwahlukeneyo ubonisa umyinge kwi-mboleko kunye intlawulo iintlawulo zenyanga. Isivumelwano kwakhona kubonelelwa, kunye nezohlwayo zemali ngohlobo inzala kwimali iimali ezingekahlawulwa ngexesha elililo. A into eyahlukileyo kule mvumelwano unika liability waba ngummeli wowona ulungileyo kwi-mboleko okanye inkxaso, okanye nobunye. Ngokusayina kwesibophelelo siqinisekiso, qiniseka ukuba ikopi yesivumelwano kunye, ukuba nigcwalise kunokwenzeka iingongoma of agreement ngobume ebhankini ukwazisa wena buqu malunga nenkqubo kwemali-mboleko kunye nomdla izixa ukwenzela ukusetyenziswa kwayo. Kwakhona kubalulekile kakhulu! Ukuze basayine imvumelwano of isiqinisekiso kwiziko lamatyala unelungelo lokucela ukusuka amaxwebhu wammela abaqinisekisa semthethweni yakhe kunye nokusebenza kwemali (ikopi yerekhodi yengqesho, isiqinisekiso sengqesho, njl njl).

Ngamafuphi. Ngoko ke, lo siqinisekiso kwi-mboleko - kwisibophelelo ngemali, leyo isenokuba nokuba ngokupheleleyo okanye ngokuyinxenye. Le mvumelwano nje ipheliswe ngokwesicelo sakhe. Isiqiniseko kwi mboleko lisemthethweni de kuphele. Zive ukhululekile esweni inkqubo kwemali mboleko! Khumbula ukuba xa waphula umthetho amanqaku isivumelwano semali-mboleko zonke izibophelelo ukuphunyezwa kwayo ziya kuwa emagxeni akho. Isilumkiso kulo mba ayisoze. Ngapha koko, imali uthanda akhawunti. Nokwandisa ukuncitshiswa yabo kwiwalethi bakho buxhomekeke ekwenzeni ngexesha yi umboleki, lowo ubolekayo kwenziwa amatyala kwiziko yokubolekisa. Sasinixelele ngenxa engaphambili - is forearmed! Ke ukuba niphikele siqinisekiso mboleko engaphephekiyo kuba inshorensi yonke imithetho aze aphile ngoxolo.