Lifaka imali Ifa phantsi komthetho

Yinto eyaziwayo ukuba ilifa yinkqubo nzima kakhulu kwaye elide. Phantsi komthetho, umntu angaqala eli lungelo iinyanga ezintandathu kuphela emva komhla ukufa kwalowo unqophisileyo. Ngamanye amazwi, ukususela ukuvulwa ilifa kufuneka kudlula kwiinyanga ezintandathu. Ngeli xesha, zonke iindlalifa abathi ilungelo labo inxalenye ethile welifa womfi. Ukuba umntu wayemele i-akhawunti yebhanki, izalamane, ukuze uyifumane, kufuneka ulungiselele inani amaxwebhu kunye nemimiselo. lifaka imali Ifa - inkqubo enzima ngemali na isicelo abantu iindlalifa efanele.

Indlela ukufumana ilungelo ilifa?

Ngokomthetho, zonke iimali uswelekileyo, nangona ebhankini okanye hayi, yiya kwi isizalwane. Ukuze ufumane imali, kufuneka iphumele nkqubo wokulandelelana. Iimpawu ukufakwa kwemali ilifa ezi mali ngendlela ezifike. Kodwa kuqala, kufuneka uqale eli lungelo. Ukuze wenze oku:

• intando ezecawa, phambi olo xwebhu. Noko ke, ukuba lo mntu ubhubhileyo ukuba abantwana abancinci okanye abaxhomekeke, awusayi kunyanzeliswa ngokupheleleyo.
• sengqondo Testamentary, sibhalwe ebhankini. Xa uvula idipozithi, amaziko ezemali, liboleke abanye ke umnqophiso womyoleli, kwimeko ngokufa kwabantu abagcinisa, lo ungeno kwi ekunene wokulandelelana udlula inkqubo lula.
• Ukwenza inkqubo yamangenelo. Ngokutsho umthetho ilifa becala abazali, amaqabane nabantwana ibango. Olandelayo bamacandelo izalamane abasenyongweni abaxhomekeke ababe kubonelelo womfi.

lifaka imali Ifa

Abantu abaninzi bayazibuza, phi na uqale? amagqwetha abanamava Kunconywa ukuba utyelele i-ofisi ye izivumelwano, ukuba eyaqhotyoshelwa lo mntu ubhubhileyo, kwaye bathi apho ilifa. Ukuze ufumane imali iidipozithi, kuyimfuneko ukuba abhale ingxelo. Emva kokuhlola igqwetha lakhe uya kukhupha isiqinisekiso leyo eqinisekisa ngokusesikweni lilunge nawe ilifa.

Ngesi xwebhu kufuneka uye elunxwemeni apho imali. Funda ubukho babo, ungasebenzisa naliphi na igama xwebhu. Abasebenzi zamaziko zemali-credit ukuqinisekisa oku kulandelayo:

• ilungelo ilifa abemi abenze izicelo ebhankini;
• phambi umfi kunye namatyala indlalifa, ukuba oko kuqinisekisiwe, umenzi-sicelo unyanzelekile ukuba ahlawule lonke ityala.

Ukuba umqeshwa yebhanki Ukuqiniseka ukuba semthethweni kwamalungelo ezihlangwini waza wabona imbali elungileyo ngetyala, kuthatha isigqibo esifanelekileyo. Oku ingxelo ebhaliweyo uligqwetha leyo ebhaliswe mntu ubhubhileyo.

Ngawaphi amaxwebhu ezifunekayo ukuze bafumane imali ilifa?

lifaka imali Ifa - utyando oluntsonkothileyo. Ukuze ufumane yonke imali kufuneka lingenise la maxwebhu alandelayo:

• yokundwendwela (proof of identity). Ukuba ezihlangwini non-umhlali, uye ukubonisa ngakumbi kwaye visa (iguqulelwe Russian);
• ikhadi bank and contract lamapasi;
• isiqinisekiso sokufa;
• umyolelo (ukuba zikhona).

Xa kungekho iphepha, eqinisekisa lilunge nawe ilifa, kumele ukuba uxwebhu eza kubonisa ubukho phakathi kweentsapho. Ukuba kukho isimo testamentary, ngoko ke makeze nekopi uxwebhu kubameli, kufuneka kuboniswe. Ukuba ayinalo, ibhanki thaca uxwebhu eqinisekisa ilungelo ilifa phantsi komthetho. Emva onke amaphepha eziyimfuneko ziqokelelwe, kufuneka ukuba ulinde iinyanga ezintandathu. Emva kweli xesha, yindlalifa baya kufumana yonke imali ukuba wayefanele ukuba.

Igalelo ngentando

Phantsi komthetho, nawuphi na ummi, evula i-akhawunti yebhanki, unelungelo lokukhupha umyolelo. Kuyo, ugqiba ukuba ngubani oza kufumana imali xa ekufeni. Ziindlalifa abe izalamane, naziphi abantu nemibutho. Le mpahla unelungelo ukulahla kwizabelo-mali njengoko ebona kufanelekile. Nakuba kunjalo, kukho iqela labantu abathe, kungakhathaliseki ukuba iminqweno abagcinisa unelungelo Ifa.

Kakade ke, sithetha abazali, amaqabane nabantwana womfi. Oku kwakhona wongezelela senze abaxhomekeke kuwe. Nangona yoxwebhu kanye, aba bantu kufuneka kuba yinxalenye yelifa - ngecala ubuncinane. cash iidipozithi testamentary lula kakhulu le nkqubo. Ukuze ufumane imali, ukuba indlalifa kufuneka ihlawulwe kwi izivumelwano kunye nesicelo sobulungu emyalelweni, isiqinisekiso sokufa, intando kunye nayiphi na ibhanki iphepha esemthethweni. Ukuba yenziwe kahle, izivumelwano liya kukhupha isatifiketi esiqinisekisa ukungena ilifa.

lifaka imali Ifa phantsi komthetho

Ukuziqhelisa, ngokufuthi kukho iimeko apho kukho umyolelo engekho, ngoko ilifa kuthatha indawo ngokomthetho yangoku. Kukho Ufolo ezisibhozo abantu abathi ilifa kuxhomekeka kumlinganiselo phakathi kweentsapho. Isebenza ngale ndlela: zonke ummeli olandelayo kuthathwa ndasukuzana ngokupheleleyo-epheleleyo xa engekho lowo wangaphambili. Ukuze ubone ukuba indlalifa yabelwa iinyanga ezintandathu. Ngelo xesha, bonke abantu abathi ukufumana impahla, kufuneka afake isicelo izivumelwano kunye namaxwebhu ayimfuneko.

cash iidipozithi ilifa ngaphandle komyolelo idlula inzima kancinci. Ubunzima kukuqinisekisa kummangali osemthethweni. Xa wayebhekisela indlalifa ukuya izivumelwano makangenise la maxwebhu alandelayo:

• yokundwendwela (proof of identity);
• isiqinisekiso sokufa;
• ke, ukuba ikhona;
• iphepha elisemthethweni elunxwemeni;
• isiqinisekiso weqondo phakathi kweentsapho.

Emva kokuhlolisisa bonke izicelo, izenzo izivumelwano ngokuhambelana nomthetho. Yena uya kukhupha isiqinisekiso kumntu lowo yindlalifa lokwenyaniso. Emva kokuphela kweenyanga ezintandathu, umfaki-sicelo ukuthatha yonke imali ukuthembela.

sengqondo testamentary

Kule mihla, abantu abaninzi bakhathazekile bayahlelwa imali yabo, ngoko ke imali iidiphozithi ilifa Ndizuze ukubaluleka ekhethekileyo. Abatyali yenza ifumaneke ebhankini, apho isabelo elabelwe ziindlalifa. Olu xwebhu ibhaliswe simahla kwi sicelo. Ukuze ufumane kuyimfuneko ilifa testamentary sengqondo.

Nangona kunjalo, kukho ezinye izinto:

• ukuba umntu obhubhileyo alinayo izalamane kunye akukho nokuthanda ebhaliweyo, yonke imali lugqithiselwa kurhulumente;
• umtyali-mali unelungelo ndibagqogqe abantu abathile, esibonisa ngayo ukuthanda kwakhe;
• yinxalenye idiphozithi uyakwazi ukufumana abantu alungiselele umngcwabo;
• ipropati ifakwe kwibhanki ezifunyenwe kuthathwa, ngoko, isiqingatha isixa eya kwiqabane elisaphilayo (umkakhe);
• ukuba indlalifa umntwana, yena masingabek eneminyaka eli-18;
• ukuba intando zange ukucacisa isabelo iindlalifa, ziyashukuxwa ngokulinganayo.

Ukuziqhelisa, iimeko ilifa rhoqo kuvela kumangala. Phakathi kumatyala embambano, ukuba ziphakathi kwezona zininzi. izigqibo Court kwigalelo ilifa lemali efunyenweyo phantse lonk kwicala labo ziphakamile efolisiweyo.

ntela

Okwangoku, lo mbandela ilawulwa ngumthetho federal owiswe ngoJanuwari 2006. Ngokutsho isenzo olumisiweyo esemthethweni yemali iminikelo ilifa ayikho irhafu. Kodwa ke kufuneka ulungiswe. Iintlawulo inyanzelekile ukuba ilifa musa ukuhlawula abantu abameli kwinqanaba lokuqala, yaye abemi oluhlelelekileyo nasentlalweni. Ziye ke kunyanzelekile ukuba negalelo imali ukuze imali karhulumente kulo, ezifikelela kwi-0.3% ye-mali sedipozithi.

Ezinye iindidi sicelo kufuneka ahlawule ukusuka-5 ukuya kwi-15% yerhafu khomiwa kwi ukurhoxiswa okanye ukutshintshela kwenye akhawunti. Apha, amagqwetha kucetyiswa ukuba uqhagamshelane kunye nabasemagunyeni yerhafu, njengoko imithetho atshintsha rhoqo.

Njani ukuze ufumane imali ngaphambi kwexesha?

Nangona lo mthetho simisela kwisithuba seenyanga ezintandathu ukufumanisa i-sicelo kunye namalungelo abo, kukho iimeko apho unako ukufumana imali ngaphambi kwexesha. Ngokomzekelo, inxalenye mali enikwa abantu bekwi komngcwabo, ngokuqhelekileyo abahlobo okanye izalamane.

Ukongezelela, imali unako ezakufumaneka ukuba echithwe ngexesha ubomi umfi unyango lwakhe. Urhulumente ubonelela inxalenye isixa ezi njongo phambi obekiweyo. Umbutho kamasingcwabane kwaye unyango ayikwazi kunikezelwa engange ngaphezu kwama-40 000. Ukuze ufumane le mali, kufuneka angenise ebhankini ize ilubeke isigqibo eqinisekisiweyo.

amandla ngummeli

Ukuba umntu, owathi ngawo umthetho-sicelo engundoqo akakwazi isicelo izivumelwano okanye ibhanki kufuna iingcebiso zomthetho kwi iidipozithi ilifa imali. Kwiimeko ezininzi, ukhetho yokuma kwi ecaca ukhetho - amandla ligqwetha. Oku kwenziwa ebhankini ngexesha lesivumelwano. Kulo mzekelo, nawuphi na umntu omaziyo isihlobo okanye lowo wenza amandla egqwetha unako ukufumana imali.

Ukushwankathela, kusenokwenzeka ukuba kuqatshelwe ukuba iimali ezidipozithiweyo inkqubo ilifa kakhulu elide. Le meko lula ukuba umfi wenza umyolelo apho zonke izabelo ezisasaziweyo. Kulo mzekelo, ukungenisa amaxwebhu ayimfuneko ukuya uligqwetha, emva kweenyanga ezintandathu, yindlalifa baya kufumana yonke imali ukuba bekufanele ukuba phantsi komthetho.