Bill chitsimikizo. Maonekedwe ndi malamulo a kupanga ngongole

Sheya, omwe amachokera ndi lamulo makope malamulo kuwombola amatchedwa wachilekaniro kuwombola. udindo wake - mu ndalama kukwaniritsa ngongole kwa munthu (mwachitsanzo, wamangawa) kwa munthu wina (mwachitsanzo, ngongole). Copyright cha mtundu umenewu sheya akhoza kunditumiza ku gulu lachitatu popanda chilolezo cha munthu lembani, koma mkulu wa mwini.

bilu chimatengedwa ngati mawonekedwe choyambirira cha sheya. Iye ali woyamba, analawirira m'mawa kwambiri mu dziko la makope chofunika chitetezo imene mmene wamkulu kapena wamng'ono panali mitundu yonse ya sheya. Ndipo bilu anali m'malo mwa promissory cholemba.

Lero, bilu anali kupitirizabe, koma malo ake mu dziko la sheya kuposa modzichepetsa poyerekeza ndi kumangidwa kapena m'matangadza.

pali kusiyana Kodi

The promissory cholembedwa ndi chitetezo ngongole, pamene gawo - lopita. Wonse iwo okha likulu ngongole osati maonekedwe ake zipatso kapena chofunika.

Ku nsinga bilu chimasiyanitsa ena specifications a mitundu weniweni kuli onse ogulitsira ndi:

- chida mwina ntchito ngati chida cha anapezazo ndi ndalama, ndi loletsa kwa nsinga;

- nkhani chomangira ayenera kulembedwa ndi boma, kuti mabilu si ladziko;

- chomangira tigulitse pa pangano la zogulitsa, bilu kokha pa dongosolo la munthu amene ali iwo;

- chomangira - pepala umuna, bilu ali ndi khalidwe wapadera (ngakhale pali zipani lalikulu bilu msika), etc ...

mawonekedwe awiri a zolemba promissory

Aliyense anazindikira mitundu - yosavuta wachilekaniro kuwombola.

Choyamba, nthawi zina amatchedwa promissory cholemba, ndi udindo mtheradi (kapena mopanda malire) kulipira ndalama ngongole ngongole. Ndipo kokha zinthu zotchulidwa mu tilipire. Ndipotu, wolipira IOU.

Iwo anapereka promissory cholemba pa mapeto a ndikupeleka chofunika, pakalibe wogula zofunika kulipira ndalama. M'malo mwake, anapereka chitetezo, zimene wogulitsa pa imeneyi mwachindunji ayenera kupeza kutchulidwa kuchuluka promissory cholemba. Pa atapita chofukizira zikuchititsa kuti wogula (mwachitsanzo, wamangawa) Bill atapeza ndalama zake. wamangawa A amalandira chitetezo, omwe tsopano ankaona kuti suzimitsidwa. Anapereka promissory cholembedwa mu dzina la ngongole ya.

Bill chachiwiri, wotchedwa bilu - lamulo limene imatengedwa mtheradi, kwa munthu yemwe anapereka izo, wamangawa ake kulipira chikhalidwe alembedwa mu kuchuluka pepala ndi gulu lina (chofukizira cholemba). Kuti ndi ndalama kuwombola ndi analembedwapo kuti lili palokha dongosolo kusamutsa kuchuluka anati kwa phwando kunja.

Tanthauzo la mtengowu ndi Choonekera kuchokera kwa mutu - izo anamasuliridwa ngongole kwa munthu wina ndi mzake. Nthawi zambiri, kabati (amene analemba pepala) nthawi yomweyo ali wamangawa ndi ngongole kwa munthu wina. Choncho, bilu n'kukulemberani yofunika wamangawa kulipira si kabati, koma mwachindunji ngongole ya.

mfundo zofunika za bilu ngati chitetezo ndi

chitetezo chilichonse - mosamalitsa chikalata ofunda. Choncho, kapangidwe ka mtundu uliwonse wa promissory cholemba umamumvera malamulo apadera.

mfundo zofunika za promissory akuti:

- promissory zolemba chizindikiro, kuti ndiye kuti ndi "promissory cholemba";

- udindo kulipira ndalama zina ayi chifukwa;

- kuchuluka mmene kanjedza ndi mawu (Kusintha kupanga mapepala opanda);

- deadlines chifukwa chobwezera cha ngongole;

- misonkhano ndi billholder;

- dzina ndi adiresi ya payee (kapena amene malamulo adzapanga malipiro);

- malo ndi tsiku zonse yokonza ngongole;

- siginecha cha mapepala a (yekha payekha).

mfundo zofunika za bilu amasiyana bilu chizindikiro chabe ( "wachilekaniro kusinthanitsa"), chofunika mtheradi kulipira pepala ichi kuchuluka ena, komanso dzina la samalipira ndi kumene iye anali.

Kuchuluka kwa ndalama monga limbikitse ndi

Ndi losavuta, ndi bilu kuchuluka kwa ngongole mmene kanjedza ndi mawu lingafanane. Mu nkhani ya kusiyana bilu imatengedwa kuti apatsidwe pa kuchuluka anasonyeza mawu. Ngati kuposa wina - tingati yocheperako kuchuluka. amafuna zolimbana saloledwa kuswa ngongole mu magawo angapo kapena nthawi. Ndalamayi anazindikira kudzipereka umboni kulipira mwachindunji kuchuluka, kaya chifukwa cha issuance.

Anandilola kuti apereke ndalama kwa ndalama anati peresenti. Iwo akhoza kukhala mbali ya malipiro okwana kapena kutchulidwa payokha. Komanso, chiwongola dzanja adzakhala chomveka ngati ndalama ya anakhazikitsa tsiku lomalizira la malipiro pa kufunika kapena pa nthaŵi inayake ya nkhaniyo. Nthawi zina, ngakhale mlingo uli ananenera, wolipira ali ndi ufulu kupereka chidwi.

Adiresi ya wamangawa ndi dzina lake

Ngati samalipira a bilu - mayina malamulo chilli, ndiye monga eni ayenera mwachindunji dzina zonse ndi adiresi malamulo. Ngati ngongole - payekha thupi, kwathunthu anasonyeza dzina lake ndi patronymic, komanso malo a kulembetsa ndi pasipoti deta. Chifukwa cholemba promissory ndi yokwanira. Mu bilu kabati ndi ngongole - anthu osiyana. Choncho, pepala ili mwa tsatane, ndipo anawonjezera adiresi chachiwiri ndi dzina la munthu.

chikhalidwe malipiro

A promissory cholemba wosindikiza wokongolayo, kotero pepala iye n'kukulemberani udindo wake kulipira ndalama chofunika.

Transferable promissory zolemba chikalata kuti ngongole wolipira, koma ndi chikhalidwe ngongole kwa gulu lachitatu - kwa wokongoza cha mapepala a. Choncho, bilu lilibe udindo ndi lamulo ngongoleyo.

Maturities ngongole

Mwalamulo alili motere:

- "pa kufunika". Ndiko kuti, mwamsanga pamene bilu akadandaule, zopelekazi anapanga. Izi ziyenera kuchitika mwa chaka kuchokera tsiku ndi mawu ithe, ngati si chinanena tsiku lenileni. Ngati akuchedwa bilu amakhala yosagwira ntchito.

- ". Mu ena nthawi pambuyo nkhaniyo" malipiro ngongole udzadutsa nthawi mwachindunji pambuyo pa tsiku Kutengera. Izo ziyenera kukhala pa kutsogolo kwa mawonekedwe bilu. chilemba ichi ndi chilolezo zenizeni za kubweranso kwa ngongole kapena masana onse kuukira mu kuvomereza lapansi.

- "Mu nthawi zina kukonzekera" - kubwerera pambuyo chiwerengero inayake masiku kuchokera tsiku kukafola tilipire.

- "Pa tsiku lina" - malipiro ngongole ndiyo tsiku zotchulidwa mu chitetezero.

Popeza mawu a bilu ya kuperekedwa kwa malipiro chaka chimodzi kuchokera tsiku kulembetsa ake. Ngati pepala silimanena tsiku ndi nthawi ya malipiro pa nthawi yomweyo, bilu ndi lisachitike.

Place alipire

Ngati chitetezo si chinanena kwina, malo malipiro anazindikira malo wokongolayo. Ngati bilu sanalowa m'malo mwa malipiro ndi malo samalipira, izo zimakhala yosagwira ntchito. Komanso pa malo angapo mwachindunji malipiro.

Tsiku ndi malo a pepala

Malo wamangawa ndi malo a kalembera wa bilu si chomwecho. Komabe, ngati m'malo mwa zolemba akusowekapo promissory sanalembedwe, pepala imatengedwa kuti linalembedwa mu malo amene ali pafupi ndi dzina la wokongolayo. Ngati bilu lilibe chilichonse malo kapena sakhalanso, chitetezo ndi sanaithetse.

Tsiku yokonza ngongole - ndi wogonjera yofunika chifukwa iwo amayamba nthawi kukhwima ndi udindo pansi tilipire. Adzachedwa anaona yosagwira ngati mwachindunji tsiku ndi zosatheka zojambula.

siginecha

Aikidwa pansipa dzina mokwanira ndi malo wamangawa mu ngodya m'munsi kumanja, ndipo okha ndi manja. Ngati bukuli ndi yolembedwa ndi bungwe lalamulo, ndiye kuwonjezera siginecha wake, chofunika siginecha wa mkulu yowerengera ndi ntchito sitampu. Bill invalidity zidzadziŵika pakalibe siginecha / siginecha. Komanso, ngati chikalatacho lonjezolo ndi munthu kapena osakhala sakupezeka popanda ufulu lowani izo.

zodzitetezera

Ndipo losavuta, ndi malangizo ndalama kupereka chitsimikizo zina kulandira malipiro a chitetezo mwa opereka ndalama chitsimikizo (aval). Timapereka ndi gulu lina (zambiri banki) kwa onse wolipira chachikulu, ndi kwa wina aliyense ntchito onyamula pa ndalama.

Aval - ndi lolembedwa wapadera mbali yakutsogolo kwa bukuli kapena pa pepala kutambasuka (allonge). Limati: amene chikalata chitsimikizo banki, tsiku ndi malo a nkhani. Ndipo kuika sitampu ya gombe ndi siginecha ya akapitawo choyamba. "Monga aval" - mawu amenewa anazindikira powerenga. Koma n'zotheka ntchito ina yabwino tanthauzo.

Guarantor pansi pa bilu (guarantor) adzabala olowa ngongole udindo. Ngati pepala analipira ndalama chikole, ufulu akuwuka kwa chikalata afika kwa iye.

Guarantor okha bungwe ndalama akhoza kuchita. Kuti ndi munthu wachibadwa ndipo ngakhale malamulo, chirichonse chimene nacho solvency, bilu chitsimikizo sangapereke.

Kodi amapereka chitsimikizo

Pali zifukwa zingapo, amene osati amathandiza kuti chitukuko cha kufalitsidwa bilu dziko. Nawa ena mwa iwo:

- sakhulupirira anthu (achilengedwe kapena malamulo) kuti chikalata bilu;

- kuthekera chinyengo;

- sitili mu dziko lathu la ngongole kukonza ndi dongosolo mlandu;

- si sizinatchulidwe malamulo a kusala nawuza bilu kuchuluka kwa amakana kulipira wolipira chachikulu (kapena insolvency), ndipo ena.

malamulo athu amaika bilu mwa sheya zina pa malo otsikitsitsa, ndipo zimenezi kumathandiza chakuti vuto la bankirapuse wa kabati operekera kumawononga adzakhala omaliza ima pamzere.

njira Judicial kuti zonena ofanana ndalama kukopedwa yaitali kwambiri, ndipo walonjeza palibe wina apereka ziyende bwino. Choncho, obwereketsa ndi kuyesa kuteteza zina okha ndi opereka chitsimikizo. Ziribe kanthu zomwe cholinga anapanga ngongole availing, guarantor amakhala mbali kufalitsa bilu. Komanso, ufulu, ofanana ndi anthu ena kusaina chikalatacho.

Kuopsa kwa wolandira

Oddly okwanira, koma bilu chitsimikizo sapereka ndi chitsimikizo mtheradi wa obwezeredwa a. Choncho, pamene mupanga chikalata angapo malamulo ayenera kutsata. Kulola kuchepetsa vuto zotheka yochepa. Tayani kwa onse chodziwikiratu mwina chifukwa bilu akuti ndi chitetezo cha chiopsezo.

Choyamba, tiyenera kufunsa mkulu khalidwe loya amene amadziwa mokoma onse a malamulo bilu. Iye akuyamba poona mapangidwe ake a chitetezo ndi chitsimikizo. Aliyense misprint, typo kapena inaccuracy deta angathe kutumikira monga chifukwa chimene wopanga sakufuna kupereka mawu "chilema mawonekedwe".

Lachiwiri, loya limafufuza guarantor. Komanso, solvency - si chinthu chachikulu. Muyenera kulabadira hayala wa bungwe (kampani). Nthawi zina mwa mawonekedwe a mosavomerezeka atathana udindo wa kuletsa wotuluka zokhudzana ndi chitsimikizo bilu. Ndipo ngati akadali waudindo aliyense wa gulu (kampani) anasaina bilu, ndiye Aval udindo imagwera pa iye. Komabe, nkhanza za ulamuliro adzalangidwa. Pali milandu pamene chikole ndikhoza kungopereka mutu wa kampani, ndipo ngakhale wachiwiri wake ufulu umenewu si. Mwachibadwa, chitsimikizo operekedwa ndi munthu wotereyu, komanso kumatanthauza mavuto aakulu kwambiri.

Tikumbukenso kuti guarantor nthawi zonse pangozi kulemba tilipire. Ndipotu kampani (kapena munthu) amene Chatuluka bilu ndipo anakana kulipira, akugwiritsa udindo pa guarantor lapansi. Russian malamulo pankhani imeneyi nthawizonse adamantly. Ngakhale imatsimikizirika kuti kabati poyamba anali dumbo, ndi iye ankayembekezera zochita zawo sindicho co-signer kupusitsidwa, ngakhale izi si kuthetsa iye pa udindo. Kuti ndi kulipira ngongole adakali kutero.

Purchase a zolemba promissory

Ndondomeko imodzi ya odalirika kwambiri ndi otchuka pakati zida ofanana ndalama mu sheya msika. ngongole ya kugula - si yopindulitsa njira malipiro, komanso kuthekera ndalama bwino.

Ndalama akhoza kupanga otchedwa ngongole mitengo kuwombola. Iwo ali ndi udindo pa ngongole kuchuluka zafotokozeredwa tilipire. Chidwi zimakhudza promissory zolemba chikalata kokha "pa kufunika", "pa kufunika koma osati kale kuposa tsiku la wotchuka" komanso "nthawi inayake za nkhaniyo." mawerengedwe wapangidwa pa nthawi yonse (chiwerengero cha masiku) chitetezo cha kupeza m'madirowa. Yambani tsiku - ndi tsiku kukafola Bill kapena chiwerengero zotchulidwa mu mpukutuwu. Komanso, Civil Code n'chakuti kuti ochuluka akuyamba ku tsiku lotsatira kuchokera tsiku anafotokoza. Ndipo Bank of Russia amapereka zimenezi: pa Kusinthaku lenileni la bilu sikuphatikizidwa mu nthawi mlandu pa promissory chidwi cholemba.

Mapeto tsiku nyengo chidwi - tsiku kukhwima (Ponena). Mwachibadwa, nthawi imene chidwi ndi kuchita masamu, sangakhale kuposa nthawi abomawo kugonjera chitetezo malipiro.

Pakuti amene amalipira chidwi pa bilu anayambitsa kuti ena kupeza chiwerengero cha masiku mankhwala a sheya pamwezi. Iwo mopitirira motere:

- Ngati chidwi accrued m'mwezi woyamba - tsiku la pachiyambi mpaka tsiku lomaliza la mwezi uno;

- Ngati chidwi accrued kukhwima mwa mwezi wa kugonjera - tsiku loyamba la mwezi panopa pa tsiku mwachindunji kugonjera ndi;

- ngati mwezi ina - chiwerengero cha masiku kalendala.