Ku noqo ujrada deynta: dacwada

Deymaha hadda waa mid caadi ah. Dhinaca mid, waxaa haboon. Uma baahnid in aad samayn wax si loo badbaadiyo, waayo, wax la doonayo, oo aad u iibsan kartaa lacag u amaahannay. Laakiin waxaa jira biyodiiday. First of dhan, dheeraadka ah uu noqdo arrin u dareemi sabab u accrual ee dulsaarka daynta. Waxaa intaa dheer, hadda bangiyada badan ka qaadaan macaamiisha lacag qarsoon adeegyada qaarkood. Ina keena aynu baaro in qodobkan, haddii accruals oo kale waa sharci, iyo sidoo kale fursad ay ku iyaga ka doodid iyo in ay hadda ku soo laabto miisaaniyadda.

Waa maxay guddiga amaah ah?

Heerka dulsaarka ay bixiyaan macaamiisha bangiga amaahda - waxa aan dhan lagu qasbay in ay kharashka soo food by macaamiisha. Guddiga amaah ah oo la odhan karaa hal shay oo ah kharashka. Dad badan oo guddiyo, kaas oo ilaa 2009 ogol yahay hay'adaha credit ay ku buuxin karaan heerka hoose, sharciga RF ku arko sharci-darrada ah. Ku noqo guddiyada deynta taariikhda waa mid aad u khusayso.

Guddiga Credit waa lacag adeegyada ay bixiyaan bangiga. Kuwaas waxaa ka mid noqon kara: bixinta hore, adeegyada amaah, amaah, tixgelin codsiga amaah, furitaanka iyo dayactirka account amaahda.

lacag Commission in la xisaabiyaa laga yaabaa in qadar go'an ama boqolkiiba.

Haddii xaq u deyn in ay iyada qabsada?

go'aanka waxaa loo sameeyey in 2009 by Sare Xalinta Maxkamadda ee Ruushka in komishanku ku amray hay'adaha credit bixinta amaahda, waa sharci darro. Maxaa ka dhigay macaamiisha bangiga, dhaqanka ee ay ka mid yihiin in heshiiska lacagta komishanka, xaq u leeyahay inuu soo celiyo guddiyada deynta. Tani xaqiiq waa wax run, laakiin haddii ay si dhab ah loo dhaqan geliyaa? Waxaan fahmi doonaa.

fiqiga

Sida laga soo xigtay go'aanka Xalinta Maxkamadda Sare, hay'ad credit waxay go'aamin kartaa lacag oo kaliya adeegyo dheeraad ah, ma ka mid ah oo ay ka mid ficil ah ee foomka of account amaah ah, tixgelin codsiga, amaah iyo kuwa kale. Tallaabooyinkan waxay la xidhiidhaan liiska, qayb ka mid ah waajibaadka bangiga ee. Oo u sahli doona ururka ama qofka filan marka codsi soo gudbinaya oo soo celiyo guddiga for go'aan aqbalaad ah.

Liiska Guddiyada sharci-darrada ah

Ku noqo ujrada deynta waa suurtogal, haddii ay si sharci daro ah laga qaado.

Xaaladda kuwa on go'aanka Xalinta Maxkamadda Sare helay khidmadaha oo dhan waxaa ka mid ahaa hay'adda bangiyada in heshiiska amaahda ah. The lacago bangiga ugu caansan waxaa ka mid ah: Adeegyada credit, adeegyada dejinta, dayactirka account amaah, caymiska, amaah.

Sharcigan ayaa ah Federation Ruush aqoonsan laabashada suurto galka ah ee guddiga kasta oo kor ku xusan.

Si aad u ogaato haddii la hadhay ama guddiga in, inta badan ilaa xad si dhow ula baaro shuruudaha heshiiska iyo jadwalka bixinta amaah ah. Display bixinta guddiga waxaa had iyo jeer arkay. ajuurada Qaar ka mid ah kharashka bangiga la qarin laga yaabaa. heshiis amaah ah ayaa ka koobnaan karaan sheegid xaqiiqada ah in macmiilku u ogolaaday in uu gabi ahaanba kharashka kasta oo la kulmo heerarka hay'ad credit. Heerarka si joogto ah kala duwanaan karaan, wax amaahdaana aan digay. Macaamiisha gudcurka ku sameeya, waayo, waxay si joogto ah bixinta fiiga.

In waxa la eego soo celin karaa lacagta iyo caymiska deynta?

Deadline soo gudbinta qoraalka ah sheegashada

Sharcigan ayaa ah set Federation Ruush in Guddiga soo laaban shuruudaha codsiga ee 3 sano. Haddii Guddiga Banking la oofin hore, amaahdaana yeelan doonaan in ay ka tanaasulaan ujeedka lagu doonayo in la helo lacagta ka bixisay dib. Marka socdo mudada 3 sano, on talada qareennada, waa in aad si degdeg ah maxkamad tagto iyada oo aan tallaabo hore. Markaas kaliya aad khasaariyey waqti badan.

Ku noqo guddiyada deynta - hab

Commission for credit arrinta ugu noqdaan ayaa hore u oofin amaah ama aan weli, in kiiska halkaas oo muddo xaddidaadda ah ayaa weli ma soo baxay. Amaahdaana, kuwaas oo go'aansaday in soo laabashada si sharci darro ah loo magacaabay bixinta guddiga on iyaga u gaar ah, waa inay u hoggaansamaan tallaabooyinka soo socda: dir Bank sheegashada ah, cabasho si CPS ka dibna maxkamad tago.

Codsiga bangiga

Claim for diraya Bank ee ay diyaar u yihiin in 2 nuqul. In dokumentiga dhibaatada waa in la muuqataa, taas oo ka amaahdaana kacay, codsiga soo laabto ka mid ah guddiga, oo ay ku jiraan inay marjic u soo saaray go'aan ku xiran of tribunal garqaadaha ah. Gaar ahaan waa in ay ka xarfaha oo ka mid ah bangiga iyo cinwaanka macmiilka. Sheegashada waa in loo diraa xafiiska madaxa hay'adda ka. Hal koobi waxaa loogu talagalay bangiga, iyo shaqaalaha kale ee xafiiska, waxaa la qorayaa doonaa taariikhda la helo, taas oo waa la xakameyn. On tixgelin codsiga waa inay qaataan wax ka badan 10 maalmood.

Sidee dhabta laabashada eedeeyay bangiga iyo caymiska deynta?

La Xiriirka Rospotrebnadzor

Haddii jawaabta bangiga muddo aan ka jirin gudahood, ka dibna qofka macaamilka ah wuxuu xaq u leeyahay in uu racfaan ka Adeegga Federaalka. Nuqul ka mid ah codsigaaga la stamp bangiga waxaa loo baahan yahay in lagu daro in warqaddii. hay'ad credit ayaa ka wanaagsan Rospotrebnadzor heli doontaa, wax amaahdaana yeelan doonaa faa'ido maxkamadda.

tallaabo sharci ah

Sidee loo soo celin ajuurada amaah la maro maxkamadaha?

Codso in maxkamadda in ay ku sugan yaraan, markii bangiga ahaa jawaab celin xitaa daaweyn Service Federaalka ka dib. Kharashka waa in aan ka cabsan, maxaa yeelay, hay'ad credit ah ayaa lagu qasbi doonaa in ay mag iyaga u. Maxaa yeelay, kiiska la xiriira ilaalinta sharciga xuquuqda macaamiisha, bixinta lacagta diiwaangelinta la bixin, waxaa ka. macaamiisha tirin karaa magdhow qalbidilka, xiisaha default, kaas oo la xidhiidha failure ee shuruudaha soo laabtay. Just for kiiskan waa lagama maarmaan waraaqo la hay'ad credit ah. The oo keliya kharashka amaahdaana garaafyada yihiin adeegyada sharciga, in ay dhacdo in go'aanka ah in ay ku noqnoqdo iyaga.

Waqtiga ugu danbeeya ee la helo lacag

In waxa muddo waqti ku noqon doonaa guddiga ugu of bangiga amaahda ah?

Ereyga celcelis ahaan soo laabashada guddiyada waa 3-4 bilood. Xilligan waxa ka mid ah kuwan soo socda:

• Ku noqo Commission ku salaysan iskaa wax u qabso ee uu baanku ku dul helo cabashooyinka macaamiisha 10 maalmood gudahood.
• Marka qadarka sheegashada in ka badan 50 kun oo ganacsi waxaa loo arkaa Maxkamada Degmada 2 bilood gudahood.
• Garsoore aragto sheegashada for lacag ka yar 50,000 oo bishii la soo dhaafay.
• Maxkamada dhaqan gelayo 1 bil gudaheed.
• sheet Fulinta la sameeyo 10 maalmood gudahood.

Go'aanka maxkamadda wuxuu dhif racfaan bangiyada, laakiin marka la isticmaalayo this waqtiga saxda ah loo taagay karo by dheeraad ah 2 bilood. Ka dib markii la helo amar qoraal ah ee fulinta ee maxkamadda, isagoo caydh ah loo soo diray codsi u Bank of Russia KDP. Qor lacagta ka soo account hay'ad credit iyo wareejiyay account of macmiilka. Si aad u soo laaban lacag si amaahdaana, waxaad u baahan tahay si ay u siiyaan heshiis amaah ah ee asalka ah, iyo sidoo kale rasiidhada lacag bixinta. Baanka ayaa soo saaray nuqul ka mid ah warqadaha.

Assistance hay'adaha sharciga ah

Haddii u macmiilku uusan ku qanacsaneyn guddiga bixinta hore ee amaahda, waxaa laga yaabaa in uu codsan Xarunta gaarka loo leeyahay gargaar sharci oo ah in dadweynaha.

dardargelinta geedi socodka waa suurto gal macmiilkii si hay'adaha sharciga ah in ay bixiyaan gargaar wax ka qabashada arrimaha ay ka mid. Shirkadaha ugu caansan ee la xiriira soohdinta reer Ruush Center for bixinta guddiyada bangiga. aasaaska Tan waxaa ku hawlan soo celiyo ee adeegga iyo furitaanka xisaab. iyada oo xafiisyo wakiil ee Moscow iyo dhowr magaalo oo kale oo Ruush. Ay ka mid yihiin caawimada amaahdaana ku iman kartaa in ururka, kuwaas oo la dhibtoonayo guddiyada sharci-darro ah: Rights Protection Center, La taliyaha Financial, Legal Defense Center.

Maxaa dhici doona haddii ay dhacdo colaad bangiga?

Return of kharashka bangiga amaah uu yahay mid aad loo jecel yahay.

Laakiin mid ka mid ah walaac ugu weyn ee amaahdaana, kuwaas oo go'aansaday in soo laabashada guddiyada, waa inuu joojiyo heshiiska Dhicis bangiga. Maxkamadda waxay aqoonsan tahay tallaabo sharci darada ah, tan iyo markii uu heshiis macmiilka iyo hay'adaha bangiyada waa in laga bedelin. Waxaa tirtirto doonaa oo kaliya cutubka on bixinta guddiga. Amaahdaana khilaafka sida bangiga laga yaabaa inuu wajaho diidmo in la dib-u-hesho amaah ah hay'ad iyo is geliyey category ee macaamiisha dhibaato. Laakiin dhacdadan ayaa laga diiwaan geliyay taariikhda credit ma noqon doonto, oo aan saamayn ku yeelan doono qaab amaah ah ee hay'ad kasta oo kale.

gunaanad

Waxaa lagu soo gabagabeeyey karaa in lacag celinta loogu talagalay bixinta amaahda waa dhab, laakiin waxa ay u baahan doonaan in muddo ah qaatay. Ka hor inta aadan la xiriiri bangiga amaahda ah, waa in aad si taxadar leh miisaantaan qodobada xun.