Federal Law "On Mortgage (chikwereti)" N 102-FL pamusoro 16.07.1998

Kodzero kusiya pfuma iri kuchengetedzwa vokuRussia vakawanda nhasi vanonakidzwa. Zvisinei, havasi vose akadzidza Federal Mutemo "On Mortgage", zvakananga inodzora mumwe dzine anomukweretesa. Nyaya ino kupa tsananguro pfupi huru dzehurukuro bhiri.

pamusoro mogeji

Chii Kazhinji munhu mogeji kondirakiti? Mutemo razvino "On Mortgage" anodaro kuti rimwe bato kuti kutengeserana zvinofanira kuva mortgagee, kuti ndiye akakweretesa, uye rimwe divi - the mortgagor, kana kungoti chikwereti. Pledger inopiwa munhu chikwereti, riri sei rinowanika imwe inokosha basa: kusangana mari zvinodiwa pledgee, chikwereti akatipa Real Estate.

Mutemo "On Mortgage" anodaro kuti mabhizimisi, zvivako, Apartments, nyika nezvimwe zvinhu anogona zvaisanganisira zvivako. The turnover pakubhadhara izvi pfuma inofanira kudzorwa mutemo zvinoshanda.

The zvinodiwa kuti akapa chikwereti, kwete zvikuru: riri kubhadharwa akakweretesa mari chikwereti kuti kushandisa zvikwereti. Kazhinji, chikwereti kondirakiti anovamba yakasimba chitsama chikuru uye zvimwe zvinodiwa mortgagee. chibvumirano Chero zvakadaro vanofanira kuva enderana zvinodiwa nomutemo "On mogeji".

Panyaya chikwereti

Chii pfuma kunogona kuita somunhu chepamutemo nyaya chikwereti? Maererano nomutemo mubvunzo pano kupa:

• runofarira, iyo runosvika mhiri shoma saizi kana anoenderana;
• Zvivako nemabhizimisi, kushandiswa entrepreneurial basa;
• dzimba nemafurati pamwe vakaparadzana dzimba;
• mumagaraji bindu dzimba uye mubindu;
• mhepo, gungwa kana muchadenga zvikepe;
• dzinopakwa motokari.

Mutemo "On Mortgage" anodaro kuti nyaya chikwereti zvakare nenhumbi, vaumbe pamwe chinhu chikuru. Muchikamu ichi zvinhu indivisible zvinhu hazvigoni kuita somunhu pasi chesungano.

kuguma kwemamiriro chibvumirano

Chinhu chinokosha munyika yose gadziriro chikwereti anomukweretesa chinhu nomazvo mhedziso chesungano. Izvi zvinofanira kuitika zvinoenderana zvokudya yeRussian Civil Code. The zviri chibvumirano kunofanira kuratidza zvinotevera:

• zvakananga nezvenyaya chikwereti, chisikwa chake, kukura uye zvechadenga wakatarwa;
• zita uye nzvimbo yacho chinhu nzvimbo (nokuti chaiyo kuzivikanwa mortgaged zvinhu);
• tsananguro yakarurama mitoro kuti akapa chikwereti chibvumirano, uyewo kuti zviite kuti chidzoke uye nguva kuita chesungano;
• muitiro uye mamiriro ezvinhu anodiwa kuti Pakusarudza mari, kana mari achazviisa mune ramangwana;
• nguva vachibhadhara vavo kukura, kana nyaya chikwereti anomukweretesa achapiwa kutengeswa chidimbu chimwe;
• rairatidza nokuzivikanwa kodzero mortgagee mogeji.

Uye chii chaizvo izvozvo anonzi mogeji? Chii Gwaro ichi, uye yakabatana papi kuti chikwereti kondirakiti? Mhinduro dzemibvunzo iyi huri Chapter III mutemo "On chikwereti" (Federal Mutemo №102).

About mogeji

Mortgage - iri kuchengeteka mhando zita. Kuburikidza gwaro iri pasi advertising yawo muridzi zvinotevera kodzero:

• kodzero pfuma rubatso, inova nyaya chikwereti chibvumirano;
• kodzero chokupika mari sungiro pasi chikwereti.

Kumwe kuzivikanwa nevamwe pane chikwereti, asi murayiro haripi. Muchiitiko chino, anosungirwa vanhu, maererano chikwereti, ndivo vose pledgor uye nechikwereti. Kubudisa imwe chikwereti anogara mubasa pledgor.

Mune zvimwe zviitiko, issuance kuti chikwereti haagoni chinozoiswa? The akakodzera mutemo yeUnited rinoreva zvinotevera ezvinhu:

• nyaya chikwereti chinhu pfuma kunzwisisa;
• chitsama chikwereti pamusoro chikwereti haana kunotsanangurwa, uye hapana mamiriro ezvinhu yaizobatsira kuziva mari iyi.

A kukosha ndezvokuti zviri chikwereti, izvo huchakurukurwa.

Zviri chikwereti

Mukutonga kuitika mashoko omurayiro "On chikwereti", nenguva issuance chepakutanga mortgagee chikwereti anofanira ine:

• mazita uye mashoko ndiani pledgor uye pledgee (zvinodiwa mashoko achizosiyana zvishoma zvichienderana nokuti dzinongoitika kana nomutemo vanhu vari mapato sungano);
• zita chibvumirano, akapa chikwereti;
• kutaridzwa inodiwa chikwereti mari uye chimbadzo;
• rairatidza riini kuripwa Verengai;
• mashoko zvakakodzera kuziva pfuma hwaakange chikwereti inosimbiswa;
• vakasaina vemapato ari chibvumirano, uyewo mashoko pamusoro mamiriro vanyorwa mogeji kondirakiti.

Rakanyorwa nomunyori chikwereti anonyatsokwanisa anokonzera chero Nokurasikirwa chakakonzerwa namaneja chokuita kubviswa chikwereti kana nemhaka mismatch kwaro ukoshi. Uyewo kucherechedza ndechokuti zvichibvira kudzika mutemo wacho zvinodiwa gwaro, kana asiri compliances vaizivikanwa anenge pakarepo mushure gadziriro.

State kunyoresa

Article 20 of Federal Mutemo pamusoro chikwereti somunhu chaiye chivako rubatso anoverenga murayiro wehurumende kunyoresa yose muitiro. Sezvaunoziva, chikwereti unogona kupinda simba chete pashure kuMudzidzisi mamiriro kutema. Notarized chibvumirano chasainwa mapato ari kutengeserana zvose, ndiye tsime iri tose mabasa.

Kana munhu chikwereti, izvo zvaizoita setifaya kodzero pledgee, vanyorwa simba kungada chikwereti pacharo, uyewo magwaro anotaurwa mariri. Zvichitevera migumisiro kunyoresa mashoko nokuda pledgee itsva vachamutswawo muna yakabatana State Register.

kunakidzwa pfuma

Pledger, vakagamuchira zvakanaka kushandisa rimwe kana rimwe pfuma anokwanisa kubviswa nyaya chibvumirano mari zvose uye makomborero, kana ichi asingadi kukuvadza pfuma uye havazokwanisi kuderedza mutengo wayo. Akakweretesa arege kuita kodzero kushandisa pfuma yacho mortgagor. Chiizve anokwanisa kuita chikwereti?

Maererano nomutemo pamusoro dzimwe mari chikwereti, asi mortgagor anofanira kuramba pfuma yakagamuchirwa mumamiriro ezvinhu akanaka uye nenguva netsika kutakura mari yayo tigutsikane - kusvikira pakuguma mogeji kondirakiti. Kutaura zvazviri, zvinhu zviviri izvi zviri chikuru mabasa nechikwereti. Uyezve, zvinokosha kuziva kuti Implementation pakati guru uye ano kugadziridza, urongwa inishuwarenzi, zviyero kuti kudzivirira kukuvadzwa mortgaged pfuma kana kurasikirwa, uye zvakawanda. Murayiro rinoti kuti pledgor vanosungirwa kudzivirira pfuma yavo kubva Zvinotaurwa kumapati rechitatu, uyewo zvose napo kuitira kuchengeteka kwayo.

kuchinjwa pfuma

The chitsauko rechitanhatu inokurukura bhiri rinoti nezvomukana kuchinjwa pfuma ambofanobata pasi chikwereti chibvumirano, kune vamwe vagari. Zviri nezvokupa pezvakaitwa, kutengeswa kana kuchinjanisa, ndakatengeswa pasi pledgor. Asi anogona kuronga akadaro sei? Pano hazvina kuoma zvakadaro.

Pfungwa huru iyo unofanira kuteerera - ichi kunoratidza mukana kuchinjwa pfuma kuna mogeji. Kana ezvinhu akadaro hakuna chinyatsotsanangurwa ari gwaro, ipapo pledger hadzisi kukwanisa kushandisa zvose pamusoro kodzero (kunze wenhaka pasi kuda).

Munhu ava panzvimbo pledgor anowana wandei mabasa. Saka, rubatso pfuma icharamba ichishanda kusvikira sokuvapo chikwereti asingadi kuita mabasa ayo ose.

Tinofanirawo vanotaurawo basa kwakaitwa depositors iri zvinoitirwawo kutyora mitemo. Iye akaisa Russian Civil Code.

The yasara zvokudya mutemo

Zvinoita kutevera chikwereti sezvo rubatso inonzi yapfuura, hunoshamisa mogeji? Mutemo, kunyanya wechinomwe musoro wake, anoita mukana pasi dzimwe nuances.

Chapter mipfumbamwe iroro rworudyi mortgagee kuti foreclose pamusoro pfuma kuti kugutsa zvinodiwa nomutemo havasi vaurayiwa ngava. Izvi zvinofanira kuitika mudare. Chapter X anoita Implementation chepfuma kuburikidza paruzhinji okisheni. Kusarudza Implementation uyewo ndohwavo kudare. Pakupedzisira, chitsauko nomumwe pakati gwaro mutemo "On chikwereti" anoongorora pfungwa wacho mapindu zvose, uye kuti pasi chikwereti.

Zvichida kupfuura verengeka pakati depositors Russian ndiye chitsauko 13, rinotaura pamusoro zvinoitwa chikwereti flats uye dzimba. Inoti pano pamusoro zvinodiwa hworudzi urwu pfuma. Izvi Somuenzaniso, kuvapo yoga dzimba, kudiwa nehurumende kunyoresa zvivako uye dzimwe pfungwa. Panyaya iyi, chemhosva pakati chikwereti mutemo anobata wenguva Implementation yavo sungiro pedyo pledgor.