Ndeipi aizviti nhoroondo? Kugadzwa uye kuvhurika munhu aizviti akaundi

On 01.07.2014 ari yakabvumira kugadziriswa kwemutemo wekuita kuna Civil Code, iro vokuRussia vaibvumirwa kuvhura vagari zvemari hama. On chokwadi, tarisiro uye mamiriro ebasa, uchadzidza kubva ino.

prerequisites

Yokutanga kuedza kuti ataure aizviti nhoroondo zvakaitwa muna 2007. Zvadaro achishingaira dzakabudirira mogeji musika. Mune dzimwe nyika, 80% chaiyo wemunda kwema kutora nzvimbo nokushandiswa escrow nyaya. The chikuru Pfungwa Sumo ravo rakanga kuderedza ngozi kwema pamwe vanozoshanda, izvo kushumira Real Estate nevamiririri.

Kuchinja mutemo akaonekwa 2014. Zvino, vagari achakwanisa kushandisa mabasa matsva maviri. Open nominee nhoroondo uye yazvinoshandisa pakutenga pamwe mari kuti kuva munhu anoyamurika. Kana kushandisa kuminamato vanozoshanda (escrow) mu kwema.

mwoyo

Chezita Nhoroondo - kamuri mubhangi, iyo anozarura pati wechitatu kuita kwema pamwe munhu anoyamurika nehomwe. chibvumirano Service anogona kupera pasina kutora chikamu kwe munhu anoyamurika. Kana aizviti nhoroondo iri Sberbank chinotanga vakawanda vanobatsirwa, mbiri tsika vanofanira kufungawo zvinodiwa nomumwe wavo ari akapoteredza dzinokosha zvinhu kunze zvimwe yakanyorwa kondirakiti.

The chibvumirano chinofanira chinyatsotsanangurwa nzira chokuwana mashoko pamusoro anowanikwa zviwanikwa uye padanho kutora chikamu kwe munhu akavhura nhoroondo uye munhu anoyamurika. The chibvumirano vangaendeswa kune basa kubhengi kudzora Kurongeka uye kushandisa mari chikonzero. Suspension remapazi, kusungwa uye Kudzorerwa mari nokubatira nhoroondo anaro hazvibvumirwi. Kana ari munhu anoyamurika uyu zvaida mvumo dare.

Kana aizviti akaundi anozarura zvokutenga sangano, icho anoratidzwa mukati 40702. Zvadaro, maererano Regulation of Central Bank № 385-P, tsika vanosungirwa nekufambisa mashoko kuti mutero. Kana chikumbiro yakwidzwa nomumwe munhu, ipapo motokari zvose zvichabviswa uratidzwe pamusoro nyaya 40802, izvo kufukidzwa Federal Mutemo "On Deposit Insurance". Bank sesungano - kuongorora kugarwa kuti escrow - kwete nomutemo, kureva, achaitwa kudzorwa kondirakiti.

escrow

The Bank anozarura chaizvo nyaya yokuti chizvidavirire mari yakagamuchirwa kubva muridzi (depositor) kuti uchatamisa navo munhu anoyamurika pamusoro nhandare zvaitaurwa kondirakiti. escrow mubayiro hazvigoni mhosva kuti mari sero kana haisi inopiwa muna gwaro. Nhoroondo dzakadaro dzinotungamirirwa mukuru urongwa of Bank.

Kubvuma kuti dzimwe mari yacho escrow depositor wacho, kunze mari raanotaura chibvumirano, zviri inadmissible. Mapato anogona kushandisa mari chete yokuoneka wainyatsotaura ezvinhu. Asi vane kodzero zvinoda wakadhindwa inivhoyisi, uye mamwe mashoko anoumba kubhengi vanzurudzo. Account anofanira kuvharwa pakuguma kondirakiti nguva. chikumbiro zvakanyorwa mumwe mapato ari iyi havana maturo.

Chezita nhoroondo anogona kuzarura gweta, murayiro mumiriri, mumiririri, executor nechido kuita kwema pamwe munhu anoyamurika nehomwe. The chibvumirano prescribes nzira chokuwana mashoko pamusoro kushandiswa mari. The chikuru chepfungwa escrow ndechokuti haana kushamisa kuti kuunganidza mari, uye kusangana mitoro. Kazhinji, Real Estate kwema. The zano iri sezvinotevera: mutengi furati anovhura escrow uye anoisa imwe mari nayo. Pamusoro kuvakwa kutengeserana mutengesi anopiwa mari mushure ngaamuitire magwaro achisimbisa kuchinjwa muridzi.

dzokugara

MuEurope, nyika aizviti nhoroondo yaishandiswa kugarwa pakati mapato, vatori mumusika pakati mugungwa chokufambisa, uyewo rokuvaka. Kunoitawo kuti nokukurumidza kuwana bhanga vimbiso iri zvakanaka mashoko. basa iri uyewo vachishingaira kushandisa magweta uye notaries mubasa ravo. Online zvitoro kurishandisa nechokwadi kuripwa nhumbi pedyo mutengi. kutengeserana Chero kuti zvinoratidza kuvapo zvimwe zvinhu, zvinogona kuitwa chete nenhoroondo dzakadaro. Kunyanya kana pane kudiwa dzokuwedzera kuzvidzora.

imwe nzira nzira

New nhoroondo anogona kushandiswa pachedu zvinangwa. Somuenzaniso, kana nemhosva iri zviri hama anogara rimwe guta, unogona kuzarura kamuri kubhengi uye kudzora mari mari. Zvinyorwa inofanira nyaya muzita hama, asi munhu anoyamurika - munhu ari mari nayo. Access kubhengi gwaro iri chete munhu anoyamurika. Other kurambidzwa zvinogona nezvaro kondirakiti. Somuenzaniso, kuti zvakanyatsonanga kuti mari inofanira kushandiswa chete nokuda kwokuripirwa utilities, uye mari withdrawals - kurambidzwa.

nezvinetso Implementation

Munyika tsika zvikuru kushandiswa vadyi nyaya, asi vokuRussia vane mibvunzo yakawanda pamusoro chinangwa kutengeserana uku. Kusvika panguva dzomuzana chaivo vari escrow chikwereti uye dhipoziti bhokisi. Asi mabasa aya , chikwereti masangano ubayire haisi nguva dzose zvazviri.

Nyanzvi anomutsawo mibvunzo yakawanda. Somuenzaniso, imwe mumiririri anova mukweretesi, kana kubhengi achabva kuti rezinesi? Ungangove, zvichaita kuti kuona insurer kana kuti kuita kuburikidza kumatare. Asi ichi muripo nzira zvinofanira zvakajeka formalized panguva zvemitemo chechetere.

Banks Kazakhstan uye Kyrgyzstan vagara akapa Mediation mukushandira vatengi ayo. Kuvhura nominee nhoroondo yaro yokuzvigadzirisa inodhura. Zvichienderana kupfungwa uye zvinangwa, mari ingabva 1 kusvika 10 zviuru. Rubles. Nokuti kuwanikwa tsamba chikwereti muKazakhstan achava kubhadhara katatu sezvo zvikuru. mabhanga Russian hapana kukurumidza kupa refu escrow vatengi kubvira pakatanga murairo haritsigiri Central Bank nemirayiro.

inishuwarenzi muripo

All mubhengi deposits vokuRussia kudzivirirwa neHurumende. Kunyange insured muhoro, izvo kune nhoroondo. Kana kusauka yacho kubhangi varidzi mapurasitiki vanofanira kugamuchira muripo mu techenie14 mazuva mushure chikwereti sangano aizosiya kuti rezinesi.

The muripo kukarukureta rinosanganisira zvose mubereko zvakafanira pamusoro dhipoziti. Asi kunonyanyisa mari pamunhu ari chete mamiriyoni 1,4 rubles. (2015), kureva, kana mutengi akazarura deposits inoverengeka muna rimwe bhengi, somuenzaniso, mapazi akasiyana, apo insured chiitiko uchatorwa kufungwa yaipedzerwa mari nhoroondo dzose. Mari iri vatorwa mari deposits vanobhadharwa vari rubles panguva Gengi of Central Bank. It sokunge mureza muitiro.

Chero mibvunzo pamusoro vagari nyaya. Kana vanobatsirwa akawanda, mugove mumwe anofanira runotsanangurwa zvakajeka. Kubva ukoshi ichi kunobva chitsama muripo kuti investor achapiwa. The mitemo anopa varidzi kuti govera chete panguva vasungwe mari uye kugumisa kondirakiti. Mirayiridzo chiito ari liquidation iri sangano akazviratidza ichangopfuura.

Kana, somuenzaniso, imwe aizviti kubhengi akazarura vanobatsirwa dzinoverengeka uwandu vanopfuura 14 mln., Huwandu inishuwarenzi muripo achapiwa dzaona maererano zvinonyatsorehwa nepakati, uye kwete vachiravana mumwe munhu anoyamurika. Iyi ndiyo pfungwa. Kana muchitokisi pamwe chete, uye uwandu muripo anofanira kuparadzirwa vechikamu vese.

Kubva 2015 kusvika kusaina chibvumirano vezita nhoroondo runobvira chete pamwe masangano iyo 50% ndohwaJehovha renyika. Pakatanga mabasa kumabhengi zvakati matambudziko: kushaya anodiwa Software uye nemirau zvemukati Dare kwerunyararo nzira. Saka, kusarudza masangano ipfupi.

Rated ne muchengeti

Kare, zvose kuvimba wadhi mari dzinonzi nechitokisi ake mubhangi. The Guardian aigona kupfura pasina mvumo nehurumende muviri mari isingadariki ari subsistence zvishoma pamwedzi. Under mirau itsva, kubhadhara zvose nokuda zvishoma munhu kusvika panguva aizviti nhoroondo chavhurwa wechitatu munhu. Guardian anogona kushandisa mari zvizere pasina mvumo.

Chezita Nhoroondo - rubatso bhokisi iyo inofanira kunzi mudyandigere, gupuro, uye dzimwe mari inobhadharwa kwerunyararo muwadhi. The anosiyiwa ndivo mari uye mudzidzi dzidzo. Rated ne muchengeti chinotanga mharidzo gwaro kubva pamuviri kuitarisira. Nokuti kuguma chibvumirano vanofanira anonyatsotsanangura ari munhu anoyamurika: zita, zuva nenzvimbo yekuzvarwa; vaipupurirwa makopi magwaro kuratidza nezvezvisikwa wadhi, chokugara kero. Chibvumirano nominee Nhoroondo anogona kupa mukana uchatamisa nengaidzo pamusoro dhipoziti bhokisi, wakashama nemamwe masangano kana issuance Mari, akapa pakazovharwa ano muchengeti. Mari inogona ndaitora kubhadhara nokubatira muwadhi chete kuti dare.

escrow nhoroondo

Yakabvumira kugadziriswa kwemutemo wekuita kuna Civil Code akasikwa rumwe rudzi mabhokisi dhipoziti. Mari yakagamuchirwa mukweretesi ari chikwereti, anogona kunzi kune escrow nhoroondo inokosha. Ipfungwa Izvi achazviratidza pashure kutumira kopi kondirakiti. Panguva chikumbiro yacho mortgagee Bank inofanira kupa ruzivo pakuenzanisa vakaita kwema, inorambidza uye kurambidzwa. Zvirango All inofanira kunyorwa kure, maererano Art. 349 of Civil Code, mumwe chikwereti rubatso nhoroondo. On bhokisi dhipoziti kwakadaro asina kufukidzwa nemitemo iri kutengeswa pfuma (Art. 350-350.2 of Civil Code), uyewo nemitemo kuunganidzwa mari (Sec. 45 Civil Code).

mhedziso

Zvichitevera rinosandurwa ari Civil Code pamusoro ronda rwezvemabhengi mabasa, mhando itsva nhoroondo: yacho aizviti uye escrow. masero kwakadaro kunogona kuzarura bato wechitatu, asi kodzero mari ndiko kuti munhu anoyamurika. Chii yavose sezvavakatarirwa ne muchengeti? Izvi dhipoziti bhokisi, iro rwunoverengerwa mari kwerunyararo mhosva. Munyika tsika, kuti escrow kuvhura kana kutenga nzvimbo, kuti pave kuripwa kutengeserana. VokuRussia vari vasingafariri basa idzva. Uye uwandu nemasangano apo unogona kuzarura sero pamwe ipfupi.