chikole

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Kodi chitsimikizo ndi chiyani?

Amene akusowa ngongole lero, mwachitsanzo, pomanga nyumba kapena galimoto yatsopano, ayenera kupereka ndalama ku banki. Chigamu chikufunidwa ndi banki pomwe kuchuluka ngongole ndipamwamba kwambiri ndipo pali kukayikira zakwanira kokwanira. Chimodzi mwa zothandizira izi ndi chikole.

Umu ndi momwe chitsimikizo chimagwirira ntchito

Ngati pali chitsimikizo, gulu lachitatu likuphatikizidwa pakati pa banki ndi wobwereka, chomwe ndi guarantor. Guarantor apa akulemba polemba motsutsana ndi banki mu mgwirizano wa chitsimikizo cha ngongole. Ngati wobwereka tsopano akusowa malipiro, ndiye kuti guarantor ali ndi mangawa. Komabe, izi sizikutanthawuza kuti banki ngati ngongole ikhoza kubwezera ngongole kuti pangakhale malipiro osasintha. M'malo mwake, ngongole ya ngongole komanso motero kufunika kwake kwa wobwereka kumakhala ngongole yaikulu. Izi zikutanthauza kuti mchitidwe wokongoza ngongoleyo nthawi zonse ayenera kuchita zochitika, kuphatikizapo kukakamiza, wobwereka. Only pamene aphedwe limasonyeza kwako ndi luso kulipira ndi wobwereka, ndi guarantor amabwera mu sewerolo. Kuchokera tsopano ku guarantor ndiyenso chifukwa cha ngongole. Kuchuluka kwa mangawa kumatsimikiziridwa ndi mgwirizano wothandizira. Chowonadi, chitsimikizo chiyenera kulembedwa molemba malinga ndi Civil Code. Chofunika ichi chimachokera ku §766 BGB. Chofunikira ichi chimafunanso kulongosola kolondola kwa wobwereketsa, dzina la ngongole ndi kuchuluka kwa ngongole ya guarantor. Kupatulapo kufunika kwa mawonekedwe olembedwa kulipo ngati guarantor ali wotchedwa munthu wogulitsa. Kwenikweni muyenera kumvetsera guaranty, pali mitundu yosiyanasiyana yotsimikiziridwa. Kuphatikiza pa chitsimikiziro chodzipangira okha, pali BGB pledge, chidziwitso chosasinthika, chikole kapena, mwachitsanzo, chitsimikizo yobwereka, Chifukwa cha mitundu yosiyanasiyana ya chitsimikizo, zikuwonekeratu kuti zogwiritsira ntchito sizinagwiritsidwe ntchito pokhapokha pa ngongole.

Izi zimachitika pamene guarantor imakana

Ngati guarantor ikukana kugwiritsira ntchito malipiro, wobwereketsayo angapangitsenso kuti agwiritsidwe ntchito motsutsana ndi guarantor. Monga lamulo, kukana sikungapindule, chifukwa zovuta zalamulo, monga kukana kusonkhanitsa, sizigwira ntchito. Uwu ndi udindo wa chitsimikizo, chomwe ndi udindo wa kudziimira. Pachifukwa ichi, nthawi zonse muyenera kuganizira ngati tifuna kulowa chitsimikizo kapena ayi. Ngati mlandu ulipiridwa ndi guarantor, guaranty imathetsedwa, koma chidziwitso sichiri padziko lapansi. M'malo mwake, malipiro a ngongole amachititsa kusintha kwa zomwe akunenazo. Banki ngati ngongole yaperekedwa, choncho, kulibenso gawo yaitali ubwenzi triangular. Izi zili ndi guarantor ndi wobwereka. ndi guarantor tsopano siziri guarantor, koma ngongole. Iye tsopano ali ngati ngongole yakuti kudzatenga alipire kuti wobwereka lapansi.

Chofunika kwambiri

Pomaliza, ziyenera kuwonetseratu kuti chitsimikizo chingakhale choletsedwa komanso chosayenerera. Mlandu wotero udzakhala, mwachitsanzo, ngati guarantor akulipira misonkho mokwanira ndi kuganiza kuti ali ndi mangawa. The takeover mwina chiwerewere ngati pafupi kugwirizana maganizo pakati pa guarantor ndi ngongole kapena ngongole amapezerapo mwayi pa kugwirizana amenewa. Izi zikhoza kukhala choncho, mwachitsanzo, ngati wogulitsa ngongole angafunse kubweza ngongole kwa mnzanuyo.

Zotsatira Zofanana:

mlingo: 4.5/ 5. Kuchokera pazithunzi za 2.
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