Zeziphi iintlobo zeeleta zetyala?

1. Umfaki-sicelo
Umntu owenza isicelo ebhankini ukuba ikhuphe ileta yekhredithi, eyaziwa ngokuba ngumniki kwileta yekhredithi;
Izibophelelo:
① Ukukhutshwa kwesatifikethi ngokwekhontrakthi
②Hlawula idipozithi elinganayo ebhankini
③Hlawula intlawulelo ngexesha elifanelekileyo
Amalungelo:
①Ukuhlolwa, umyalelo wokukhululwa
②Ukuhlolwa, ukubuya (konke kusekwe kwileta yetyala)
Phawula:
①Isicelo sokukhutshwa sineenxalenye ezimbini, ezizezi, isicelo sokukhutshwa yibhanki ekhuphayo kunye nesiteyitimenti kunye nesiqinisekiso yibhanki ekhuphayo.
②Isibhengezo sokuba ubunini bempahla phambi kokuba kuhlawulwe inqaku lentlawulelo lizezebhanki.
③Ibhanki ekhuphayo kunye nebhanki yomenzeli inoxanduva kuphela kumphezulu woxwebhu. Uxanduva lokuthobela
④Ibhanki ekhuphayo ayinaxanduva lweempazamo kuhambiso lwamaxwebhu
⑤Awunaxanduva lwe "force majeure"
⑥Isiqinisekiso sentlawulo yeentlawulo ezahlukeneyo
⑦ Ibhanki ekhuphayo inokongeza idiphozithi nangaliphi na ixesha ukuba isatifikethi sikhona
⑧Ibhanki ekhuphayo inelungelo lokugqiba nge-inshurensi yomthwalo kunye nokunyusa izinga le-inshurensi Umrhumo uhlawulwa ngumfaki-sicelo;

2. Umxhamli
Kubhekiswa kumntu okhankanywe kwileta yekhredithi onelungelo lokusebenzisa ileta yekhredithi, oko kukuthi, umrhwebi okanye umboneleli wokwenene;
Izibophelelo:
①Emva kokufumana ileta yetyala, kufuneka uyijonge kunye nekhontrakthi ngexesha elifanelekileyo. Ukuba ayihambelani neemfuno, kufuneka ucele ibhanki ekhuphayo ukuba iyiguqule okanye yale ukuyamkela ngokukhawuleza okanye ucele umenzi-sicelo ukuba ayalele ibhanki ekhuphayo ukuba iguqule ileta yekhredithi.
②Ukuba yamkelwe, thumela iimpahla kwaye wazise umthumeli. , lungisa onke amaxwebhu kwaye uwanike kwibhanki yothetha-thethwano ngexesha elichaziweyo.
③ Yiba noxanduva lokuchaneka kwamaxwebhu. Ukuba azihambelani, kufuneka ulandele imiyalelo yokulungiswa komyalelo webhanki ekhuphayo kwaye ubonise amaxwebhu kwixesha elilinganiselweyo elichazwe kwileta yekhredithi;

3.Ibhanki ekhuphayo
Kubhekiswa kwibhanki eyamkela uxanduva lomenzi-sicelo ukuba ikhuphe ileta yetyala kwaye ithathe uxanduva lokuqinisekisa intlawulo;
Izibophelelo:
①Sikhuphe isatifikethi ngokuchanekileyo nangexesha
② Yiba noxanduva lwentlawulo yokuqala
Amalungelo:
① Qokelela umrhumo wokuphatha kunye needipozithi
②Ukwala amaxwebhu angahambelaniyo avela kumxhamli okanye ibhanki ethethathethana
③Emva kwentlawulo, ukuba umfaki-sicelo okhutshiweyo akakwazi ukuhlawula umyalelo wentlawulelo, amaxwebhu kunye neempahla zinokusetyenzwa;
④Ukunqongophala kwempahla kunokufakwa ibango kwibhalansi yokukhutshwa kwesatifikethi;

4. Ibhanki yokucebisa
Ibhekisa ekuphathisweni yibhanki ekhuphayo. Ibhanki edlulisela ileta yekhredithi kumthumeli ngaphandle iqinisekisa kuphela ukunyaniseka kweleta yekhredithi kwaye ayithathi ezinye izibophelelo. Yibhanki apho ukuthunyelwa kwamanye amazwe kukhoyo;
Isibophelelo: imfuneko yokungqina ubunyani beleta yetyala
Amalungelo: Ibhanki egqithiselayo inoxanduva kuphela lokudlulisela

5. Ibhanki yothethathethwano
Kubhekiswa kwibhanki ezimisele ukuthenga idrafti yamaxwebhu enikezelwe ngumxhamli, kwaye ngokusekwe kwisiqinisekiso sentlawulo yeleta yebhanki ekhupha ngetyala kunye nesicelo somxhamli, intlawulo yangaphambili okanye izaphulelo kwidrafti yamaxwebhu eziswe ngumxhamli ngokuhambelana nezibonelelo zeleta yetyala, kwaye ibonelela ngeleta yetyala kwibhanki apho isaphulelo esimiselweyo sokuhlawula, amabango ebhanki adla ngokubizwa ngokuba yibhanki ebhatalayo; ibhanki ecebisayo kukho uthethathethwano olunyiniweyo kunye nothethathethwano lwasimahla)
Izibophelelo:
①Jonga ngokungqongqo amaxwebhu
② Idrafti yamaxwebhu angaphambili okanye isaphulelo
③ qinisekisa ileta yetyala
Amalungelo:
①Kuxoxiswana okanye kungaxoxiswana
②(impahla) amaxwebhu anokuqwalaselwa emva kothethathethwano
③Emva kothethathethwano, ibhanki ekhuphayo iyatshona okanye yale ukuhlawula ngesizathu sokubuyisela intlawulo yangaphambili kumxhamli.

6. Ibhanki ehlawulayo
Kubhekiswa kwibhanki eyenzelwe intlawulo ngeleta yetyala. Kwiimeko ezininzi, ibhanki ehlawulayo yibhanki ekhuphayo;
Ibhanki ehlawula umxhamli ngamaxwebhu ahambelana neleta yetyala (ukunyamekela ibhanki ekhuphayo okanye enye ibhanki ephathiswe yiyo)
Amalungelo:
① Ilungelo lokuhlawula okanye ukungahlawuli
②Wakuba uhlawulwe, akukho lungelo lokubhenela kumxhamli okanye umnini webhili;

7. Ibhanki eqinisekisayo
Ibhanki ephathiswe yibhanki ekhuphayo ukuba iqinisekise ileta yetyala egameni layo;
Izibophelelo:
①Yongeza "intlawulo eqinisekisiweyo"
②Ukuzinikela okuqinileyo okungenakurhoxiswa
③ Ukuzimela ngokuzimeleyo kwileta yetyala kwaye uhlawule ngokuchasene nevawutsha
④Emva kwentlawulo, ungenza ibango kuphela kwibhanki ekhuphayo
⑤Ukuba ibhanki ekhuphayo iyala ukuhlawula okanye iyatshona, ayinalungelo lokufaka ibango kumxhamli.

8.Ukwamkeleka
Ibhekisa kwibhanki eyamkela uyilo olungeniswe ngumxhamli kwaye ikwayibhanki ehlawulayo

9. Ukubuyisela imali
Kubhekiswa kwibhanki (ekwabizwa ngokuba yibhanki yokucoca) ephathiswe yibhanki ekhuphayo kwileta yetyala ukubuyisela imali engaphambili kwibhanki ethethathethwano okanye ibhanki ehlawulayo egameni lebhanki ekhuphayo.
Amalungelo:
①Hlawula kuphela ngaphandle kokuphonononga amaxwebhu
②Bhatala nje ngaphandle kwembuyekezo
③Ibhanki ekhuphayo iyakubuyisela ukuba ayibuyiselwa