Zithini iindidi zoonobumba betyala?

1. Umfaki-sicelo
Umntu ofaka isicelo kwiBhanki yokukhutshwa kweleta yetyala, ekwabizwa ngokuba ngumnikazi kwileta yetyala;
Izibophelelo:
① Ukukhutshwa kwesatifikethi ngokwekhontrakthi
②Hlawula idipozithi elinganayo ebhankini
③Hlawula intlawulelo ngexesha elifanelekileyo
Amalungelo:
①insiction, iodolo yentlawulelo
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.
I-In Bank kunye ne-Arhente ye-Arhente yayo inoxanduva kuphela kumphezulu woxwebhu.Uxanduva lokuthobela
④Ibhanki ekhuphayo ayinaxanduva lweempazamo kuhambiso lwamaxwebhu
⑤Awunaxanduva lwe "force majeure"
⑥Isiqinisekiso sentlawulo yeentlawulo ezahlukeneyo
I-In Oction Bank inokongeza iidipozithi ngalo naliphi na ixesha ukuba isatifikethi siyafumaneka
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.
I-žIf yamkelwe, ihambisa iimpahla kwaye yazise umququzeleli., lungisa onke amaxwebhu kwaye ubanike ibhanki yokuxoxa malunga nothethathethwano ngexesha elimiselweyo.
③ Yiba noxanduva lokuchaneka kwamaxwebhu.Ukuba azihambelani, kufuneka ulandele imiyalelo yokulungiswa komyalelo webhanki ekhuphayo kwaye ubonise amaxwebhu kwixesha elilinganiselweyo elichazwe kwileta yekhredithi;

I-3.issulting Bank
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
Amaxwebhu angangqinelaniyo avela kwi-ofisi okanye kwiBhanki yokuxoxisana
③Emva kwentlawulo, ukuba umfaki-sicelo okhutshiweyo akakwazi ukuhlawula umyalelo wentlawulelo, amaxwebhu kunye neempahla zinokusetyenzwa;
Ukunqongophala kweempahla kunokubangwa kwimali eseleyo yokukhutshwa kwesatifikethi;

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

5. Ukuxoxisana neBhanki
Kubhekiswa kwibhanki ezimisele ukuthenga idrafti yamaxwebhu enikezelwe ngumxhamli, kwaye isekelwe kwisiqinisekiso sentlawulo yeleta yebhanki ekhupha ngetyala kunye nesicelo somxhamli, iadrafti okanye izaphulelo kwidrafti yamaxwebhu enikezelwe ngumxhamli ngokungqinelana ne Izibonelelo zeleta yetyala, kwaye ibonelela ngeleta yetyala kwibhanki ephuma kuyo amabango ebhanki ahlawulwayo amiselweyo (ekwabizwa ngokuba yibhanki yokuthenga, ibhanki ehlawulayo kunye nebhanki yesaphulelo; ngokuqhelekileyo ibhanki ecebisayo; kukho uthethathethwano olulinganiselweyo kunye nothethwano lwasimahla)
Izibophelelo:
Nkqo uphonononge 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"
Ukuzibophelela okuthe tye ngokuqinileyo
③ Ukuzimela ngokuzimeleyo kwileta yetyala kwaye uhlawule ngokuchasene nevawutsha
Intlawulo, unokufaka ibango kuphela kwiBhanki ekhuphayo
⑤ Ukuba 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
I-uphor ihlawula ngaphandle kwemali
③Ibhanki ekhuphayo iyakubuyisela ukuba ayibuyiselwa