Isicelo sokungabinamali

Isicelo sokungabinamali sisixhobo esinamandla sokuqokelelwa kwetyala. Ukuba umntu onamatyala akahlawuli kwaye ibango aliphikiswanga, uxwebhu lwezikhalazo njengongenakusetyenziswa kaninzi lunokusetyenziselwa ukuqokelela ibango ngokukhawuleza nangokungabizi mali ininzi. Isikhalazo sokungabinamali sinokufayilwa nokuba sisicelo somfaki-sicelo okanye kwisicelo somntu omnye okanye nangaphezulu. Ukuba kukho izizathu zomdla woluntu, iOfisi yoMtshutshisi woLuntu nayo inokufayilisha njengongenamali.

Kutheni le nto umntu obolekayo efayilisha engabinamali?

Ukuba umntu onetyala uyasilela ukuhlawula kwaye akubonakali ngathi i-invoyisi engekahlawulwa iya kuhlawulwa, ungafaka ifayile yakho njengonetyala. Oku kwandisa amathuba okuba ityala (elithile) lihlawulwe. Emva kwayo yonke loo nto, inkampani ebunzimeni bamaxesha amaninzi isenemali, umzekelo, imali kunye nokuthengiswa kwezindlu. Kwimeko apho kuthe kwakho njengongenamali, konke oku kuya kuthengiswa ukuze kufunyanwe imali yokuhlawula ii-invoyisi ezingekahlawulwa. Isibongozo sokubhengezwa njengonetyala siphathwa ligqwetha. Igqwetha kufuneka licele inkundla ukuba ibhengeze ukuba umntu onetyala unetyala. Igqwetha lakho lingenise oku ngesikhalazo sokungabinamali. Kwiimeko ezininzi, ijaji iya kuthatha isigqibo ngqo enkundleni ukuba umntu onamatyala uvakaliswe njengongenamali.

Isicelo sokungabinamali

Ufaka nini isicelo?

Ungasifaka kwifayile yokubhangiswa ukuba umntu onamatyala:

  • Unamatyala ama-2 okanye ngaphezulu, eli-1 ekufuneka ibango (ixesha lokuhlawula liphelelwe);
  • Unamatyala amabini okanye amabini; kwaye
  • Kwimeko athi ayeke ukuhlawula kuyo.

Umbuzo odla ngokuwuva kukuba isicelo sokungabinamali sifuna ngaphezulu komntu omnye obolekayo. Impendulo nguhayi. Umntu obolekayo omnye unoku sebenzisa fokanye ukubhengezwa njengonetyala. Nangona kunjalo, ukubhenka kungabakho wathi yinkundla ukuba baninzi ababolekisi. Aba babolekisi akanyanzelekanga ukuba babe ngabafaki-zicelo. Ukuba usomashishini wenza isicelo sokungabinamali kulowo unetyala kuye, kwanele ukubonakalisa ngexesha lokuqhubekeka ukuba kukho abantu abatyalwayo abaliqela. Oku sikubiza ngokuba 'yimfuneko yobuninzi'. Oku kunokwenziwa ngeengxelo zenkxaso evela kwabanye ababolekisi, okanye kwanesibhengezo somntu onetyala ukuba akasakwazi ukuhlawula abo abatyalayo. Umfaki-sicelo kufuneka ke ngoko abe 'neenkxaso zamabango' ukongeza kwibango lakhe. Inkundla iyakukuqinisekisa oku ngokufutshane nangokufutshane.

Ixesha lokuqhubeka kwetyala lokungabinamali

Ngokubanzi, ukuxoxwa kwetyala kwinkundla yokubanjwa kwamatyala kwenzeka kwisithuba seeveki ezi-6 ukufakwa kwesikhalazo. Isigqibo silandela ngexesha lokuxoxwa kwetyala okanye ngokukhawuleza emva koko. Ngexesha lokuxoxwa kwetyala, amaqela anokunikwa ukulibaziseka ukuya kwiiveki ezi-8.

Iindleko zenkqubo yokuqhekezwa ngokungabinamali

Ngezi zinto ziqhubeka uhlawula iifizi zenkundla ukongeza kwiindleko zegqwetha.

Yenzeka njani inkqubo yokubhanga?

Iinkqubo zokuchithwa kwemali ziqala ngokugcwalisa uxwebhu lwezikhalazo. Igqwetha lakho liqala inkqubo ngokungenisa uxwebhu lwezikhalazo enkundleni lucela isibhengezo somntu onetyala lakho njengonetyala egameni lakho. Nguwe umfaki-sicelo.

Uxwebhu lwezikhalazo malungeniswe kwinkundla ekwingingqi apho umntu onetyala elawulwa khona. Ukuze ube nokufaka isicelo sokungahlawulwanga njengetyala, olityala kufuneka abizwe izihlandlo ezininzi aze ekugqibeleni abhengezwe njengosileleyo.

Isimemo sokuya kwindibano

Kwiiveki nje ezimbalwa, igqwetha lakho liya kumenywa yinkundla ukuba liye kwindibano yoluleko. Esi saziso siya kuthi sichaze ukuba Umntu olityala naye uya kwaziswa.

Ngaba lowo unamatyala akavumelani nesibhengezo esibhankini? Unokuphendula ngokungenisa ukhuselo olubhaliweyo okanye ukhuselo ngomlomo ngexesha lokuxoxwa kwetyala.

Ukuxoxwa kwetyala

Akunyanzelekanga ukuba umntu onetyala abekho kwindibano yokumamela, kodwa kuyacetyiswa. Ukuba umntu onetyala akabonakali, unokubhengezwa njengongenamali

Wena kunye / okanye igqwetha lakho kufuneka nime enkundleni. Ukuba akukho mntu uvele kwindibano yesicelo eso unokukhatywa yijaji. Ukuxoxwa kwetyala akukho esidlangalaleni kwaye ijaji ihlala yenza isigqibo sayo ngexesha lokuxoxwa kwetyala. Ukuba oku akunakwenzeka, isigqibo siya kulandela ngokukhawuleza, ngesiqhelo kwiveki enye okanye ezimbini. Umyalelo uza kuthunyelwa kuwe kunye nomtyali, nakubammeli ababandakanyekayo.

Ukulahlwa

Ukuba wena uyakweleta, ungavumelani neenkundla ezaliwe isigqibo, ungasifaka isibheno.

Ulwabiwo

Ukuba inkundla ivuma isicelo kwaye ibhengeze ukuba umntu unetyala angabinamali, umtyali unokufaka kwifayile isibheno Ukuba umntu onetyala ubhengeza, ukubhengezwa kuya kwenzeka nokuba kunjalo. Ngesigqibo senkundla:

  • Umtyali unetyala ngokukhawuleza;
  • Ijaji yonyula i-liquidator; kwaye
  • Ijaji yonyula ijaji esongamelayo.

Emva kokuba ibhengeziwe ibhengezwe yinkundla, umntu (osemthethweni) othe wabhengezwa njengongenamali uya kuphulukana nokulahlwa nokuphathwa kweeasethi kwaye uya kubhengezwa njengongagunyaziswanga. I-liquidator kuphela komntu osavunyelweyo ukwenza isenzo ukusuka kulo mzuzu. Umgcini-mali uza kusebenza endaweni yokubhanga (umntu obhengeze njengongenamali), alawule ukuncitshiswa kwepropathi engabinamali kwaye anakekele abanikwayo. Kwimeko apho kubhengezwe iimali ezinkulu, kunokubekwa oomatshini abaziinkohliso. Kwizenzo ezithile, i-liquidator kufuneka icele imvume kumgwebi ogadiweyo, umzekelo kwimeko yokugxothwa kwabasebenzi kunye nokuthengiswa kweziphumo zasekhaya okanye impahla.

Ngokomgaqo, nayiphi na ingeniso umntu ayityalayo ayifumanayo ngexesha lokungabinamali, ziya kongezwa kwiiasethi. Ukuziqhelanisa, nangona kunjalo, umthengisi wenza oku ngokuvumelana nomtyali. Ukuba umntu wabucala ubhengezwe njengongenamali, kubalulekile ukuba wazi ukuba yintoni egqunywe kukungabinamali kwaye yintoni engekhoyo. Izinto zokuqala eziyimfuneko kunye nenxalenye yengeniso, umzekelo, azifakwanga kubhengezo. Umntu onamatyala unokwenza imisebenzi yomthetho eqhelekileyo; kodwa iiasethi zebhanki azibophelelwanga koku. Ngapha koko, umntu othengisayo wenza isigqibo senkundla esidlangalaleni ngokusibhalisa kwirejista yokubhengezwa njengongenamali kwaye kwiChamber of Commerce, nangokubeka isibhengezo kwiphephandaba lesizwe. Irejista yokubhengezwa njengongenamali yokuhlawula amatyala iya kubhalisa isigwebo kwiRejista yeCentral Insolvency (CIR) kwaye siyipapashe kwiGazethi kaRhulumente. Oku kuphuhliswa ngenjongo yokunika abanye abantu abanokuba ngabatyalwayo ithuba lokuxela umthengisi kwaye angenise amabango abo.

Umsebenzi wejaji esongameleyo kwezi zinto kukujonga inkqubo yokulawula kunye nokupheliswa kwee-insolvent asethi kunye nezenzo zenkcaso. Kwisindululo sejaji esongameleyo, inkundla inokuyalela ukuba ibambe imali ibambekile. Ijaji esongameleyo inokubiza kwaye imamele amangqina. Ngokudibene ne-liquidator, ijaji ejongayo ilungiselela iintlanganiso ekuthiwa zingqinwa, apho aya kusebenza njengosihlalo. Intlanganiso yokuqinisekisa yenzeka enkundleni kwaye kungumcimbi apho uluhlu lwamatyala luqokelelwe ngumphathi wokuphulukana nobutyala, luya kumiselwa.

Ziya kuhanjiswa njani izinto zexabiso?

Umgcini wotywala uchaza indlela abaza kuhlawula ngayo abo babambeleyo: iodolo yodidi lwababambisi. Ubekwe kweliphi inqanaba, lelona lithuba likhulu lokuhlawulwa njengekhredithi. Ukulandelelana kwezikhundla kuxhomekeke kuhlobo lwababolekwa ityala.

Okokuqala, kangangoko kunokwenzeka, amatyala eeasethi aya kuhlawulwa. Oku kubandakanya umvuzo womthengisi, irente kunye nomvuzo emva komhla wokungabinamali. Ibhalansi eseleyo, iya kumabango anelungelo, kubandakanya iirhafu zikarhulumente kunye nezibonelelo. Nayiphi na intsalela iya kwabangenatyala ("abaqhelekileyo") abanamatyala. Nje ukuba ababolekisi abakhankanywe ngentla bahlawulwe, nakuphi na ukuphumla kuya kubabolekisi abaphantsi. Ukuba kusekho imali eseleyo, iya kuhlawulwa kubanini zabelo ukuba ichaphazela i-NV okanye i-BV. Ekutshatweni komntu wendalo, intsalela iya kubhengezwa. Nangona kunjalo, le yimeko ekhethekileyo. Kwiimeko ezininzi, akukho nto ishiyekileyo kubabolekisi abangakhuselekanga kungasathethwa ke ngababhanga.

Isimangalo: ookwahlulahlula

AbakwaSecaratists banamatyala:

  • Umthetho wobambiso:

Ishishini okanye ipropathi yendawo yokuhlala ibambisene kwimali mboleko kwaye umnikezeli wempahla mboleko angabanga imali ethe kratya kwimeko yokungabhatalwa.

  • Ilungelo lesibambiso:

Ibhanki inike ikhredithi ngemeko yokuba ukuba akukho ntlawulo yenziweyo, inelungelo lesibambiso, umzekelo, kwi-inventri yeshishini okanye kwisitokhwe.

Ibango lokwahlulahlula (igama elithetha ukuthini kakade) lahlukile kubhengezo kwaye lingabangwa kwangoko, ngaphandle kokufuna ibango lommisi. Nangona kunjalo, i-liquidator inokuthi icele ukwahlulahlula ukuba ilinde ixesha elifanelekileyo.

Iziphumo

Njengawe obolekayo, isigqibo senkundla sinezi ziphumo zilandelayo:

  • Awusenako ukumbamba ngokwakho
  • Wena okanye igqwetha lakho uza kungenisa ibango lakho ngobungqina obubhaliweyo kwi-liquidator
  • Kwintlanganiso yokuqinisekisa, uluhlu lokugqibela lwamabango luya kwenziwa
  • Uhlawulwa ngokoluhlu lwamatyala olwelo
  • Ityala elisele linokuqokelelwa emva kokubhengezwa

Ukuba umntu onetyala ungumntu ngokwendalo, kwezinye iimeko kunokwenzeka ukuba emva kokuba ebhengeziwe, umniki-tyala angenise isicelo enkundleni ukuze aguqukele ekubhengezeni amatyala akhe abe lilungisa kwakhona.

Kwityala, isigqibo senkundla sinezi ziphumo zilandelayo:

  • Ukuthathwa kwazo zonke iiasethi (ngaphandle kweemfuno)
  • Lowo unamatyala ulahlekelwa lulawulo kunye nokuchithwa kwezinto zakhe
  • Imbalelwano iya ngqo kwi-liquidator

Iphelisa njani inkqubo yokubhanga?

Ukupheliswa kwemali kungaphela kwezi ndlela zilandelayo:

  • Utyalomali ngenxa yokunqongophala kwee-asethi: Ukuba akukho mali yaneleyo yakwazi ukuhlawula izaziso ngaphandle kwetyala lempahla, ukubhengezwa kuya kupheliswa ngenxa yokunqongophala kweeasethi.
  • Ukupheliswa ngenxa yokuhlengahlengiswa nababolekisi: Unokungabinamali into yokuba umntu angabhatala imali. Eso siphakamiso sithetha ukuba umntu ongahlawulwanga uhlawula ipesenti yebango elifanelekileyo, athi akhuphe kulo ityala lakhe lonke ibango.
  • Ukurhoxiswa ngenxa yesiphumo esibophelelayo soluhlu lokugqibela lokuhambisa: kulapha xa iimpahla zingenayo ivolumu eyaneleyo yokusasaza ababambisi abangakhuselekanga, kodwa abo baphambili babucala banokuhlawulwa (ngokwenxalenye).
  • Ukugqitywa kwesigqibo senkundla esigwetywe sisigqibo seNkundla yeZibheno
  • Ukurhoxiswa kwesicelo sokungabinamali kwaye kwangaxeshanye kubhengezwe ukusetyenziswa kwenkqubo yokuhlengahlengiswa kwamatyala.

Nceda uqaphele: Umntu wendalo unokuphinda avalelwe ematyaleni, nasemva kokuba ichithwe ubhengezo. Ukuba intlanganiso yokuqinisekisa yenzekile, umthetho ubonelela ngamathuba okuphunyezwa, kuba ingxelo yentlanganiso yokuqinisekisa ikunika ilungelo lokufumana isihloko esinokunyanzeliswa. Kwimeko enjalo, awusadingi isigwebo sokuphumeza. Ewe, umbuzo uhlala; Yintoni enye enokufunyanwa emva kokuba umntu ebhengeziwe?

Kwenzeka ntoni ukuba umtyali angabambisani ngexesha lokuqhubeka kwamatyala?

Otyalayo unyanzelekile ukuba asebenzisane kwaye anike umthengisi zonke iinkcukacha eziyimfuneko. Oku kubizwa ngokuba 'luxanduva lokwazisa'. Ukuba umthengisi-mali uyathintelwa, angathatha amanyathelo okunyanzelisa afana nokubuza ngokungabinamali okanye ukubanjwa komntu kwindawo yoBanjwa. Ukuba umntu otyalayo wenze isenzo esithile ngaphambi kokubhengezwa njengongenamali, ngenxa yoko abanamatyala banethuba elincinci lokuphinda bafumane amatyala, umntu othengisayo angazirhoxisa ezi zenzo ('bankruptcypauliana'). Oku kufuneka kube sisenzo somthetho esenziwe ngumntu onetyala (kamva owonileyo) ngaphandle kwesibophelelo, phambi kokubhengezwa njengongenamali, kwaye ngokwenza lo mthetho umntu onetyala ebesazi okanye ebefanele ukuba uyazi ukuba oku kungakhokelela kukungalungi kwabatyalayo.

Kwimeko yeziko lezomthetho, ukuba umntu othobela umthetho ufumanisa ubungqina bokuba abalawuli basebenzise kakubi iziko elisemthethweni lokuhlawula amatyala, banokugwetywa ngasese. Ngapha koko, malunga noku unokufunda kwibhlog yethu ebhaliweyo: Uxanduva lwabalawuli kwi-Netherlands.

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