Imali-Mboleko kwesi Sivumelwano yi isithembiso esibhaliweyo esivela lender ukuba imali-mboleko imali umntu kwi-exchange kuba borrower ke, isithembiso lihlawule imali lent njengoko kuchaziwe ngabo kwesi SivumelwanoYayo ephambili umsebenzi ukukhonza njengoko kubhaliwe ubungqina isixa-mali a ityala kwaye imimiselo phantsi oko kuya kuba repaid, kuquka bezinga inzala (ukuba kukho nayiphi na).
Isivumelwano usebenza njengokuba isemthethweni uxwebhu oko kukuthi enforceable kwi inkundla yenza izibophelelo kwi-inxalenye kunye borrower kwaye lender.
Olu xwebhu inokusetyenziselwa imbali imimiselo nemiqathango-mboleko made phakathi abantu' abantu okanye iinkampani abakhoyo Indian abahlali. Iimali-mboleko yi-langaphandle lender ukuba i-Indian borrower ziyabandakanywa i-Iinqwelo-Exchange Management Act, kwaye imigaqo kwaye imigaqo eyenziwe thereunder, kwaye olu xwebhu alifumanisanga sele adapted ukuba kusetyenziswa kuba imali-mboleko yi-langaphandle lender ukuba i-Indian inkampani. Ukuba ngaba imali-mboleko ngu phakathi abahlobo nosapho okanye yokusasaza ngeenjongo zokurhweba imali phakathi ezimbini amashishini kuba injongo ethile, iinketho kule Isivumelwano semali-Mboleko luza kuvumela ukwenza elula inzala-free imali-mboleko okanye ukongeza kwaye ngokuzenzekelayo ukubala inzala, umisela repayment ishedyuli, ukongeza guarantors kwaye efuna i-borrower ukubonelela ngokhuseleko kuba imali-mboleko. Olu xwebhu, kufuneka ufunde yi-amaqela kwaye guarantor (apho kufanelekileyo).
Imali-Mboleko kwesi Sivumelwano iya kuba ngokusemthethweni bophelela xa kokuba wenziwe ishicilelwe kwi-matyala stamp iphepha okanye e-stamp iphepha waza watyikitywa ngamnye umntu kwaye wenziwe ebhalwe.
Ixabiso stamp iphepha ingaba ixhomekeke imeko apho kubalulekile usetyenzisiwe. Ngamnye urhulumente kwi-India iye izibonelelo ngokubhekiselele isixa-mali stamp umsebenzi ziyabhatalwa kwabanjalo izivumelwano. Ulwazi malunga stamp umsebenzi ziyabhatalwa ingafunyanwa kwi Urhulumente urhulumente websites. Umzekelo, kwiwebhusayithi ye-imo Karnataka inika iinkcukacha stamp umsebenzi ziyabhatalwa kwi izivumelwano njengoko ingaba kwiwebhusayithi ye-Delhi.
Iqela ngalinye kufuneka atyikitye kwaye kubuyela ikopi Imali kwesi Sivumelwano.
Abantu kufuneka iqinisekise ukuba zabo utyikityo uxwebhu ngu witnessed ngomnye umntu omdala (kwiminyaka eli-). Apho inkampani ingaba iqela esi sivumelwano, kumele aqinisekise ukuba Isivumelwano semali-Mboleko ngu watyikitywa i-wagunyazisa signatory, nto idla a umlawuli njengoko wagunyazisa yibhodi isisombululo le inkampani. Apho Lender ucele ukuba borrower anike guarantor, ezifana guarantor kufuneka kanjalo ngenyameko funda yonke imali-Mboleko Isivumelwano yayo, isiqinisekiso, izibophelelo, umqondiso apho khona. Ukuze wenze oku, ezimbini ezahlukeneyo iikopi kusenokuba esayiniweyo (okanye ezintathu ukuba kukho guarantor ngokunjalo), okanye ukuba mnye kuphela khuphela ngu esayiniweyo, kunokwenzeka photocopied kwaye ke zihanjiswe phakathi kwamaqela.
Iinkampani Act, regulates i-zinika-mboleko, iziqinisekiso okanye ukhuseleko yi-iinkampani yabo abalawuli (nokuba ngokuthe ngqo okanye ngokungathanga ngqo).
Iibhanki ezifunekayo ukuthobela nemiyalelo ekhutshwe ngumkhuseli Uvimba Bank ka-India malunga inzala amazinga enako ibe igcwalisiwe ngabo.
Imali-mboleko kusenokuba secured okanye unsecured oko kukuthi, borrower unako anike lender kunye nokhuseleko ngakulo repayment ye-mboleko. Kwimeko apho ukungaphumeleli yi-borrower ukuba lihlawule imali-mboleko, lender unako invoke zokhuseleko, kwaye usebenzise yona ukubuyiselwa imali yayo. Kukho ezinye ezongezelelweyo amaxwebhu ekufuneka usetyenzisiwe kwaye ezongezelelweyo imithetho eziya osebenzayo kule meko-mboleko yi secured-mboleko eziya briefly kuchaziwe hereunder. Ilizwe nezinye bengagungqi ipropati - Kukho ezinye ezongezelelweyo formalities ukuba abe bathobela ukuba imali-mboleko ngu secured nge tyala phezu ipropati oko kukuthi kwimeko a default kwi-repayment ka-mboleko i-lender izakuba banelungelo lokufumana ngalo lendlu kwaye ukubuyiselwa i imali-mboleko, inzala nezinye izixa-mali ziyabhatalwa yi-borrower. Ukhuseleko phezu real impahla yexabiso oko kukuthi bengagungqi ipropati ngu yadalwa indlela mortgage. Phantsi Unikezelo Impahla Act, mortgage (ngaphandle kwe-i-kwebhodi mortgage) nguwe lokuphinda uhlawule ngaphezu INR kufuneka ibe yi-indlela a ebhalisiweyo instrument (indenture ka-mortgage). I-mortgage ka-bengagungqi impahla (ngaphandle kwe-kwebhodi mortgage) kufuneka ebhalisiweyo kwisithuba seminyaka emine iinyanga phantsi Ubhaliso Act.
Ezithile ukhuseleko inzala kufuneka kanjalo kubekho ebhalisiweyo ne-Central Registry ye Securitization Asethi Reconstruction Nokhuseleko Inzala ka-India (CERSAI).
Kwezinye iimeko, kufunyanwe imvume ulindeleke ukuba abe wazuza kwi-Income tax-mandla kuba ekudalweni kwentlawulo yezavenge bengagungqi iimpahla. Kwi-i-kwebhodi mortgage, isibhengezo lwenziwa ngexesha idiphozithi ka-isihloko zizenzo. Ukuba idiphozithi kanjalo wabhala yi-mortgagee ngendlela a memocomment kwizibuko lokungena. Movable ipropati ezifana impahla yexabiso, oomatshini, njl-njl Ukhuseleko phezu movable ipropati kusenokuba yadalwa indlela hypothecation kwaye uphumezo a deed ka-hypothecation. Sithembiso phezu izahlulo nezinye movable impahla yexabiso - Olunye uhlobo zokhuseleko apho rhoqo ezinikezelwe ngu ekudalweni kuka-tyala kwi-mali izixhobo ezifana izahlulo a inkampani leyo ebeya kufuna ukuthobela izibonelelo Iinkampani Act. Icandelo ye-Isivumelwano Umthetho ibonelela kuba sithembiso phezu tangible movable impahla yexabiso njengokuba bailment kwempahla njengoko ukhuseleko kuba intlawulo na imali eseleyo ityala. Kwimeko kwentlawulo ekubeni yadalwa inkampani phezu ipropati okanye izixhobo ezifana yayo izahlulo, filing kufuneka kwenziwa nge Kumbhexeshi Iinkampani, malunga ekudalweni ngaphandle kwentlawulo.
Ibe iqaphele apha ukuba i-India, kukho imithetho leyo ukulawula imali abolekisa kwaye umntu iqumrhu kwi-ushishino ukwenza yemali-mboleko yakho yakwa ingaba kufuneka ibe ebhalisiweyo njengokuba moneylender okanye nge Uvimba Bank of i-Indiya njengokuba i-banking inkampani okanye i-non-banking-mali inkampani.
