Imibono ngomthetho ofanayo. Okuqukethwe komlando wesikweletu, izimiso zokusebenza kohlelo lokushintshana ngolwazi, izilawuli.
Impela iningi lenu okungenani wake wathatha imali mboleko, kanti enye inqubo enjalo isadingeka. Imodeli yaseNtshonalanga yempilo ezikweletini minyaka yonke iya ngokuya igxilile ezweni lethu, ithatha izintambo ezimbi. I-Apoto ubukhulu ukunwetshwa kokukhuphuka kobondi, maye, nenombolo yemalimboleko engaphelele, futhi nalokhu udinga ukwenza okuthile ...
I-East News Septhemba 1, 2005 Zonke izinhlinzeko zemithetho No. 218-Fz zaqala ukusebenza ngoDisemba 30, 2004. "Izindaba Zokupenda", №110-фззззззззззз.2005. "Ukuthuthukiswa kwezinguquko emthethweni we-Federal" izindaba zokupenda ", kanye no-No. 219 - Kwakhelwa December 30, 2004." Ukuthuthukiswa kwezinguquko kwezinye zenzo zomthetho mayelana "nezindaba zokupenda" futhi cha . 17-Fz yanamuhla ngoMashi 21, 2005. Izichibiyelo ku-Article 4 of Law No. 219-Fz. Uhlelo olusha seluvele luqale ukusebenza: ikhathalogi yesikweletu ephakathi yezindaba zesikweletu (lapha kubhekiselwa kuzo njenge-TSKKI), ama-bureaus wesikweletu (lapha abizwa ngokuthi yi-bureau), bonke ababolekisi baphoqelekile ukuhlinzeka ngolwazi kubabolekayo labo kanye nezinhlaka zezomthetho kwenye yalezi zinxusa. Ake sizame ukuthola lolu hlelo oluyinkimbinkimbi.
Ngakho-ke, izinhloso zomthetho Nombolo 218 'ziyindalo nokuchazwa kwezimo zokwakhiwa, ukucubungula, ukugcinwa kanye nokudalulwa kwesikhathi somlando wesikweletu semininingwane, okubonisa ukubekelwa isikhathi kwababolekisi bezibopho zabo ( Imalimboleko), yandisa ukuphepha kwababolekisi kanye nababolekayo ngenxa yokuncishiswa okuphelele kwezingozi zesikweletu, kuthuthukise ukusebenza kwezikhungo zesikweletu. " Lokhu kubhalwe esihlokweni 1 soMthetho. Kubalulekile ukuthi ngaphansi kwesenzo sayo siwela bobabili abantu kanye nezinhlaka zezomthetho. Sizogxila kwizakhamizi zababolekisi bamanje nabazayo.
Okuphathekayo
Isidingo sokubolekwa kwabathengi ezweni lethu sikhula ngokushesha okukhulu. Iningi labantu likhetha izimpahla ngokuya ngamakhono nezidingo zabo: Izakhamizi ezinezinga eliphakeme lemali engenayo - izindlu nezimoto, njll. Imalimboleko zinikezwa zombili emahhovisi nasezitolo nasezindaweni zokuthenga . Ukuthola imalimboleko yokuthengwa kwefoni ephathekayo noma, ngokwesibonelo, ukuhlanza i-vacuum kwesinye isikhathi kuphakamisa ipasipoti. Sidinga amakhadi amabili omazisi ahlukene (ngokwesibonelo, amaphasiphothi angaphakathi nangaphandle). I-Achetoba Thatha imali yemalimboleko yokuthenga kwefulethi noma imoto, kuzodingeka isitifiketi seholo.Kuyiqiniso, yonke imali mboleko ezweni lethu ikhishwa ngenzalo. Ngasikhathi sinye, iBhangengodlana lithembela ekuxazululeni kobolekayo, ukwehlisa inani lenzalo kuvela. Ukwenza isibonelo, imali mboleko yempahla ebanjiswayo enikezwe abantu abanezimali eziphakeme kakhulu futhi eziqinisekisiwe ezidlulile inqubo yokuhlola kahle ebhange, isilinganiso esingu-14-15% ngonyaka sithathwa njengento ejwayelekile. Kwabanye abathengi bemalimboleko yabathengi, akekho onikeza okungaphansi kwe-18%. I-AESL iza esitolo ngaphandle kwemali nange-passport eyodwa, kungenzeka ukuthi ube se- "bole" "ngokusemthethweni: ngokusemthethweni kuze kube ngu-30% ngonyaka we-0-2% njalo ngenyanga ngemali ehlukahlukene. isilinganiso esifanayo kwesinye isikhathi sifinyelela kuma-40% nokuningi.
Uma uqala ukubheka nje, kuveza umbono obuhlungu. Kepha ezimweni zemakethe engalungiswa, amabhange ayaphoqelelwa ukuba abeke izingozi zokungakhokhi kwezikweletu ngesilinganiso senzalo kwimalimboleko ngemalimboleko ngesikweletu. Ukuvuselelwa kwezikweletu ezedlule isikhathi kutholakale ngokwengeziwe nsuku zonke. Umshini oya emabhange ukubhekana nakho kanzima, yize kwabaningi babo kunezakhiwo ezikhethekile ezibandakanyeka ezikweletini. Imizamo yokuhlanganisa imininingwane isivele yenziwa: Basho ukuthi isikhathi eside ngaphambi kokutholwa koMthetho "Ukuphakamisa izindaba" kwakukhona futhi kusekhona nohlu olumnyama lwababolekisi abangathembekile, Manje konke kufanele kushintshe kube ngcono, futhi wonke umuntu uzoba nentshisekelo ekwakheni umlando wakhe wesikweletu omuhle. Yona uqobo izosebenza njengobufakazi bokuqina kwayo (lapho eza ebhange ngemalimboleko). I-avole yabo bonke ababolekisi bemalimboleko yemalimboleko, sethemba ukuthi kancane kancane bayehla ezingeni lamazwe athuthukile (cishe ama-4-6% ngonyaka), futhi imakethe yokubolekwa izothuthukiswa ngokwengeziwe.
Isichazamazwi se-terminos
Umlando Wezikweletu - Imininingwane ebonisa ukugcwaliseka nguboleka izibopho ezibolekayo ngaphansi kwezivumelwano zemalimboleko (imalimboleko) futhi igcinwe kwi-bureau yezindaba zesikweletu. Umlando ngamunye wesikweletu uqukethe izingxenye ezintathu: Isihloko, okuyinhloko nangezekile (kuvaliwe).
Isivumelwano semalimboleko (imalimboleko) - Isivumelwano esiqukethe isimo sokuhlinzekwa kwemalimboleko yezentengiso (noma) yezentengiso (yasebhange).
Umbiko Wezikweletu - Idokhumenti elingena kwimininingwane uqobo elifakwe esihlokweni kanye nengxenye eyinhloko yomlando wesikweletu. I-Bureau ikuhlinzeka ngesicelo somlando wesikweletu somsebenzisi nabanye abantu abafanele lolu lwazi.
Umthombo Wokusungulwa Komlando Wekhredithi - Inhlangano engumbolekisi (obolekayo) ngaphansi kwesivumelwano semalimboleko (imalimboleko) kanye nokumelelwa imininingwane efakwe emlandweni wesikweletu e-Bureau.
Isihloko somlando wesikweletu - Umuntu ongokomzimba noma osemthethweni obolekayo ngaphansi kwesivumelwano semalimboleko (imalimboleko) futhi maqondana nomlando wesikweletu owakhiwa.
I-Bureau Yezindaba Zesikweletu - Inhlangano yezomthetho, okuyinhlangano yezentengiselwano nokuhlinzeka ngezinsizakalo zokwakhiwa, ukucubungula kanye nokugcinwa kwezindaba zesikweletu, kanye nokuhlinzeka ngemibiko yemalimboleko kanye nezinsizakalo ezihlobene.
Umlando Wekhredithi Yomsebenzisi - Umuntu osomabhizinisi ngamunye noma ibhizinisi elisemthethweni (imvamisa iBhange, isikhungo sezikweletu), owayethola ebhalwe noma ngendlela ehlukile, wabhala imvume yendaba yomlando wesikweletu wokuthola isivumelwano semalimboleko yokuthola imalimboleko yemalimboleko (imali mboleko).
Inkatha kaCentral yezindaba zesikweletu (TSKKI) - Ukwahlukaniswa kwebhange eliphakathi kweRussia Federation, i-database eholayo eyenzelwe ukusesha i-Bureau lapho kutholakala khona umlando wezakhamizi zezakhamizi.
Irejista Yombuso ye-Bureau Yezindaba Zesikweletu - Insiza evulekile neyomphakathi etholakala emphakathini (indawo), equkethe imininingwane mayelana ne-bureau yezindaba zesikweletu ezifakwe kulolu registry ngumzimba wombuso ogunyaziwe.
Isihloko somlando wesikweletu - Inhlanganisela yezimpawu zedijithali nelezinhlamvu ezinqunywe yibhizinisi lomlando wesikweletu (obolekayo) elisetshenziswe yizo kanye (noma) nemvume yalo ngumsebenzisi wesikweletu lapho kuthunyelwa isicelo se-Bureau eKomidini eliseCentral lapho ( okusungulwe (kwakhiwa) umlando wesikweletu (umlando wesikweletu) lesi sihloko, ukuqinisekisa ubuqiniso bokukhipha lolu lwazi.
Umgomo Osebenzayo
Ngendlela efanayo, amabhange manje azohlola ukuthi uwahle kangakanani mboleko wangaphambilini: Ukukhuluma njengabasebenzisi bomlando wesikweletu, bangacela imininingwane ngawe e-Bureau esebenza, nalapho engekho ekomitini eliphambili. Lesi sakamuva sizophendula, lapho i-Bureau kukhona imininingwane enjalo (Isigaba 13). Ukushintshaniswa kolwazi kwenzeka ngokushesha okukhulu, ngoba zonke izinhlangano ezibandakanyeka kulolu daba lwekhompyutha futhi zithumela izimpendulo ezicelweni ngesimo semiyalezo ye-elekthronikhi.
Okuqukethwe komlando wesikweletu
Yiluphi ulwazi olukule dokhumenti olugcinwe izimpawu eziyisikhombisa eziya e-Bureau? Okuhlukahlukene kakhulu, okuvumelayo, okokuqala, ukukhomba ngobuntu, okwesibili, ukulandelela igxathu negxathu nge-Step yakhe edlule njengombolekisi. Umlando ngamunye wesikweletu womuntu ongokomzimba noma wezomthetho ngokuya nge-Article 4 yoMthetho uqukethe izingxenye ezintathu: I-TITURAL, PRIME. Okokuqala kufaka phakathi (kwezakhamizi): Igama eliphelele, usuku nendawo yokuzalwa, imininingwane yokuhlonza intela yentela (inva (inva ye-akhawunti yomuntu siqu echazwe kwisitifiketi somshuwalense wempesheni (uma sekubonisiwe izinombolo ezimbili zokugcina) .
Isibonakaliso somlando wesikweletu somuntu siqukethe idatha yakhe engazange ingene engxenyeni yesihloko, okungukuthi: Ikheli (inkomba yendawo yokubhalisa nendawo yokuhlala) nolwazi mayelana nokubhaliswa kombuso komuntu njenge usomabhizinisi ngamunye (uma kunjalo). Futhi imininingwane efanayo ngezibopho zombolekisi ngerekhodi ngalinye lomlando wesikweletu (!), Okungukuthi, ngemalimboleko ngayinye etholakele:
mayelana nenani lezibopho ngosuku lokuphetha isivumelwano semalimboleko (imalimboleko), okungukuthi, mayelana nenani lokuqala lesikweletu ebhange;
Isikhathi sokwenza izinto zemalimboleko semalimboleko sigcwele;
isikhathi samaphesenti;
Izinguquko kanye (noma) okungeziwe esivumelwaneni semalimboleko (imalimboleko), kufaka phakathi ukugcwaliseka kwezibopho;
Usuku nesamba sokugcwaliseka kwangempela kwezibopho ngenani eligcwele noma elingaphelele;
Ukubuyiselwa kwemalimboleko (imalimboleko) ngenxa yokuhlinzekwa, uma obolekayo engazange afeze izibopho zawo ngaphansi kwenkontileka (ngokwesibonelo, endabeni yemalimboleko yempahla ebanjiswayo, ukuthengiswa kwendlu kuthengisiwe);
Amaqiniso okucatshangelwa yiNkantolo Yezingxabano ngaphansi kwesivumelwano semalimboleko (imalimboleko) kanye nokuqukethwe kwezingxenye zezingxenye zezenzo zokwahlulela, ezifakwe ingxenye yengxenye ye-Credit .
Ingxenye esemqoka ingafaka olunye ulwazi olutholwe ngokusemthethweni kuma-ejensi kahulumeni. Uphenyo (Kuvaliwe) Ingxenye yomlando wesikweletu iqukethe imininingwane mayelana nemithombo yokwakheka kanye nabasebenzisi bomlando wesikweletu, okuwukuthi, wonke amabhange nezinhlangano ezake zanikeza imali mboleko kanye (noma) nesihloko semalimboleko kwi-bureau. Le yidatha elandelayo: Igama Labo, Inombolo Yokubhaliswa Kwezwe Ehlanganisiwe yebhizinisi elisemthethweni, i-Inn, ikhodi ye-Main Crisefier yamabhizinisi nezinhlangano (OKPO) nezinsuku zezikhalazo.
Isikimu Sokushintshana Esiku-History History
I-2.Bank ibuza leyo ndaba ukuthi inikeze imvume ebhaliwe yokuthola umbiko wesikweletu kwi-Credit History Bureau.
3.Baberate kunikeza imvume enjalo.
I-4.Bank (Njengomsebenzisi womlando wesikweletu) icela umbiko wesikweletu ngesihloko esisesimweni sezikweletu sezindaba zesikweletu, lapho enesivumelwano sokuhlinzekwa kwezinsizakalo zolwazi. Ikhwalithi ye-Assee, i-Bureau ihlinzeka ngombiko onjalo noma iphendula ngokuthi umlando wesikweletu wale ndaba ku-database yawo ulahlekile.
5. Ibhange liphendukela kwi-TSKKI ngesicelo, okuyi-Bureau iqukethe umlando wesikweletu wale ndaba. I-Tskki inesibopho, futhi ibhange lifaka isikhalazo kwi-bureau ebekiwe.
I-6.Bank ikhipha imalimboleko kumuntu obolekayo futhi imcela ukuthi avume ukwethulwa kwemininingwane ngaye kanye nemalimboleko etholwe kuyo e-bureau.
I-7.bank iveza lolu lwazi okungenani okungenani kwi-bureaus yezindaba zesikweletu.
8. Yonke i-Bureau idlulisela izingxenye zezikweletu zezindaba zezihloko ezifundweni eKomitini Ephakathi.
9. Bonke isifundo (okokuqala, obolekayo noma esizayo noma esizayo) bangacela umlando wayo wesikweletu e-bureau, kanti ne-bureau ibhekwe ukuyihlinzeka ngokugcwele, uma isendaweni yayo. Uma umlando wesikweletu wesihloko ku-database yale bureau ungekho, kufanele uthumele ukwenqaba okushukumisayo kule ndaba.
10.Indaba nendaba inelungelo lokucela imininingwane yokuthi i-bureau ingumlando wayo wesikweletu, kuma-CCQs. I-ATA Inhlangano ibophekile ukuyiphendula.
Ukunikezwa kolwazi
Isihloko somlando wesikweletu singumbolekisi wangaphambili noma esizayo- singacela imininingwane ephelele ibe yi-bureau ngaye futhi sikuthole kanye ngonyaka mahhala futhi njengemali (i-Article 8). Unelungelo lokuphonsela inselelo okuqukethwe komlando wakhe wesikweletu, okudingeka ukuhambisa isitatimende sokuchibiyela futhi (noma) kwi-bureau. Inyuke ama-30days kusukela ngosuku lokuthola uhlelo lokusebenza, i-Bureau iphoqelekile ukuphendula: ukwenza isheke elingeziwe lolwazi ngokulicela emthonjeni wokwakhiwa komlando wesikweletu. Uma imininingwane enikezwe yindaba iqinisekisiwe, i-Bureau yenza izinguquko kokuqukethwe komlando wesikweletu uma kungekho ukwenqaba okushukunyiswa komenzi wesicelo.Vele, awukwazi ukuthi i-Bureau "yicala lakho." Kuyadingeka ukuxhumana ne-TSKKI (mahhala), lapho imininingwane ivela khona kuwo wonke ama-Bureaus asebenzayo. Kepha kuphela ingxenye yesihloko somlando wesikweletu - futhi akukho okunye. Ngakho-ke, umbuso omelelwe yisigaba sebhange eliphakathi, eqinisweni, awunayo imininingwane yangempela yokholo oluhle noma ukungathembeki kobolekayo. I-TSKKI iyazi kuphela ukuthi i-bureau igcinwe yini umlando wakho wesikweletu. Kulokhu, wamukela kuphela kulokhu, ngoba ukuvuza kwawo kuba nzima ...
I-VKKKI ingaxhumana futhi noma iyiphi inhlangano yekhredithi (umsebenzisi wesikweletu), intshisekelo yokuthola ukuthi i-Bureau ingumlando wesikweletu obolekayo. Izothola lolu lwazi mahhala (Article 13).
I-Bureau Yezindaba Zesikweletu yenzelwe ukuhlinzeka ngokwesivumelwano (okungukuthi, ukuthola izinsizakalo zemali) zokuhlinzekwa kwemibiko yesikweletu. Lona yincwadi etholwa yizinkampani ezinentshisekelo nezakhamizi ezibhekiswe kwi-Bureau. Siqukethe izingxenye ezimbili zomlando wesikweletu kanye nenhloko. Ingxenye yayo eyengeziwe (evaliwe) ihlinzekwa kuphela kwisihloko esithi "Umkhosi" womlando wesikweletu; Ngaphezu kwalokho, inkantolo (ijaji) ngaphansi kwecala lobugebengu elisunguliwe, elikhiqizwa, kanye neziphathimandla zokuphenya kokuqala phambi kwemvume yomshushisi.
Ngokuya nge-Article 9 yomthetho we-Bureau, ezinye izinsizakalo ezihlobene nokuthuthukiswa kwamasu alinganiselwa (amagoli) wokubala izilinganiso zomuntu ngamunye futhi (noma) ukusebenzisa ukusetshenziswa kwazo (kususelwa kulwazi oluqukethwe ezindabeni zesikweletu) nazo ziyatholakala.
Amabhange amabhange
Unjani umthetho "ezindabeni zesikweletu"? Yini okufanele uyilindele ababolekisi besikhathi esizayo?
Igor zhigunov, Ilungu leBhodi, inhloko yoMnyango Wezentengiso weBanke Lomboleko YoMnyango: "Ngokusho kwezinhlinzeko zoMthetho, kusukela ku-1 Iyun 2005. Ukudalwa kwe-credit bureau sekuqalile. Kuze kube khona ama-bureau. wezindaba zesikweletu ezikhishwe nge-Interfax "kanye ne-" National Bureau of Credit History "Moscow, kanye" ne-Joint Hered Bureau "kanye ne-Credit Bureau" kanye nenhlangano yezenhlangano ye-Bureau Law yenza ungalawuli. Badinga malini, ukuzijwayeza kuzokhombisa. Mhlawumbe kuzoba yi-bureau eyodwa ngesihloko se-Russian Federation. Noma kunjalo, kufanele baqongelele ukuthola imininingwane ngempumelelo. I-ANA izothatha okungenani iminyaka emibili kuya kwemithathu, lo mthetho kufanele ufake isandla ekunciphiseni okuzayo ezingozini zasebhange lapho ucubungula izicelo zokwenziwa kwesikweletu kanye nokwenza izinqumo, ngoba kuzovumela ngokuhlelekile ukuthola imininingwane mayelana nobudlelwano besikweletu bangaphambilini. "
U-Alexander Khoshenko, Ilungu leBhodi, inhloko yoMnyango Wezemisebenzi Nabantu Abangokwenyama "Raiffeisenbank": "I-Bureau yezindaba zesikweletu yaqala ukusebenza muva nje, ngakhoke kusenesikhathi ukukhuluma ngemiphumela. Noma kunjalo, kungacatshangelwa ukuthi inqubo Ngokuthola imalimboleko kuzokwenziwa lula: Kusheshise izinqumo zenqubo yokutholwa kwisicelo semalimboleko yebhange, kanye nenombolo yemibhalo engeniswe ngubo obolekayo. Kepha esikhathini esifushane, isikhathi kuyadingeka ukuthi izakhamizi kufanele ziqongelele umlando wesikweletu. Ngakho-ke, ukubukeka kwe-Bureau kuzoqala ukwenza lula impilo yababolekisi abangahlonishwayo ngokuzayo, njengoba ulwazi luqongelelwe ku-Bureau Database. Kufanelwe ukuqala kwangempela kwe Umsebenzi we-Credit Bureau kungaba ukumangala okungathandeki kumakhasimende, uma "ukhohlwa" ngezibopho zawo kubabolekisi, kanye nalabo abethula amabhange obuhle obuhle, bathola imali mboleko yemali ephelele phezu kwazo zonke izikhathi Isilinganiso esihlakaniphile. Ezimweni eziningi, izakhamizi ezinjalo akunakwenzeka ukuba zikwazi ukubala hhayi kuphela ebhange lesikweletu, kodwa nakwamanye amasevisi, njengenkontileka yemalimboleko noMshuwalense wezimpahla noma inkokhelo yomshuwalense wezimpahla noma inkokhelo yomshuwalense wezimpahla noma inkokhelo yomshuwalense wezimpahla noma inkokhelo yomshuwalense wezimpahla noma inkokhelo yomshuwalense wezimpahla noma inkokhelo yomshuwalense wezimpahla noma inkokhelo yomshuwalense wezimpahla noma inkokhelo yomshuwalense wezimpahla noma inkokhelo yomshuwalense wezimpahla. Septhemba Septhemba 2005 Ibhange lethu lihlinzeka ngemininingwane kubabolekisi bayo kule nyunyana elandelayo efakwe kwirejista yombuso we-Credit Bureaus: "I-Bureau yezindaba zesikweletu ikhishwe nge-Interfax" kanye "Nezinceku Zezwe Izikweletu".
Oleg Dmitrienko, Iphini likasihlalo weBhodi "I-Absoluty Bank": "Manje ama-Bureau of News Sedays asesigabeni sokuqala sendalo futhi empeleni azosebenza, ngombono wami, lapho ababolekisi bebethethelwa. Ukwanda kwemininingwane ye-Bureau kanye nokusebenza kahle kwemisebenzi yabo kuncike ekutheni amabhange okuthengisa asebenzayo azohlanganyela kanjani kule nqubo-obolekayo kaBoron ku-daron database azonciphisa izindleko zawo ukuze ahlaziye izikweletu zawo ukuze ahlaziye izikweletu zawo, futhi kuzokwenzeka lapho I-Bureau izoba nesisekelo esikhulu. Kepha imibuzo emthethweni "kusekhona noma yiziphi izindaba zesikweletu. Ngokwesibonelo, mayelana neqiniso lokuthi ngokuhambisana nalo mthetho, imininingwane mayelana ne-bureau kuphela nemvume yayo . Kuyavela ukuthi ngokweqiniso, imininingwane ebolekwabo ababolekisi be-database ayikwazi ukwenza nhlobo. Ngaphezu kwalokho, ngombono wami, kungaba kufanelekile ukudala i-Federal Credit Bureau yezindaba zesikweletu. "
Ezokuphepha Nokulawula
Okokuqala, ngobuciko. 7 (Ingxenye 5) Isho ngokusobala ukuthi ukuhlinzekwa kwemininingwane ngokuya ngalo mthetho akuyona ukwephulwa kwesikhulu, ukubhenka, intela noma izimfihlo zentengiso. Okwesibili, ngokuya ngeNgxenye 2 yendatshana efanayo, ama-Bureau of News News aqinisekisa ukuvikelwa kolwazi ngezindlela eziqinisekisiwe zokuvikela ngesikhathi sokucubungula kwawo, ukugcinwa nokudluliswa. I-Bureau ngayinye kufanele ibe nelayisense yokuvikelwa kobuchwepheshe imininingwane eyimfihlo (bheka.17 ye-Federal Law No. 128-Fz ka-08.08.2001. "I-Oliition yemisebenzi ngayinye"). Lawo malayisense akhipha insizakalo yezobuchwepheshe nezobuchwepheshe abathumela ngaphandle (FSTEC). Okwesithathu, i-Bureau kanye nezikhulu zabo zibhekele ukudalulwa okungekho emthethweni kanye nokusetshenziswa okungekho emthethweni kwemininingwane etholakele. Umthetho №219-Fz uDisemba 30, 2004. Izinguquko kwiKhodi Yezemilo Yezokuphatha: Izenzo ezingekho emthethweni zokuthola kanye (noma) ukusabalalisa imininingwane esongwini umlando wesikweletu uma zingaqukethe iholo lokuphatha ubugebengu, lifaka inhlawulo yokuphatha ( Umholo omncane), kwizikhulu, kusukela ngo-25 kuya ku-50 kuya ku-50 noma kungukufanelekela iminyaka emithathu, ezinhlamvwini zomthetho - ukusuka kumaminithi angama-300 kuya kwayi-500. Kunikezwe amacala abi kakhulu, kunikezwa ikhodi yobugebengu yekhodi yobugebengu.
Ukulawula ukwenziwa koMthetho "ezindabeni zesikweletu" kuhloswe yinhlangano yezwe egunyaziwe. Ukubuyisa ngokuxazululwa kukaHulumeni we-ARF No. 501 kwe-10.08.2005. "Umzimba ophezulu osemthethweni ogunyazwe ukwenza imisebenzi yokulawula nokuqondisa imisebenzi ye-Bureau Yezindaba Zesikweletu" yinsizakalo ye-Federal yezimakethe zezimali (i-FSFR). Ihola irejista yombuso ye-Bureau, isungula izidingo zesimo sezimali sababambiqhaza be-Bureau, iqhuba imisebenzi yokulawula kanye nokuhlola, ukuxhumana ne-SCKIPR.
Ukwamukela umthetho "ezindabeni zesikweletu", uMbuso uzama ukuxazulula inqubo yokukhipha nokukhokha imali mboleko, ukukhuthaza ngamunye ukuthi athole umlando wawo wesikweletu omuhle. Uma ngemuva kwesikhashana, ukushintshaniswa kolwazi kubabolekisi kuzosaqala ukusebenza ngamandla agcwele, kuzoba nomthelela ekusungulweni kwemakethe ephucukile futhi wenze inqubo yokuthola imalimboleko. Kepha, ngeshwa, akekho nothingo okhombise ukuthi kungenzeka ukuthi anciphise amanani emalimboleko emalimbolweni ngokuzayo, yize kungabonakala, kufanele aze lapho izingozi zasebhange zincipha. Ngokuvamile, uhlelo vele lwaqala ukusebenza, ngakho-ke sizophila, sibone ...
Abahleli babonga "i-Raffeisenbank", "I-City Referage Bank" kanye ne- "Absolut Bank" ukuze basize lapho kulungiswa khona izinto ezibonakalayo.