IOU. Drafting promissory cholemba. Kusangalala ngongole

Nthawi zonse panali mchitidwe kubwereka ndalama ndi kusiya ndalama. Wina anapereka ngongole chidwi zobala, munthu kukhala bwenzi, popanda ndalama zolowera zina utumiki amenewa. Koma chirichonse chimene icho chinali, sanabwerere chilichonse. Kwenikweni, monga izo ziriri tsopano. Tiyeni tinene mungakwanitse kubwereka ndalama, koma ndikufuna nditsimikize kuti yofanana adzabwerera kwa inu, monga analonjeza anthu kubwereka ndalama. Monga wakale mwambi zimakhalira, "ubwenzi ndi mabwenzi, koma ndalama - padera." Ichi ndi chifukwa chake pali chikalata ndi mutu yosavuta kumva "IOU".

Kodi apereke chiphaso bwino?

Zitsanzo:. "IOUs Ine Leonov Leonid Leonidovich, tsiku lobadwa 01.01.1980, pasipoti chiwerengero ..., anapereka (tsiku la nkhani), dipatimenti apolisi (opereka ovomerezeka), m'kaundula (kulembetsa place) ndi moyo (malo okhala), anatenga (Uwerenge manambala ndi makalata) ngongole pansi 20% pa annum ku nzika Fedorova Fedora Fedorovicha, tsiku lobadwa 02.02.1982, pasipoti chiwerengero ..., anapereka (tsiku la nkhani), ndi (ulamuliro opereka) dipatimenti ya apolisi, m'kaundula (kulembetsa place) ndi moyo (malo okhala). I ntchito kwa malipiro anati ndi chidwi (tsiku kubwerera). siginecha. "

IOU kwalembedwa okha ndi manja. Kenako, mu mwambo wa mkangano uliwonse (ngati wamangawa "kupita kukana"), cholembedwa Kupenda adzaona woyambitsa lembalo. imodzi yokha yolembedwa ndi lemba ankayimira pa kompyuta kufufuza sikokwanira. Iwo m'pofunika kuyerekeza siginecha kutenga ndalama ngongole ndi anthu pasipoti yake. Zimachitika kuti "akatswiri" amangawa aliyense chiphaso latsopano kuika siginecha latsopano.

Ngati mupereka kuchuluka zina za kuchuluka, izo ziyenera anasonyeza pa chiphaso cha.

Ngati ndalama linachokera ku ndalama zakunja pa chiphaso ayenera awasonyeze chimene ndalama ndi ndalama posinthana kubweza ndalamazo.

IOU ayenera amasonyeza (ngati mukufuna) tsiku kubwerera kwa ngongole ndalama. Kuyambira lero kumayamba anayesedwa lamulo zofooka Pamene ntchito akuluakulu bwalo. Malamulo zofooka ndi zaka 3. Ngati tsiku polandirira msonkho si ananenera, ndiye ngongole tidzakambirana kalekale. Pezani chilungamo kuno kudzakhala kovuta kwambiri - asanapite chibwenzi wotsutsana pangafunike kubwerera ngongole ya.

Ngakhale debenture wapangidwa bwino ndiye sangakhale ndalama kumbuyo chitsimikizo. Mu malo oyamba izo - chikhulupiriro wabwino wa wokongolayo. Komabe, pamaso pa zinthu zonse wofunikira kuwonjezera mwayi ndalama kumbuyo ngati inu amakakamizidwa kupita kukhoti.

Momwe polandirira msonkho ntchito?

Ngati wobwereka akukana kubwerera kuchuluka watenga kale (zomwe zimachitika kawirikawiri), kupita kukhoti. Lamulo nthawi zambiri adzakhala kumbali yanu. Apa simuyenera yaitali. Anataya nthawi kusewera ndi inu. Ngongole kuchira zimatengera zinthu zambiri pa ngongole, ndipo lophatikizana ndi ubwamunalo linagawanika mu mitundu:

- ndi udindo (achilengedwe kapena malamulo munthu);
- ngongole (pamaso pa katundu: galimoto, dziko, malo, etc.), kukhalapo kapena kusapezeka kwa kuthekera kuchira ku wamangawa kuchuluka apempha;
- m'munsi mwa zosayembekezereka wa udindo ngongole (a anasaina ngongole mgwirizano), mavuto (khalidwe mosalongosoka, ngozi, etc.).

Ngati ngongole ali ndi chuma wokhutiritsa pempho ngongole ya mutuluka yomweyo: mukhoza kukhala mu mndandanda wa anthu amene amafuna adzabwerenso ngongoleyo. Ife woyamba anayambitsa mwayi obwezeredwa kubweza kwambiri. Sikuti ndi kusokoneza wamangawa bwalo. Chonde kulankhula nawo mwachindunji. Lamulo kubwerera ngongole kufika amene anatenga ndalama kuchitapo kanthu pa kuchotsa katundu kuwomba. Nthawi zina kusiya wamangawa, ndipo mukazipeze izo Sizotheka. Kuganizira mmene kubweza ngongoleyo pa chiphaso cha, deta za munthu amene sanabwerere ndalama. mfundo zonse zofunika, chilichonse. lipenga khadi lanu - amafotokozera anadabwa.

kusanthula Komanso deta ndi limakupatsani kusankha njira yabwino kubwerera ngongoleyo. Nthawi zambiri, amangawa amene alibe chuma, nkhani za chakudya cha Code Wachifwamba, pamene zochita zawo amaonedwa chinyengo.