Kodi chilango? Chilango: tanthauzo, mitundu, maonekedwe, ndi ndondomeko kuwerengetsa

Ngati kuphwanya udindo contractual m'malamulo Russian imapereka wapadera chilango. Chinthu choterocho monga chilango, ali ndi yang'anira wa Timeliness a msonkho kutengerapo ndalama, anthu ntchito, ndi kuchita zinthu zina zambiri.

Kodi chilango, cholinga chake zolimbana

Chilango mu mawonekedwe a zilango ndi pafupipafupi kwambiri pamoyo wawo. Udindo wa nawuza chilango ngati kumachitika pa nthawi ya kuphwanya ubale malamulo, enshrined mu mgwirizano kapena lamulo. Ngati pakati si kukonza, chilango adzapitiriza kukula. Kukula kwa chilango zimadalira kuchuluka kwa udindo ndi tidzakwatulidwa masamu mu kuchuluka.

Kusanthula funso zabwino, anthu amakumana mawu monga "kumawononga lithe". Ndi pafupifupi chinthu chomwecho. Mwachitsanzo, ngati mgwirizanowo kwalembedwa kudzipereka kuti chilango tsiku adzakhala 0,3% kuchuluka malipiro, pamenepo akuti cholinga accrue chidwi.

Awiri ntchito ya kumapeto kwa lamulo mtundu chilango: Umu ndi zilango ndi chilango malamulo. Mbali yoyamba mtengo chilango wayikidwa ubwenzi contractual. The pafupifupi kukula kwa ziletso ngati - 0.5% patsiku. Mtundu wachiwiri wa zilango anakhazikitsa malamulo ndipo motsatira Civil Code. Njira ntchito pamene sanali kupereka alimony, sachedwa ndalama zofunikira ndi zina. Popeza malamulo pa mawerengedwe a kuchuluka kwa ndalama ya chilango chofanana ndi mlingo refinancing tingati nthawi ya kuphwanya lapansi.

Zimene zinachitikira, accrued chilango msonkho

malipiro onse msonkho ndi okhwima malire nthawi kuti ayenera mosamalitsa anaona. Ngati tsiku lomalizira kutengerapo zapita, ndi zolimbana akuluakulu chilango. Malingana ngati msonkho ikupezeka salipidwa, chidwi adzapitiriza kukula. Anatiyangata, muyenera kupanga bajeti malipiro mwamsanga.

Akuluakulu msonkho accrue chidwi pa misonkho mothandizidwa ndi mapulogalamu apadera. Poyamba, nthawi yambiri ntchito anachita zachuma, ndipo ngakhale chilinganizo enieni, zotsatira zinali wofooka.

Palinso angapo milandu, pamene chilango msonkho si mlandu. Mwachitsanzo, ngati ndalama za wokhoma ali watsekedwa ndi chigamulo cha boma msonkho kapena ndalama amugwira pamaziko a kuchita chiweruzo.

Kodi inakula ndi zilango

Zilango ndi zilango osiyana ndi ufulu wodzilamulira Chrixitu. Pakati ziletso awa ndi kusiyana ofunika. Chabwino kampani chionetsero mu mwambo kuyan'anila, ndipo analandira chilango ndi masamu tsiku loyamba la kuchedwa. Zilango ndi kuliika ndalama, kusakhulupirika chidwi ndi kuchita masamu malinga ndi chilinganizo ena, kutenga nkhani panopa mlingo refinancing.

Pochedwetsa mu malipiro a milandu zofunikira chilango

Kuchedwa kupereka ngongole zofunikira amakhalabe vuto pachimake makampani yosamalira. Ndi kuchuluka kwa ngongole sichikwiya yovuta, mphamvu ogulitsa ndi ogula ntchito ali ndi ufulu kuika chilango cha zofunikira.

Kukula anasonyeza ziletso zimadalira chiwerengero cha masiku a yomweyo. Mu malamulo atsopano ochokera 1 January 2016 ndalama anayamba accrue masiku 31. Patangotha miyezi itatu (masiku 90) chidwi adzakhala accrue pa mlingo wa 1/300 a mlingo refinancing ndipo anthu 91 wa tsiku ziwonjezeke kwa 1/130 mlingo.

Nthawi zina, mwini nyumba ya adzasiya kwa nthawi zina, mu nkhani iyi n'zotheka kupewa accrual ya chilango ngati pasadakhale kulemba mawu kampani kasamalidwe. kuchedwa kumeneku angaperekedwe kwa munthu wina kwa miyezi sikisi.

Sachedwa malipiro CTP - zoika chabwino

CTP inshuwalansi mgwirizano ikukhudza kukhazikitsidwa kwa udindo enieni zipani kulephera kutsatira zomwe chilango limapereka. Pankhani ya inshuwaransi chochitika kulingalira ntchito wovulalayo sayenera masiku oposa 20. Itatha nthawi iyi, kampani inshuwalansi ayenera kulipira wodandaulayu inshuwalansi umafunika kapena zopanga Anakambirana kukana.

Ngati ndalama salipidwa pa nthawi, kampani ziyenera imawunikidwa chilango. chilango Insurance ndi 1% kuchuluka kwambiri, masamu ndi tsiku. Ngati kampani ya inshuwalansi pang'ono analipira ndi makasitomala, chabwino lidzawotchedwa oletsa ena pamodzi ndi. Pankhani ya kuchedwa dala nthawi processing chinanena chilango kuchuluka kwa 0,05% tsiku. Dziwani kuti chilango okwana simungakhoze olumpha pazipita inshuwalansi malipiro.

Kodi muyenera refinancing mlingo

Chidwi mlingo pa zimene banki chapakati akaganizira kuti mabanki malonda, wotchedwa mlingo refinancing. Mawu a zachuma ali ndi kufunika m'malo kwambiri zoopsa ndi mwachangu nawo mu mawerengedwe a zilango.

Mawerengedwe a zilango kumadalira pa mfundo 1 \ 300 mlingo tsiku lililonse yomweyo. M'mawu ena, kuchuluka ngongole ndi kuchulukitsa ndi 1 \ 300, ndipo chiwerengero cha masiku anaphonya. Komanso chiwongola dzanja nawo malamulo ntchito malangizo lolamulira malipiro yake malipiro antchito.

Mlingo refinancing angasinthe ntchito zake m'chaka kangapo, kotero ndikofunika zonse kuwunika kusintha amenewa kuti bwino kuwerengera ndalama chidwi.

Kodi kuwerengera ndalama

Mwamwayi, kuti zabwino, zovuta kumvetsa pang'ono ndithu kovuta kumvetsa mmene mtengo uwu ndi kuchita masamu.

Mtengo wa ndalama nthawi zonse limanenedwa ngati kuchuluka kwa ndalama yaikulu. lamulo Federal Kusonyeza kuti chilango cha accrue pa mlingo wa 1/300 a mlingo refinancing anapereka Bank ku Central la Russia.

Pofuna kuwerengera chabwino molondola, muyenera chulukitsani mlingo wa ngongole chiwerengero cha masiku arrears ndi mlingo refinancing pa nusu peresenti 1/300.

Bank refinancing mlingo akhoza kusintha kangapo pachaka, choncho funso kodi phindu ntchito mu njira. Monga mwa chilamulo, ndalama kuti masamu payokha, kutenga nthawi chifukwa cha kusintha kuchuluka zinachitika. Ndipo zilibe kanthu, kuchuluka kapena utachepa mlingo.

Choka milandu chilango

Accrued chidwi akhoza anasamutsa imodzi ndi malipiro a yaikulu kapena mu nkhani ya kusowa kwa ndalama pambuyo alipire ngongole paokha. Zilango kubweza sangathe deducted m'mphepete popanda chilolezo isanafike, ndipo iwo sangakhoze kulipiridwa katundu wa kampani. Nkofunika ndalama chilango kutsatira ndondomeko alipire wa ngongole yaikulu. Ngati arrears sadzaweruzidwa mudzalipidwa, ndi enumeration la zilango zikanakhala zopanda phindu chifukwa kukula awo adzapitiriza. Woyamba malipiro yaikulu nthawi zonse kuuzimitsa.

Russian msonkho malamulo inakhazikitsa nthawi malire ntchito ngongole ya anatenga. Munthu amene wachita chokhumudwitsa sangathe mlandu patapita zaka zitatu, amene masamu ndi tsiku kuphwanya, kapena tsiku loyamba pamene mapeto a nthawi msonkho. Choncho, anthu ambiri ndi mabungwe alamulo, pozindikira kuti chilango ndi zimene nthawi ya ntchito ya udindo wobwezera osati mofulumira kubwerera ngongoleyo. Izi kuphwanyiratu malamulo ndipo angachotsedwe kukhudzanso kwambiri.