Kuwerengera phindu la pathupi ndi kubereka: Kodi mungasankhe malamulo atsopano kapena akale?

Kudikira mwana ndizofunikira kwambiri kwa banja lililonse. Koma, monga mukudziwira, abwana samakonda nthawi zonse ndi womvera ake. Izi sizichitika chifukwa cha kufunika kwa kufufuza kosakayika kwa wogwira ntchito watsopano, komanso chifukwa chakusowa ndalama. Panali panthawiyi, kuti asaphonye mkhalidwewo, mkazi akhoza kudziyesa kuwerengera kwa phindu la mimba ndi kubala.

M'chaka chomwecho, kuwerengera kwa phindu la mimba ndi kubala kumapangidwa ndi malamulo akale komanso atsopano. Pankhaniyi, chisankho chimaperekedwa kwa mkazi. Kusiyana kwakukulu ndi ndondomeko yowerengera ndalama zambiri, zomwe zimagwiritsidwa ntchito kuwerengera phindu. Tiyeni tikambirane mitundu iwiri ya algorithm, yomwe imagwiritsidwa ntchito ndi accountant kwa chiwerengero.

Kotero, chisankho 1. Izi, zomwe zimatchedwa malamulo akale, zinachita mogwirizana ndi Federal Law mpaka kumapeto kwa 2010. Chofunika cha kulipira uku ndikuti kuwerengera kwa malipiro ambiri kumapangidwa kwa miyezi 12, yomwe isanafike pamwezi wachitetezo. Ndipo kuyambira chaka chino nthawi ngati tchuthi, zosavuta, zolemala kapena zochoka kudwala, ndi zina zotero zimachotsedwa. Kuonjezerapo, malingana ndi kalembedwe, kawirikawiri malipiro ali ndi malire apamwamba omwe amalembedwa pa tsiku lovomerezeka.

Kusankha 2. Malamulo atsopano kuyambira pa 1.01.2011. Mosiyana ndi ndondomeko yakale, chiwerengero cha zopindulitsa za amayi ndi amayi zimapangidwira kuchuluka kwa ndalama kwa zaka ziwiri, zomwe zisanachitike chaka cha inshuwalansi. Ndipo palibe chomwe chimachotsedwa pa nthawi ino. Mwa kuyankhula kwina, kuwerengera kawirikawiri malipiro a tsiku ndi tsiku, ndalama zonse zomwe ndalama zothandizira inshuwalansi zidalipidwa zimagawanika ndi masiku 730. Malipiro omwe amapita pachaka amakhalanso ndi malire olimbitsa.

Makhalidwe atsopano, omwe amawerengetsera ndalama za mimba, amakhulupirira kuti mu 2010 ndalamazi sizingakhale zoposa 415,000, mu 2011 ndalamayi ndi mabomba okwana 463,000. Gawani malipiro kwa zaka 2 nthawi zonse ndi masiku 730, ngakhale kuyambira zaka zomwe anawerengedwa anali chaka chotsatira. Choncho, chiwongoladzanja cha malipiro a tsiku ndi tsiku ndi ruble 1,000 202. 74 kopecks, i.е. 415,000 + 463,000: masiku 730.

Kuti tifotokoze momveka bwino, timapereka chitsanzo. Ndi ndalama zambiri zomwe mkazi amapeza mwezi uliwonse mu 2010, 28,000, mu 2011 33,000 rubles, malipiro a tsiku ndi tsiku adzakhala 1,000 2 ruble. 74 kopecks. ((28 * 12) + (33 * 12): 730).

Ndikoyenera kudziwa kuti mabungwe akugwira ntchito yosavuta kapena yowonjezera misonkho, amawerengera phindu la kutenga mimba ndi kubala mwazifukwa zomwezo monga kampani ku boma lofanana.

Monga tafotokozera kale, malamulo akale amaganiza kuti chiwerengero cha malipiro a tsiku ndi tsiku amachokera pamwezi wapita 12. Timapereka malipiro onse, pansi pa inshuwalansi ndikugawaniza kuchuluka kwa chiwerengerocho ndi chiwerengero cha masiku omwe akuphatikizapo nthawi yobweza. Nthawi yowerengera imatanthawuza masiku okha pamene mkazi anapita kuntchito, kotero malipiro, mwachitsanzo, paulendo, kupita kodwala, ndi zina zotero. Pankhaniyi sichiwerengedwera. Ndiye zotsatira zake zimayesedwa ndi malire ake. Ndikofunika kuti chaka chino chiwerengedwe chimodzimodzi ndi chaka cha 2010. Choncho, malipiro amtundu wapatali tsiku lililonse mu 2012 sali oposa 1,113 ruble. 99 apolisi. Choncho, kufikira lero, malipiro opindula omwe amawerengedwa ndi malamulo atsopanowa ndi oposa momwe malipiro amakhalira malinga ndi ndondomeko yakale. Komabe, izi zikugwiritsidwa ntchito kwa amayi omwe omwe amaphatikizapo ndalama zothandizana ndi ndalama zopitirira 830,000. Kwa ena onse, kalembedwe kachitidwe ka chiwerengero ndi kopindulitsa kwambiri.

Pogwiritsa ntchito mwachidule, tingathe kunena kuti kuwerengera kwa ubwino wokhala ndi mimba ndi kubereka kumapangidwa mwachindunji pambali ya mayi wamtsogolo. Pazochitika kuti mkazi sakufuna kuwerengera molingana ndi kusintha kwa zakale, chiwerengerocho chimapangidwa molingana ndi dongosolo latsopano.

Ngati, mwachitsanzo, nthawi ya holide yodwala imatsimikiziridwa ndi dokotala patsiku la masiku 140, ndiye kuti phindu lalikulu potsatira malamulo akale lidzakhala 196,000 zikwi makumi asanu ndi zitatu (386) za ruble. 30 kopecks., Ndipo pansi pa malamulo atsopano - 168,000 ruble 383. 60 kopecks.