Mawerengedwe a ndalama

Chilango - izi mawonekedwe chilango, chimene anatsimikiza ndi muyezo anakhazikitsa pochedwetsa mu ntchito ya malipiro udindo wake kwa munthu malamulo kapena zachilengedwe. chidwi mawerengedwe ndi wosavuta, inu athe kuchita izi ndi m'nkhaniyi tidzayesetsa wosalira ntchito kwa inu.

Nthawi zina pochita malonda, ndipo banja, nafenso tikhoza sachedwa kulipira ndalama iliyonse. Izi zimachitika pa zifukwa zosiyanasiyana Mwachitsanzo, muli kwambiri amathera mwezi uno, ndipo alibiretu ndalama zotsala kulipira misonkho, ndalama zofunikira , ndi zina zotero. Nthawi zina anthu chabe banal kuyiwala za mawu a kuphedwa malipiro kapena kutaya chiphaso ndi zofunika zokhudza malipiro. Zikatero m'pofunika kukhala pansi ndekha pa kompyuta ndi kuyamba kupanga mawerengedwe lenileni la ndalama.

Kumene, mabungwe amene ali amangawa, amasamala za banjalo, ndi mapangano zotchulidwa kuti vuto la mwadzidzidzi kukwaniritsidwa kwa counterparty udindo wake ndalama, adzakhululukidwa unkayenera kuti ena malipiro zina, alipire kuwonongeka zotheka. Mwachidule, chilango adzakhala masamu, amene umamvera malipiro mokakamizidwa. Inde, chifukwa ngati malipiro kutuluka kwa nthawi, likukhalira kuti anthu amene mangawa ntchito zosayenera ndalama yobwereka. Ndipo kufufuma pa nthawi "adya" mtengo wa ndalama.

Kumene, pali malamulo ntchito chidwi accrual Mwachitsanzo, sitiyenera upambana kufunika kwa mgwirizano, imene malipiro ali overdue.

Nthawi zambiri, mawerengedwe chidwi ziyenera kuperekedwa motere:

SP = SP * CD * 1/300 * CP

Ife kumvetsa zigawo zikuluzikulu za chilinganizo izi:

SP - kuchuluka kwa ndalama;

NW - kuchuluka ngongole pansi mgwirizano;

Cd - chiwerengero cha masiku akale chifukwa;

300 - ndi pafupifupi chiwerengero cha masiku ntchito mu chaka ;

SR - zikugwira ntchito mu dziko mlingo wa refinancing.

Mu mau, chilinganizo Kumwamba, mphindi pamene Mwachitsanzo, linaŵerengera chilango malipiro mochedwa. Palibe zovuta kungotenga mgwirizano wanu, kupeza malo mu izo, limene limafotokoza ndalama zake. Pambuyo kupeza mfundo pa zimene akuchipatala nthawi ya ntchito udindo wanu ndalama. Kenako masamu momwe iwe ngongole wokongoza wanu. Pambuyo kudziwa ndalamazo, kuchulukitsa izo ndi chiwerengero cha masiku overdue, monga mlingo refinancing, kenako kugawa masiku onse 300. Chifukwa, inu kupeza kuchuluka kwa chabwino ake kulipidwa.

Kwa ena owerenga pali funso lophweka: chifukwa m'pofunika kuchulukitsa ngakhale pa mlingo refinancing? Monga ichi chizindikiro, anatsimikiza mtima Bank ku Central, amasonyeza kufufuma panopa m'dziko, kuwonjezera, ofotokoza linaŵerengera ngongole zonse. Komanso ngongole, kupangidwa mu nkhani ya malipiro mochedwa udindo kungakhale salembedwa kuvomereza ngongoleyo, m'pomveka ndithu kulipiritsa kuchuluka zina, kutenga nkhani zochita inflationary mu dziko.

Ngati ngongole boma, inunso kulipira dipo. Yowerengera chidwi pa misonkho analimbikitsa kubala malinga ndi kalata kuchokera ku Unduna wa Zachuma March 18, 2008 N 03-02-07 / 1-106, umene umati ngati simunakhala amalipidwa nthawi wina kuchuluka ndinakubwereka msonkho, ndiye tsiku lililonse kalendala , inu kulipira chilango kwa boma, lomwe ndi kuchita masamu zochokera ngongoleyo. A zabwino kwambiri adzakhala masamu pamaziko a Article 75 ya Tax Code.

Ngati simungathe kuwerengera chilango, muyenera kutembenukira kwa akatswiri. Komabe, si bwino kukhala mochedwa ndi malipiro a mangawa ake, pamenepo padzakhala ndi kuonedwa kuti ndi zilango, amene adzakhala wachisoni kwambiri kupereka, chifukwa, monga inu mukudziwa, musatenge ake, ndi kupereka - mbadwa.