Ngati inu simungakhoze kulipira ngongole, kodi kuchita? Tchuthi ngongole. Lamulo "Pa Insolvency (bankirapuse)"

kukongoza msika mu Russia ikukula mosalekeza. chiwerengero cha ngongole sanali kuchita kuchuluka pamodzi ndi izo. Kwakukulu kuchuluka kwa ngongole ndi yaitali pochedwetsa kwambiri, katundu pa kasitomala. Ndi uzingopitirira. Ngati kasitomala si kulipira ngongole kwa nthawi yaitali, izo mlanduwu mlandu wotsutsana naye. Popanda chifukwa chomveka kuteteza malo a pochedwetsa kudzakhala kovuta kwambiri. Kodi kutuluka ngongole?

Memo newcomer

Pamene munthu likukhudza kwa processing ngongole kubanki, ndi za zinthu ndidzabwezera: malipilo, penshoni, katundu mtsogolo. Komabe, zinthu zosayembekezereka zingachitike pa onse. ngongole kuti ndi katundu wolemetsa, m'pofunika kutenga zinthu zina zisanachitike. Apo ayi inu muyenera pachithandara ubongo wawo pofufuza yankho ku funso lakuti: "Ngati sindingathe kulipira ngongole, chochita," Kodi inu amalangiza imeneyi?

Choyamba, musaiwale za ngongoleyo. Ngakhale pakhomo sichikhala kuyitana okhometsa, banki adakali chiwongoladzanja ndi zilango. mbiri Mawu chatsika.

Chachiwiri, musayandikire ogwira ntchito ku banki. Kupanda kutero, inu mwamsanga kugwera mu gulu la zoberana, osati malamulo a boma makasitomala.

Chachitatu, musayese mantha. Inde, sikuti zosangalatsa, ngati ogwira ntchito ku banki kuopsezedwa ndi bwalo. The ngongole ngongole - izo ndi vuto la zachuma. Chonchi vuto si ndendende ayenera apereke ngongole watsopano kulipira chakale. Tiyenera kuganizira pa zokambirana ndi banki musayese mlandu kukhoti.

Kodi kumanga kukambirana?

Ngati alipire ngongole ndi osakhalitsa ndipo chikugwirizana ndi ntchito ya kusintha, ndi bwino kukambirana ndi malipiro atsopano ndandanda. Zambiri pa momwe kukonza tchuthi ngongole, kuwerenga.

Ngati vuto ndi ndalama mwamsanga likakonzeka, m'pofunika kufunsa banki kuti renegotiate mfundo za mgwirizano ndi kupereka zikalata natsimikiza insolvency wa (zachipatala satifiketi, kalata ya kubadwa / imfa, T. E.). Nayonso kufotokozera wa banki ndalama kudzera patapita nthawi. Choyamba, bwino kupempha amodzi a miyezi 2-3. Okhulupirika banki akhoza mlandu chilango ngati kukwanira kasitomala okhulupirika. Pankhani ya kuswa pangano pa zokambirana yatsopano ku banki, inu angaiwale.

kukonzanso

Ngati inu simungakhoze kulipira ngongole, kodi kuchita? Mungayesere kukambirana ngongole kukonzanso, kapena "bwererani" wa zinthu pangongole. Mfundo kugwira ntchito ndi chimodzimodzi. Tili kutsimikizira mfundo za insolvency a banki pa zifukwa zabwino, kufotokoza kumene ndalama idzakhala pa nthawi. Mawu a bungwe liri chidwi obwezeredwa a. Ngati banki kumvetsa kuti akukumana ndi ovomerezeka kasitomala, mudzakhala kuchepetsa malipirowo, ndipo adzapatsa moyo wa mgwirizano.

The chifukwa cha kukonzanso amadalira mbiri munapangana ndi kulingalira. Ogula ngongole ku 20 chikwi. Opaka. kuwonjezera ntchito kwa zaka 3. Makamaka ngati tikhala kudziwika kuti gwero la ndalama adzakhala watsopano ngongole.

ngongole tchuti

Ngati inu simungakhoze kulipira ngongole, kodi kuchita? Imodzi mwa njira zothanirana ndi vuto angakhale kapangidwe "ngongole tchuthi." Ndi chiyani icho? Official kutanthauzira kwa mawu si alembedwa mu gawo lililonse la malamulo, koma mabanki zambiri ntchito kulankhula ndi kasitomala. Tchuthi ngongole - ndi kuchedwa kwa malipiro pa ngongole, ndi Baibulo la alipire ndandanda wa ngongole. utumiki amaperekedwa yekha ngongole nthawi yaitali (zanyumba ndi ngongole galimoto). Lamulo "Pa Insolvency (bankirapuse)" amapereka yachiwiriyo a "ngongole tchuthi." Aliyense wa iwo ali ndi makhalidwe yake.

Malizitsani kuchedwa alipire ngongole popanda kusintha mfundo za mgwirizano anapereka kamodzi kwa nthawi yonse ngongole, ndipo nthawi zambiri chifukwa amalipiritsa. Maziko awa "maholide" ndi zifukwa zabwino, zimenezi document- zimasonyeza: kuwonongeka kwa thanzi, kuchotsedwa, etc ...

Bank ndi yopindulitsa kwambiri kupereka kasitomala tsankho akuchedwa kupereka ngongole, loperekedwa ndi alipire chidwi pa ngongole ndi nthawi yake. Service zingakhalepo kawiri pa nthawi ya mgwirizano, koma osati miyezi kale kuposa 3 pambuyo mapeto ake. Popeza chidwi amapanga mbali yaikulu ya malipirowo, malipiro lenilenilo yafupika pang'ono. Ngati nyengo ngongole si anawonjezera, ndiye, pa mapeto a "tchuthi" pamwezi umachuluka malipiro kuchuluka. Mu zinthu zonse, kuwonjezera overpayment okwana pa mgwirizano.

Kodi kupanga mwamsanga?

"VTB" tchuthi ngongole amapereka atalandira umboni wa mavuto a zachuma. Mabungwe ena kupereka kulowa usilikali chifukwa kasitomala, koma amalipiritsa. Momwe kuti "VTB" ngongole tchuthi? Muyenera kusonkhanitsa ndi kupereka kapitawo ngongole ndi zikalata natsimikiza mavuto azachuma, ntchito kwa malipiro ndi mtsogolo. Atalandira kusankha zabwino kusaina mgwirizano zapadera pa kusintha kwa zinthu pa ngongole.

"Kupumako" kungakhale yankho osakhalitsa, ngati mwatenga ngongole sangathe kulipira ngongole nthawi. Koma mawu a utumiki ayenera kuphunzira mwatsatanetsatane kuti tilowe mu ukapolo latsopano.

ngongole dzenje

Ngati inu simungakhoze kulipira ngongole, kodi kuchita? Chinthu choyamba chimene muyenera kukhadzikika ndi mwini yokhudzana ndi banki.

Ngati kwambiri cha ngongole, muyenera kuwasonkhanitsa chimodzi, kuti abwezere ngongole kamodzi pamwezi ndipo musati kudziunjikira chilango. Mukhoza kulimbikitsa ngongole ndi mabungwe ena ngongole. Komabe, wokongoza latsopano Pakufunika phukusi akuluakulu zikalata ndi kulipira utumiki.

Musati kusokoneza refinancing ndi kutenga ngongole watsopano ndalama. The utumiki choyamba amaperekedwa kuchepetsa katundu ngongole. Kasitomala amalandira ngongole watsopano pa mitengo m'munsi chidwi makamaka kwa alipire za mangawa akale.

Lamulo "Pa Insolvency (bankirapuse)" amatipatsa kuti ina akhoza kugulitsidwa. Ndi bwino ngati wobwereka adzatenga stepi ino mwaufulu. Apo ayi, banki amagulitsa katundu kwa theka la mtengo msika.

Muyenera choyamba awadziwitse ngongole bungwe la kulandidwa. Ngati yonena za makasitomala kuchichepetsa banki kutumiza nthumwi pokonza ndikupeleka. Palibe cholakwika ndi izo. Mawu a bungwe liri chidwi kuthetsa vutolo. Katswiri wina akuthandizeni kupeza wogula ndi zikalata lathunthu ndikupeleka.

Ine musati mupereke ngongole: zikugwirira

The ngongole ngongole - izo ndi vuto la zachuma. Kuthetsa zovuta, koma n'zotheka. Chinthu chachikulu - musataye. Kodi chimachitika n'chiyani ngati mulibe kulipira ngongole konse?

Ngongole Adzadzipezera ngati snowball a. Pasanapite nthawi yaitali, chidwi, zilango ndi thupi ngongole adzakhala upambana ndalama. Arrears ndaika kuti ukalamba.

Pasanapite nthawi yaitali, gombe adzakhala kulankhula. Choyamba, ndodo adzaitana pakati kuitana kenako akatswiri. Cholinga chawo - kuti kubweza. Okhometsa ntchito njira amtopola ntchito: kuitana guarantors, kugwira ntchito, kusiya mauthenga anzanu Intaneti.

Kodi chimachitika n'chiyani ngati mulibe kulipira ngongole konse? Pasanapite nthawi yaitali, nkhani amapita ku khoti. Ngati pangano mwamtendere analephera, zifukwa zomveka la kuchedwa ngongole, ndiye kuthana ndi chilamulo mu bwalo zambiri amapanga sazindikira. ndalama zonse zimene zikuchitika kudzasiya kwa wozengedwayu. Pambuyo chigamulo cha chilamulo bwalo fotokozani chuma icho mmwamba kwa yobetcherana kwa zogulitsa.

mayesero

Chinthu china, ngati chifukwa ngongole yatsoka zolondola. Kukhala ndi lipoti zachipatala pa kuwonongeka kwa thanzi, kapena buku la dongosolo la kuchepetsa angathe ndipo ayenera amanena ufulu wawo ku mabanki. Ngati bungwe ngongole satenga zikalata zimenezi, ndi bwino kupita kukhoti paokha. A loya woyenera angathandize ndikutsutsa zofunika banki a. Pali chinachake cholakwika. Insurance amalowerera ndalama mokondera mkulu, ndi zikalata cholakwacho. Pofuna kuteteza ufulu wawo mu bwalo, ndi kuleza mtima. Khotilo akhoza kuchepetsa kuchuluka sonyezani mwa 50%, ndi zinzawozo wotsutsana kupereka zosaposa 20% ndalama mwezi kubweza ngongoleyo.