The mawerengedwe chidwi pa ndalama anabwereka - nsonga

Kuthana ndi womanga oipa, mwatsoka inu zambiri. The malamulo a Federation ndi Russian akumufunsira azilipira imfa ya mwayi kuti achire kuchuluka kwa defaulter ntchito molakwika chuma lachitatu chipani. Kodi kuchita mawerengedwe chidwi pa ndalama abwereka, zimene zimafunika mphindi kwambiri pa nthawi yomweyo kuganizira, limene malamulo kumanga - zonse izi mudzapeza nkhaniyi. Komanso adzakhululukidwa masamu chitsanzo chapadera.

Kodi ntchito ya ndalama anabwereka

Chilengedwe malonda masiku ano nthawi zambiri zinthu zimachitika ngati molakwika katundu wina, makamaka ndalama. Ndi milandu monga:

• Kuchedwa kupereka receivables.
• Mochedwa kubwerera cha ngongole ndi Kuyamikira.
• Wrongful posungira poponya kapena olakwa analipira ndalama.

The Code Civil (CC) pa ndalama anabwereka amatsatila Article 395. Malinga ndi nkhani imeneyi, muyenera kulipira kuchuluka kwa ntchito molakwika chuma lachitatu chipani, chifukwa akuchedwa malipiro kukhala kosatheka kwa Party kuti anapereka chuma, ndi kuchotsa kumalipiro awo, kaya anabwerera pa nthawi.

Kulunjika ndalama pamene iwo ali mmbuyo, inu adzapatsa kuwonjezeka, ziribe kanthu momwe mwini ntchito iwo. Ngakhale Kungoti anaikidwa banki, izo ndi kuchuluka. Choncho, zomveka kuganiza kuti obwezeredwa inayenera kukhala mu wokulirapo. Yekha ndi mgwirizano, amene alembedwa mu pasadakhale chikhalidwe cha ntchito zosadziwika.

Kuti mawerengedwe, m'pofunika kuti anthu amvetse mfundo zina zofunika: momveka bwino nthawi imeneyi amene udzabala chidwi, mwachitsanzo tsiku yomwe mlandu ndi tsiku akamaliza njira adzapereke, ndi chiwongola dzanja ndi ndondomeko mawerengedwe a.

Kudziwa nthawi imeneyi kuyamba tsiku

Ngati ife zichokera kwa Tinganene chiyambi nawuza chidwi ayenera kukhala tsiku lotsatira pambuyo counterparty kwanu osati kukwaniritsa udindo wake kwa inu. Tiyeni tione chitsanzo. Amakhala pa kulipira katundu 31.7.2015, koma wogula analephera kulipira. Choncho, ufulu kuyamba chiwongoladzanja pa arrears amachokera 01 August.

Zimachitika kuti mgwirizanowo silitchula tsiku lenileni la malipiro, ngati malipiro kwambiri kapena pachithunzichi ndalama, mmene kudziwa nthawi chifukwa cha phindu chidwi? Pankhaniyi, zochokera pa tsiku la akumufuna. Izi zikutanthauza kuti wokongolayo chofunika kuti ndibweze ndalamazo mu sabata kuyambira kale, pamene iye wadwala pempho kwa malipiro. Tsiku lachisanu ndi chitatu mukhoza bwinobwino kuchititsa ndi mawerengedwe a chilango ntchito ndi oletsedwa ndalama zanu.

lamulo ayenera kulemba, ndi zofunika kuti munali ndi mawu chakuti wamangawa walandira chikalatacho.

Kudziwa tsiku kagawo kutsekedwa

Chidwi mawerengedwe kumachitika nthawi lonse kufikira counterparty amalephera kukwaniritsa udindo wake. Mwachitsanzo, mu chitsanzo chathu, wogula wapanga kuchuluka koyenera nkhani ya gulu lako 08.08.2015. Choncho, chidwi adzakhala accrued nyengo kuchokera August 01 kwa August 8.

The chiwongola dzanja

Malinga ndi malamulo, kuchuluka kwa ndalama anabwereka ankafunika kuchita masamu pa maziko a mlingo refinancing, panopa pa nthawi ya ntchito ya udindo wa. Pa September 14, 2012 anavomereza kuchuluka kwa 8.25 ndipo kuyambira sichinayambe yantchito. Choncho lingalirani chidwi muyenera pamaziko a mtengo uwu.

Zofunika powunikira. Article 395 choyamba ndime malamulo kubwera mu mphamvu zokha pamene magulu kuti mgwirizano ndiribe anawerenga chiwongola dzanja mu mawerengedwe a ndalama pochedwetsa oletsedwa. Ngati maphwando kuti mfundo imeneyi pangano moganizira, ndiye mawerengedwe wapangidwa pamaziko a mitengo chinanena chikalata, osati mlingo refinancing moyenera, ndi ndalama kuti zimasiyana.

Ifenso mawerengedwe

Tiyeni tsopano timachita ndi mawerengedwe chidwi ntchito ndalama yobwereka. Tingayerekezere kuti ngongole kwa katundu anakwana 100,000 rubles. moyo utumiki wa masiku atatu. 100 000/100 * 8,25 = 8250 rubles. Izi ndi kuchuluka kwa chaka, ndipo tiyenera kuwerenga masiku 8. Malinga ndi malamulo, kuti mawerengedwe chidwi amaganiza kuti masiku 360 chaka, kotero 8250/360 * 8 = 183.33 rubles.

Kapena angagwiritsidwe ntchito kuwerengera chilinganizo osiyana:

SummaProtsentov = (StavkaRefinansirovaniya * SummaDolga KolichestvoDneyProsrochki) / 36000

Timakhulupilira chilinganizo izi: (8,25 * 100000 * 8) / 36000 = 183,33 rubles. Gwiritsani ntchito mawerengedwe njira kuti inu kupeza zovuta.

Pa intaneti mukhoza kupeza toŵerengera wapadera kuti mwamsanga kuchita mawerengedwe chidwi pa ndalama yobwereka. Inu adzafuna kulowa tebulo wapadera kuchuluka kwa ngongole ndiponso nthawi imene inakhalapo. The mawerengedwe imagwiridwa yomweyo. Mudzaona osati kuchuluka komaliza, koma kuchuluka patsiku la kuchedwa monga kuchuluka ndi rubles.

The aone kuti pali womwewo masamu chilango pa misonkho chindapusa, ngongole misonkhano zofunikira ndi ndalama zina. Kudziwa chilinganizo zimenezi kudzakuthandizani kuti paokha kutsimikizira kulondola ya mawerengedwe kuchuluka kwa ndalama pa ngongole zanu.

zikalata zolimbana

The mawerengedwe chidwi pa ndalama anabwereka wayikidwa angapo zikalata normative:

• zofunika kwambiri chikalata - pa Civil Code, Article 395;
• kuyamba wa imeneyi nthawi mawerengedwe peresenti akonzedwa malinga ndi makonzedwe a Article 191 CC RF;
• mapeto a nthawi imeneyi chidwi accrual ndi deta ndi tsiku kwa chaka cha kuwerengetsa ndi chiwongola dzanja la Bank ku Central la Chitaganya cha Russia udzakhazikika ndi Watsimikiza 08.10.1998, nambala 13/14, amene kupelekedwa ndi Plenum za Supreme Court ndi Supreme chigamulo Bwalo la Russian Federation ndi 316 statyaGK;
• angalongosolere ndendende chomwe chiwongola dzanja kutsogoleredwa, ali mu chiweruzo cha 01.07.1996, nambala 6/8, amene kupelekedwa ndi Plenum milandu kubwalo la Supreme ndi SAC;
• kwa deta mlingo refinancing uli pa webusaiti ya Bank ku Central la Chitaganya cha Russia.

Pa mawerengedwe peresenti anabwereka ndalama muli mfundo zina zabwino kwambiri ndipo subtleties, koma nthawi zambiri nkhani mwachindunji pamwamba, adzakhala okwanira poyera counterparties ndi ndalama kusonkhanitsa ndalama.