The zotsatira za bankirapuse munthu wachibadwa: magawo a ndondomeko, zikalata

October 1, 2015 kunali chochitika malamulo amene amapereka chiyembekezo kwa chikalata yabwino ya zinthu kwa anthu amene amavutika ndi mavuto azachuma - analowa mphamvu pa Chilamulo Federal wa 29.12.2014, № 476-FZ "Pa kusinthidwa kwa Chilamulo Federal" Pa Insolvency (bankirapuse) "(hereinafter - Chilamulo). Mogwirizana ndi kusintha nzika amene sali amalonda munthu, ndapeza ufulu kunena kuti, pa zochitika zina, bankirapuse. The bankirapuse wa munthu payekha potukula wolemera, ndipo koposa zonse, chilolezo malamulo sizachilendo pa vuto lero, pamene mphamvu ya zochitika wamangawa ndi analephera kubweza ngongole umodzi kapena kuposerapo. Koma kodi yosavuta ndondomeko ya bankirapuse, nanga zotsatira weniweni wa bankirapuse munthu zachilengedwe?

Amene akhoza dipo

Anthu opanga malamulo bankirapuse Ndondomeko nzika poyamba pathupi ngati njira angakwanitse kuthetsa mavuto azachuma. Komabe ganizirani bankirapuse monga njira yapafupi kuti amuchotsepo ngongole ya bungwe ngongole, kungakhale kulakwa. Uchitike, ayenera zikhulupiriro kuti si ntchito pa bankirapuse wa anthu thupi kulandiridwa ndi kuonedwa ndi bwalo. Malinga ndi Chilamulo Federal, ndi ngongole, chiyambi cha ndondomeko bankirapuse akhale sonyezani pa ngongole kwa miyezi itatu ngakhale kuti ngongole kapena chiwerengero - 500 zikwi rubles ndi zambiri. Komanso, pa siteji ya kugonjera ntchito kuti akatsimikizire kulephera kwa wokongolayo, mwachitsanzo linalephera kupereka ngongole paokha.

Mwazina, tsogolo ayenera kupereka zinatha mothandizidwa ndi zalembedwa zokhudza ndalama zawo, ndalama, katundu monga umboni kudzikayikira zawo.

Amene wayamba bankirapuse munthu wachibadwa

Kuwonjezera wokongolayo kufunsira bankirapuse mwina bungwe lokha ngongole. Ngati angongole angapo, inu kuzindikira munthu zinatha n'zotheka osati nkhani ya sizilephereka mtheradi kulipira ngongole, koma pansi pa chikhalidwe cha ngongole mmodzi wa angongole wa defaulter akanati kumana n'zotheka kukwaniritsa udindo zina ndalama.

Nthawi yapadera, chilengezo cha bankirapuse munthu chachibadwa sangagone kuyendera msonkho.

Kodi kuyamba bankirapuse Kuthi anthu thupi

Kodi inu yambani bankirapuse anthu? Mchitidwe njira yotero ya lero si opondapo, koma ndi kale zotheka kuti muzindikire kuti apite zinatha - ". Yaitali ndipo mtengo ndi"

Nthawi zonse bankirapuse anthu komanso amalonda malonda amaonedwa m'bwalo chigamulo. Lamulo kukhazikitsa kwa miyezi itatu, imene bwalo anapereka bankirapuse anthu. Khalani limasonyeza kuti ndondomeko akhoza litenge kwa miyezi yambiri chifukwa cha mmene zinthu.

Komanso, bankirapuse ndondomeko yokha angakwanitse kuti aliyense. Kuwonjezera chindapusa kuvomerezedwa bwalo ndi kulipira ntchito loya, ndi ngongole kulipira ndalama za ntchito ya ulamuliro ndalama.

Choncho, pamene bankirapuse kale mosalephera anthu, malangizo pa zimene angayambitsire ndondomeko kuzindikira zinatha zotsatirazi:

• ndondomeko lamulo lililonse akuyamba njira yomweyo - ndi Kutengera a ntchito. Mu ntchito kwa bankirapuse chofunika kuti musankhe zinthu zotsatirazi.
• Kuchuluka kwa ngongole ndi kulongosola mwatsatanetsatane zigawo zikuluzikulu zonse (ngongole ndalama, chidwi, kulandira misonkho, ngongole pa ngongole zofunikira, etc.).
• Onani kuti munthuyo si wazamalonda payekha - m'pofunika kutsimikiza kalata ku ofesi yokhomera msonkho.
• Onani kuti zonse ndalama unatengedwa pa ngongole si zolinga malonda.
• Kufotokozera za chuma wogwila - ali kunatanthauzanso angagwirizanitse zikalata akuthandiza. Kwa bankirapuse anthu thupi kuti mwachindunji mauthenga pa ndalama zilipo wamangawa pa mphindi, ndi ndalama mosalephera.
• Data pa amadalira (mwachitsanzo, zazing'ono ana a wokongolayo).

Komanso, maloya analimbikitsa kulongosola mwatsatanetsatane mawu (ngati pali zinthu zikatero): kuchepetsa ntchito, kulumala (kulandira kulemala) ndi zinthu zina kuwonongeka kwa zinthu ndalama. Kumene, mfundo zimenezi ziyenera kugwiritsidwa zikutsimikiziridwa ndi zikalata zogwirizana. Pakuti bankirapuse munthu wachibadwa n'kofunika kuganizira zinthu zonse zimene wamangawa ndi analephera kubweza udindo onse ngongole.

Natural munthu, imayamba bankirapuse, muyenera kusamalira umboni zopelekedwa udindo wake unenviable ndalama. Choncho, pofuna kuganizira mfundo zonse, makamaka zinthu mokomera wokongolayo, malangizo chachikulu - musati skimp pa mautumiki a loya.

Siteji yotsatira, zomwe zikuchitika pa bankirapuse wa anthu thupi - bwalo adzakhala kusankha woyang'anira chuma. Zonse zilipo angongole kuchokera pano anatumiza zidziwitso mwamwambo chabe chiyambi cha ulimi wa Kuthi ndi bankirapuse, kuwapatsa mpata ndiponso mwayi kwa Kukwezeleza amafuna ngongole.

Financial (mpikisano) kulamulira

chipani china nawo bankirapuse wa - Officer Financial.

asiya uphungu wake anagonjera bwalo anapempha ngongole ya. Ntchito yaikulu ya ulamuliro wa - ngongole kukonzanso. Koma, kuwonjezera, bwana ndalama kukhala Khadili Cholinga ndi kupereka mauthenga wokongoza pa ntchito zachuma, chuma ndi ndalama za wokongolayo. Ambiri, mphamvu za ulamuliro ndalama si zokhazo. Pali ntchito ina yofunika - kuchotsa kuthekera fiktovnogo kapena mwadala bankirapuse. Popeza kuti cholinga cha ulamuliro wa, wotuluka onse olamulidwa ndi wokongolayo. Aliyense wa iwo, kuphatikizapo pogwiritsa ziyenela kuvomelezedwa ndi bwana ndalama.

ntchito Financial (mpikisano) wotsogolera wamangawa kulipira m'thumba. Mtengo wa chithandizo kwa mphindi - kuchokera rubles 10 000 pamwezi. Plus, pambuyo akamaliza njira bankirapuse, mphamvu za amalandira 2% kuchuluka kwambiri. Kulipira awa - udindo wa wokongolayo.

Mmene angathetsere vuto ndi Kuyamikira ndi: ndi kukonzanso, pangano Pamudzi, kukwaniritsidwa kwa katundu

Nzika zake zonse zinatha kuzindikira ndondomeko mwina monga njira zotsatirazi:

• Ngongole kukonzanso.
• Sale amangawa kulipira (kapena tsankho kukhutitsidwa) arrears.
• pangano kuthetsa ovomerezedwa ndi bwalo.

The yamasika kwathunthu zotheka Komabe, sikuti m'manja pakati pa zipani ngongole akhoza kubwera kwa iye. pangano Ndizachidziwikire pokhapokha likuthetsedwa kwathunthu zofunikira za woyamba, ndipo pambuyo Gawo lachiwiri la ndalamawo.

Yankho ambiri vuto ngongole ndi ngongole kukonzanso , ndi (kapena) kulanda katundu ku wamangawa zinatha kukhazikitsa. Monga ulamuliro, izo zoperekedwa kwa kusintha ngongole mu malo oyamba. Ngati wamangawa akuvomera izo, wasenza dongosolo kukonzanso, lomwe lafotokozedwa akuchedwa ndondomeko, kuchuluka kwa ndalama m'mwezi ngati n'kotheka, zimene amayenera kubweza ngongoleyo ndiponso zinthu zina.

Zofunika: m'kati kukonzanso chiwerengero cha ngongole akhoza pang'ono yafupika. Koma kwathunthu "kuletsa" ngongoleyo sizigwira ntchito.

Ngati kukonzanso pazifukwa zina inefficient mu Ngongole anagwira ndipo anagulitsa malo amene ali chuma cha wokongolayo.

Ndipo kubisa chuma (komanso bankirapuse mwadala) wa ngongole amapereka weniweni udindo pa chigawenga, kulola kwa zaka zisanu ndi chimodzi m'ndende.

Kodi chuma ndi asamangokhala ku zinatha?

Kulanda ndi kugulitsa wotsatira pa chuma - ndi mosalephera zotsatira za bankirapuse munthu wachibadwa. Komabe, si onse akhoza kupita pansi nyundo. Chilamulo mosamalitsa n'chiyani, si nkhani kulanda:

• The pogona yekha wa wamangawa ndi banja lake, kuonjezerapo dziko lomwe anamanga. Kupatulapo ngati mawu ngongole nyumba ali m'gulu ina.
• Chakudya ndi mafuta zofunika Kutentha ndi kuphika.
• Cash ndalama zofunika kwa yokonza wokongolayo, kutenga nkhani amadalira onse, omwe wokongolayo chofunika kukhalabe (mtengo wa moyo).
• Katundu anafuna kuti ntchito ntchito (katswiri).
• Ziweto za thupi wokongolayo, kuphatikizapo ziweto ndi malo kwa malawi ziweto.
• zipangizo zoyendera magetsi zoweta
• Mphatso, mphoto, mphatso, ndipo mipukutuyi chamadzulo.

Pakalibe nkhani chuma ngongole kulanda

A ochepa akhoza kumva ndi bankirapuse munthu wachibadwa, ngati palibe malo amene akhoza anazindikira kuti ngongoleyo. Pakali pano, chigamulocho malamulo kwambiri yosokoneza zinthu ngati izi, kuti njira yokhayo, monga chiyenera kuchita Pankhaniyi bwalo kulibe. chinthu chimodzi momveka bwino: zopanda katundu silichotsera ndi ngongole ngongole. Tikanena za insolvency pa chuma ngongole popanda zina zotsatira zonse mosalephera wa bankirapuse munthu wachibadwa.

Komanso, malamulo amapereka kwa woyang'anira zachuma ufulu kufufuta kapena kutsutsana ndikupeleka wa wokongolayo, ndi chifukwa kuti chuma analola kuti kuchotsedwa, mulole mudzabwezedwa kwa zinatha.

Zotsatira zoipa bankirapuse

Kusankha za khoti "zinatha" nzika anagula kwa zaka zisanu. Amaganiza kuti nthawi imeneyi munthu angathe ndipo ayenera kuthetsa mavuto a zachuma. Kachiwiri kuyamba ndondomeko kuzindikira zinatha mu zaka zisanu, ndi ngongole sangathe. Kupatulapo pamene ntchito kuuzenga ndi bwana ndalama kapena thupi ovomerezeka.

Akupsya afika madalitso ambiri: ngongole m'munsi mtsogolo ndalama, pakalibe milandu la zilango zosiyanasiyana ndi chidwi pa ngongole alipo. Pa nthawi yomweyo palinso zotsatira zoipa za bankirapuse munthu wachibadwa:

1. Patatha zaka zitatu pambuyo udindo zinatha zoletsedwa kulembetsa mwalamulo la bungwe lalamulo, mayina monga wazamalonda payekha, kuti otengapo mbali iliyonse pa kayendetsedwe ka anthu malamulo.
2. Chiletso ulendo mpaka mapeto a kukhazikitsa malo anagwira.
3. Choyenera kuti afotokoze odetsedwa, ngati nzika za ati kamodzinso thamo kwa bankirapuse nthawi.

Bankirapuse - mmene wolungama?

mfundo zimene tingaphunzire kuchokera onse a pamwamba? The FZ motsimikizadi komabe pali zolakwika, ngati aliyense "atsopano" lamulo. Kuthetsa zolakwa za kusintha kusintha kwa zinthu zenizeni ndi zotheka ndi nthawi, nthawi kudziwika "monyanyira" kuchita.

Koma ngakhale tsopano, maloya analimbikitsa kuti mantha ndondomeko bankirapuse. Ngakhale nthawi kuchotsa mangawa onse ndi kulengeza bankirapuse, sizigwira ntchito, ambiri mwayi bwinobwino ngongole alipo Mwina bankirapuse anthu. Reviews a bankirapuse osokoneza. Mokomera bankirapuse ndondomeko ya kuzindikira akuti mwayi weniweni kuti malipiro chigawo pa ngongole ndi luso kuchepetsa ngongole 50%. Pa chikalata bwino zinthu bankirapuse n'kopindulitsa kwa magulu onse ngongole ya.

Koma m'pofunika tione, kuyambira bankirapuse anthu, amakambirana akatswiri azachuma, amene si choncho tisafooke. Polingalira za ndalama olimba kulipidwa okha khalidwe la ndondomeko, ndi zovuta mu lamulo la feduro, zachuma ndi akulangizidwa kuti amatchula bankirapuse monga njira yomalizira kuthokoza mavuto - pamene kusankha si. Akuti munthu moonadi bankirapuse okhawo amene okwana mangawa akuti mu mamilioni.