Interest-isina chikwereti kubva muvambi: mhando zvibvumirano, kunyanya

Under mutemo ano, kuti chikwereti chibvumirano chinogona akagumisa pasina mubereko. Ipapo anokwereta havazofaniri kubhadhara mubereko womunhu anomukweretesa. Zvisinei, sezvo akasarudza pamusoro danho iri, zvinokosha kufungawo yakawanda zvinhu. Nyaya ino kutarira zvinhu chisina mubereko chikwereti kubva MUVAMBI sezvauri, uye chii nemigumisiro nebere.

Features

Nokuti vazhinji, musiyano chikwereti uye chikwereti haako. Zvisinei, izvi pfungwa havasi anoreva zvakafanana. Chikwereti - kupfuura vakawanda vanobvumirana tichienzanisa chikwereti. Saka, wokupedzisira - ichi inongova imwe mhando chikwereti. It kunoratidzwa chokuti hazvo zvinosanganisira kufarira nhema chete mubhangi kana rimwe sangano rine yakakodzera rezinesi.

Funga zviri chikwereti.

1. Rinogona riri muchimiro mari uye zvinhu.
2. Pane mukana chibvumirano kuti aite hwaro.
3. The Agreement uchapinda simba kana Kutamiswa pfuma kana mari.
4. Kusiyana chikwereti, asi chikwereti anogona ngaateme mumatare kana kunyange munhu. Zvinonzi ainyanya ichiparadzirwa mu mari. Zvisinei, pane mukana wokupa neimwe nzira. Muchiitiko chino, zvinhu varege kuva mumwe maitiro, asi ivo vakabatanidzwa mamwe maitiro.
5. Duffel zvikwereti kazhinji ndivo priori asiri mubereko kubereka. Zvisinei, nokuti mari, nekusiyana, ruzhinji kwema vari vakaziva nezvibereko. Uye kana asina akataura kudaro, kuti kubva muzana rinowanikwa nevanhu default (refinancing zvazvingava).

Uye mumwe musiyano chinokosha kuti chikwereti chacho Agreement vachaenda simba chete pamusoro kuchinjwa mari kana zvinhu, nepo chikwereti ichaongororwa akapedzisa panguva apo chibvumirano chaiyo nokubatira pasi akasaina issuance mari.

Interest-isina chikwereti kubva wendarama

chikwereti ichi haangosarudzi chimwe chimiro, zvinoratidza kuti mukwereti havazofaniri kubhadhara yechimbadzo kondirakiti. Saka, anofanira kubhadhara chete chitsama kuti yakanga iri muruoko.

Zvisinei, pamaitiro, zvakakodzera kufunga ezvinhu akasiyana. Saka, imwe mubereko isina chikwereti kubva muvambi kunosanganisira mitero pamusoro chikamu anokwereta uye akakweretesa divi. Naizvozvo, izvi zvinhu zvinofanira kufungwa, kuti akanga asina kudaro, kuti kuedza kuderedza mari kwaizochinja guru nokuwedzera nemitero uye haangazvidembi angabatsira.

Huru zvinangwa, zvakabuda kwakadai chikwereti vari:

• muvambi rubatsiro;
• itirana pakati yemakambani;
• rubatsiro rwemari kuti vashandi kana muridzi basa;
• nemari basa mubhizimisi;
• kubatsira shamwari uye mhuri.

Kana mari kwazvo hazvo kuva chibvumirano muna 1000 rubles. Kana mukasadaro, ipapo tanakidzwa kuti kupa mari loaned hazviiti.

Mitero uye mhando zvibvumirano

For kwema kuti atore nzvimbo pakati pasina vanhu uye nomutemo masangano (somuenzaniso, pakati mushandirwi nomushandi), rakanyorwa mamiriro pamutemo zviremera anopa rinokosha kuzvidzora. Pashure pezvose, nzira yakadaro ndeimwe nzira laundering pakati Ndakatengesa zvisiri pamutemo nzira. Naizvozvo, kana imi kuita chibvumirano muna chizvidavirire dhipatimendi vanofanira kungwarira chaizvo, kunyanya dzemaitirwe pakati mitero nyaya.

Huru ngozi kuonekwa neShumiro Finance, iro kufungawo mitero yandiri kubva chokwadi kuti kambani anozobatsira kana musika chimbadzo. Zvisinei, pamutemo zviremera achacherekedza zvikwereti chete kana vari kuitwa Mavhoriyamu makuru uye inosanganisira mazakwatira.

chibvumirano mitero vari dzaona sezvinotevera:

• mutero mari haina inopiwa (kunyange zvazvo pane dzimwe nguva, nyaya iri dzichipesana);
• Personal mari mutero (panyaya kuita pachibvumirano ine dzinongoitika munhu) akatsunga nokuti kuti mukwereti kubatsirwa kubva pakushandisa mari, pasina mubereko;
• Mipiro sots.fondy kwete rwakaiswa muripo hakusi twasu.

Kana mubereko isina chikwereti kuna wendarama haritorwi chinokosha kuzvidzora, nematambudziko kunyoresa, sezvo mutemo, harimuki. Chete ari chiitiko kuti issuance vachaitwa nguva dzose pamwe mari akaenzana uye kwazvo 600 000, mamwe nyaya angamuka.

Zvikwereti vagara zvakakurumbira zvose Implementation yemabasa, uyewo pakati vanhu. Sezvineiwo, maonero yomutero uye jurisprudence kurasikirwa kuti dzinofanira kuzokurukurwa kuitira kuderedza ngozi dzavo kushoma.

Anogona kuva chibvumirano vasunungurwa chikwereti pakati wendarama, sangano, vanhu, uyewo kubva mumuviri uye dzepamutemo vanhu kubva pamutemo munhu.

The chibvumirano pakati vanhu

Vanhu vanogona zvakanaka kugumisa nemumwe zvikwereti sezvo mhindu, uye kufarira-akasununguka hwaro. Zvisinei, vanogona haapfuuri ka50 shoma mubayiro. Asi issuance upi uwandu zvinogamuchirika zvinhu.

Mitero nyore akaverenga pano. Muchiitiko chino, hapana kufarira anofanira kubvumirwa chete nyaya dzisina chokuita basa. Dzimwe zvakafanira kuratidza kuti mapato havana kuwana hwezvokutengeserana tinobatsirwa kutengeserana.

The chibvumirano pakati pamutemo masangano

Makambani Friendly kunogona kubatsira mumwe. Zvadaro, nokuti mutero nemigumisiro akakweretesa hakuitiki. Asi mubvunzo moot nokuda anokwereta.

Saka, pahwaro Chikamu 41 of Tax Code, mutero Zviremera vanodavira kuti somugumisiro chikwereti chacho mukwereti mari ichibudira, sezvo kuponesawo mubereko. Naizvozvo, kuti kutengeserana kunoonekwa sechinhu chisingapembedzwi basa.

Zvisinei, mashoko arbitral chekutonga nevateresi zviremera havabvumirani. Kazhinji hapana regai funga izvozvo basa, saka hapana mari, uye saka hapana kubhadharisa mutero pamusoro purofiti. Naizvozvo, kana vakaongorora kukakavadzana, anogona zvakachengeteka inoshandawo dare kurudyi.

The Chibvumirano pamusoro repamutemo dzinongoitika munhu

Kana boka riri kubudirira, zviri zvikuru kukwanisa kubatsira mushandi wako unokosha, aiva mumamiriro ezvinhu akaoma. Ipapo unogona rakapa mubereko isina chikwereti kubva wendarama. Pamusoro okutambirwa ari chikwereti munhu ari kubhadhara zvaida pachavo mari mutero, uwandu chiri-mumativi matatu mwero refinancing.

Kana anokwereta mushandi, kuripwa mutero kunogona nokuda abate mumwe yakawanda muhoro. Mune imwe nyaya, chizvidavirire ichizviisa zvinyorwa kuti mutero. Ipapo anokwereta inobhadhara mutero tisingatungamirirwi. Kutonga uku kunogona kuva kunze. Saka, kana yacho anoshandiswa kutenga dzimba, mutero chikwereti kunogona kuwanikwa. Zvadaro kubhadhara pachako mari mutero haangavi zvakakodzera.

Kubva private munhu

Zvinogona rakapa kwete chete chibvumirano isina chikwereti kubva muvambi - a repamutemo. Dzimwe nguva Masangano pachavo vari kutendeukira kwachiri kuti kubvira akazvimirira ega. Zvino haufaniri kubhadhara bhangi mubereko. Mumwe munhu angafunga kuti ichi mubereko isina chikwereti chibvumirano pakati wendarama uye sangano iri nyore kuchinja mari. Zvisinei, hazvisi.

zvichaita anokwereta kutakura mutero mutoro. Asi muvambi anogona kuwana vanyanye zvinobatsira. Nokuti pamusika mamiriro kupa chikwereti pasina mubereko - chinhu atypical mamiriro ezvinhu.

Zvisinei, mutero kungadiwa kubudikidza akakweretesa kubhadhara pachako mari mutero. Zvadaro, sezvo chimbadzo achapiwa vakaverenga mwero refinancing.

Chibvumirano isina chikwereti kubva wendarama

The chikwereti anogona wakabudiswa pfupi uye refu. With nepurani yake vanofanira kufunga nuances siyana. Vhiringidza ngaakuitirei pasina kubhadhara vasingafariri. Zvisinei, kana haungopiwi ari chibvumirano, ipapo nokuda default nayo ichakurukurwa muripo, mubereko zvichange mhosva pamusoro payo.

Kugutsikana, uyewo imwe chimiro, havana chibvumirano. Asi hazvo zvinotevera mashoko anofanira kunyorwa:

• rakapa uwandu;
• chaiwo pakunamata musi;
• rairatidza chokwadi kuti hapana kufarira haringapiwi mhosva;
• Nzira kuti akadzika muvambi kudzokera;
• Mashoko mumwe rimwe;
• kana mari iri Kutamiswa mu mari kana zvimwe;
• Zvirango nokuti mukupera mubhadharo;
• mashandiro nokuti kugarwa munyaya;
• zvimwe siyana ezvinhu.

Interest-isina chikwereti kubva muvambi, pamwe chaenga wezvaizogona anogona kuonekwa pazasi, akasikwa makopi maviri rimwe bato. Kana iwe kutumira mari kuti anokwereta anonyora risiti kuti mari yakagamuchirwa, izvo zvinofanira kuratidza yakawanda, zuva magazini uye mashoko ari mapato kondirakiti.

mazwi ose uye mamiriro nesipereti akabuda gwaro, haagoni kupikisana huripo mutemo. Kunyoresa vari gweta hakudi. Asi kana mumwe mapato kana vaviri, vanokundikana unogona kuita izvozvo, zvakare. Zvisinei, maererano nomurayiro vakasaina vemapato yakakwana.

Munhuwo kwokunwa chesungano iri purogiramu pamari yezvikwereti iri kubhadharwa. Paro zvingaratidza uye dzimwe pfungwa dzinokosha.

Chimwe chezvinhu mushandirwi kuti kubata

Sezvo mumwe mapato - a repamutemo, nenzira inozivikanwa kupa vashandi hamugamuchiri mubereko zvikwereti kune wendarama. Migumisiro vakadaro kuti anova CEO ari chibvumirano, uye mumiririri akakweretesa uye anokwereta. Pasi mitemo asingatenderwi. Naizvozvo, kuti vabude ezvinhu, kuti yoga Mutongo kambani havaoni. Pashure chibvumirano ichi chasainwa rimwe havaoni yesangano Zita. Chisarudzo kupa chikwereti chacho kuti aparadzane akanyorwa.

chikwereti Contents

Kuti kugumisa kondirakiti zvomushandi kwakakwana kupa pasipoti kana zvimwe gwaro certifying kuzivikanwa kwake. The Chibvumirano kutaura kuti mashoko pamwe gwaro. Uchapupu mari chaiyo papepa hakusi zvakakodzera, sezvo basa, mashoko aya atova iripo. Panguva iyoyowo, akakweretesa kungada nezvimwe zvinyorwa kuti kutengeserana.

Mushandirwi kupa chero nemagwaro hazvisi zvakakodzera. Kazhinji, izvozvo anosaina ari CEO kana mamwe mukuru mvumo kuita nokuda sangano repamutemo ichi.

Sezvingatarisirwa, chibvumirano anofanira kunyora yakakodzera, kana zvimwe kuratidza mhedziso yake zvaisazobvira, kufanana kuvhiyiwa kuti ndizvidavirire uye mutero kana zvakakodzera. Cash michina harishandiswi issuance, pasi chikwereti nokuripira. Tikiti yebazi iri inokwana.

Ndicho gwaro rinofanira pamwe ane mubereko isina chikwereti kubva wendarama. chibvumirano yokuenzanisira zvinosanganisira zvinhu zvinokosha kuti zvinofanira kuratidzei.

mhedziso

zvikwereti izvi zvinogona rakapa pasina mubereko. Zvinokosha achiwedzera kuti wendarama anogona kukanganwira chikwereti. Zvadaro vaurayiwa imwe yoga chibvumirano pamusoro chikwereti ruregerero.

Usati ukaswedera kufarira isina chikwereti kubva muvambi, migumisiro mutero uye mukana weimwe kuzvidzora kubudikidza vehurumende vanofanira kuongorora. Kana mapepa zvose zviri muhurongwa, rubatsiro namazano nguva dzose zvakanaka, uye kurutivi kuti anogamuchira rubatsiro, uye izvo sezvarinotaura.