Kukarukureta pamusoro Zvirango kubudikidza mhando contractual ukama

Panguva dzakasiyana mamiriro ezveupfumi kazhinji pane zviitiko kunaka chokupika mitoro. Mumwe zvakafanana zvigadziriswe yaibvumira kushandisa contractual ukama makabuda dzazvinogara mirango, vari mhando huru mutongo, Zvirango uye fines.

Kumurango, pasi mitemo ano, ndiyo nzira kuitira kuzvipira. Mupfungwa iyi, chinoratidza pacharo nenzira yakadaro ine rubatso, zvirokwazvo, dhipoziti yacho Lien. Pakati apa marudzi rutsigiro mitoro mubayiro zvichida ndiyo nzira inonyanya nevakawanda zvebhizimisi. Kutsunga marangirwo rakapiwa munyaya. 330 of Civil Code, umo sevanhu anosimbisa mitemo nemari bhadharika nokuda ngava mukweretesi kuti kukundikana kana mabasa zvisina kufanira contractual sungiro aivapa.

Zvikuru wakajairika kuoma pakuverenga kumurango, kufungisisa dzakananga ezvinhu asiri kuzadziswa contractual ukama. Pano zvakafanira kuti chokutanga zvinotevera funga. Kazhinji, mutongo kukarukureta yakaitwa maererano yezvakaita mamiriro ezveupfumi, izvo zvakagoverwa nokuda chibvumirano kana izvo dzinotungamirirwa mumutemo ano, kana chibvumirano chinoshayikwa kana asingagoveri dzakananga zvirango kuti vaita kwayo kukodzera. Somuenzaniso, nokuti kunonoka kuurayiwa uchitanga mabasa chirango mabasa inounganidzwa maererano zvinoshanda mutemo, kureva Art. "On Protection yevatengi 'Rights 23 Act. Utongi ichi iroro kuti mutongo anofanira kubhadharwa ari mwero 1% mari basa rimwe zuva kunonoka. Naizvozvo, kana waita kutaura munofanira pachena anoratidza musi mukutanga kunonoka kuurayiwa Kurongeka uye musi kupera.

The zvakasiyana-siyana zveupfumi basa rikasarudza kuti kukosha mhando marangirwo uye mutongo kukarukureta varipo vazhinji. Somuenzaniso, dzemaitirwe chirango kupfuura refinancing mwero rinopa ruzivo parameter ichi, icho wakasiyiwa Central Bank. Panguva iyoyo kuRussia refinancing mwero iri 8% uye kunoratidza chimbadzo panguva iyo zvikwereti zviri rakapa. Tichishandisa nzira iyi, unogona kuverenga chirango dzakasiyana-siyana mhando contractual ukama.

Somuenzaniso, mutongo kukarukureta pakati chikwereti chacho chibvumirano kunoda kuti chitsama mubereko mubayiro akaenzana kukosha chigadzirirwe nguva iri refinancing zvazvingava, kana kusingajekeswi mamwe mamiriro ezvinhu ari kondirakiti. Pano zvakafanira kufunga kuti kana chaiyo izwi iri chikwereti haina kunyorwa chibvumirano, dzemaitirwe rinoitwa kwakavakirwa zvimiso kugamuchirwa mazuva mumwedzi 30, uye mazuva pagore, akaenzana 360.

Uyewo chikuru refinancing mwero rinowanikwa uye mutongo pamusoro chikwereti. The yemaitiro nokuti chikamu mutongo achazviisa sezvinotevera: x H = L X SD PAGE, sezvamakaropafadzwa:

H - pena kukosha, R - Mazuva nonoka, p - ukoshi refinancing.

Dzemaitirwe yevateresi Zvirango yaishandiswa zvaiva kukosha ukoshi 1/300 zviri refinancing. Nokudaro, nzira inova: H = SD X L X 1/300 X PEJI.

Maererano st.424 Civil Code akaita mutongo kukarukureta pasi romugove chibvumirano, zvakafanana zvokudya pamusoro Guidelines apo pakuverenga Zvirango kuti kutengeswa uye kutengwa zvibvumirano. The peculiarity izvi zvinhu kuti haatarisiri pasi mumwe kutaura kuti Kudzimwa chesungano. Kuti vanoti pena yakakwana vhidhiyo uchapupu kuti chinangwa zvinoratidza kuti iwe nezvokudzokera Executive kuti waive pakusununguka. uchapupu kwakadaro kunogona kuva risiti kutumira vakanyoresa tsamba, teregiramu nemamwe mashoko.