Nzira yekugadzira risiti zvakanaka. Muenzaniso Wokubhadhara Fomu

Kunyange zvazvo panguva ino hazvisi zvakaoma kuwana chikwereti kubva kubhangi kana kuti microcredit organization, vazhinji vagari venyika vachiri kuda kukwereta mari kune vanhu vepedyo kana zvichidiwa. Zvinonzwisisika, zvivako zvekutengeserana zvinoda zvimwe zviito, kupiwa kwemarudzi ose ezvinyorwa, uye mushure mokudaro vachaomanikidza kudzoka pamwe chete nemutengo mukuru wechikwereti mari yekushandisa mari. Kubhadhara kubva kune shamwari, zvose izvi zvinongororwa zvinokonzerwa nehurumende zvinogona kuregererwa, uye vhesi yepamusoro yevanhu havazobhadhara chikwereti. Panguva imwe chete, usati waita mari, munhu wese anokwanisa kupa chikwereti anofanira kuziva kuti angagadzira sei risiti zvakanaka. Hasi zvinyorwa zvose zvakadaro zvakabudiswa zvinogona kuendeswa kumatare ekutora zvikwereti.

Receipt

Mari yezvikwereti haibatsiri kune vanhu vose, vamwe vanokweretesa kune hama, iyo yekupedzisira kune vamwe vavo. Kana chikwereti chechikwereti ichocho chiduku, mapato anobvumirana nenguva yekudzoka kwayo, kazhinji inoitika mumuromo. Asi kana iyo yakawanda yakakura, saka kuitira kuti vatsigire njodzi dzayo, uyo anokwereta anoda kuti munhu ane chikwereti apiwe rugwaro rwechiratidzo chekuendesa kwemari uye chekuita kuti avadzose. Nokudaro, mubvunzo wevagari vemazuva mazhinji unomhanyira zvakanyanya: "Nzira ipi yekururamisira zvakakodzera risiti?"

Kambani kana kutambira?

Riti risiti rinourawa uye chibvumirano chezvikwereti hachisi chaicho chakasiyana nenzira ipi zvayo. Izvozvo zvinowanzova nevagari vemazuva ose, apo mari yevakweretwa mari yakakura zvikuru. Zvadaro vanozoita kuti vagadzire rugwaro urwu kune vanyori. Kusiyana nechibvumirano chechikwereti, risiti inowanzotorwa mumamiriro ezvinhu apo murongwa wekutaura kune ngozi kune zvinokweretesa chikwereti, zvinokanganisa kubhadhara mari, uye kushandura kunyoresa hazvina kukodzera nekuda kwekusava nemari yakawanda. Hasi vhetiyiti yose ichakuudza kuti iwe ungaita sei mari yekugamuchira mari pasina, nokuti ichave yakabatsiririra iye kuti aone chibvumirano uye awane mari yacho.

Legislative basis

Murairo weRussian Federation wakapa mukana wekugonesa kubhadhara chikwereti nemunhu anokweretesa kune akakwereta. Kunyanya, Chitsauko 808 che Civil Code yeRussia Federation inotaura kuti chibvumirano chechikwereti chakapedzerwa pakati pevagari vese chinofanirwa kunyorwa mukunyora. Zvisinei, izvo zvinotarisirwa zvinongowanikwa chete kwekutengeserana kwakadaro, iyo yakawanda inopfuura kudarika gumi zvakagadziriswa panguva yekukwereta kwemari mudiki (SMIC).

Mukuwedzera, mutemo wehurumende unotarisa kuti pane imwe nguva iyo munhu ane chikwereti nemunhu ane chikwereti asingatori rugwaro rwakadaro rwakanyorwa, chibvumirano hachizoonekwa sechinhu chisina kukodzera, asi panguva imwecheteyo, muteresi haazokwanisa kuvimba nehuchapupu hwezvapupu mumatare. Anofanira kutarisa humwe humwe uchapupu hwakanyorwa.

Kuti udzivise matambudziko akadaro, chirongwa ichi chiri nyore zvakare kunyora, asi nzira yekugadzira chikwereti chemari inogona kutungamirirwa nekwenyanzvi ane ruzivo.

Iko kukanganisa kukuru mukugadzirira kwebhuku racho

Kuziva zvakajeka zvekugadzira chikwereti chekugamuchira chikwereti kuchaita kuti nyaya yacho iite hurukuro pamusana wekusadzoka kwemari, nokuti iyo yakabudiswa ichaita zvisakarurama matambudziko uye zvipingamupinyi mukutonga.

Chimwe chezvinowanzoitika kune vagari vehurumende paunenge uchinyora chikwereti chekwereti ndeichi chinotevera.

Kuzvipira kwekwereta

Chimwe chezvikanganiso apo gwaro racho haritauri zvakakwana kukwereta. Somuenzaniso, kana risiti ichiti "Ini, Sergei Sergeyev, ndakagamuchira mari muhuwandu hwemamiriyoni makumi matanhatu emakumi matatu emakumi mashanu. Kubva Andreev Andrew ... ", ipapo mumatare kunogona kuva nemubvunzo kana iri chaizvo Sergeyev Sergey, uye kwete imwe. Zvichida Sergey Sergeyev akanyora risiti, uye uyo ane chikwereti anoda mari kubva kuna Sergei Sergeevich Sergeyev? Muchiitiko ichi, kungongororwa kwokunyorera zvinyorwa chete kunogona kubatsira, izvo zvichatsarudza munyori webhuku racho. Zvisinei, kuongorora chero nguva kunotora nguva, uye yakawanda, saka zviri nyore kuva nemafungiro ekunyatsoita sei risiti, achizvibudisa maererano nemitemo yose, kupfuura gare gare kuparadza nguva nemari nekuda kwezvikanganiso. Zvinofanira kuonekwa kuti kukanganisa kwechimiro ichi kunonyanya kuwanikwa pakati pevanhu vari muhukama hwepedyo (shamwari dzakanaka kana vanozivana) kana pakati pehama. Nemhaka yekuswedera pedyo uku, uyo anokweretesa kazhinji anotora rugwaro rwakanyorwa sechimiro chemiitiro.

Kurondedzera dhesi pamusoro pekweretesa

Matambudziko achasimuka kana pasina dambudziko rakakwana rekweretesa mubhuku rakanyorwa. Saka, kana risiti yakanyorwa mune iyi fomu: "Ini, Sergeev Sergey Sergeevich, takwereta mari muhuwandu hwemamiriyoni makumi matanhatu emakumi matanhatu emakumi mashanu emabhururi. Ini ndinoedza kuzvidzorera pamberi paMarch 3, 2016 ". Iyi sarudzo hairatidzi chikwereti uyo akapa mari, iyo inopa chikwereti chisingabvumirwi mukana wekutaura pakutongwa kuti kupiwa kwakapiwa munhu akasiyana zvachose. Anokwanisa kuunza mumwe wehama dzake kumatare naye, uyo achasimbisa kuti akanga achikwereta Ivanov, uye akazorasikirwa nekugamuchira. Kunyatsotsanangura zvose zvevatori vechikamu mubatanidzwa kunobatsira kudzivisa dambudziko, uye kana uyo ane chikwereti asingazivi kuita mari yechikwereti, samuenzaniso yacho inogona kuwanikwa nyore nyore.

Kutadza kwechokwadi chekutsvaga

Kune zviitiko umo uyo ane chikwereti akanyatsogutsikana nekariti inotarisa chimwe chinhu chakadai: "Ini, Sergeev Sergey Sergeevich, ndakabvumirana naAndreev Andrey Andreyevich kuti iyi yekupedzisira ichanditora mari muhuwandu hwema 80,000 rubles." Asingazivi nzira yokugadzira risiti, munhu ane chikwereti haazokwanisi kufunga kuti panguva yekuedzwa muteresi achazivisa kuti haana kuwana mari, uye receipti inyoreswa chete nechinangwa chokugumisa chibvumirano. Zvechokwadi, chokwadi, risiti haritauri chokwadi chokuti akakwereta akagamuchira mari.

Pano zvichange zvakafanira kuverenga kana pane humwe uchapupu kana kuti pakurongedzwa kwematare. Asi kwete iyo iyo dare rinotora rutivi rwekweretesa. Kunyange kana iyo yekupedzisira ichatsanangura mamiriro ezvinhu akaitwa nekuti iye haaiti kuziva kuti angagadzira sei risiti, haawanikidzi muenzaniso wehuwandu hwakadaro, dare rinogona kuwana zvikumbiro zvakadaro zvisingabvumirwi.

Kutadza kwechinangwa chaicho

Zvingaguma nemigumisiro yakaipa kune chikwereti uye chikwata chakabudiswa seizvi: "Ini Sergeyev Sergey Sergeyevich akawana mari ye $ 80,000 kubva kuna Andreev Andrey Andreyevich." Sezvo zvinogona kuonekwa kubva pane zvinyorwa, hazviratidzi kuti ndeupi rudzi rwemari, pane zvikonzero zvakaita Sergeev. Panguva yekutongwa, anogona kutaura kuti chikamu ichi chakanga chakaitirwa kwaari sebhadharo yechinhu chakatengeswa kusati chave, kana, kazhinji, chakapiwa. Uye uyo anokweretesa haazove nemukana wekuratidza nemagwaro akadaro kuti chikwereti chakaitwa, uye kwete kuverenga chero chinhu. Apo mubvunzo wacho unomuka: "Ungagadzira sei risiti?" - kunyatsotarisirwa kunofanira kupiwa kuratidza chinangwa chekuendesa kwemari, ndiko kuti, kuti chikwereti chakaitwa.

Zvimwe Zvikanganiso Zvakafanana

Zvimwe zvikanganiso zvevarikwereti vasingazivi nzira yekuita mari yemari inosanganisira zvinhu zvakadai sokugadzira risiti pamakombiyuta uye kusayina kwechiratidzo chechikwereti. Kana iyo yekupedzisira inoramba kuraira kwayo, kuongorora kwekunyorera zvinyorwa hakuzovi mumamiriro ezvinhu ose kukwanisa kugadzirisa muridzi wayo.

Vaya vanofarira nzira yekunyatsorudza risiti vanofanira, nekuwedzera, vanzwisise kuti risiti ibhuku. Mune chero gwaro, kugadziriswa uye erasures hazvibvumirwi. Saka, kana pane mabhoti akadaro mumutero, mari yacho inodarika uye imwe inoratidzwa, dzimwe shanduko dzinoitwa, saka dzinofanira kubvumirana nemapato. Panoenderana nekururamiswa kwega, iwe unofanirwa kuisa zvinyorwa zvako, uye zvingava zviri nani kudzokorora rugwaro.

Kunyange zvakadaro mamwe mavara ekuti zvakanaka sei kuita chikwereti chemari. Mune zvinyorwa izvi zvakakosha kutsanangura nguva yekubhadhara chikwereti, kana zvichidiwa, chinangwa chekushandisa mari yakweretwa (kana zvichikosha kumunhu anenge ari chikwereti), kubhadhara kana kusununguka chikwereti chechikwereti, kureva kuti, kana ane chikwereti achibhadhara chikwereti kushandisa mari yacho.

Zvimwe zviitiko

Mukuwedzera, zvinogonawo kupa mubhadharo wechirango mumubvumirano, kana zvichidzokorora kudzorera mari, izvo zvingangopfuura kuvhara kurasikirwa kwomunhu ane chikwereti kana akakwereta achizove asina kutendeseka.

Izvo zvinodikanwawo kuti munhu ane chikwereti aise chirevo pamusoro pemasimba ekukakavadzana. Nokudaro, mutemo wehurumende wakagadza kuti kudai kugadzirisa mari kunofungidzirwa nedare repamusoro panzvimbo yekugara kwemhosva. Uye kana mumiririri akaenda kune rimwe guta, sei zvakajeka kuti apiwe risiti? Muenzaniso wezvinhu zvakadaro unogona kutorwa kubva pane chero chibvumirano. Chinonyanya kukosha chiri muchokwadi chokuti mapato anofanirwa kusimbisa hutongi pakusarudzwa kwomunhu anenge aine chikwereti (chikwereti) kana mune imwe nzvimbo yedare reimwe guta.

Chiratidzo chemashoko aya chinodikanwa kune chikwereti, asi kana pasina chavo hachizokanganisa kuvimbika kwenyaya yacho.

Kururamisa kugadzirira kwebhuku racho

Nokudaro, kuenzanisa zvikwereti uye kuongorora zvose zvinowanzoitika zvikanganiso zvevakwereta, iwe uchiri kuda kuziva kuti ungagadzira sei risiti. Muenzaniso wekugamuchira, wakaratidzwa pasi apa, uchabatsira vashandi vakawanda vasinganzwisisi nyaya iyi kuti vasabhadhara kurasikirwa uye kuti varege kurasikirwa nemari yavo.

"December 1, 2015. Ini, Sergeev Sergey Sergeevich, 01.01.1990 wekuberekwa, munhu wekuMoscow, pasipoti ye1234 series №123456 yakabudiswa kuDhipatimendi reNyika dzeCentral District yeMoscow 05.05.2008, iri paArkhangelsk, ul. Gogol, 25, Apt. 25, akagamuchira chikwereti kubva kuna Andreev Andrey Andreevich, 01.02.1991 yekuberekwa, pasipoti yezvakakoshwa 4321 Nha. 654321 yakabudiswa kuDhipatimendi reZvenyika yeNorthern District yeguta reArkhangelsk musi wa17.09.2009, iri pakero: Arkhangelsk, ul. Gogol, 25, Apt. 26, mari muhuwandu hwemamiriyoni makumi masere (makumi masere) rubles. Ndakagamuchira mari iyo ndanyora risiti iyi. Ini ndinotanga kudzorera mari iyi kusvikira June 1, 2016. Chiratidzo, zita rakazara ".

Muenzaniso wakaratidzwa ndeye chirevo chakajeka chekuti zvakanaka sei kutora risiti, kuti inofanira kuonekwa muhurongwa husina kubviswa. Kana mari yacho yakakura kwazvo kana mukwereti achingoda kuisa mamwe mimwe mitemo, kubvuma kunogona kubhadharwa navo, kana zvichibvira kugadzira chibvumirano chakanaka chemari. Chero zvazviri, mazano emutemo haasi dambudziko.