I-oda ukudonsa imali kwi-akhawunti wamanje: Imiyalelo

осуществляется в соответствии с положениями ГК. Buyisa imali kusuka akhawunti yokukhokha okweletayo ngokuhambisana nezinhlinzeko Code Civil. imithetho eyisisekelo sihloko 855 kweKhodi usungula. Ngo umkhuba, bulukhuni kungenzeka uma wenza bhala-off amanani ezitholwe Bank imibhalo ukukhokhelwa. Isikhathi esining impela kuphakama izinkinga uma a / c eqandisiwe ngomyalo izidumbu esiphezulu. Ngokuvamile izisebenzi yasebhange angazanga ukuthi kufanele enzeni imali abayithole-akhawunti ivinjiwe. Esesizokuhlola ngqo zoMthetho Article 855 futhi izici isicelo sabo.

Uhlolojikelele

Lapho kukhona p / isamba ukwanele buyiselo okufunwayo abakweletwayo ', ukudluliswa senziwa ekwamukelweni oda yekhasimende kanye namanye amaphepha emvume yokukhokha. . Kulokhu, kukhona ikhalenda kwezimali cherednost kuthiwa ezidonswe ku-akhawunti. Uma kukhona icala ngabanye enikeziwe ezinye izimiso, Art. 855 asisebenzi.

I-oda ukudonsa imali kwi-akhawunti yensimbi

Isetshenziselwa uma / c kuyinto lemali enganele sokukhokhwa zonke izimangalo sigcwalisiwe. Article 855 sisungula oda olandelayo ukudonsa imali kwi-akhawunti yokukhokha ibhizinisi noma abantu ngokomzimba:

1. Ngokusho umyalo wenkantolo, lokusho ukudluliswa noma inkinga amanani njengoba isinxephezelo for ukulimala wezempilo / ukuphila, kanye eliqukethe izimfuneko ukondla obushade naye emuva kwesehlukaniso.
2. Ngokusho IL, esihlelwe ngomumo ukuze ukukhokhwa kwemihlomulo severance nenkokhelo kubantu abaqashwe noma abasebenza ngaphansi inkontileka. Esikhathini emgqeni efanayo writs ngokubulawa, eklanyelwe kwisamba izimali ukudluliswa lomholo ngabahleli kokuhlakanipha umsebenzi umkhiqizo.
3. Ngokwe imibhalo yethenda, kufaka Ukukhishwa / ukudluliswa lomholo bungakanani abantu abasebenza ngaphansi inkontileka egameni ukuhlolwa intela ukukhokhwa isikweletu eminikelo ukuze izabelomali wonke amazinga futhi imizimba ukuqapha ukukhokha amaphrimiyamu omshuwalense.
4. Ngokusho umyalo wenkantolo, esinika ukubuyiswa kwemali yezinye izidingo.
5. Ukuze uthole ezinye imibhalo ukukhokhelwa. . Kulokhu, uyokwenza ikhalenda ukulandelana zimali ezidonswe ku-akhawunti.

Ukudluliselwa ngaphakathi eqenjini efanayo akhiqizwa ekwamukelweni imibhalo ukukhokhelwa.

izincazelo

представляет собой определенную последовательность, установленную законодательством. I-oda ukudonsa imali kwi-akhawunti yensimbi ukulandelana eyasungulwa umthetho. Kuyadingeka ngenxa kokukhokha ngokushesha futhi egcwele izidingo ku imibhalo, igama elithi zazo ufikile kakade. Isihloko 855 inikeza ezimbili imithetho bhala-off. Eyokuqala osebenza ku ezimweni lapho esele kwi a / c kwenza kube nokwenzeka ukuba asule zonke isicelo. Kulesi simo, inkokhelo eyenziwe ekwamukelweni izibambiso yokukhokha. A Ukubusa efanayo osebenza ngesikhathi wanelise nezidingo neqembu elilodwa.

I-oda ukudonsa imali kwi-akhawunti yensimbi phezu ukuboshwa

Ngokuvamile kukhona nobunzima ekunqumeni, kungakhathaliseki inhlangano yasebhange iyadingeka ukuze uqhubeke ekukhishweni okokuqandisa oda p / s, uma ekuqaleni abangeke baze bemukele noma cha ngokwanele, futhi ekugcineni baqale ukungena bese buthelela. Ngo isakhiwo sezimali sebeqala ukuza oda lokukhokha noma kakade imibhalo etholakalayo equkethe nezidingo amaqembu 1-3. UMthetho Federal №389 ukwelekelela zoMthetho №229. Ikakhulukazi, izinguquko ezenziwe ku-athikili 81 (ch. 6). Ngokusho kuyinsakavukela khona, uma p / s ongenawo amanani edingekayo noma isakhiwo sezimali enganele Kumiswe ukusebenza noma uyaqhubeka ukubulawa kuze ephelele Ukuvinjwa izinqumo noma ukuhoxiswa ukuboshwa. Lezi izithasiselo bavela 01.01.2012 Ngokusho sihloko 76 Tax Code, ukumiswa kokusebenza e-p / s kudinga ukumisa zonke izinkokhelo. Esikhathini umthetho kukhona ukubhuka. Ukuvimbela ukusebenza asisebenzi izidingo, ukubuyiswa kwemali zazo, ngomthetho, wenziwa ngaphambi ukubulawa kwabo isibopho ukukhokha izikweletu ku izintela nezimali, umshuwalense, izinhlawulo, isithakazelo.

esibalulekile

Omunye umbuzo ngokuvamile ephakama umkhuba - ukuthi ibhange kufanele ukuhlehlisa ukubulawa oda yokukhokha ephathelene amaqembu 1-3 ngaphambi p / s bayozibuthela lemali edingekayo? будет нарушен. Uma uphendule ngoyebo kulo mbuzo, kuvela ukuthi abanye kumele kuphele kwephulwe oda ukudonsa imali kwi-akhawunti yensimbi phezu ukuboshwa ngeke. Lokhu kungenxa yokuthi kulesi simo imibhalo ukukhokhelwa 5 amaqembu azothola phezu oda ezihlobene isinxephezelo umonakalo empilweni, izinzuzo, inkokhelo, amaholo ngaphansi wamalungelo okukopisha, kanye intela ezibanjwayo. Ukuboshwa akufanele eziphula oda 855 izihloko. Endabeni abasebenzi Imbondela FSSP phezu amanani etholakalayo okumele ikhokhwe amaqembu 5, kuqala ababulawa imibhalo ukukhokhelwa ezihlobene 1-3 amagremu.

ezimali

Kanjani inqubo ukudonsa imali kwi-akhawunti kokuhlola? Loan CQ. 51 konke ukuthengiselana lasebhange. I izaziso ngemisebenzi ye zimi kanje:

1. Db CQ. 60 (66: 91,2, 76, njalonjalo. D.) KD CQ. 51 - Ukukhokhwa nezibopho ngaphansi inkontileka.
2. Db CQ. 68 KD CQ. 51 - ukwabiwa izinkokhelo isabelomali.
3. Db CQ. 69 KD CQ. 51 - nokukhokhwa iminikelo. Ngakho tekubala kanye FSS FFOMS FIU ukwehlukanisa subaccount ivulekile.
4. Db CQ. 70 (71: 73) KD CQ. 51 - buyiselo izibopho abasebenzi.
5. Db CQ. 75,1 KD CQ. 51 - Ukukhokhwa izinzuzo kubahlanganyeli.

Iqembu ezengeziwe

Okwamanje, kukhona Ziphikisana mayelana nokuba khona esigabeni izinkokhelo lesine. Ngakho, ukungaqiniseki okwamanje kuphakamisa imibono ehlukene phakathi odabeni isibalo amaqembu ngokwabo. Ngokusho kochwepheshe kakhulu, kukhona indawo eyengeziwe, kodwa ifomu ambalwa ufushanisiwe. Ikhumbula sihloko yokuhlela 5 inani uMthetho Federal 308, singaphetha ngokuthi izinkokhelo kwesabelomali kanye iminikelo izimali ze-non-ngesabelomali esabelwe c 3rd. Kodwa ngenxa "ukukhishwa" komugqa wesine kukhona isigaba izinkokhelo Awutholi namanye amaqembu, kuhlanganise lwesithathu. It idlulisela ukuba izimali extra-kwesabelomali yangasese. Ngakho, kukhona iqembu eyengeziwe - in umkhuba, ingxenye yesine. umugqa 5th futhi 6th ichazwe eSigabeni 855 zinjalo.

imibhalo Izici

оформляется разными бумагами. Buyisa imali kusuka akhawunti esikhishwe ukuthengiselana ezahlukene. Phakathi kwabo kukhona umyalelo ukukhokhelwa. Ukuze le dokhumenti enikeziwe f. 0401060. Indlela ugcwalise Isijobelelo 1 kuya koMthethonqubo Central Bank № 383-P. Ngemva kokuthola lezi isakhiwo imfundo yasebhange edingekayo ukuqinisekisa:

1. Isiginesha yedijithali (elektroniki) noma lunikeza mbhalo wesigxivizo futhi umbhalo wesandla umuntu obhekene amasampula etholakalayo.
2. Ukungabikho izinguquko le dokhumenti.
3. Ukuba khona imininingwane saziso, ngokunemba iziqondiso zazo.
4. imali eyanele p / s ukuhlangabezana nezidingo.

akwazisa umthumeli

Endabeni ukubulawa lesifanele oda futhi ukutholakala kwezimali ku-akhawunti ye-Ubuningi obanele e-electron izibalo wathola isikhungo sezezimali uthola idokhumenti kuqalisa. Ibhange azisa Umthumeli iphepha ukuqala inqubo. Uma oda uyabulawa ephepheni, isakhiwo sezimali umsebenzi ubeka usuku ukwamukelwa, isignesha futhi isitembu. Ngokwesibonelo oqukethe uphawu, ababuyelanga umthumeli ngemva ngosuku olulandelayo (ukusebenza). Uma oda uyabulawa ngokungalungile, ibhange ithumela isaziso electronic ukwesulwa ukusebenza. Kulokhu, isaziso kumele akhombise isizathu esiholele ekusulweni kokubhalisa. Uma oda uyabulawa ephepheni, amanothi elihambisana zenziwa kuwo. Lowo Mbhalo wangonyaka we zasayindwa siphathiswa wemfanelo futhi isitembu.

Izici Ezihilelekile Kule izinkokhelo

Endabeni ka lemali obanele of izimali kwi izabelo akhawunti ngeke emukelwe ukuba abantu babulawelwe kuzo wawungenalutho (emuva) kungakadluli usuku olulandelayo. Okukhishiwe Ngamanani idluliselwe:

1. Izabelomali, izimali extra-mali, kanye nezinye izimali elicacisiwe Article 855, isigaba 2.
2. Ngesicelo kubamangali.
3. Ngesisekelo inkontileka ne isakhiwo ebhange.

Le mibhalo ezibekwe iqembu oluvelele esikhathini. Amacala esenziwe kuye ngendlela Article 855.

hlu esinqunyiwe

Ukuqalisa ke, futhi usebenzise f fomu. 0401060. On the front ohlangothini iphepha ekhoneni eliphezulu kwesokudla umsebenzi yasebhange wammisela esihambisanayo ( "inkokhelo kwengxenye"). kumelwe ucacise kwi reverse oda:

1. Inombolo yokukhokha odinali.
2. Usuku weenomboro.
3. Inani yokukhokha kanye ibhalansi p / s.
4. Isignesha.

Lolu lwazi kungafakwa esenezelwe oda. Wenziwe kunoma yiluphi uhlobo. Imithetho efanele zikhona izigaba 4.4 2.10 weMithethonqubo yenomboro Central Bank 383.