Ukubala inzalo Ngaboleka imali - amathiphu

Ukubhekana usonkontileka abonakele, ngeshwa ngokuvamile. Umthetho we Russian Federation uhlongoza nxephezela ukulahlekelwa ithuba lokulungisa iphesenti ohlulekayo wokusebenza okungafanele kwempahla third-party. Indlela ukwenza ukubala inzalo izimali ezibolekwe, okuyinto izikhathi abalulekile ngesikhathi esifanayo acabangele, lapho imithetho yokwakha - konke lokhu uyothola kulesi sihloko. Futhi-ke ngeke ibalwe ku isibonelo esikhethekile.

Kuyini ukusetshenziswa Ngaboleka imali

Kwezamabhizinisi lanamuhla imvelo ngokuvamile kwenzeka lapho kabi izimpahla yomunye, ikakhulukazi imali. Kuyinto izimo ezifana nalezi:

• Ukubambezeleka nokukhokhwa Receivables.
• ibuyiswe sekudlule isikhathi imalimboleko nokubonga.
• nokugcinwa ekhubazekile ngokungadingekile noma ngephutha ikhokhwe amanani.

I Civil Code (CC) ku izimali ezibolekwe ilawulwa Article 395. Ngokusho lesi sihloko, kuzomele ukhokhe iphesenti nokusebenzisa izinto third-party, ngenxa ukubambezeleka ekukhokheleni kukwenza kungenzeki Party ukuthi kuhlinzekwe amafa, kukhishwe imali yabo, kungakhathaliseki ukuthi wabuya ngesikhathi.

Ngokucacile lemali lapho ngemuva, wena Ngokuqinisekile uyonika ukwanda, kungakhathaliseki ukuthi umnikazi izosebenzisa kubo. Ngisho uma nje ibekwe ku ebhange, ke kuyodingeka iphesenti. Ngakho-ke, kunengqondo ukuphetha ngokuthi imbuyiselo kufanele ngaso sonke isikhathi ube usayizi omkhudlwana. Okuwukuphela inkontileka, okuyinto lelipelwe kusengaphambili isimo ukusetshenziswa oludlulele.

Ukuze wenze ukubala, kubalulekile ukucacisa amanye amaphuzu abalulekile: ngokucacile Ukusetha isikhawu isikhathi ayozala isithakazelo, ie Idethi okufanele kukhona icala kanye nosuku beqeda inqubo ukushaja, inani lenzalo kanye nenqubo sokubalwa.

Anqume isikhawu kosuku lokuqala

Uma thina uqhubeke kusukela ojwayelekile, ukuqala ukushaja isithakazelo kufanele kube ngosuku olulandelayo ngemva counterparty yakho ngeke ukufeza izibopho zayo kuwe. Cabangela nasi isibonelo. Ithemu yokukhokha izimpahla 31.7.2015, kodwa umthengi wahluleka ukukhokha. Ngenxa yalokho, unelungelo uqale ukuba abize inzalo emalini isikweletu livela 01 Agasti.

Kwenzeka ukuthi inkontileka alisho ngokuqondile usuku lokukhokha, uma ukukhokhelwa ngokweqile noma ayilungile lemali, indlela ukunquma isikhathi wayeqamba isithakazelo? Kulokhu, esekelwe usuku funa. Lokhu kusho ukuthi okweletayo liyadingeka ukuze ibuyisele le mali uzoyikhokha lingakapheli isonto kusukela Eqinisweni, njengoba wayedalulwe yesicelo senkokhelo. Ngosuku lwesishiyagalombili ungakwazi ngokuphepha ukuqhuba ekubalweni izinhlawulo ukusetshenziswa ngokungemthetho imali yakho.

Le mfuneko kufanele abhalwe phansi, kuyinto efiselekayo ukuthi equkethwe inothi yokuthi okweletayo lithole idokhumenti.

Nquma usuku slot Ukuvalwa

Isithakazelo ukubala senzeka ngesikhathi sonke isikhathi kuze counterparty ehluleka ukufeza isibopho yayo. Ngokwesibonelo, e isibonelo sethu, umthengi wenze lemali edingekile ku-akhawunti inkampani yakho 08.08.2015. Ngenxa yalokho, lo isithakazelo uzobe enqwabelene enkathini esukela ku-Agasti 01 kuya ku-August 8.

Izinga lenzalo yemali mboleko

Ngokusho mithetho, iphesenti izimali ezibolekwe okudingeka ukuba ibalwa ngesisekelo izinga refinancing, lamanje ngesikhathi ukusebenza kwesibopho. Ngo-September 14, 2012 bekubonakala evunyiwe inani 8.25 futhi kusukela ngaleso sikhathi engakaze ebuyekeziwe. Ngakho, cabanga isithakazelo udinga ngesisekelo lesi izinga.

ukucaciseleka Okubalulekile. Article 395 isigaba kwezinkambiso lokuqala sesingasebenza kuphela uma amaqembu inkontileka ungazange bhalisiwe inani lenzalo kulesi sibalo inhlawulo ukubambezeleka emthethweni. Uma amaqembu kube kuleli qophelo isivumelwano wakucabangela ke ukubala senziwa ngesisekelo amazinga elicacisiwe idokhumenti, kunokuba izinga refinancing, ngokufanele, izamba ukuba ngokuphongoza.

Senza izibalo

Ake senza ukubala kwezinhloso zenzuzo ngoba ukusetshenziswa Ngaboleka imali. Sicabanga ukuthi izikweletu yezimpahla zaba ruble 100,000. ukuphila Izikhungo izinsuku eziyisishiyagalombili. 100 000/100 * 8,25 = 8250 ruble. Lona inani ngonyaka, futhi sidinga ukubala izinsuku 8. Ngokusho kwale mithetho, sokubalwa isithakazelo Kusolwa ukuthi izinsuku ezingu-360 ngonyaka, ukuze 8250/360 * 8 = 183.33 ruble.

Kuphakathi ingasetshenziswa ukubala ifomula ezahlukene:

SummaProtsentov = (StavkaRefinansirovaniya * * SummaDolga KolichestvoDneyProsrochki) / 36000

Sikholelwa lokhu ifomula: (8,25 * 100000 * 8) / 36000 = 183,33 ruble. Sebenzisa inketho ukubala ukuthi ongayithola ilula kakhulu.

Kwi-inthanethi futhi ungathola yokubala ekhethekile ezokwenza ngokushesha enze ukubala inzalo izimali ezibolekwe. Uzocelwa ukuba ungene itafula olukhethekile inani izikweletu futhi inkathi labunjwa okuyiwona. Ukubala wenziwa kweso. Uzobona hhayi kuphela inani lokugcina, kodwa inani ngosuku kokulibala njengoba amaphesenti futhi ruble.

I kwesibalo efanayo ibalwa nezinhlawulo izintela nezimali, isikweletu amasevisi ishayise nezinye izinkokhelo. Ukwazi lokhu ifomula kuzokusiza ukuba ngokuzimela ukuqinisekisa ngokunemba ukubala inani inhlawulo on izikweletu zakho.

imibhalo zokulawula

Ukubala inzalo izimali ezibolekwe isethwe inombolo kwemibhalo normative:

• idokhumenti ezibaluleke kakhulu - the Civil Code, Article 395;
• ekuqaleni isikhathi isikhawu ekubalweni amaphesenti isethi njengoba kubalulwe emqulwini womthetho Article 191 CC RF;
• ekupheleni isikhawu ezithakazelisayo accrual nedatha emini konyaka kuhlaziywa inani lenzalo ka Central Bank of the Russian Federation uzaqiniswa yi Isinqumo 08.10.1998, inombolo 13/14, okuyinto ekhishwe Plenum zeNkantolo Ephakeme futhi Ephakeme Arbitration iGceke Russian Federation futhi 316 statyaGK;
• ukuchaza kahle ukuthi inani lenzalo ukuqondiswa, kuqukethwe ukwahlulelwa 01.07.1996, inombolo 6/8, okuyinto ekhishwe Plenum zeNkantolo Ephakeme kanye SAC;
• we refinancing idatha kulinganisela equkethwe kwi-website ye-Central Bank of the Russian Federation.

Lapho ekubalweni amaphesenti waboleka imali liqukethe ezicashile nakakhulu futhi ubuqili, kodwa ezimweni eziningi ulwazi olushiwo ngenhla, kwakwanele ukuba adalule counterparties kanye nezindleko ukuqoqa inhlawulo.