Ukubalwa isinxephezelo ngokuthatha isikhathi eside iholo. nokukhokhwa isinxephezelo

Wonke umsebenzi unelungelo lokuthola iholo kanye umqashi ubophekile ukusifeza. It kungenziwa icala by izinhlelo ezahlukene. Uma iMenenja abakwazi ukukhokhela inkokhelo abasebenzi ngesikhathi, bangakwazi kufunwe isinxephezelo. kungenzeka okunjalo kuhlinzekelwe komthetho wezabasebenzi. Kuthiwani uma inkampani waqala ukubambezeleka iholo? Lapho akhononde ngokuthi abasebenzi? Ake uchaze lokhu ngokuya phambili.

Ukuphuthuma inkinga

Ukwahluleka okuthobela nanoma umqashi umlamulajuqu ukukhokhelwa amaholo abasebenzi, namuhla ukwephulwa sasivumela okwandile imithetho yezabasebenzi. Ngenxa yalesi icala umqashi kungenzeka esibandakanyeka zokuphatha, ezezimali noma lobugebengu isithiyo. Labor Ikhodi usungula eziningi izidingo inqubo ekubalweni s / n. Ikakhulukazi, kufanele abale okungenani kanye njalo emavikini 2. Isikhathi lapho abasebenzi iholo ngomsebenzi wabo, kuvetwe emculwini Isivumelwano esenziwe ngokuhlanganyela. Uma woniwa, abasebenzi banelungelo lokuthola isinxephezelo ngokuthatha isikhathi eside inkokhelo inkokhelo. Lokhu ngeke kube nankinga kwezimo Kwakuthi ngaphansi kwazo. Isinxephezelo sokulibala Kwenziwa futhi ngenkathi kwenzeka hhayi ngokusebenzisa iphutha umqashi. Ngesinye isikhathi, izwe usefunde kudlangile amaholo ukubambezeleka abasebenzi isimo. Okwamanje, isimo lithuthukile kancane, kodwa yephula imigomo namanje kunjalo.

umthwalo

inkokhelo Ibambezelekile inkokhelo kufanele bajeziswe:

1. Fine, usayizi ongafinyelela ayizinkulungwane 50. Hlikihla.
2. Ukumiswa imisebenzi ibhizinisi izinyanga 3.
3. Ukungafaneleki kwenkampani umqashi iminyaka 1-3.

Isilinganiso yokugcina sisetshenziswa uma ukuhlukumeza okuphindiwe imigomo lokukhokha inkokhelo.

Ngokucacile ngaphandle kwenkokhiso

Ukubambezeleka iholo ngenyanga kubalwa okusekelwe izinga iphesenti 1/300 of Central Bank. Ngokufanayo, ukukhokhiswa olwenziwa yokuxoshwa futhi ophumayo eholidini. Ukubalwa isinxephezelo ngokuthatha isikhathi eside amaholo kwenziwe inani eligcwele, kuhlanganise inkokhelo kusengaphambili futhi premium. Isinxephezelo ngeke zibe ngaphansi. Kuleso simo, uma ngosuku irisidi kuvumelana iholide, ingabe kufanele yenziwe yini ngaphambi ezongezelwe, ukuze kuvinjelwe izindleko ezengeziwe.

amalungelo umsebenzi

Uma inkokhelo ukubambezeleka iholo singemaviki lange-2 noma ngaphezulu, sisebenti kungentiwa wazise umphathi ngokubhala ukuthi okuvimba umsebenzi kuze ulindele ukubuyiselwa yona iphelele yesikweletu. Isisebenzi singase futhi kufayela isudi enkantolo. Prakthiza ebonisa ukuthi iningi okushiwo abasebenzi, ngisho noma amaholo umphathi phutha ukubambezeleka lapho. isinxephezelo kunqunywa isinqumo senkantolo ngesisekelo isivumelwano umsebenzi. Uma umsebenzi uhambise isicelo, akanakusondela ukusebenza. Nokho, ngemva kwalesi sinqumo senkantolo esivuna wakhe, enesibopho ukuphishekela umsebenzi okhokhelwayo inkampani. Uma kungenjalo, uma engekho emsebenzini kuzothathwa ngokuthi kuyicala kwezigwegwe. Njengomthetho, umqashi kufanele ukukhokha lemali kuthishanhloko, futhi ukubala isinxephezelo for ukubambezeleka inkokhelo asisho ukukhiqiza. Yileso isizathu kokuya enkantolo. Lapho ukubambezeleka yokukhokha kwezinyanga 2 umqashi angase abhekane necala lobugebengu. Kuhilela ukubhekana ahlawule isamba 120 ayizinkulungwane. P., Kanye ejele kuze iminyaka 7.

Ukubalwa isinxephezelo ngokuthatha isikhathi eside inkokhelo

Ukushaja Kwenziwa ngokusebenzisa le ndlela elandelayo:

Nokubuyiselwa inani izikweletu = x (% izinga CBR / 300) Inombolo x sezinsuku kokulibala.

Kungenzeka ukusebenzisa uhlelo ezilandelayo:

Isinxephezelo inombolo = z / x sezinsuku x 1/300 x st lapho .:

• s / n - nenani izikweletu;
• inani lezinsuku - inkathi ukubambezeleka;
• Art - izinga refinancing.

izibonelo

Ake sithi, ngosuku 20th lwenyanga umsebenzi uthole i kusengaphambili obuyizinkulungwane 5. P. iholo lakhe ayizinkulungwane 15. P. Salary umsebenzi wathola 23 lwenyanga ezayo. Ngokwe-schedule, ukubuyiswa kwemali period ezingu 5. Kulokhu kukhona ukubambezeleka izinsuku 18. Ukubalwa isinxephezelo ngokuthatha isikhathi eside amaholo kwenziwe usebenzisa ngesilinganiso 0,082:

K = 10000 x 1/300 x 18 x 0.082 = 49.19 p.

Inani imbuyiselo akuyona kangaka futhi, nokho, umsebenzi kufanele ulithola. Cabangela esinye isibonelo. Ngu Isivumelwano esenziwe ngokuhlanganyela sokulibala isinxephezelo s / n 0,06% ngosuku. Ake sithi, sokubalwa Julayi 2014 kanye kokuthola s / n ngo-August enziwa ngo-September 17 ngawo lowo nyaka. Inani izikweletu ngoJulayi - 30 th wesifunda, ngo-August - .. ayizinkulungwane 50 p .. Ukubala wenziwa ngokuhambisana nemigomo:

• 30 eziyinkulungwane. P. (July) - izinsuku 43 (ukubala senziwe 6 Agasti);
• 20 eziyinkulungwane. P. (Advance yokukhokha ongazifunda ngo-August) - Izinsuku ezingu-28 (kusukela 21.08 at 17.09);
• 30 eziyinkulungwane. P. (S / n Agasti) - ezinsukwini ezingu-12 (kusukela 6.09 at 17.09).

Ukubala simiswe ngalendlela lelandzelako:

(43 x 30 x 0,06 + 28% x 20% x 0,06 + 12 x 0,06 x 30%) x 1000 = 1326 k.

ezicashile kwenkokhelo

Njengoba kushiwo ngenhla, lapho isinxephezelo ukubambezeleka iholo ibalwa izinga Central Bank. Lokhu ubuncane kungase kukhule ngaphansi imigomo yenkontileka umsebenzi. Ngosuku lokuqala ukubambezeleka yoba usuku lokukhokhela isitolimende esilandelayo ngemuva s / n usohlelweni. I last - nenani buyiselo langempela. Uma ushintsha ekubalweni ngesilinganiso Central Bank kufanele sizimisele ngokuhlukile inkomba ngayinye. isinxephezelo lemali yengezwe s / n. Isisebenzi singase ngesaziso okubhaliwe sokuqeda imisebenzi ibhizinisi. Nokho, Umthetho, amacala emisiwe umsebenzi inelungelo nokuqalisa ngeke ukwazi:

1. Lapho isimo esiphuthumayo.
2. Isisebenzi usebenza ngesikhathi ibhizinisi, ukuhlinzeka ukuzivikela kazwelonke, noma izinhlangano isimo.

Ukubambezeleka iholo: khona sikhalo sakho?

Okokuqala, kufanele sizame ukuxazulula lesi simo ngokuthula. Ukuze wenze lokhu, isisebenzi inhloko isitatimende mayelana nokukhokhwa isinxephezelo salokhu libhekisela ngqo. Uma umqashi indiva isikhalazo, isisebenzi ubhala isaziso kwathiwa okwesikhashana emsebenzini. Umphathi kufanele asayine ikhophi yesaziso. Uma enqaba ukwenza lokho, isaziso ingathunyelwa ngeposi. Sengibuyele isaziso sokuthi umqashi lithole incwadi, umsebenzi kungenziwa okwesikhashana.

Labor umthetho kuleli cala kudinga ikhanda lenkampani ukukhokhela Ukuphumula ngaphezu isinxephezelo ngokuthatha isikhathi eside Amaholo. Ukushaja wenziwa ngokuhambisana isilinganiso s / n. Uma umphathi ithumele isaziso ukuzimisela kwayo mina, umsebenzi kufanele babuyele emsebenzini. Uma obunokuthula izindlela ukuxazulula inkinga kuhlulekile, isisebenzi sikaHulumeni angafaka isicelo nimunye imfuneko ukuze usethe ikhomishana ukuxazulula ingxabano yomsebenzi. Ukwakheka kwalo kumelwe kube ngabameli abasebenzi umqashi izinombolo alinganayo. Xhumana inyunyana kungaba kungakapheli izinyanga 3 kusukela ngosuku lokuqala ukubambezeleka. CCC kufanele ucabangele nerejista isicelo zingakapheli izinsuku eziyishumi, futhi wazise umsebenzi. Ngu isinqumo salowo ophethe umnyango weKhomishana iyadingeka ukuze kukhokhwe lesi sikweletu ezinsukwini ezingu-3. Uma umqashi alivumelani, yena angaya enkantolo.

lokuhlolwa kwezisebenzi

Isisebenzi bangafaka isicelo ukuze UKUSHAYA. Kuyadingeka ukuhlinzeka ngolwazi mayelana ngokwabo, igama, ikheli ibhizinisi, igama umqondisi. Umbhalo isitatimende kufanele siwusho ngokucacile ngemvelo yenkinga, amaqiniso abonisani lemali futhi elithi yesikweletu. Uma kunobufakazi yokukhokha sekwedlule isikhathi, kungcono unamathisele ukuba isicelo. Libuye ezifiselekayo ukuze wenze ikhophi yesivumelwano umsebenzi. Isicelo kanye nezinamathiselo lungenzeka mathupha noma sithunyelwe ngeposi. Ukucutshungulwa Kwenziwa ingakapheli nenyanga. Ekunqumeni ukuthi ukungezwani okwaba khona izibopho umqashi uzokwaziswa imfuneko ukuba abuyisele izikweletu. Kulokhu, umsebenzi inelungelo unilaterally sephule inkontileka nomqashi.

izindlela ezingokomthetho ezitholakalayo

Isitatimende kwesimangalo ithunyelwa igunya nge isicelo umsebenzi ubufakazi. Ziyakwazi: inkontileka, kanye nomlando umsebenzi. I Ikhodi of Civil Inqubo sisungula izimfuneko ezilandelwayo ukwelashwa. Ukwahluleka okuthobela nanoma, inkantolo ingase ibuyele isimangalo wesicelo. Nakuba wanelise izidingo isisebenzi uzothola imiBhalo ngokubulawa. Ngokusho uthishanhloko kungenzeka wakhipha ngosuku isinqumo. Njengoba for lemali esele, bese imiBhalo ngokubulawa lizotholakala ngemva kokujoyina i-ukwahlulela isenzo. Njengengxenye yenqubo, ungase futhi kufunwe ukuliliswa zokuziphatha. Kuleso simo, uma iholo enqwabelene, kodwa hhayi esikhokhelwayo, umsebenzi unelungelo lokufaka isicelo imantshi. Kulokhu, umangalelwa nofana umangali kufanele kwenziwe ngazo indlela eyisipesheli umyalo. Ekupheleni kokucubungula isikhalazo esikhishwe umyalelo wenkantolo. He is imiBhalo ngokubulawa lapho umsebenzi ungaphakathi FSSP.