Uyini isigwebo? Isijeziso: definition, izinhlobo, izici, kanye nenqubo kuhlaziywa

Uma ukwephula ka nezibopho kule nomthetho Russian inikeza okwakuvela ohlotsheni olukhethekile lwenkanyezi isigwebo. Into enjengale isigwebo, kuyinto Regulator of nesikhathi sokudlulisa intela izinkokhelo, umphakathi nemisebenzi, kanye nezinye izibopho eziningi.

Yini isijeziso, iyini indima yalo zokulawula

Isijeziso ngesimo izinhlawulo kuyinto ngempela njalo ekuphileni kwansuku zonke. Umsebenzi ukushaja isigwebo enjalo kwenzeka ngesikhathi kokunikezwa kwe-ubudlelwano obusemthethweni, livikeleke inkontileka noma umthethonqubo. Uma ufa akuyona silungiswa, isijeziso bayoqhubeka bekhula. Usayizi isigwebo incike inani okubhekene ziyakuhlushwa ibalwa kuphesenteji.

Ukuhlaziya umbuzo okuhle, abantu ngokuvamile uhlangabezana eside ezifana "umonakalo kwavala". Kuyinto cishe into efanayo. Ngokwesibonelo, uma isivumelwano sisuke ukuzibophezela ukuthi isigwebo nsuku zonke kuyoba 0.3% semali yokukhokha ebhaliwe ke eside enjalo kuhloswe ukuba ezicela isithakazelo.

Amabili asetshenziswa umkhuba umthetho uhlobo isigwebo: kule nkontileka izinhlawulo kanye isigwebo esingokomthetho. Esimweni sokuqala ukubaluleka isigwebo isethwe sokusebenzelana. Usayizi eseduze lwezijeziso ezinjalo - 0.5% ngosuku. Uhlobo izinhlawulo yesibili eyasungulwa umthetho futhi kulawulwa the Civil Code. Le ndlela isetshenziswa lapho yokungakhokhi ka ukondla obushade naye emuva kwesehlukaniso, alibale Umbuso izinkokhelo kanye nezinye izimo. In the ukungabikho imithetho kwi ekubalweni iphesenti imali isijeziso ilingana izinga refinancing empeleni ngesikhathi ukuhlukumeza.

Kuleso simo, enqwabelene intela izinhlawulo

Zonke izinkokhelo intela zibukhali imikhawulo yesikhathi ukuthi kumele ngokuqinile waphawula. Uma umnqamulajuqu ukudluliswa yayihamba, ezilawulayo izinhlawulo. Inqobo nje intela eziyisisekelo ingakhokhwa, isithakazelo bayoqhubeka bekhula. Ukuze umise kubo, kumelwe wenze ibhajethi yokukhokha ngokushesha ngangokunokwenzeka.

Iziphathimandla zentela ezicela inzalo izintela ngosizo isofthiwe ezikhethekile. Ngaphambili, lo msebenzi isikhathi esiningi kwenziwa ezimali, futhi, naphezu ifomula ngqo, imiphumela kwakusekhona ngabazeka.

Kukhona futhi eziningi, lapho izinhlawulo intela kungukuthi icala. Ngokwesibonelo, uma ngokuxhaphaza imali yabakhokhi bentela ivinjelwe ngesinqumo iziphathimandla zentela noma izimali wayeboshwe ngesisekelo isenzo zokwahlulela.

Kanjani oxhumene kanye nezinhlawulo

Izinhlawulo futhi isijeziso isihlukene kanti zizimele kusukela kwenye. Phakathi letigwebo abe umehluko eliyisisekelo. inkampani embukisweni lesidze ekhatsi kwenzeka kwephulwa, futhi isigwebo ibalwa kusukela ngosuku lokuqala ukubambezeleka. Izinhlawulo awashintsheki amanani, okuzenzakalelayo Inzalo ibalwa ngokuvumelana ifomula ethile, kucatshangelwa zamanje refinancing izinga.

Zokwephuza ukukhokha Umbuso amacala isigwebo

Ukubambezeleka ukukhokhelwa Umbuso izikweletu uhlala inkinga okukhulu nokuphatha izinkampani. Ukuze inani izikweletu akubi ezibucayi, abaphakeli energy namasevisi umthengi unelungelo ukubeka isigwebo Tinsita.

Usayizi embukisweni unswinyo incike inani lezinsuku kokulibala. Ngaphansi imithetho emisha kusukela ngomhlaka 1 Januwari 2016 izinhlawulo uqale ezicela izinsuku ezingu-31. Phakathi nezinyanga ezintathu (izinsuku ezingu-90) isithakazelo bazothola ngesilinganiso 1/300 of the rate refinancing futhi angu-91 ngosuku izokwenyuka ukuba 1/130 izinga.

Ngezinye izikhathi, umnikazi amafulethi izohamba isikhathi esithile, kulesi simo kungenzeka ukugwema accrual yenhlawulo, uma kusengaphambili ukuze ubhale isitatimende inkampani ukuphathwa. Ukwephuza kumele inikwe umuntu izinyanga eziyisithupha.

Alibale inkokhelo ukuze CTP - inhlawulo

CTP umshwalense inkontileka kuhilela ukusungulwa umthwalo wemfanelo ethile amaqembu ngokwehluleka ukuhambisana ngawo izinhlawulo anikezwa. Endabeni i kwesamba umcimbi kokucubungula isicelo of isisulu akufanele kuthathe izinsuku ezingaphezu kuka-20. Emva kwalesi sikhathi, inkampani yomshuwalense ubophekile ukuba akhokhe umfakisicelo premium umshwalense noma ukwakha ukwenqaba ezicatshangisisiwe.

Uma izimali abakhokhelwa ngesikhathi, inkampani kuyodingeka ahlolwe isigwebo. Umshwalense isigwebo 1% isamba semali esele, ebalwa nsuku zonke. Uma inkampani yomshuwalense kancane wakhokhelwa ikhasimende, ecolekileyo liyakuthengiswa onikezwe lonke isamba. Endabeni ngokulibala ngamabomu ukucutshungulwa ngesikhathi esinqunyiwe penalty inani 0.05% nsuku zonke. Kuyaphawuleka ukuthi isigwebo Imininingwane ayikwazi sedlule umshwalense yokukhokha.

Yini uzodinga izinga refinancing

Isilinganiso senzalo lapho ibhange elikhulu nohlobo lunikezwe ukuba ngamabhange, ngokuthi izinga refinancing. Leli gama kwezomnotho has a ukubaluleka kunalokho enkulu amasu futhi ngenkuthalo iqhaza kulesi sibalo izinhlawulo.

Ukubalwa izinhlawulo isekelwe esimisweni 1 \ 300 ngesilinganiso ngasinye ngosuku ukubambezeleka. Ngamanye amazwi, imali izikweletu iyanda yi 1 \ 300, futhi inani lezinsuku aphuthelwe. Futhi, inani lenzalo ehilelekile imithetho yezabasebenzi kanye elawula ukukhokhelwa ngesikhathi esifanele inkokhelo abasebenzi.

Izinga refinancing angashintsha nokwenza kwayo phakathi nonyaka izikhathi eziningana, ngakho-ke kubalulekile sihlale njalo siqaphele ushintsho olunjalo ukuze ukubala kahle izinkokhelo isithakazelo.

Kanjani ukubala izinhlawulo

Kwabe sekuvela ukuthi kulungile lokho, kulula ukukuqonda ngempela kancane kunzima ukuba baqonde indlela lesi silinganiso ibalwa.

Inani inhlawulo njalo kuchazwa njengendlela amaphesenti lemali oyinhloko. umthetho Federal sisungula ukuthi izinhlawulo ezicela ngesilinganiso esingamaphesenti 1/300 of the rate refinancing esabekwa Central Bank of Russia.

Ukuze abale esihle ngendlela efanele, kudingeka uphindaphinde isamba izikweletu ku inani lezinsuku ekukhokheni futhi izinga refinancing ngesikhathi ingxenyenamba amaphesenti 1/300 of.

Bank refinancing izinga Ungashintsha izikhathi eziningana ngonyaka, ngakho umbuzo yilokho ukubaluleka ukusebenzisa ifomula. Ngokomthetho, izinhlawulo kufanele ibalwe eceleni, ikhumbula izinkathi izinguquko iphesenti iphutha. Futhi akunandaba, anda noma kwehle izinga.

Ukudluliswa isigwebo amacala

inzalo enqwabelene angadluliselwa kanyekanye ne ukukhokhelwa uthishanhloko noma esimweni ukushoda kwemali ngemva sokukhokhwa kwesikweletu bebodwa. Izinhlawulo izinkokhelo asikwazi emalini yibhange ngaphandle kokugunyazwa, futhi ayikwazi kukhokhelwe impahla inkampani. Kubalulekile kakhulu ngesikhathi ekhokha izinhlawulo ukuhambisana nenqubo ukubuyiswa kwemali yesikweletu. Uma isikweletu ngeke abuyiselwe, le okubaliwe yenhlawulo ukuphenduka kwabo bekungaba yize, njengoba ukukhula labo liyoqhubeka. Inkokhelo yokuqala omkhulu njalo ucime.

ikhodi yentela Russian usungula kwesikhathi komkhawulo kusebenza izikweletu kuzona. Umuntu uphula umthetho ayikwazi kushushiswe emva kweminyaka emithathu, lapho kubalwa kusukela ngosuku ukuhlukumeza, noma ngosuku lokuqala ngemva kokuphela kwesikhathi intela. Ngakho-ke, izakhamuzi eziningi nezinhlangano ezingokomthetho, beqaphela ukuthi isigwebo ezifana nalokho inkathi ukusebenza kwesibopho wokuyibuyisa, hhayi ezisheshayo ubuyisele izikweletu. Lena ephule umthetho futhi kungaholela nomthelela ngaphezulu.