How kuverenga overpayment pamusoro chikwereti uye kufarira?

chikwereti hurongwa zvino nzvimbo inokosha muupenyu hwevanhu munyika. Chete vashoma vanhu havasati nazvo, asi havazivi kuramba mukana kuti mune ramangwana. Nokuda kwaizvozvi zvinobatsira kuziva sei kuverenga overpayment. Iye ndiye mari chaiyo mari kuti inowedzerwa zvachose chikwereti, kubatsira nemabhangi kuti awane mari kubva zvikwereti uye kumanikidza yeGmail.END_STRONG kupa mamwe mari.

Chii chinobatanidzwa mu chikwereti mari?

Large uye duku mari nemasangano kuramba kupa veruzhinji zvikwereti pamusoro mazwi. Chete kusvikira zvino, vazhinji vavo kuramba kuviga nenhamba vechokwadi kuti vatengi kusangana. mubvunzo uyu ndiye zvose, sezvo pane mienzaniso yakawanda apo chikumbiro wokutanga pane vaitaura anonakidza, uye panguva kusaina chibvumirano mari siyana zvikuru. Uye kubhangi zvakarurama, nekuti vamwe parameters zvisingazivikanwi anokwereta. Chii chinobatanidzwa mu yaipedzerwa chikwereti chacho?

1. Principal uwandu;
2. Kufarira overpayment yose nguva;
3. Mari yacho kuvariritira uye kugadzirwa epurasitiki makadhi;
4. Mamwe mazai uye makomisheni.

No munhu pasina dzidzo chaiyo havazokwanisi kufukidza wakakwana mazita subtleties kukanganisa zvakakwana. Zvinoita yoga funga zvimwe parameters kuti vane rinonyatsooneka. Kutama kwakadaro huchagadzirisa chakavanzika chemabasa zvemari masangano.

EPS

Tinofanira kutanga chinobudirira chimbadzo (ESR). saizi yaro iri zvinosiyana Central Bank of Russia, kumanikidza anomukweretesa masangano kununura mutengi kubva zvisingakoshi overpayments. Kazhinji, vanhu chete kuteerera rakajeka masirogani, achivimbisa usingashandi yechimbadzo chikwereti, asi havazvioni kuti bhangi neimwe ine mwero ayo.

EPS - chine chakarurama, dzemaitirwe izvo kunoda ruzivo rwakadzama, saka zviri kashoma kushandiswa muupenyu hwezuva nezuva. Zvisinei, zvokurwisa chimbadzo haibvi pasi profitability ane chikwereti, uye chikamu mari dzisiri achiita. Kana kubhangi kunoramba kuzviratidza nokurasikirwa, nyanzvi mune kurera prices kudzivisa kurasikirwa kwavo zvinhu. Nyaya iyi inorondedzera zvakakwana guru overpayment kune masangano duku zvemari, uko vatengi musapfuura zvakakodzera nokuzivikanwa ongororo iri kuchengeteka basa.

CPM

PSK, kana kubhadhara kambani yacho inishuwarenzi, mune zvachose chikwereti uwandu. chete rinowanikwa nevanhu kunzwisisa musimboti, izvo zvinoita kuti vaifanira kufunga. Chokwadi chokuti anokwereta dzinobvumirana kuti vamwe mashoko inishuwarenzi pashure kusaina chibvumirano. Kamwe vari kumanikidzwa kubhadhara mari yakawanda nokukurumidza, kunyange zvazvo izvi munhu uye havadi. Zvinofanira kuva pachena kuti chete kana yakawanda nemabhengi vanomanikidzwa kubvumirana danho rakadaro, uye mune zvimwe zviitiko zvinokwanisika kusiya izvozvo.

Other yakavanzwa mari

Tisati kuita chikwereti, anenge munhu wose anofunga chete sei kuwana zvakakodzera mari. Muchiitiko chino, hapana anoteerera nomumwe zvinhu chesungano, chaiyo mamwe kubhadhara chikwereti chacho. Zvisinei, makore mashoma apfuura, vakanga chinetso chikuru, zvaakatadzisa kuwedzera chikuru kanoverengeka pamusoro vaviri makore. Chii Unorevei?

• Kubhadhara pakunamata;
• Kubhadhara vanyorwa nechikwereti chibvumirano;
• Payment nyaya makadhi;
• Nhoroondo rechengetedzo kubhadhara;
• Mari inishuwarenzi kurovererwa;
• Payment operative basa.

The summation zvinhu zvose izvi yekudyidzana kunowedzera PUK, iro rinomiririra kuwedzera pamwedzi kubhadhara. Makore akawanda akapfuura, mitemo Russian waitwa nemabhangi kuti segirazi chibvumirano, pashure iro anokwereta vaigona kuona kuti mari yakawanda vanopa chinhu. Kunyange zvazvo izvi hazvina kukanganisa kukurumbira kwemutongo ino munyika, apo upfumi hwakanyanya yakaderera kuwana zvose zvakanakira yebudiriro.

Commission, haana kuiswawo pakati CPM

Uyewo, pane dzimwe makomisheni dzisiri deductible panguva yacho CPM kukarukureta. Vane uchida, asi achiri zvawanikwa mundima chesungano. Unogona wozvinyora pachine kuwana munhu pamusoro isingatarisirwi.

• Overpayment nokuti mangwanani mutsividzo of chikwereti;
• Muripo kugarwa basa kana withdrawals kuburikidza ATMs;
• Kurangwa nokuti runopfuura overdraft;
• The Commission kuti kuchinjwa chikwereti mari nemamwe masangano.

zvinhu izvi havana kushandiswa mabhanga, saka kakawanda kacho sei kusarudza munhu akakodzera kupa. Kare, mutengo wavo anokwereta haana hanya, asi zvino musiyano iri wandei. Somuenzaniso, ari kushaya mari kubva kadhi epurasitiki kadhi iri ATM-party kubhengi kubhadhara kazhinji inoumba 10% payo. Nokudaro, kana kubvisa 30.000 rubles, munhu achagamuchira 27.000 chete, vamwe ndichaenda mari yokubhadhara basa.

How kuverenga yechimbadzo chikwereti?

EPS Masvomhu uye PUK tinoita chete vamiririri mabhanga. Vanhu vanofanira kukura pamwe kuziva anofungidzirwa overpayment. kukarukureta Izvi haapi zvabuda chaiye, asi achava kujekesa, sei musiyano zvichienderana nguva kana mari sangano zvinowanika.

Zvakakosha kuti Masvomhu yaitwa nyore pamba pasina rokutanga kugadzirira uye kudzidza chikwereti gadziriro hwakadzama. Pahwaro mashoko aya nevaichinja kazhinji kupa anokwereta sarudza kusarudza yakanakisisa kupedza risingamboshandisi nguva, pasina kupa mashoko.

kutanga date

Kuverenga muzana vanoda kutanga mashoko.

• PP (overpayment mubereko);
• SK (chikwereti uwandu);
• PS (interest);
• M (Nhamba pamwedzi kubhadhara);
• Oss (pakuenzanisa chikwereti ari chikwereti);
• SDP (yaipedzerwa unobhadharwa);
• DP (okuwedzera chinja).

chinhu chimwe nechimwe chinofanira pachena kuti madandemutande anokwereta, asi mumwe wavo kuti kuva zvemaoresa. Kazhinji vanhu havanzwisisi kuti nei pfungwa inoti wegore chimbadzo, asi kuverenga rinoshandiswa uwandu pamwedzi kubhadhara. Chikonzero ichi iri chokwadi kuti nguva kana waita chibvumirano yakaratidza gore rizere. Izvi zvinoomesa zvikuru Masvomhu, zvichipa zvakawanda kana zvishoma chaizvo kuva mubereko overpayment.

fomura

Formula kuverengwa muzana overpayment kudaro kuoma.

PP = SC / 100 PS * / 12 * M

Somugumisiro nyore Masvomhu, munhu unoziva sei mari yakawanda kubhadhara sezvo mubereko. Zvinokosha kutaura kuti iyi haisi kuti PUK, asi chete chiduku chikamu. Muzviitiko zvakawanda, chete neukama hwakanaka consultant mubhengi anopa mufananidzo chaiwo. Zvisinei, unofanira kupedza vaviri Counts, kuratidza zvakanakira nzira iyi yechokwadi.

Zvinoshandisa pakurima: SC = 30000; PS = 29%; M = 12 uye 24, kureva, akatorwa mubereko kukarukureta overpayment nokuda 2 mazwi: panguva kunyoresa kuti 12 uye 24 mwedzi.

PP = 30000/100 * 29/12 * 12 = 8700

PP = 30000/100 * 29/12 * 24 = 17400

Data izvi zvinoratidza kuti pakusarudza chikwereti chibvumirano kwemakore 2 years, munhu kubhadhara 2 nguva yakawanda mubereko. Pahwaro izvi zvinokwanisika kutaura akasununguka pamusoro profitability rimwe panyaya, kana varege kuteerera kune dzimwe mari.

For mangwanani mutsividzo

Zvaizoratidza sokuti unogona kuona pakarepo sei mari yakawanda zvaida kudzokera zvizere huwandu chikwereti mberi purogiramu. Kazhinji vanhu chete muchidimbu mwedzi asara, asi havana kunyange kufungidzira chikanganiso akaita. Vanofanira kuziva chaizvoizvo chii maererano mwedzi kubhadhara dzinoitwa.

1. Pagore Negore kubhadhara;
2. Mari nokuti chaiko vakasara.

Nzira yokutanga pamwedzi kubhadhara pahwaro rokutanga mufanidzo mari kudzoka purogiramu chirongo. Panyaya iyi, mari anoramba achitsungirira hwose upenyu kuti munhu sokuti akanakisisa kuzvipedza. Zvisinei, nzira yechipiri inobva dzose panyaya muzana, zvichienderana zvinoderedza chikuru huwandu chikwereti. Muchiitiko chino, pane vachiri mutsividzo pamusoro zvachose musiyano, inobva vakagadzirira akagadzirwa payakavakirwa nokuda kukarukureta.

OCC = SC-PSD-DP

Chokwadi chokuti PSD zvinosiyana zvikuru, nekuti pagore negore kubhadhara dzinosanganisira kwokutanga kwokuripirwa mhindu, uye ipapo zvishoma nezvishoma kuwedzera withdrawals ane zvachose chikwereti chitsama. Nokudaro, pashure kusaina chesungano pamwe pamahombekombe nezvirango akadaro zviri nani kwete kutaura kwake rwaikurumidza kuuya mubhadharo. Somugumisiro, izvi zvichaita kupedza mari yakawanda pasina kuwana chero musiyano zvaioneka chinoita kuti zvikwereti kwakadaro zvikuru runobetsera zvemari masangano.

A vanozvidzora Kutarira chikwereti

The chikwereti Hurongwa yapararira muRussia yose, asi vanhu vachangotanga kudzidza kuongorora yaida mamiriro kudzidza kuverenga overpayment. Hazvisi nyore kudaro, nekuti chete kudhakwa naPauro kunoita kuti tifunge "ngozi" diki iri kondirakiti. Ivowo vanowanzoenda kuva dambudziko, saka unofanira kunyora zvimwe nuances dzinokosha kuti kuchabatsira munhu.

1. Chimbadzo;
2. Zvimwe makomisheni;
3. Mhando mubhadharo;
4. inishuwarenzi;
5. The chikwereti mazwi.

Prime anokwereta pakarepo nemamiriro refu pakarongwa zvakaoma, asi hazvibviri kuita pasina izvozvo. Kazhinji, nuances duku ndivo zvakakura, saka vanofanira kubhadhara vainyatsotarisirwa.

karukureta overpayment

Zvisinei, zvinogona anokwereta acharamba vachiri kuramba kufunga chete pamusoro overpayment, kusanganisira kukosha mataundi chete mubereko prices. The pamusoro ndivo zvinhu zvichakubatsira kuchinja voruzhinji, asi zviri zvichiri zviripo kupa mhinduro.

overpayment True chero chikwereti haana kutaurwa pasina kubatsirwa nenyanzvi kubhengi mumiririri. Hazvibviri kuziva PUK, sezvo nzira nokuda kwayo kukarukureta haisi pachena nokuda mari masangano. Nokuda kwaizvozvi, kuti muzive kuti mari yakawanda kubhadhara pashure kusaina chibvumirano, zviri nani kana kushanyira hofisi. Kumbira zvakafanira mashoko, kusanganisira chitsama chikwereti zvinogona deducted zvakananga pfungwa kuona chaiyo mari. Chiito ichi Ibasa pakati consultants, saka ongorora pandaida wako hakusi nyore kudaro.

The Zvakanyanya Kunaka Panguva Yepamuviri sarudzo

Pakupedzisira, zvinokosha kutaura pamusoro Zvakanyanya Kunaka Panguva Yepamuviri sarudzo. Zvinofanira kwakavakirwa zvavo pezvatinoda. Somuenzaniso, imwe anokwereta anogona kuziva kuti mishomanana kuripa nyore chikwereti. Panyaya iyi, kukodzera kubhangi, apo pasina mhosva kuti mangwanani nokuripira.

Chinhu zviripo kupa nguva refu. Hongu, ivo yekudyidzana kuwedzera chikamu overpayments, asi hazvisi chete caveat. Kubva mupfungwa nemaonero akadai kusarudza iri Zvakanyanya Kunaka Panguva Yepamuviri vanhu, nokuti pashure yezwi pakati-rokuti, zviri kutanga kuvandudza kumunetsawo. Nokuda kwaizvozvi, chikwereti anoramba matambudziko kumhuri vechiduku nhasi. Makore okutanga oupenyu vanogara zvakaoma, uye kana zvakakodzera kupa zvaioneka pamwedzi mugove pamwe mari, zvishoma nezvishoma zvichiitika zvinonyadzisa.

Shandisa kadhi wemuTesitamende Russia zviri nyore, asi anoramba opaque. Banks mhaka kuti hapana chakavanzika pachavo anotuma yavo vatengi, asi vanhu pachavo vari kufurira pachako muzvikwereti. Havana runodiwa ruzivo, saka kakawanda kusaina chibvumirano pamusoro nezvavanosangana mazwi. Saka chero zvazvingava, unofanira zvakanyatsonanga zvose, ipapo chinyararire kuti pamwedzi kubhadhara pasina kunetseka kwazvo overpayment.