IOU. Drafting wevimbiso kucherechedza. chikwereti Recovery

Nguva dzose paiva tsika kukwereta mari uye kusiya bhiri. Mumwe akapa pakubereka mubereko-chikwereti, mumwe seshamwari, pasina anoda wokuwedzera muripo kuti basa rakadaro. Asi chero zvayaiva, haana kudzokera chinhu. Chaizvoizvo, sezvazvakaita zvino. Toti unozokwanisa kukwereta mari, asi unoda kuva nechokwadi chokuti zvakaenzana vachadzoka kwauri, sezvakapikirwa vanhu kukwereta mari. Sezvo yekare tsumo, "ushamwari ndiyo ushamwari, asi mari - voga." Ndokusaka pane gwaro ane nyore uye zvakajeka rokuti "IOU".

How kuti ape risiti kodzero?

Mharidzo:. "Zvacho I Mazura Leonid Leonidovich, zuva rekuzvarwa 01.01.1980, pasipoti nhamba ..., rakapa (gore nyaya), mapurisa dhipatimendi (achivaratidza simba), vakanyorwa (kunyoresa nzvimbo) uye kurarama (nzvimbo dzokugara), akatora (Verengai zvose nhamba uye tsamba) ari chikwereti pasi 20% chete annum kubva mugari Fedorova Fedora Fedorovicha, zuva rekuzvarwa 02.02.1982, pasipoti nhamba ..., rakapa (gore nyaya), mapurisa dhipatimendi (achivaratidza simba), vakanyorwa (kunyoresa nzvimbo) uye anorarama (nzvimbo dzokugara). I namaoko kudzoka akati mari kufarira (kudzoka musi) Signature.. "

IOU zvakanyorwa chete noruoko. Zvadaro, muna chiitiko chipi nharo (kana chikwereti "kupinda kuramba"), manyorero Kuongorora achasarudza munyori acho. mumwe chete wacho wakasainwa rugwaro vataipa pakombiyuta kuongororwa hakuna kukwana. Zvinokurudzirwa kuenzanisa siginicha yokutora mari chikwereti pamwe nevaya wake pasipoti. Zvinoitika kuti "nyanzvi" chikwereti nerimwe risiti itsva akaisa siginicha itsva.

Kana ukapa mumwe chikamu mari, zvinofanira sezvinoratidzwa pamusoro risiti.

Kana mari wamakapa dzimwe mari pamusoro risiti anofanira kuratidza chaizvo currency uye Gengi kudzorera mari.

IOU anofanira kuratidza (optional) musi paakadzokera mari mukweretesi. Kubva nhasi kunotangira kuverengerwa murau zvausingakwanisi apo kushandisa kudare zviremera. Murau zvausingakwanisi ndiyo 3 years. Kana risiti musi kusingajekeswi, ipapo chikwereti ichakurukurwa nokusingagumi. Varuramisirwa pano achava kwakaoma zvikuru - asati kuenda kudare yomupomerwi uchadikamwa kudzoka kubva chikwereti.

Kunyange kana debenture yakaitwa nemazvo, hachigoni kuva mari musana vimbiso. Pakutanga nayo - kutenda nechikwereti zvakanaka. Zvisinei, kuvapo zvose zvaida zvinhu kuchawedzera mukana mari shure kana iwe vanomanikidzwa kuenda kudare.

How kuwana basa chionekeso?

Kana anokwereta anoramba kudzokera mari akatorwa kwokutanga (izvo zvinoitika kakawanda), kuenda kudare. Mutemo kazhinji kacho vachava norutivi rwako. Pano haufaniri kuzopedza. Kurasika nguva kutamba newe. Zvikwereti kupora zvinoenderana muzvinhu zvakawanda pamusoro nechikwereti, uye dziya mu mhando:

- nechinzvimbo (dzinongoitika kana zviri pamutemo munhu);
- nechikwereti (kuvapo pfuma: motokari, nyika, Real Estate, etc.), kuvapo kana kusavapo mukana kupora kubva nechikwereti akakumbira mari;
- mujinga panowanikwa chikwereti vaitire (a akasaina chikwereti chibvumirano), zvichikonzera kukuvadza (zvisina mufambiro, tsaona, etc.).

Kana nechikwereti ane pfuma hunogutsa chikumbiro mukweretesi wacho munobuda pakarepo: unogona kuva refu mazita avo vanoda kudzoka chikwereti. kutanga isu akatanga dzosera mukana kubhadhara zvakawanda. Hazvina Zvakakodzera angavhundutsira ngava kudare. Tapota taura nazvo zvakananga. Zvinodiwa kudzorera chikwereti anogona kusundira uyo akatora mari kubva kwamuri kuti kutora matanho pamusoro nokubviswa pfuma kubva nokurova. Dzimwe nguva chete vachisiya nechikwereti, uye wana hazvibviri nguva dzose. Kufunga nezvokuti sei kubhadhara chikwereti pamusoro risiti, anotora mashoko nezvomunhu haana kudzokera mari. mashoko ose zvinokosha, zvose. Your kwehwamanda kadhi - zvinhu zvaanga.

Humwe Kuongorora mashoko unokubvumira kusarudza nzira yakanakisisa kudzokera chikwereti. Kazhinji, ngava vasina zvinhu, pasi zvokudya weCriminal Code, kana maitiro avo vanoonekwa kubiridzira.