Kukarukureta kuti zviripe nokunonoka muhoro. kubhadhara muripo

mushandi wese anekodzero kuwana muhoro, uye mushandirwi vanosungirwa kuiripa. Inogona mhosva nokuda siyana enyika. Kana Manager asingagoni kubhadhara mubayiro kune vashandi nenguva, vanogona zvinoda kuripwa. Akadaro mukana inowaniswa mune basa mutemo. Zvakadini kana kambani dzakatanga muhoro kunonoka? Where chokunyunyuta pamusoro mudonzvo? Regai titsanangure mberi ichi.

The yapera dambudziko

Kutadza kutevedza pamwe mushandirwi chete deadlines nokuda kwokuripirwa mari kuti vashandi, ndiye nhasi nokururamisira kwakapararira kutyora mitemo basa. Nokuti mhosva iyi mushandirwi kungava zvematongerwo yaiona, mari kana mhosva kuita. Labor Code anovamba nhamba zvinodiwa kuti nzira yose kukarukureta kuti s / n. Zvikurukuru, chinofanira exchange kanenge kamwe ose 2 weeks. Nguva iyo vashandi vanogamuchira remuneration basa ravo, ushandiswe ari seboka kubvumirana. Kana kuputswa, vashandi vari kodzero muripo nokunonoka yokubhadhara mubayiro. Izvi zvichaita kwete basa zvakamira zvaitika. Muripo chokunonoka rinoitwa uye kana zvakatora nzvimbo kwete kuburikidza mhosva yacho mushandirwi. Pane imwe nguva, nyika yave wokurera kwakapararira mubayiro kunonoka ehurumende vashandi. Pari zvinhu kwakavandudza zvishoma, asi kutyora okuti ichiri nyaya.

basa

Kunonoka kubhadhara mubayiro anofanira kutsiviwa;

1. Fine, kukura zvinogona kusvika 50 zviuru. Kwiza nechekuzasi.
2. Suspension pakati mabasa zvavakanga vachida kuita kuti 3 months.
3. Vachinyunyuta neKusharwa kweVanhu of mushandirwi kwemakore 1-3.

Zvapedzisira chiyero rinoshandisirwa pakuparwa akadzokorora kutyora chibvumirano yokubhadhara mubayiro.

Specificity muripo

Kunonoka muhoro nokuti mwedzi vari dzaona kwakavakirwa chikamu mwero 1/300 of Central Bank. Saizvozvowo, uchiraira rinoitwa panguva kudzingwa uye mbudo pazororo. Kukarukureta kuti zviripe nokunonoka mari kunze nokuda zvakakwana, kusanganisira pachine mubhadharo uye shoma. Muripo haangakoni pasi. Pakadaro, kana musi chionekeso rinobatana zororo, zvinofanira kuitwa chinotangira accruing, kuitira kudzivisa okuwedzera mari.

mushandi kodzero

Kana kuripwa mari Kunonoka 2 weeks kana kupfuura, mushandi anogona kuzivisa maneja kunyora kuti chinomisa basa kusvikira zvizere mutsividzo chikwereti. Mushandi zvinogona ikwidzwe suit mudare. Practice inoratidza kuti vakawanda Zvinotaurwa vashandi, kunyange kana mhosva maneja mari iri kunonoka imomo. muripo vagara vandifungira chisarudzo dare pahwaro ane basa chibvumirano. Kamwe mushandi anenge chikumbiro, haangaswederi kushanda. Zvisinei, pashure chisarudzo mudare nyasha dzake, iye vanosungirwa kuva nyanzvi mubasa kambani. Zvikasadaro, Kusavapo kwake basa kubatwa somunhu ane nechirango mhosva. Kazhinji, waunoshandira achamutsiva mukuru mari, uye kuverenga kuti muripo nokunonoka mubayiro hakuiti kubereka. Izvi ndizvo chaizvo chikonzero kuenda kudare. Kana kunonoka kuti kuripwa anopfuura 2 months ari mushandirwi aigona kunangana mhosva kuita. Kunosanganisira zvakanaka anosvika 120 zviuru. P. uyewo mujeri kusvikira makore 7.

Kukarukureta kuti zviripe nokunonoka mubayiro

Uchiraira rinoitwa kushandisa mutoo:

Mari uwandu chikwereti = X (% zvazvingava CBR / 300) X Nhamba mazuva kunonoka.

Zvinokwanisika kushandisa zvinotevera zano:

Muripo = Z / X nhamba mazuva X 1/300 X ST apo .:

• s / N - uwandu chikwereti;
• Mazuva - nguva kunonoka;
• Art - the refinancing unodiwa.

mienzaniso

Toti, zuva rechi20 romwedzi mushandi akagamuchira chinotangira 5 zviuru. P. mari yake 15 zviuru. P. Muhoro mushandi vakagamuchira 23 anotevera mwedzi. Maererano purogiramu, nokuripira nguva ndiyo 5 nhamba. Muchiitiko ichi pane kunonoka mazuva 18. Kukarukureta kuti zviripe nokunonoka mari kunze vachishandisa mwero 0,082:

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

The dzosera mari haisi saka guru uye, zvakadaro, mushandi anofanira kuzvigamuchira. Funga mumwe muenzaniso. By seboka kubvumirana chokunonoka muripo s / N iri 0,06% pazuva. Toti, nokuti kukarukureta yaJuly 2014 uye kutambira s / N muna August vakaitwa musi September 17 iroro. uwandu muzvikwereti muna July - 30 fung weruwa, muna August - .. 50 zviuru S. .. The kukarukureta rinoitwa maererano okuti:

• 30 zviuru. P. (July) - Mazuva 43 (dzemaitirwe yakaitwa musi August 6);
• 20 zviuru. P. (Advance muripo August) - mazuva 28 (kubva 21.08 pa 17.09);
• 30 zviuru. P. (S / N August) - mazuva 12 (kubva 6.09 pa 17.09).

The kukarukureta iri sezvinotevera:

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

nuances muripo

Sezvataurwa pamusoro apa, kana mari kunonoka muripo rinowanikwa ne Central Bank unodiwa. Minimum Izvi zvinogona ngazviwedzerwe pasi chibvumirano mabasa kondirakiti. The Zuva kunonoka rokutanga richava zuva rinotevera mubhadharo pashure s / N chaiyo. The wokupedzisira - Nhamba chaiyo nokuripira. Kana kushandura kukarukureta pamusoro mwero Central Bank inofanira vakatsunga yoga chimwe chakarurama. muripo mari inowedzerwa s / n. Mushandi anogona nenzira Anonyorwa chiziviso zvokugumisa mabasa vachida. Zvisinei, mutemo, makasimbiswa zviitiko apo mushandi akakodzera ezvidzidzo murege:

1. Apo mauto atonge.
2. Mushandi anoshanda panguva zvebhizimisi, ichipa National kudzivirira, kana masangano mamiriro.

Kunonoka muhoro: apo kuzovakwirira?

Chokutanga, tinofanira kuedza kugadzirisa zvinhu murunyararo. Kuti aite izvi, mushandi anoreva zvakananga nomusoro mashoko pamusoro kuripwa muripo nokunonoka. Kana mushandirwi kuteerera yakwidzwa, mushandi anonyora chiziviso kuti kumbomira basa. Maneja anofanira kusaina kopi chiziviso. Kana akaramba kuita kudaro, ziviso anogona kutumwa vakanyoresa tsamba. Mushure ziviso kuti mushandirwi haana yakagamuchira tsamba kuuya, basa unogona umbomiswa.

Labor mitemo iyi nyaya zvinoda musoro kambani kubhadhara downtime kunze muripo nokunonoka mari. Uchiraira rinoitwa maererano paavhareji s / n. Kana maneja akatuma munhu nehanya chido chacho kubhadhara, mushandi anofanira kudzokera kubasa. Kana nzira rugare kugadzirisa nyaya akatadza, mushandi anogona kushandisa kuti pamwe zvinodiwa akamisa basa kugadzirisa basa nenharo. sezvamunoita kwayo kunofanira kuva vamiririri tsvimbo uye mushandirwi zvienzane nhamba. Zivisa mubatanidzwa kuva papera pane 3 months kubva pazuva kunonoka rokutanga. CCC vanofanira kufunga uye kunyora application mukati memazuva gumi, uye kuzivisa mushandi. By zvasarudzwa musoro Commission chinodikanwa kubhadhara chikwereti mukati 3 days. Kana mushandirwi haribvumirani, anogona kuenda kudare.

basa rokuongorora

Mushandi anogona ikwidzwe kushanda kuti rova. Zviri pakuraramisa ruzivo pamusoro pachavo, zita, kero zvavakanga vachida kuita, zita mutungamiriri. Mashoko okuti zvinofanira zvakajeka hunhu dambudziko, chokwadi anoratidza mari uye izwi chikwereti. Kana paine uchapupu vachangobva muripo, zvinokurudzirwa kuisa navo application. Chinhu chinodiwa kuti kopi mabasa kondirakiti. Application pamwe pakapfava vanogona kupinzwa pachedu kana kutumwa vakanyoresa tsamba. Nehanya rinoitwa mukati mwedzi. In Pakusarudza kana pakakuvara mitoro kuti mushandirwi vachaudzwa nezvaidiwa chokukuripa chikwereti. Panyaya iyi, mushandi ane kodzero unilaterally kugumisa chibvumirano pamwe mushandirwi.

Legal mukana wokuzvidzivirira

The mutsara vanoti rwunotumirwa simba pamwe chikumbiro basa uchapupu. Ndivo: chibvumirano, uye basa nhoroondo. The Code of Civil Procedure hwakagara zvinodiwa wokucheresa kukwira kurapwa. Kutadza kutevedza, dare angadzokera wacho zvokuti. Nepo kugutsa zvinodiwa mushandi achawana Gidheoni rokuurayira. Maererano wechikoro anogona rakapa pazuva chisarudzo. Kana mari akasara, ipapo munhu Gidheoni kuurayiwa neiyi ichange ichiwanikwa pashure kubatana kutongwa ari chiito. Sechikamu acho, unogona zvinoda muripo tsika kukuvadza. Pakadaro, kana muhoro dzakava, asi kwete kubhadharwa, mushandi akakodzera kuzoitawo mejasitiriti. Panyaya iyi, enyaya anofanira ichiitwa rinokosha ndarayira. Panoperera nyaya yakwidzwa yacho nekanzuru Unorudzi dare. Iye Gidheoni kuurayiwa neiyi uko mushandi iri FSSP.