Kukarukureta pamusoro fines

Chirango - ichi chimiro kurangwa, zvakatemwa nokuda yakasimbiswa dzekuziva kuti kunonoka chokupika muripo wayo sungiro pamutemo kana dzinongoitika munhu. mubereko kukarukureta iri nyore, uchazonakidzwa kuita izvi uye munyaya ino tichaedza husava basa izvi.

Dzimwe nguva mukuita zvebhizimisi, uye neimba, zvakare, tinogona kunonotsa kubhadhara chero mari. Izvi zvinoitika nezvikonzero zvakasiyana-siyana, Somuenzaniso, une zvakawandisa kupedza mwedzi uno, uye zvachose hapana mari akasiya kubhadhara mitero, utility kubhadhara , uye zvichingodaro. Dzimwe nguva vanhu anongoti banal kukanganwa pamusoro rokuti muripo kuurayiwa kana kurasikirwa risiti pamwe zvakafanira mubhadharo mashoko. Muzviitiko zvakadaro zvakafanira kugara pasi ari oga panguva kombiyuta uye kutanga kuita chaiyo kukarukureta kuti fines.

Chokwadi, masangano kuti vane ngava, nehanya kwavo zvakanaka, uye zvibvumirano ushandiswe kuti kana kukurumidza kuzadzika counterparty zvayo sungiro zvemari, zvichava vanosungirwa kuti zvimwe zvokuwedzera kubhadhara, nokuripira pamusoro inobvira kukuvara. Zvichitaurwa zviri nyore, mutongo achaparadzwa akaverenga, riri pasi zvairayirwa mubhadharo. Zvechokwadi, nekuti kana ari kubhadhara kubuda nguva, zvinoitika kuti vaya vane zvikwereti kukodzera kushandiswa vakakwereta mari. Uye mitengo pamusoro nguva "anodya" kukosha mari.

Chokwadi, pane dzimwe mitemo kuti mubereko accrual basa Somuenzaniso, hazvifaniri kusapfuudza kukosha chibvumirano, umo mari vari nonoka.

Kazhinji, kuti mubereko kukarukureta kunofanira kuitwa sezvinotevera:

SP = SP * CD * 1/300 * CP

We decipher zvakamisa hurongwa fomura ichi:

SP - uwandu fines;

NW - mari nechikwereti pasi chibvumirano;

CD - uwandu apfuura yakafanira mazuva;

300 - ndiwo avhareji nhamba kushanda mazuva pagore ;

SR - kushanda munyika mwero refinancing.

Kazhinji mashoko, pamusoro apa payakavakirwa, nokuti idzodzo kana Somuenzaniso, anoti Zvirango kuti mukupera mubhadharo. Hapana kuoma, ingotora chibvumirano chako, kuwana nzvimbo mauri, iyo inorondedzera chitsama kwayo. Mushure kuwana pana izvo ramakanzi nguva chokupika enyu aite mari. Ipapo akaverenga zvakadini zvawakakwereta abhadhara yako. Shure Pakusarudza mari iyi, muwande mairi maererano nokuwanda nonoka mazuva, sezvo refinancing zvazvingava, uye ipapo zviparadzanise mazuva ose 300. Somugumisiro, unowana mari yefurawa kubhadharwa.

Nokuti vamwe vaverengi pane wakanaka mubvunzo: nei zvakakodzera kuti muwande kunyange refinancing mwero? Just chakarurama ichi, pakutsvaga Central Bank, zvinoratidza kuitika mitengo munyika, mukuwedzera, anoritsanangura anoti zvikwereti zvose. Uyewo chikwereti, akaumba panyaya mukupera kubhadhara sungiro kungava conditionally kubvuma chikwereti, zviri zvikuru vakanaka kubhadharisa imwe chikamu, kufungisisa inflationary kuitika munyika.

Kana iwe chikwereti hurumende, nemiwo kubhadhariswa. Kukarukureta zvinhu mitero yakarumbidza kubudisa maererano tsamba kubva kuBazi Finance March 18, 2008 N 03-02-07 / 1-106, iyo inotaura kuti kana usina vanobhadharwa nguva imwe mari iwe chikwereti mutero, ipapo rimwe karenda zuva , iwe uchava kubhadhariswa kuti mamiriro, iro rinowanikwa yakavakirwa chikwereti chako. A yakanaka kwazvo achaparadzwa dzaona pahwaro Chikamu 75 Tax Code.

Kana usingakwanisi kuverenga chirango, unofanira kuenda nyanzvi. Zvisinei, zvakanaka kuti kunonoka ne kubhadhara zvikwereti zvayo, ipapo vachava kuonekwa uye Zvirango, iro raizova urombo chaizvo kupa, nokuti, sezvamunoziva, regai kumuwana, uye kupa - chizvarwa.