Sale muzvikwereti vateresi. The chibvumirano waakazvitengesa zvikwereti yokupira masangano uye vanhu kubudikidza nemabhangi vateresi: mharidzo

Kana uchifarira nyaya iyi, zvingada muri kare wakakodzera chikwereti, uye nemi chetezvo zvakaitika noruzhinji chikwereti - chikwereti kutengeswa. Kupfuura zvose, izvi zvinoreva kana waita chikwereti muri kuedza mari mumaoko nekukurumidza, havarangariri zvakakodzera kuongorora chibvumirano nokungwarira kuti.

Kana pamusoro hairevi here, imi munoziva, vari navateresi sei kutengeswa zvikwereti nokuda mabhanga, vachava vachiri panzvimbo. Pashure pezvose, kana iwe kana mumwe munhu waunoziva ari mumba vakauya naanamai, musana zvose haana kubuda. Saka, kuziva sei kuita mumamiriro ezvinhu akadaro, zvichava zvakanaka zvikuru.

Ndivanaani vateresi?

Vanhu vazhinji vakanzwa shoko, pakarepo fungidzira edakogo pumped " 'mukoma', chikamu chikuru zvikuru chiri murume ane Baton, zvehura kwenyu chikwereti. Kutaura zvazviri, zvose hachisi kudaro zvaisiririsa. Nzira yakadaro rokugogodza vachibudisa mari - mhosva. Vaiva refu kubva vanhu vashoma vanoshandisa.

Kutaura zvazviri, muteresi kambani vashandi - vanhu vane dzidzo zvoupfumi / zvemitemo kana vane dhipuroma wepfungwa. Vaimbove Magadhijeri zvivako izvi naJessica kakawanda.

Chinangwa pachikamu sangano netsvimbo iri kudzorera chikwereti. Vanogona kukudana, nyora tsamba, pandaishanyira munhu kumba uye kubasa, uye kushandisa dzimwe pamutemo nzira. Sale muzvikwereti vateresi musingavapi kodzero kutyisidzira iwe nemhuri yako, kukuvara pfuma, kutyisidzira, uye dzimwe nzira dzakafanana. Zvose izvi zviri chikonzero nyaya yako kumapurisa.

Sei kubhangi akatengesa chikwereti chako?

Ichi chinhu chinokosha, idzo hazvigoni kungotariswa. Chero chikwereti chibvumirano hazvo chinyatsotsanangurwa mamiriro ezvinhu ayo pamahombekombe anekodzero kupa chikwereti kumapati rechitatu. Ndicho nomukurumbira chikwereti kutengeswa. Ndiko, kubhangi, kukupai mari, anowana kodzero navo shure. Kwakadaro kodzero pasi pemurairo zvinogona kutapukira munhu zvose pamusoro akaripa hwaro uye mahara. Asi chokwadi, kuti munhu asi vateresi, ndiye "mufaro" hakusi zvakakodzera. Cherechedza kuti iwe kubvuma kuchinjwa chikwereti hapana anokumbira asi wazivisa chokwadi ichi zvawakakwereta.

Kakawanda, zvikwereti izvi vanotengeswa vateresi:

• kwete yakasimbiswa neboka rubatso kana rubatso;
• mutengi;
• overdraft;
• pasi pacho idukusa zviuru 300. rubles.

Most vanowanzoshanda nemakasitoma pamusoro mabhanga dzavo hazvibatsiri, vari yakanaka kutengesa. Pashure yepamutemo mari anogona kuva kupfuura chikwereti pachayo.

Izvozvo zvinogona kuita kuti bhangi?

Sale vanhu zvikwereti iyi inogona kuitwa nenzira mbiri:

• dzinoita mabasa kuti adzikunure chikwereti;
• kwokupedzisira kuchinjwa chikwereti dzevanhukadzi kune mumwe munhu.

Nzira yokutanga - mhedziso nechibvumirano nourongwa muunganidzwa mabasa. Panyaya iyi, kuti muridzi kuchagara kubhangi, uye nomuteresi anogamuchira basa basa. nzira iyi ndiyo kunobatsira kuti munhu anoda kubetserwa. Kunetseka mukurumbira wavo, kubhangi kungwarira chaizvo kutaura kuti sarudzo yacho munhu anoti chinhu ndechake, uyewo nzira basa rayo. Izvi zvinoreva kuti chikwereti ari Zvechokwadi, ichava kunetsa foni, tsamba uye kushanyira, asi matanho aishanda vava kuda chii anobvumirwa, ungangotarisa Handidi,.

The Ipfungwa rechipiri - zvachose chikwereti waakazvitengesa kana chibvumirano kuti basa mukweretesi. Izvi zvinogona mune chikwereti ndakasuruvara. Chokwadi ndechokuti mushure kuitira vateresi Bank anogutswa mari yakagamuchirwa, uye yaimbova chikwereti haisi chero nzira kufarira. Saka, havana hanya uye matanho paakakumbira dzosera. Naizvozvo, vateresi, kunyanya kunaka, zvakare, musazeza. Nokufamba zvose mvumo, uye dzimwe nguva nzira zvisiri pamutemo.

Sei nyaya yacho chibvumirano basa

gwaro kwakadaro inonzi basa chibvumirano kana chibvumirano pamusoro basa kodzero zvinodiwa. It ndicho chisarudzo mumamiriro ezvinhu akadaro, sezvo kutengeswa yemakambani chikwereti (uyewo mumuviri). kuti chikwereti mvumo nokuda kwemamiriro chibvumirano kwakadaro hakuna kuzvireva.

Cession rinoshandiswa munzvimbo dzakawanda, kwete chete anomukweretesa. Asi, maererano nomutemo Russian, chibvumirano chakadaro hazvigoni akagumisa maringe pachedu wazvipira. Somuenzaniso, muripo kuti zvinhu uye tsika kukuvadza, gupuro haangakoni transferable.

Akadaro chibvumirano rinowanzova muzviitiko apo mukweretesi havagoni unganidza zvikwereti pachako. Dzimwe nguva, vanhu uye zviri pamutemo masangano mubvumirane kamura nenzira iyi vavapo mitoro. chibvumirano kwakadaro kunogona kupera kana kuti muripo kana mahara.

Mapato sungano

Kana akaita chikwereti sale, mapato ari kutengeserana ndeinotevera:

• assignee - munhu anotenga muridzi mutsva kodzero dzomunhu;
• assignor - uyo anotengesa pakutanga chikwereti.

Sangano vanosungirwa kubhadhara chikwereti, kunyange iri mubato kuti chibvumirano chakadaro, haisi vaitirei pati wechitatu, sezvo ayo mvumo nokuti kutengeserana haisi kuzvireva.

Zvichienderana nhamba uye maitiro mapato kutengeserana kondirakiti basa inogona kupatsanurwa sezvinotevera:

• Sale pakati yemakambani chikwereti pamutemo masangano - saka kazhinji anotarisa zvinoitika nokubatanidzwazve zvavakanga vachida kuita. Kutaura chokwadi chete kuchinja zita nechikwereti uye repamutemo pachayo inoramba zvakafanana.
• Kuchinja chikwereti pamutemo munhu dzinongoitika vanhu - Kazhinji liquidation chikwereti zvinotora pamusoro aimbova mukuru. Zvikwereti hwakatamisirwa kwokutanga itsva pamusoro chete mashoko uye zvakafanana papi.
• The Chibvumirano pakati mumuviri vanhu - kubatsira kunyoresa mbiri, weboka pfuma pamusoro kurambana, kubhadhara zvikwereti vabereki vevana uye zvichingodaro.
• Tripartite chibvumirano basa - kana chikwereti iri nezvokudzokera kuti chikwereti chake vakatengesa, uye ichi runoratidzwa siginicha yake.

Chero mhando chibvumirano chebasa dzebato kungava muunganidzwa sangano.

Features chesungano uye mariri

The chibvumirano waakazvitengesa muzvikwereti (mharidzo pasi apa) anofanira ane zvinhu zvinotevera:

• uwandu chikwereti;
• Kuvapo uye uwandu mutongo;
• Munongedzo kuti chibvumirano yepakutanga, mhedziso iyo chamuita kuti chikwereti;
• nguva furemu umo zvakanga zvakakodzera kuti kubhadhara chikwereti;
• onana ruzivo uye pamahombekombe mashoko aya;
• nokubatira zvavakatemerwa pamusoro nechikwereti.

Zvichienderana yezvinoreva chibvumirano pakati cession zvinogona kushandiswa munzvimbo zvoupfumi basa:

• basa kodzero kudiwa zvivako - iyi nzira unogona kutengesa mufurati, akatenga munhu chikwereti, kunyange kana chikwereti isina kubhadharwa;
• cession rweinishuwarenzi - kuchinjwa kungangokonzerwa njodzi zvimwe IC;
• Basa zvinodiwa kuti wedzerai zvibvumirano - kushandiswa factoring, kuti ndiyo yaitikoka murevereri bhengi, ine kodzero kuripwa of receivables;
• Kutengeswa muzvikwereti chibvumirano chibvumirano ;
• cession mu chikwereti rwezvemabhengi nemasangano - chikwereti muunganidzwa sangano okutengesa;
• basa kusauka - imwe nzira yokuderedza nhoroondo receivable.

Signs kuti chikwereti chako chakatengeswa

Sezvaunoziva, nokuti pamutemo masangano haasi kakawanda anova chikwereti kutengeswa romuromo, uye dzimwe nguva ndiye yokuzvidira uye kwakanaka. Chii chingataurwa pamusoro zvikwereti, zvakagadzirirwa nevanhu. Zvadaro kutenga chikwereti vateresi kazhinji anova kushamisika.

How kunzwisisa kuti chikwereti chako chakatengeswa? Unofanira kutanga kunetseka kana:

1. Magamuchira kunoda kubva vasingazivikanwi vanhu nezvaidiwa kubhadhara chikwereti. Kuchenesa, vanozviita nezvakataurwa zvakarurama, uye akapa kutumira vakanyorwa tsamba basa chibvumirano.
2. Haukwanisi kubhadhara pamwedzi muripo uye kupindurwa kuti "nhoroondo kwave akavharwa." Zivisa kubhangi kuti tsananguro. nemamiriro ezvinhu akadaro aigona kuva chiratidzo chokuti iwe rakazaruka dare zvekufamba.
3. It akapiwa chiziviso muzvikwereti muunganidzwa kambani kuda kubhadhara chikwereti. Kazhinji kacho chava kutengeswa. Mamwe mashoko anogona kuwanikwa kubhengi kana panguva runhare nhamba inopiwa mutsamba.
4. Makagamuchira chiziviso kubva kubhengi kuti chikwereti wenyu akatengeswa kupati rechitatu. Izvi zvinogona kuva tsamba, SMS, runhare, kana zvimwe nzira. Kana uchine mibvunzo, unogona zvakare kutaura tsika zvemari kuti tsananguro.

Zvinotaurwa nechikwereti?

Chinhu chikuru - musavhunduka. Unofanira kunzwisisa kuti zvinhu hazvina kuchinja zvakawanda vanogona kufungidzira vateresi. mitoro yenyu kuramba chete, kuchinja chete akakweretesa, asi zvechokwadi kwete zvinhu chesungano. Izvi zvinoreva kuti, pasinei anoyera kukosha kwauri kana kushandiswa, haufaniri hako kubhadhara chimwe chinhu pamusoro uye kupfuura inopiwa chibvumirano chepakutanga.

1. Wana maoko enyu pamusoro kopi basa chibvumirano. Izvi zvinogona kuitwa kubhengi, uye dzimwe vateresi. Kana chibvumirano kwakadaro asipo, haufaniri kubhadhara chinhu, kusvikira nguva yakadai hazvizozivikanwi wakabudiswa runoenzanirana Mutongo wedare.
2. Tsvagurudza chaiwo huwandu chikwereti kufungisisa uchida tsanangudzo: mutumbi chikwereti, kufarira, Zvirango, fines, uye zvichingodaro. Kuti aite izvi, kuti chaiyo chitupa mubhangi.
3. Unganidzai zvose zvinogoneka mapepa ane chikwereti: chibvumirano, chibvumirano chokumbofanobata chitupa guarantors, nokuripira purogiramu, mubhadharo pakutengeserana. Mashoko pamusoro chikwereti nhoroondo, izvozvo zvakajeka kuti kana iwe kubhadhara.

All magwaro aya kuchabatsira mukubata muunganidzwa sangano, kana kubatsira mudare. Uye yeuka: Kana usina vateresi pane maoko chibvumirano pamusoro kutengeswa chikwereti chako, havana kodzero kubva kwamuri mari.