The kukarukureta wokufarira pamusoro vakakwereta mari - mazano

Kugadzirisa anonyengera Muvaki zvinosuwisa iwe kakawanda. The mitemo of Russian Federation proposes kuripa kurasikirwa mukana wokugadzirisa kubva defaulter chikamu kukodzera kushanda rechitatu-party zvinhu. Maitirwo dzemaitirwe kufarira pamusoro vakakwereta mari, izvo vanoda zvinokosha nguva panguva kurangarira, iro mitemo kuvaka - izvi zvose uchawana munyaya. Uyewo zvichanzi dzaona pamusoro muenzaniso chaiwo.

Zvinobatsirei vakakwereta mari

Mazuva ano basa zvakatipoteredza kazhinji mamiriro ezvinhu inomuka kana zvisirizvo womumwe yesangano, kunyanya mari. Hazvina nyaya dzakadaro se:

• Kunonoka yepa receivables.
• Late kudzoka zvikwereti uye Credits.
• Ipa chengetedzo buda kana zvisizvo akabhadhara mari.

The Civil Code (CC) pamusoro vakakwereta mari hunodzorwa Article 395. Maererano ino, unofanira kubhadhara chikamu kushandisa zvisina kufanira rechitatu-party pfuma, nokuti kunonoka muripo haikwani kuti Party kuti akapa yesangano, kusvina yavanowana, vangava vari vakadzoka nenguva.

Specificity mari kuti kana vari shure, uchaisa kuwedzera, zvisinei kuti muridzi kuzvishandisa. Kunyange kana vari nyore akaiswa mubhangi, zvichaita kuva chikamu. Saka, zvingava nomusoro kufunga kuti dzosera vanofanira nguva dzose kuva akakura ari kukura. The chete Kusara ndiyo chibvumirano, icho chinyatsotsanangurwa pachine mamiriro ose chisingapembedzwi kushandiswa.

Kuti kuverenga, zvinokosha kujekesa zvimwe dzinokosha: zvakajeka akaisa nguva penguva iro achava nemhosva mubereko, kureva musi iyo pane mutariri uye musi kuvakwa uchiraira kwacho, kuti chimbadzo uye nzira nokuda kukarukureta.

Sarudza nguva penguva kutanga musi

Kana isu mberi kubva Kazhinji, kutanga ndinorova mubereko inofanira kuva zuva rakatevera pashure counterparty wako haangaiti kuzadzisa ayo mitoro kwamuri. Funga muenzaniso. Rokuti abhadhare zvinhu 31.7.2015, asi mutengi akatadza kubhadhara. Somugumisiro, kodzero kutanga kubhadharisa mubereko pamusoro chikwereti kunobva August 1.

Zvinoitika kuti chibvumirano harinyatsotauri musi chaiwo waakaberekwa muripo, kana wokunzwa kana zvisiri kwokuripirwa mari, sei kuziva nguva nguva pakupomera mubereko? Muchiitiko chino, kunobva musi kudiwa. Izvi zvinoreva kuti chikwereti kunodiwa kudzorera mari mukati pavhiki kubva chokwadi, sezvo akanga apindwa chikumbiro mubairo. Pazuva rorusere unogona zvakachengeteka kuitisa dzemaitirwe kuti marangirwo kuti zvisiri pamutemo kushandisa mari yako.

Mutemo anofanira anyorwe, zviri chinodiwa kuti yaive ndavakumbira ndechokuti nechikwereti vakagamuchira gwaro.

Sarudza musi slots kuvhara

Mubereko kukarukureta kunoitika munguva yose nguva kusvikira counterparty anokundikana kuzadzikisa ayo mutoro. Somuenzaniso, mune muenzaniso wedu, mutengi akaita zvakafanira mari kuti nhoroondo boka rako 08.08.2015. Somugumisiro, kufarira achapiwa dzakava nokuda nguva kubva August 01 kusvika August 8.

The chimbadzo

Maererano nemitemo, kuti chikamu vakakwereta mari yaidiwa kuti dzaona maererano ari refinancing zvazvingava, kuitika panguva chokupika vaitire. On September 14, 2012 zvakanzi mvumo uwandu 8.25 uye kubva ipapo harina yakadzokororwa. Saka, funga mubereko raunoda achishandisa ichi zvazvingava.

kunyatsotsanangura Kunokosha. Article 395 wokutanga ndima dzemunharaunda apinda simba chete kana mapato chibvumirano havana kunyoresa kuti chimbadzo dzemaitirwe kuti fines chokunonoka zvisiri pamutemo. Kana mapato pfungwa iyi chibvumirano akatora Kufunga, ipapo kukarukureta unoitwa pachishandiswa pakati prices raanotaura gwaro, pane refinancing zvazvingava, maererano, zviri mari kuti yakasiyana.

We kuita kuverenga

Ngatiregei zvino isu kuita dzemaitirwe kufarira kushandiswa vakakwereta mari. Taifunga kuti chikwereti zvinhu vakasvika 100,000 rubles. upenyu Service mazuva masere. 100 000/100 * 8,25 = 8250 rubles. Ndiyo mari nokuda kwegore, uye tinofanira kuverenga muna 8 mazuva. Maererano nemitemo, nokuti kukarukureta kufarira Vanzveri kuti mazuva 360 pagore, saka 8250/360 * 8 = 183.33 rubles.

Kana zvinogona kushandiswa kuverenga yakasiyana inonyatsoita:

SummaProtsentov = (StavkaRefinansirovaniya * * SummaDolga KolichestvoDneyProsrochki) / 36000

Tinotenda fomura ichi: (8,25 * 100000 * 8) / 36000 = 183,33 rubles. Shandisai kukarukureta sarudzo kuti iwe uwane nyore.

PaIndaneti unogona kuwana macalculator inokosha achakurumidza kuita kukarukureta wokufarira pamusoro rakumbirwa mari. Iwe zvinoda kupinda rinokosha tafura uwandu chikwereti uye nguva kuti iyo yakaumbwa. The kukarukureta rinoitwa pakarepo. Uchaona kwete chete wokupedzisira mari, asi mari chete zuva kunonoka kuva chikamu uye rubles.

Chete mukana wokuti vanhu vanga rinowanikwa Zvirango mitero uye mari, chikwereti kuti utility basa nezvimwe kubhadhara. Kuziva mutoo uyu kuchakubatsira vakazvimiririra iratidzwe Kururama dzemaitirwe uwandu fines pamusoro zvikwereti zvenyu.

pamutemo zvinyorwa

The kukarukureta wokufarira pamusoro vakakwereta mari yakaiswa dzinoverengeka magwaro normative:

• anokosha gwaro - the Civil Code, Article 395;
• kutanga pamusoro nguva penguva kuti kukarukureta kuti muzana yakatarwa maererano zvokudya 191 Article CC RF;
• kuguma nguva penguva mubereko accrual uye mashoko masikati yegore pakuverenga ari interest of Central Bank of Russian Federation chichasimbiswa kwauya nechirevo 08.10.1998, nhamba 13/14, izvo nekanzuru Plenum Supreme Court uye Supreme kuyananisa Court of Russian Federation uye 316 statyaGK;
• kugadzirisa chaizvo zvakaitwa chimbadzo kuti titungamirirwe, iri huri kutonga 01.07.1996, nhamba 6/8, izvo nekanzuru Plenum Supreme Court uye Sac;
• of refinancing mwero Data zvirimowo pamusoro Website of Central Bank of Russian Federation.

Pamusoro kukarukureta kuti muzana vakakwereta mari rine zvakatowanda nuances uye subtleties, asi kakawanda mashoko hwacho kumusoro, zvaizova zvakakwana kuti afumure counterparties uye nemari kuunganidza fines.