The kusauka woga; sei kuti vashongedze zvakanaka? How kuti kusauka Nat. munhu kubhangi, kana pasina pfuma?

Maererano nenhamba Joint chikwereti Bureau, yose basa vokuRussia kumasangano vezvokutengeserana kunopfuura mabhiriyoni 700 rubles. Uyezve, nhamba iri kuwedzera gore negore. Fani iyi ane zvikonzero zvizhinji, asi vakawanda vavo - hupfumi uye zvoupfumi kuGreece, izvo kunyimwa vazhinji vomunyika yedu zvinopa mari. Kana chikwereti wazvipira kare yekudyidzana pfuura uwandu mari uye kubhadhara zvikwereti hazvibviri, asi mugari anogona pakudimurisa kusauka. Sei kuti kusauka mumwe, ndiwo nzira iyi?

nhandare

The Chaizvoizvo rose uye zvimwe vagari kusauka kurapa mumashoko Federal Law №476 «On insolvency", iro rakagamuchirwa panopera January 2014, uye akapinda nechisimba chete muna 2015. sei kuti kusauka munhu? nyaya iyi inonetsa vakawanda vokuRussia.

Maererano murayiro uyu, kwete vanhu vose vanogona kuva vaida chikwereti zvokuyamura. Sei kuti kusauka munhu chikwereti? Kuti aite izvi, unofanira kuita zvinoenderana ezvinhu akawanda:

• chikwereti Total pamwe dzakava fines atopfuura chikumbaridzo 500,000 rubles.
• Citizen haadi kubhadhara chikwereti kweinopfuura 3 months.
• Huwandu pamwedzi chikwereti kubhadhara kusapfuudza uwandu mari.
• Mari pfuma yesangano iri chikwereti asingakwanisi kufukidza huripo chikwereti.

Saka, kusauka ari mugari uyo asina mari yakakwana uye pfuma, iyo aigona kutengesa abhadhare zvikwereti zvose. Apo vose pamusoro ezvinhu enyika kusauka nzira inogona yakatanga.

Panguva ino, mutemo Akave nokuvandudza, saka zvino anokwereta anogona pachake asina vanoshingaira kushanda chikwereti masangano kushandisa nokuda kusauka rwokuzvarwa munhu. How kuti chinzvimbo ichi?

Kana chikwereti zvachose haasati asvika dzinonetsa kukosha, mukwereti anogona taurirana navo chikwereti kugadzirisa. Asi kana Nhaurirano havana zvibereko, uye uwandu chikwereti riri kukura, zvakakodzera kuenda kudare. Vanhu vanogona kududzira insolvency zvavo zvemari mune 30-zuva nguva pashure yakadururwa pavachaona kuti havakwanisi kuita mari pamusoro nhoroondo. nguva iri kupiwa kutsvaga mari kuzvidzora uye pakunamata kutaura.

migumisiro

Pamberi kusauka nyaya, unofanirawo kuverenga uye pamigumisiro nzira iyi. chikwereti Vazhinji vanofunga kuti izvi zviri nyore kunzwisisa uye kunongova chokungoendawo. Zvisinei, kuziva kukundikana zvikuru zvakakomba.

Munguva kusauka zvekufamba chikwereti anorasikirwa pfuma yake. zvinhu zvose pfuma, inomirira kukosha yakakwana inogona akaziva, uye mari nomutengo wavo uchaenda kubhadhara chikwereti. Mushure nzira, kusauka chinhu chakaipa chikwereti nhoroondo. A mugari ari kunyimwa mukana kuti atore zvikwereti uye zvikwereti mune ramangwana. kwema All kuwana pfuma kana kuchengetedzeka, uyewo hombe munguva-gore 3 mushure kuziva insolvency achava zvakafanira kuwana kufarirwa maneja zvemari. Mugari kusauka mukati 3 years haana kodzero vane utungamiri uye zvikuru akazaruka yavo mubhizimisi.

Processing nguva kunowanzoitwa mwedzi mitanhatu, panguva iyo chikwereti iri kunyimwa mukana kuenda kunze kwenyika (dzimwe nguva kunyange kupfuura mwero guta), uyewo yaro utariri pfuma kodzero. All kuitika kwema uye mashandiro muchando, uye avo vakaitwa asati chikumbiro kudare, pasi kuongororwa. Ivo nechisimba ichiputswa kana nyanzvi chokwadi pamutemo kwomwoyo.

Chii chinofanira kuitwa vasati pakunamata kutaura?

Saka, kana ukasarudza worongedza kusauka woga, kuti vashongedze uye chii kugadzira magwaro kushandisa kudare?

To vanoti unofanira:

• Nyora chikwereti uye chikwereti (zvinokoshawo kuti kutaridzwa mashoko, mashoko kudzoka uye kukura mari, kana kusauka chikwereti ane, akaurayiwa basa kutenda).
• Mukati kubasa mashoko ari fomu 2-gomba.
• Tsvaka Excerpt kubva PFRF kubva pachavo nhoroondo insured munhu.
• Ita makopi pasipoti yako, Chitupa Chokuita yeMitero uye SNILS, muchato, kuzvarwa vana, basa zvinyorwa, kusarudza kubvuma mugari wenyika rovha.
• Wana mushoma pamusoro EGRIP (unoshanda 5 Mazuva).
• Gadzirai zvinyorwa yepakutanga kuratidza zvinodiwa zvikwereti masangano, achisimbisa kodzero varidzi pfuma zvinhu.
• Get mashoko kubva kubhengi nyaya.
• Batsirwa-mushoma kubva mazita shareholders.

Uyewo, asati vatumira application unofanira:

• Sarudza nokuzvidzora pamutemo masangano uye mari maneja.
• An tinyatsonzwisisa pfuma zvinhu.
• Kubhadhara mamiriro kubhadhara, uye uchatamisa mari pamusoro dhipoziti basa Chivanze maneja zvemari.
• Tumira nehanya pakutanga kusauka zvekufamba pakati zvikwereti pamwe kuda ose makopi magwaro pamusoro apa.

Mari nzira

Musi mubvunzo sei kuti zvakakodzera kuronga kusauka woga, zvakakosha kubata pasi zvinhu divi. The nzira, chaizvoizvo, kunosanganisira yakawanda mari. Anokwereta vanoda kuzivisa insolvency yavo, vachipedza avhareji 40.000 rubles pamberi kutongwa. Nei imi kubhadhara?

1. Assessment Desk (mutengo wavo pakutsvaga Verengai nechigadziko mwero uye 1% kubva pakukosha pfuma zvinhu).
2. Notarization makopi (vava zvakakodzera kuti kuzviisa pasi dare, uye kutumira Notifications kune zvikwereti).
3. A mamiriro muripo weUS 6000 rubles.
4. Financial Services Manager (10000 rubles + 1% mari yakawanikwa kubva pakutengeswa wenhumbi).
5. vanonyatsokwanisa gweta mabasa (richiswedera akasimudza mutsara vanoti, kumiririrwa mudare mugari kusauka zvido).
6. Mamwe senga uye chitambi.

kutevedzana yezviito

Sei formalize kusauka? Chii kutevedzana kwezviitiko nezviito nechikwereti? Kutanga kubvunza gweta anokwanisa aripo muitiro. Sezvo murayiro rakabudiswa ichangodarika, ine vakawanda chokwadi. Kazhinji, wokutanga kubvunza akasununguka.

Kana totarisa "zvayakanakira" uye "nezvayakaipira", uye akasarudza kuva kusauka, zvinokosha kunyora kushanda. Izvi zvinogona kuitwa vaviri vakazvimiririra uye kuburikidza womunhu anomukweretesa. Next, unofanira kugadzirira pasuru yacho pamusoro zvinyorwa, pamurume navo application uye pasi dare. Insolvency rinozivikanwa chete nematare.

Application unofanira ane zita kuzvipira pamutemo sangano, izvo achagadza maneja zvemari kana kuyananisa. Unogonawo kutaridzwa imwe kukwikwidza, izvo zvichaita basa rinoitwa maneja. Pamberi musi chikumbiro zvakafanira kuti ndizivise nomumwe mukweretesi neposvo. Pashure paizvozvo, unofanira kubhadhara hurumende kubhadhara. Requisites kuchibhadhara uchawana pamusoro Website roruvanze. Zvadaro unogona kutumira zvinyorwa kuna nezvakatongwa kuhofisi (kuvapo wacho kana mumiririri mvumo hazvo pachavo).

Pakunamata kutaura

Takurukura kutevedzana zvinoitwa dzinosanganisira kusauka rwokuzvarwa munhu. Sei kuti kushanda kudare kuti kuziva insolvency?

A mugari chakanzi kushandisa zvose anodhinda uye mipumburu chimiro. Akadhindwa musimboti zvinodiwa. Somunhu yaunovimba munhu anogona kushandisa kudare, unogona kuva gweta, maneja zvemari. Uyewo, gwaro anogona kutumwa vakanyoresa tsamba. The kunzwa wokutanga anogadzwa, sezvinoita mutemo, mwedzi mumwe mushure pasi chikumbiro. nguva ino zvinodiwa chikwereti chikwata zvaanotaura.

The mutsara vanoti chinodiwa kuti ngaateme vanotenderwa muenzaniso. Zvinofanira ane zvikamu zvitatu:

• gwaro Header (zita roruvanze yayo mavambo, zita chikwereti, gweta, maneja zvemari uye zita mbiri masangano pamwe kero).
• Summary (zvawamaka ruzivo pamusoro akabvisamo chikwereti, mazita nemabhengi nemasangano zvikwereti, magwaro ravakanga vari kupatsanurwa, nguva chikwereti chayo chikonzero, ukuru, zvikapa kururamisirwa hazvibviri kugadzirisa ashandiswe kana pre-kutongwa kugarwa pamusoro mubvunzo kuedza).
• The chisarudzo (Pamazita vasiyana application magwaro, kukumbira kuziva chikwereti insolvency mugari, pakunamata zuva, siginicha).

Pane nzira?

Pamberi kusauka nyaya, unofanira imwe nguva yokufunga nezvemunhu feasibility kuti danho rakadaro chakakomba. In nzira iyi, pane imwe nzira - rokutanga akurukure Lenders uye chikwereti kugadzirisa.

Simply zvinhu vagari vari chikwereti kune imwe kubhengi. Panyaya iyi chibvumirano richava nyore. Kuti aite izvi, unofanira kutumira tsamba kubhangi, chichakurukurwa kurondedzerwa zvakadzama mamiriro ezvinhu. Somuenzaniso, kana chikwereti varasikirwa nebasa rake nokuda liquidation pamusoro sangano, uye zvikumbiro kuna gwamba iri accrual kufarira pamusoro chikwereti. Kubhangi anogona kuenda kumusangano uye kupa:

• uzere chikwereti mubhadharo deferral;
• mumwe kunonoka kuripwa mubereko;
• kuwedzerwa chikwereti izwi;
• kushandura musi mubhadharo;
• chinja kune wakasiyana chimbadzo, mari, mubhadharo mhando.

Mumamiriro ezvinhu umo uwandu chikwereti ari kukura uye yava kwazvo zvinokosha, akakwereta kunaka kuedza kupinda vaonane mubhangi uye kumbira kuti kugadzirisa. Kana anokwereta isingaswederi nekuonana, vakweretesi vane kodzero kutanga vatevedzere zvekufamba uye kusauka zvekufamba pamusoro nechikwereti, zvokuti iye achabva nyaya rubatso.

Zvinhu zvakaoma zvikuru ndivo vaya chikwereti mabhanga akawanda. Zvisinei, pane chinokosha achiposa chirongwa, izvo zvinogona seizvi zvizere mari muzvikwereti, zvinokwanisika chokubatanidza zvikwereti vakawanda kupinda chimwe. Zvakakosha kuti Bank uchaguta kuti matambudziko emari mukwereti vari pfupi uye zvinokonzerwa nezvikonzero mhiri kudzora.

Zvikwereti kugadzirisa - kupfuura zvakanaka chinzvimbo chikwereti pane kusauka dzinongoitika munhu. How kuti mashoko pamusoro kugadzirisa kubhangi chikwereti, pave tsvimbo zvayo. Kana akasvika kutongwa, dare ringati chizvarwa kusauka kana kushandura mashoko kwemutongo chibvumirano.

Sei kuti kusauka munhu kubhengi?

Hapana chakavanzika chikwereti zhinji kutora zvikwereti kumabhanga. Sei kuti kusauka munhu nokuda mubhengi? nzira iyi haisi kusiyana mureza, sokurondedzerwa pamusoro: zvakafanira kuungana pasuru magwaro uye pasi kutaura kuti kuyananisa. Zvisinei, kuti ndizivise insolvency wayo chete kubhengi hazvibviri, nokuti nzira rinoshandisirwa panguva imwe chete kuti vose chikwereti.

Kana pasina pfuma

Sei kuti munhu kusauka kana pasina pfuma? Asiwo Zvakakodzera kushandisa kuti kuyananisa dare. The chikwereti anofanira kuratidza kuti haana nhaka chero pfuma zvinhu. Pakadaro, dare anonyora kure yose huwandu chikwereti kubva sauka mugari. Uyezve, zvose zvikuru kwema pamwe nhumbi 3 years asati atanga kusauka zvekufamba vachapiwa zvakaongororwa Mvumo uye pamutemo zvakajeka.

Chii haagoni uchatorwa?

Havasi zvinhu zvose pfuma inogona uchatorwa uye kutengeswa panguva kusauka zvekufamba. Izvi zvinhu zvinosanganisira:

• Real Estate, apo ndiro chete nzvimbo kuva mugari chikwereti uye mhuri yake;
• zvipfeko, shangu, mhuri midziyo yemagetsi, zvinhu zvinoshandiswa mazuva ose;
• zvinhu uye pfuma, izvo zvinodiwa kuita mabasa nyanzvi kana kushandiswa senzira generating mari kana mutengo idukusa 100 nguva shoma mubayiro;
• midziyo yemagetsi uye motokari zvinodiwa kwevanhu vakaremara;
• Zvivako imba zvinangwa;
• mhuka, shiri, nyuchi, zvipfuwo;
• mafuta, kana iri nhumbi kubika kana kuti muchidziisa chouviri nzvimbo.

kusawirirana

Achitaura kusauka woga, kuti kuronga zvakafanira mapepa kuti chikumbiro kuna Court, zvinokosha kuyeuka kuti mukufamba zvekufamba angamuka uye kukakavadzana. Somuenzaniso, vakweretesi sokuti yakawanda chikwereti ringaita vakati kubva sauka mugari, hazvina kukwana. kukakavadzana kwakadaro kungaita kuti siyana pakubiridzira. Saka, zvakanakisisa kutora kubatsirwa gweta vakakodzera.

Kana mari chikwereti kuna chikwereti vakapfuura hafu yemiriyoni rubles, mumwe mugari anogona kushandisa kuti dare kuti vazive kusauka dzinongoitika munhu. How kuti nzira iyi, ayo unhu uye nemigumisiro, vose vanofanira kuziva nechikwereti. Insolvency Act akapinda simba ichangopfuura, saka vasati pakunamata kudare musoro kutsvaka zano pamutemo nyanzvi.