Zvakazokonzerwa kusauka dzinongoitika munhu: nzendo nzira, zvinyorwa

October 1, 2015 yaiva chiitiko zvemitemo kuti anopa tariro yakanaka nokugadziriswa zvinhu nokuda vagari avo vanozviwana vari mumamiriro ezvinhu akaomesesa mari - akapinda simba pamusoro Federal Mutemo 29.12.2014, № 476-FL "On yakabvumira kugadziriswa kwemutemo wekuita kuna Federal Mutemo" On Insolvency (Bankruptcy) "(hereinafter - Mutemo). Nezvokumutswa kuchinja izvi vagari vasiri mumwe Entrepreneurs, vawana kodzero pachavo vanozivisa, zvadai, kusauka. The kusauka woga kuti zvibetsere yakabudirira uye, kupfuura zvose, zviri pamutemo mvumo zvakajairika chaizvo pamusoro mamiriro ezvinhu nhasi, kana simba ezvinhu chikwereti haakwanisi kubhadhara imwe kana kupfuura kwezvikwereti. Asi nyore nzira pakati kusauka, uye chii Migumisiro chaiwo kusauka dzinongoitika munhu?

Ndiani unogona riziviswe kusauka

Vanoita zvemitemo kusauka nzira kuti vagari pakutanga pamuviri sechinhu inokwanisika nzira yokugadzirisa matambudziko zvemari. Asi funga kusauka ive nzira nyore kubvisa chikwereti kwemutongo kupfungwa, zvingava zvakaipa. Chokutanga, zvinofanira kujekeswa kuti kwete ose kushanda musi kusauka muviri vanhu ichanzwiwa uye kukurukurwa nedare. Zvinoenderana Federal Law, chikwereti, mavambo kusauka nzira inofanira kuva bhadharika pamusoro zvikwereti kubva mitatu pasinei ndechokuti chikwereti kana yaipedzerwa - 500 zviuru rubles uye zvakawanda. Uyezve, panguva padariro pasi chikumbiro kuratidza kukundikana chikwereti, kureva kukundikana kwayo kupa chikwereti pachavo.

Pakati pezvimwe zvinhu, remangwana vanofanira kupa kusauka kunotsigirwa rakanyorwawo ruzivo pamusoro zvavo mari, mari, pfuma womuridzi hwokuti yavo havazozvikwanisi.

Ndiani anotanga kusauka dzinongoitika munhu

Kuwedzera nechikwereti kushandisa kuti kusauka kungava sangano pachayo chikwereti. Kana zvikwereti wandei, iwe kuziva munhu kusauka kunobvira kwete chete kune semhedziso chisingabviri abhadhare chikwereti, asi pasi ezvinhu kuti chikwereti nomumwe zvikwereti zviri defaulter kuti tirasikirwe mukana kuzadzikisa zvimwe mitoro zvemari.

In rinokosha Muzviitiko, kuziviswa kusauka dzinongoitika munhu anogona kukwidza mutero vaongo-.

Where kutanga kusauka zvekufamba muviri vanhu

Sei tatanga kusauka evanhu? Tsika dzinotsanagura nhasi kwakadaro hakuna yakakura zvakakwana, asi yatova zvinogoneka kuona kuti vaende kusauka - ". Refu uye anodhura" munhu

All nyaya kusauka vanhu uyewo dzebhizimisi Entrepreneurs vari munyaya kuyananisa mudare. By mutemo, akamisa mwedzi mitatu, umo dare akaisa kusauka vanhu. Practice inoratidza kuti izvi anogona hakumbofi kwemwedzi nokuda ezvinhu akawanda.

Mukuwedzera, kusauka nzira pachayo mari kwete vose. Kuwedzera kune mutemo unoti dare yechikoro uye muripo basa gweta, chikwereti vachafanira kubhadhara mabasa mari kuzvidzora.

Saka, apo vagara kusingadzivisiki kusauka evanhu, mirayiridzo panguva iyo kutanga chirongwa kuzivikanwa kusauka zvinotevera:

• Chero mumatare anotanga saizvozvo - pamwe pakunamata chikumbiro. In kushanda kuti kusauka kunodiwa kutaridzwa ezvinhu anotevera.
• Huwandu chikwereti nematsananguriro yakatodzama zvose zvakamisa hurongwa (chikwereti mari, kufarira, mutero zveminda, zvikwereti pamusoro Magetsi nemvura, etc.).
• Cherechedza kuti munhu haasi munhu entrepreneur - zvakafanira kusimbisa gwaro kubva kuhofisi mutero.
• Ona kuti vose mari akatorwa nechikwereti haigari zvebhizimisi zvinangwa.
• Tsanangudzo yaivapo pfuma - vari aidawo kuisa kutsigira magwaro. Nokuti kusauka mumuviri vanhu vanofanira kutaridzwa ruzivo pamusoro mari iripo kuno wakatora chikwereti panguva, uye zvisingadzivisiki mari.
• Data pamusoro paanofa (somuenzaniso, vaduku vana nechikwereti).

Uyewo, magweta akakurudzira hunonyatsodonongodza ari mashoko (kana pane mamiriro ezvinhu akadaro): yacho rutapudzo nebasa, urema (kugamuchira urema) uye dzimwe zvinokonzera kuparara mamiriro ezvemari. Chokwadi, izvi zvinhu zvinofanira kwechokwadi akakodzera magwaro. Nokuti kusauka dzinongoitika munhu kunokosha funga ose ezvinhu umo chikwereti haakwanisi kubhadhara zvose chikwereti mitoro.

Natural munhu, anotanga chirongwa kusauka, unofanira kutarisira muvhidhiyo uchapupu hwake zvemari nzvimbo unenviable. Naizvozvo, kuti kufunga zvose, kunyanya ezvinhu muchifarira nechikwereti, zano guru - regai skimp pamusoro basa rimwe gweta.

Mangwana Danho, izvo paruchaitika kusauka muviri vanhu - dare Utare maneja zvemari. All kuwanikwa zvikwereti kubva ikozvino akatuma chakarongwa ziviso pamusoro pakutanga kweShanduro kusauka zvekufamba, kuti avape nguva uye mukana kukurudzira chikwereti zvinodiwa.

Financial (kwikwidzana) kudzora

Chimwe pati pokuita kusauka - Financial Officer.

candidature ake yakwidzwa kudare kukumbira kuna chikwereti. The chikuru basa iri kudzorwa - chikwereti kugadzirisa. Asi, mukuwedzera, maneja zvemari kuva chinangwa kuongorora uye kupa akakweretesa ruzivo pamusoro zveupfumi, mari uye mari mabasa nechikwereti. Kazhinji, masimba mari kuzvidzora hakugumiri. Pane imwe basa rinokosha - kuti kudzivirira kubata fiktovnogo kana chiziva kusauka. Sezvo chinangwa kuzvidzora, kwema zvose raitungamirwa nechikwereti. Chero wavo, kusanganisira mari inofanira mvumo maneja zvemari.

Financial Services (yemakwikwi) tichigadzirisa chikwereti vachafanira kubhadhara kubva muhomwe. Mubhadharo nokuti nguva - kubva 10 000 rubles pamwedzi. Plus, pashure pakupera kusauka kwacho, kudzorwa anogamuchira 2% hunonyanya uwandu. Bhadharai izvi mari - zvinosungirwa nechikwereti.

Kugadzirisa dambudziko pamwe Credits: yacho kugadzirisa, mumusha macho chibvumirano, Kuzadziswa pfuma

Mugari kusauka Kuzivikanwa kwacho zvingasanganisira maitiro anotevera:

• Debt kugadzirisa.
• Sale chikwereti abhadhare (kana kukwana kugutsikana) chikwereti.
• Settlement chibvumirano mvumo nedare.

Ekupedzisira zvachose zvichiita Zvisinei, hapasi mumaoko pakati chikwereti mapato ndiuyewo kwaari. The chibvumirano chinogona akagumisa chete pashure kunyatsonyudzwa akagutsa nezvinodiwa wokutanga, uye pashure padariro wechipiri chikwereti.

The inonyanya dambudziko chikwereti ndiye chikwereti kugadzirisa , uye (kana) kupambwa kwenhumbi kubva kusauka nechikwereti kuti Implementation. Kazhinji, izvozvo aida kugadzirisa chikwereti pakutanga. Kana nechikwereti anobvuma nayo, akambochera imwe kugadzirisa plan, inokurukurwa kunonoka muitiro, huwandu vachibhadhara mumwedzi sezvinobvira, izvo zvekugadzirisa kubhadhara chikwereti, uye mamwe mashoko.

Inokosha: iri muitiro kugadzirisa yaipedzerwa chikwereti chinogona zvishoma kuderedzwa. Asi chose "kukanzura" chikwereti hazvishande.

Kana kugadzirisa vamwe chikonzero va neudhadha muna Zvikwereti akabata uye vakatengesa chepfuma ndera chikwereti.

Uye nokuda yokuvanda pfuma (uyewo kusauka nemaune) of chikwereti inopa chaiye tsotsi kuita, zvichibvumira kwemakore anosvika matanhatu mujeri.

Ndezvipi zvinhu zvisina kutorwa kubva kusauka?

The nepfari kwaizotevera kutengeswa chepfuma - zvisingadzivisiki zvakazokonzerwa kusauka dzinongoitika munhu. Zvisinei, havasi vose vaiva anogona kuenda pasi nenyundo. Mutemo zvachose kunotsanangurwa, hakusi pasi nezvokubvuta:

• The chete yokuvanda chikwereti nemhuri yake, kusanganisira nyika iyo yakavakirwa. Kunze: kana chikwereti mazwi pekugara kuchitaurwa sezvo rubatso.
• Food uye huni zvinodiwa kudziyisa uye kubika.
• Cash mu yaidiwa kuti kwerunyararo chikwereti, kufungisisa paanofa zvose, izvo chikwereti kunodiwa kuramba (achikanganisa mupenyu).
• Property aida basa (nyanzvi) mabasa.
• Pets vechigaro kuno wakatora chikwereti, kusanganisira zvipfuwo uye kwakavakirwa emombe pokugara.
• Domestic midziyo yemagetsi
• Mibayiro, mibayiro, mibayiro, uye kunofanira kuyeukwa plaques.

Pasina chikwereti pfuma pasi nezvokubvuta

Vashomanana inogona kuoma kubudikidza kusauka dzinongoitika munhu, kana hapana pfuma chinogona akaziva kuti kubhadhara chikwereti. Panguva ino, zvemitemo chisarudzo iri kujeka ezvinhu akadai, chete mhinduro, sezvo kuita izvi kana dare haako. Chimwe chinhu chiri pachena: hapana pfuma hakurevi pamutoro chikwereti kubva zvikwereti. Zvino zvakaitika insolvency zviri chikwereti pfuma pasina vamwe kusingadzivisiki zvakazokonzerwa kusauka dzinongoitika munhu.

Uyezve, mutemo anopa zvakanaka mari maneja kudzima kana kushora kutengeserana yacho nechikwereti, zvokuti zvinhu kubvumira kuti tisunungurwe, angadzorwa akadzokera kusauka.

Nemigumisiro yakaipa kusauka

Decision roruvanze mamiriro "kusauka" mugari yakatengwa kwemakore mashanu. Zvinofungirwa kuti panguva iyi munhu anogona uye anofanira kugadzirisa matambudziko avo zvemari. Re-kutanga zvinofanira kuzivikanwa kusauka panguva idzi makore mashanu, chikwereti asingagoni. Kusara kana kushanda yakwidzwa ne mari maneja kana mvumo muviri.

Kusauka anowana zvakawanda: chikwereti ezasi, chokunyora kubhadhara, kusavapo mhosva Zvirango siyana uye mubereko pamusoro huripo kwezvikwereti. Panguva iyoyo pane zvakaipa ari kusauka dzinongoitika munhu:

1. Mumakore matatu mushure kusauka chinzvimbo chinorambidzwa kuti pamutemo munyore repamutemo, vakanyorwa somunhu entrepreneur, kuita chero nzira iri kurapa pamutemo vanhu.
2. Chengeto kuenda kunze kwenyika kusvikira pakuguma Implementation of zvakashandisa pfuma.
3. Musengwa kushuma mamiriro avo, kana mugari iri kuenda kamwe zvakare kutora mbiri nokuda kusauka nguva.

Bankruptcy - sei anoruramiswa?

Chii mhedziso chatingawana zvose pamusoro? The FL ari zvachose vachiri pane zvaunokanganisa, vakafanana "itsva" mutemo. Kubvisa zvinokanganiswa uye avaruramise kumamiriro ezvinhu chaiwo zvinogoneka chete nguva, panguva kuonekwa kuti "hadzina kufambiswa zvakanaka" uchidzidzira.

Asi kunyange ikozvino, magweta vakakurudzira kuti kutya kusauka kwacho. Kunyange zvazvo nguva kubvisa zvikwereti zvose nokuzivisa kusauka, hakushandi, vakawanda mukana abudirire abhadhare huripo zvikwereti vanogona chete kuva kusauka vanhu. Reviews ose kusauka zvakawanda. In nyasha kusauka kwacho kukudzwa rinoti mukana chaiye kuti chikamu kubhadhara pamusoro chikwereti uye anokwanisa kuderedza uwandu chikwereti 50%. Pamusoro vakabudirira kupedza zvinhu kusauka zvinobatsira zvose mapato chikwereti.

Asi zvakakodzera kufunga, sezvo kusauka evanhu, akaongororazve vanachiremba zvemari, vasiri kudaro tariro. Tichifunga yakasimba Verengai kubhadharwa chete nezvinoitwa nzira, uye pakakoromorwa iri yeUnited mutemo, ivo mari vari zano kureva kusauka sezvo chokupedzisira kugadzirisa mbiri matambudziko - apo sarudzo haasi. Zvinofungidzirwa kuti kusauka kune avo vane zvikwereti zvachose zvinofungidzirwa mumamiriyoni chete kunobatsira zvechokwadi.