Chilango malipiro mochedwa zofunikira. Kodi kuwerengera chidwi ndi kusakhulupirika

Malinga ndi malamulo nyumba ya la Russia, nzika iliyonse ya kulandira chithandizo nyumba, ayenera kulipira mtengo awo ndi pasanafike tsiku 10 la mwezi zotsatirazi atapita ku, kupatulapo ngati tasonyeza operekedwa ndi mgwirizano anapangana ndi kampani kasamalidwe kapena HOA. Ngati malipiro si yake analipira, mukumana accrual la zilango kwa malipiro mochedwa wa ndalama zofunikira.
Popeza kuti chilichonse akhala zodula ndi tsiku lililonse likadutsa, ndi zosasangalatsa chodabwitsa amenewa, monga ndalama, zilango ndi ndalama, nawo kawirikawiri. Choncho m'pofunika kufunsa mmene kuwerengera kukula kwa chilango malipiro mochedwa, ndipo mwina palimodzi kupewa zodabwitsazi zosasangalatsa.

Kulipira zonse

Monga tikudziwa, Gona zofunikira anthu ndi ntchito ogula anali nkhani ya m'mudzi nthawi zonse. Kukula kwa ngongole kwa zofunikira zina kubweretsa m'ndondomeko kwa bankirapuse pafupi. Izi makamaka zogwirizana nkhani lero, mwa mawu a kuwonjezeka okwana mu mitengo yonse. N'chifukwa chake makampani kupereka ntchito oyang'anira tauni ndi anthu, kuyesera njira iliyonse tingasulirane makasitomala awo, kuwatengera iwo kulipira pa nthawi, kapena bwino komabe - patsogolo ndandanda. Wina chida amenewa ndi malipiro a chilango malipiro mochedwa.

nkhani imachepa

Akatswiri ufulu oposa 6% ogula ndi losasamala ngongoleyo limodzi. Komabe, ngakhale nambala m'chaching'ono a iwo sali ogulitsa amalipira ndithu limanena ntchito. Ndipo pafupifupi theka lokha la amangawa alibe luso ndalama kulipira mabilu panthawi yake, pamene gawo lachiwiri la defaulters njiru ndithu chingathe "kukoka" katundu zofunikira, koma pa zifukwa zosiyanasiyana ayi. Wina mwadala musati mupereke kwa magetsi, gasi ndi kuchimbudzi, kuyembekezera mtundu wina wa mzimu "mwina", wina abweletsa pulayimale kuiŵala. Ndi pa makasitomala awa, akudwala "chuma sclerosis" ziletso Chilango mmene anthu ambiri yabwino. Kukula kwa chilango malipiro mochedwa zambiri chimachitika ndi kuti, kwambiri overpaying kamodzi, hereinafter "zabyvashki" anayamba mosamala kuyan'ana Timeliness ndalama.

Inu musati mupereke? Muyenera chitonzo!

Nthawi zambiri, tsiku lomalizira kwa chiphaso cha kulipira limodzi - ndi tsiku 10 la mwezi zotsatirazi kuthetsa Komabe nthawi zina zimenezi payekha ena HOAs angaime tsiku lina. Komabe, ngati ola la "X" la malisiti wanu akhale yosalipidwa, ndiye tsiku lotsatira adzakhala basi kuyamba accrue chilango. Choncho, kukula kwa chilango pochedwetsa mapeto likukhalira kuti yaitali, yaitali inu Dodge ndi alipire zonse za ngongoleyo. Mfundo palibe kuwerengera ndalama ya chabwino nokha, kuti muli ndi chiphaso, imene chilango adzakhala kutchulidwa, koma podziwa mfundo ya mawerengedwe ake, mukhoza awiri onani zotsatira. Ngati muli ndi chinachake sakugwirizana, n'zotheka kutsutsa zochita za kampani kasamalidwe kukhoti ndipo kupereka mawerengedwe awo, komanso umboni kuti anali ndi zifukwa zabwino pochedwetsa.

Kodi wina zimakhudza wamangawa

Kuwonjezera chilango malipiro mochedwa, zofunikira kuti akalowe ziletso zina. Ngati mulibe kulipira mabilu anu miyezi itatu, kukonzekera chakuti "kudula" kuunika, madzi ndi mpweya, ambiri, zinthu zonse zimene inu musati mupereke.

Patapita miyezi isanu, pa kampaniyo, katundu ali ndi ufulu kugwira ntchito kwa bwalo la malamulo a ngongoleyo. Pankhaniyi, chigamulo Mosakayikira osati mu mtima wanu, ndipo udzakhala ndi kukumana ndi bailiffs, amene adzayesa kulanda katundu ndi ndalama kubanki nkhani.

Ngati olemekezeka ndi chidwi pa arrears wa ndalama zofunikira adzakhala upambana pakhomo la 10 chikwi. P., The defaulter ndi mavuto ndi kunyamuka kwa kunja, ndi kugulitsa katundu wolemedwa ndi mangawa, izo sizigwira ntchito.

Chabwino, poipa kwambiri muyeso kukhudzana defaulters njiru ndi kuchotsedwa simuchita. Ngati ngongole amakhala ku nyumba boma, khotilo kuti ukafunidwe kwa akuchoka powapatsa m'malo wina, pa mlingo wa 6 mamita ² pa munthu.

Monga chilango accrued kwa malipiro mochedwa zofunikira

Amene mosalingalira kuchitira maudindo awo ndalama kampani kasamalidwe, muyenera kudziwa kuti zabwino adzauka chokhwima tsiku lililonse sanali kupereka malipirowo anamuyika.

Kuwerengetsa chidwi kwa malipiro mochedwa kofunika kudziwa 3 zizindikiro:

• kuchuluka kwa ngongole;
• chiwerengero cha masiku a yomweyo, kuphatikizapo tsiku la alipire;
• CBR refinancing mlingo (nkhani yomweyo) pa nthawi ya mawerengedwe.

Pakadali pano, kukula kwa ndalama ya anatsimikiza monga atatu-mazana a mlingo kuchotsera wa Bank ku Central tsiku lililonse akuchedwa malipiro. Kuti timvetse mmene kuwerengera chidwi ndi kusakhulupirika, muyenera onse a zigawo zikuluzikulu pamwamba zimayikidwa mu njira:

N = CS × D × CP / 300

• N - kuchuluka kwa chilango (ndalama);
• CS - chiwerengero sonyezani mtundu wa malipiro;
• D - chiwerengero - Chiwerengero cha masiku malipiro overdue;
• Avereji - mlingo refinancing wa Bank ku Central mu magawo (.. Ie, kufunika chiwongola dzanja akufufuta 100%); panthawi alipo, 8,25%, kutanthauza kuti koyefishienti ntchito kuwerengera zotsatirazi: 8,25% / 100% = 0,0825.

Chenjezo! Ngati kuchotsera mlingo (mlingo refinancing) zikutsatiridwa pa nthawi ya ngongole, mawerengedwe ayenera ikuchitika padera nthawi iliyonse - pamaso kusintha pambuyo.

Financial "chinsinsi"

Isanafike kuwerengetsa chidwi ndi kusakhulupirika, ndalama koma kachiwiri bwino kusiyanitsa pakati pa mitengo iwiri Bank ku Central - ndi nkhani kiyi. Ngati woyamba ntchito kwa mawerengedwe zosiyanasiyana ndalama ndi zilango, wachiwiri ntchito ziziyenda dongosolo banki wonse. Kale kuyambira 2016 Bank chapakati la Chitaganya cha Russia akufuna opotoka mfundo ziwirizi, koma mpaka iwo ndi matanthauzo osiyana kotheratu.

Ndi wosakhazikika ntchito mlingo kiyi wafunsira liwiro - zinanenedwa kuti zinali chifukwa ichi kwambiri kuchuluka kuchuluka kwa ndalama kwa iwo amene sakanatha kulipira magetsi, zinyalala nazo ndi madzi m'nthawi yake. Komabe, kukambirana alibe maziko. Koma izi sizitanthauza kuti "zabyvashki" kupuma mosavuta.

The "chonde" chaka panopa

Malinga ndi mawu a akuluakulu Russian, mu 2015 ndi mawerengedwe a chilango malipiro mochedwa adzapatsidwa m'njira yatsopano. The Nyumba Code adzakhala kukonzedwa za mlingo refinancing a Bank wa Central. Tsopano, kwa mawerengedwe yabwino osati ntchito mazana atatu ndi stosemidesyataya wina ku kufunika kwake. Motero, kukula kwa ndalama ndi zilango udzakhala wautali pafupifupi theka, ndi anthu amene amanyalanyaza malipiro yake wa ndalama zofunikira, kodi Komanso ndalama zambiri kuposa 17% pa annum kuchuluka kwa ngongole, zimene n'zofanana ndi pafupifupi ngongole kubanki.

Komabe, kusinthidwa zatsopano lamulo pali mphindi zabwino - tsopano deviators kuperekedwa ngati mmene miyezi 3 kuonetsetsa kuti mwaufulu ngongoleyo. Chilango mawerengedwe idzachitike kuyambira pachiyambi, ndi 91 tsiku akuchedwa malipiro.

Kodi kupewa chilango malipiro mochedwa zofunikira

Yankho loyamba ndi yabwino ndi zoonekeratu - kulipira ngongole nthawi. Koma nthawi zina pamakhala zochitika komwe zimenezi sizingatheke. Ngati mulibe kulimbana ndi katundu zofunikira chifukwa chakuti inu adatchithisira Malipiro kapena mwataya ntchito yanu ndi onse, mukhoza kukonza subsidy. Ndipo ngati mulibe chipukuta misozi ili malamulo, Ndizachidziwikire ndi athandizi ndi mgwirizano payekha kapena zapadera pangano kupereka kukonzanso kapena munthu alipire ndandanda.

Ngati mukupita pa ulendo wautali kapena basi anaganiza m'nyengo yotentha mu dziko, inu mukhoza kulankhula ndi kampani kasamalidwe ndi ntchito yoyenera, pa maziko amene inu adzapatsidwa recalculation. Ngati simukufuna kuti kudzipereka ndodo ku kampani zofunikira kuti nyumba yanu ndi opanda pake kwa nthawi yaitali, recalculation akhoza kuchitika pa adzabwerenso. Mwachibadwa, Pankhaniyi muyenera kupereka gulu la zikalata kutsimikizira kulibe. Zimakhala chikalata kuyenda, satifiketi zachipatala, tikiti ku achisangalalo ndi zina zotero. Tiyenera kukumbukira kuti n'zotheka recalculate yekha gawo la ngongole zofunikira, omwe sizikuwakhudza ntchito obschedomovyh ndi Kutentha, monga zopelekazi zidzachitika chifukwa anthu adzakhala kaya cha kukhalapo kwanu ku nyumba ya.