Kodi kupita zinatha nat. nkhope, SP, magombe? Kodi kupita akupsya ndipo kutaya nyumba?

Posachedwapa zinatha yekha anauza mabungwe okha malamulo. Panopa, njirayi akhoza kuzigwiritsa ntchito ndi anthu, kuphatikizapo amalonda payekha. Pambuyo pa kukhazikitsidwa kwa malamulo a bankirapuse anthu mafunso ambiri ofunika - momwe amakhala anthu insolvent ndi mmene sasiya katundu wake.

zinatha

Ndi kwa bankirapuse a mabungwe alamulo onse ndi bwino, mwachitsanzo. A. Malamulo m'munda umenewu umakhala kwa nthawi yaitali ndipo amanga kwambiri mchitidwewu. Ponena za anthu achilengedwe, ndi kovuta kwambiri, T. Kwa. Nzika zambiri mpaka kumapeto sangathe kulimbana ndi mmene tingagwiritsire ntchito zaluso ndi ubale yokha ndi zomwe zimatengera kuti akhale zinatha. Anthu ambiri amakhulupirira kuti pofuna kupewa kulipira udindo wake, ndi okwanira kunena kuti zinatha. Ndipotu kuyankha funso la mmene akupsya ndipo samapereka ngongoleyo, n'zovuta, T. Kwa., Kuwerenga kamba la chilamulo, sitingathe kokha kumvetsa kwenikweni komanso akodwa mu ndondomeko yokha. Panopa ambiri maloya anayamba kuchita makonzedwe a ntchito mu dera lino. Only si bwino kaya kumvetsa makonzedwe okha ndi mmene tingagwiritsire ntchito molondola, ndiyo. Kwa. The lamulo akadali "yaiwisi." Usadalire kauntala yoyamba kwa anthu aluso m'munda, mwachitsanzo. A. Kodi kukhala kwambiri scrupulous zinthu.

anthu litavomereza defaulters kufunika pamene nzika kupeza wambirimbiri Kuyamikira, sitingakhale kulipira iwo. Anaganiza kuthetsa nkhaniyi, T. Kwa. Obwereketsa si nthawi zonse okhulupirika kwa borrowers ake, omwe kawirikawiri chifukwa zochitika moyo sangakwanitse kubweza ngongoleyo. Mu ena zigawo za anthu a mangawa chimachititsa kuwafika miliyoni ndipo pa mavuto zinthu m'dziko kulipira ngakhale ngongole yaing'ono ndi kovuta.

Yachitika ndi ndondomeko kuzindikira za munthu akupsya

Ambiri akuda nkhawa mmene akanakhalira zinatha pa ngongole ndi kusunga anali osauka?

Ndikungofuna kuona kuti ntchito njirayi si njira zothetsera kuthetsa mavuto a zachuma. Nthawi zambiri, kufunika kuwononga nthawi ndi khama, ndi zinthu zina - ndi ndalama.
Kodi kupita zinatha? Tikungotchula mfundo zikuluzikulu:

1. Munthu likabukitsidwe insolvent samalipira yekha m'makhoti.

2. Kuti ndilengeze yekha monga ngati nkhani munthu wachibadwa, ndi ngongole yake.

3. Gwiritsani ntchito tidzakwatulidwa anagonjera chigamulo.

4. Kodi maziko a ntchito yanuyi, khoti wasankha.

5. Ngati ntchito kuuzenga wobwereketsayo, yololeka kupala mawu fuku wa angongole angapo.

6. Gwiritsani ntchito mukhoza kugonjera, ngati ngongole kuposa zikwi 50.

7. Gwiritsani ntchito tikhoza kuika ndandanda ya malipiro pa ngongole. Chonchi mlandu kumva akhoza anachedwa, chifukwa muli ndi ngongole kukonzanso.

8. FL dipo kokha pamene Khrisu insolvency ndalama adzakhala ayesedwe kwathunthu.

9. Pambuyo kuzindikira za PL untenable kwa yobetcherana zinthu zake.

Mwina njira yabwino adzakhala umwana wopanga malamulo, pamodzi ndi chilamulo, chikalata wotchedwa "Kodi kukhala zinatha. Chiongoko chifukwa wokongolayo"

Izi zingathandize kwambiri a mafunso zosafunika ndi kusunga nzika nthawi.

ndi ngongole kukonzanso Kodi

Mfundo imeneyi Baibulo la dongosolo la malipiro ndi ngongole zinthu. Ndondomeko ya gombe, wobwereka sangathenso kulipira ngongole ngongole kwa wokongoza.

Kukonzanso zikuchitika pa maziko a ntchito wokongolayo, zimene zikusonyeza chifukwa cha ndikosatheka alipire zina ngongole pa mawu akale. ntchito adzachotsedwa ntchito zikalata kutsimikizira akuchuluka vuto la zachuma. Nkofunika kudziwa kuti ndondomeko ya kukonzanso a kubanki ndi ufulu, osati ndi udindo. Choncho, pamaso ntchito kwa ngongole, ndi bwino kupeza ngati pali kuthekera kwa kusintha mawu a mgwirizanowo m'tsogolo.

Kodi mungayembekezere nzika ku malamulo a lamulo latsopano

Musadandaule ndi kuganiza kuti pambuyo ndondomeko, munthu wa funso wotaya katundu wake yense ndipo anachoka ndi kanthu. Monga mwa chilamulo, osati onse pa chuma n'kukagulitsa ngongole:

1. Ngati nzika ali ndi chuma zogona, amene amachita monga katundu wake yekha, banki sadzatha kumutenga kubweza ngongoleyo.

2. Palibe zinthu zina, mu Vol. H n'kukagulitsa. Mphotho ndi mphatso.

3. Zofooka kulibe mwachibale kwa katundu wamba akazi. Ngati inu anagulitsa katundu wamba, ayenera kukhala zotheka kugula katundu ang'onoang'ono kuti mmodzi wa akazi, amene ntchito sizikhudza. Mwachitsanzo, kusinthitsa alipo nyumba nyumba pa lalikulu.

N'zochititsa chidwi kuti kuzindikira za munthu zinatha, wotuluka onse ndi iye ndi banja lake pa chaka chatha, akuzindikiridwa monga null alionse. Izi zachitika kupewa Aphunzitsi angathe ndi zoberana.

Kodi si kutaya katundu wawo yense pa ndondomeko

Funso la mmene anthu zinatha, lili ambiri mokoma nthawi zambiri suona nzika. kovuta kuphunzira lamulo ndi kumvetsa ngati n'zotheka kutsatira malamulo ake mu mtima mwawo. Nzika kusankha kutsatira yekha ndondomeko mu funso, choyamba zodabwitsa zonse za mmene kukhala dipo la tchimo, ndipo kuti asataye nyumba ndipo nthawi yomweyo kuchotsa zofuna ndalama ku banki. Ambiri ntchito ziwembu zosiyana ndi machenjerero kusunga chuma chawo, chifukwa omwe pa nthawi ya bankirapuse munthu alibe chilichonse chimene motsutsana ngongoleyo. Mwachitsanzo, pa nthawi ya chipangano ngongole wobwereka akhoza kulilembanso chuma chake kwa ena. Chotero kukhala kosavuta amalenga mavuto aakulu kwa wobwereketsayo. mafunso ambiri chifukwa kugulitsa katundu mu umwini wamba kapena ngati malo ndi pogona yekha wa ngongole kapena kuchotsedwa kugulira nyumba. Kuyenera ankaganiza kuti ngati kuti kupanga mchitidwe zokwanira pa mmene anthu zinatha, kudzakhala kwambiri nkhani yanuyo amafuna powunikira ndi elaboration. A nambala inayake ya anthu naively amakhulupirira kuti kudzitcha zinatha, iwo adzatha kuyiwala za ngongole zanu ndi kukhala mwamtendere lotsatira. Pankhaniyi, palibe munthu amaganizira mfundo izi zokhuza mmene angakhalire zinatha mu Russia:

1. nzika The sangathe kuchita malonda mkati zaka zisanu.

2. ziphatso Zonse zomwe zilipo anathetsedwa.

3. Si zotheka kuti apereke ngongole watsopano.

Ngati nzika ndi kudzipereka zimenezi, ndiye zikuoneka kuti kuyamba moyo wopanda ngongole kupeza.

Bankirapuse ngati muyeso wa changu

Kwa anthu ambiri, njirayi ndi muyeso kwambiri kuthetsa mavuto a zachuma a ndalamawo. Kulephera kwa nzika kulipira ngongole yake inali chifukwa cha mavuto azachuma. Makamaka mutu zogwirizana ndi "momwe thupi akupsya" amene anatenga kubweza kapena ngongole mu ndalama zakunja. Mogwirizana ndi kukula kwa dollar kuti abwezere wokongoza izo zinali zosatheka n'komwe. Nzika akusiya ntchito zawo ndalama yawo kwambiri yafupika. Kodi iwo akuchita chiyani? Monga kupeza yankho la funso mmene kukhala zinatha banki.

Insolvency mavuto anachititsa osati ndalama borrowers, komanso ku "ruble". Ndipo ambiri a amangawa sangathe kulipira ngakhale losavuta cha ngongole zimene anali linapereka kugula katundu ogula. Ambiri nzika ali arrears ndi kwa pang'ono ngongole, ndi ochepa a anthu amene mangawa ndi kukula mwachilungamo lalikulu. Potsatira malangizo ambiri a maloya ntchito m'dera lino, musawafulumizitse kunena kuti zinatha. Sitepe yoyamba ndi kuonana ndi banki kuti kupereka kwa kuthekera kukonzanso ngongole.

Malinga banki za lamulo latsopano

mabungwe ambiri kukongoza tadikira kwa kukhazikitsidwa a chilamulo ichi, kukhulupirira kuti zikuthandizani mabanki kuti mwalamulo vuto la ngongole zoipa, T. Kwa. banki The poyamba analibe njira kuthana ndi amangawa awo. Anatenga kachitidwe amapereka ufulu mabungwe ngongole, sipangakhalenso upeze wobwereka cholinga cha kuzindikiridwa kwa samalipira wake insolvent. Malinga ndi mabanki ambiri, mphunzitsi kuchuluka amangawa ndi kugwirizana kukonzanso a. N'chifukwa chake, musanapite ku bwalo la kuzindikira wokongolayo, ndi bwino kuyamba ndi kukwera mu ngongole bungwe lokha ndi kudziwa kuti wokongoza akhoza kupereka kuthetsa vutolo ndi kupeza kukhala zinatha banki.

Pamene kuimbira banki Sikuti kubisa boma lenileni la zochitika za wobwereka lapansi. Mwachitsanzo, ngati nzika anachotsedwa ntchito, choncho yekha kupeza ndalama, ayenera awadziwitse banki yomweyo, popanda kuyembekezera kudziunjikira akuchedwa chachikulu pa ngongole ya. Mmalo Tiyenera kulemba ntchito ndi Mlengi amene ali ndi chikalata chotsimikizira mfundo za imfa ya ntchito. The Bank tikambirane pempho ndi kusankha munthu kuti akhale zinatha kapena njira yabwino adzakhala kupereka njira ya kukonzanso kwa wamangawa. Malo a mabanki kamodzinso imasonyeza kuti iwo ali angavomere amangawa ake ndi nkhani kupeza njira yothetsera vuto la zachuma.

Kodi amalonda kulengeza okha amangawa insolvent?

Ngati funso mmene kukhala zinatha munthu, zambiri kapena sichidziwika bwino, kugwiritsa ntchito malamulo SP kuti? Malinga ndi malamulo, IP ndi ofanana ndi munthu thupi, motero, ndi phunziro kwa zinthu zonse za lamulo latsopano. Kodi chofunika n'chiyani Pankhaniyi kutenga ndi mmene kukhala dipo la tchimo, SP? SP mukaganiziridwe defaulters pa zifukwa zotsatirazi:

1. Ngati chopatsilira nkhabe kuti akwaniritse udindo wake ndalamawo.

2. SP atasiya kulipira malipiro kuvomerezedwa.

zonena zonse angongole kwa IP akhale ndalama yekha mu chikhalidwe. khoti akulandira ntchito kwa review kukachitika kuti ngati SP ali ndi miyezi itatu ngongole kwa wokongoza ndi / kapena kukula kwa ngongole kuposa Uwerenge 10 000 rubles. Poyamba, pamaso pa kukhazikitsidwa kwa lamulo, anaganiza kuti bankirapuse IP ndi nkhani ya mmene kukhala zinatha munthu tidzakambirana mabwalo osiyana. Panopa, anthu ndi amalonda dipo mwa bwalo ndi chigamulo. Mwina SP ndilo koyenera kukhala chikalata amatchedwa "Kodi kukhala zinatha. Chiongoko chifukwa wokongolayo"

Pa malamulo zimene zikhazikitsidwe?

Nkhani yaikulu kuti ndi ofunika kufufuza, ndi Chilamulo Federal "Pa Insolvency (bankirapuse)". mchitidwe zolimbana mobwerezabwereza anakumana kusintha ndi kusinthidwa, kukhazikitsidwa imene kulephereka kangapo. Ichi ndi chifukwa chakuti chigamulo makhoti sanali wokonzeka kuchita ntchito otaya. Mwina iwo sanali kudziwa yankho la funso mmene kukhala zinatha nat. nkhope. Mwamwayi, lamulo kuimaliza kukonza ndi October izo adalowa mphamvu chaka chino. Chibwenzi, ziwerengero kuti mangawa a nzika pamaso mabanki zokhumudwitsa: iliyonse Russian chachiwiri ali ndi ngongole ku mabungwe ngongole owonjezera 70 zikwi rubles. Ngati ife kuwerengetsa mmene pamodzi zopanda kuchuluka kwa ngongole, ife titha kumvetsetsa kuti palibe mtengo ngongole ndi kuchuluka laling'ono kwa nzika zonse. Ndikufuna kukhulupirira kuti lamulo latsopano atsogolere moyo wa nzika osati, komanso ntchito za mabungwe ngongole.

Bank - akupsya

An funso chidwi ndi mmene kukhala zinatha banki yokha. Yankho la funso limeneli ndi losavuta: banki ali lakana chilolezo cha mwa illiquidity ake ndalama. Choncho, ngati banki ali lakana chilolezo, iwo sangakhoze kuchita bizinezi banki zambiri, imbaenda Kupha ake. The zifukwa ambiri chifukwa revocation chiphatsocho kuti:

1. Musamapewe malamulo malamulo malamulo ntchito kubanki.

2. Banks anatumikira zolakwika lipoti deta.

3. Kodi si kupanga ndalama kuvomerezedwa ndi zina zotero.

M'zaka zaposachedwapa, ulamuliro pa ntchito a mabanki omangika kwambiri, zomwe zinachititsa kuti revocation wa ziphatso, mabanki ambiri, Vol. H. A mwachilungamo lalikulu, ntchito mu msika chuma kwa nthawi yaitali. Tinganene kuti CBR si kulekera aliyense. Pamlingo waukulu kuchokera latsopano ndondomeko Bank chapakati amakhudza nzika wamba, amene anali Mwachitsanzo, banki depositors mosatsata chilolezo cha. Anthu ambiri sangathe kupeza ndalama yanu, mwachitsanzo. A. Bank bankirapuse ndondomeko imavuta kwambiri ndi yaitali.

Kuti amapindula izi

Iwo ankadziwa kuti ndondomeko pamwamba sizikutanthauza kuti wokongoza adzakhululukira ngongole ndi kuyiwala za izo. M'malo mwake, ngongole zidzatsekedwa chifukwa chuma ngongole. Kodi amapereka? The mwayi woyamba kuyamba moyo watsopano, T. E., Popanda ngongole, chidwi, ngongole overdue. Chinthu chachikulu - mulibe kulekerera kuyitana kuchokera okhometsa ndi ogwira ntchito ku banki ndi kumuopseza. Izo anakhudzidwa mabanki kuti amangawa awo pamaso pa lamulo. Njira yosavuta malamulo kubwerera ndalama kubanki anali amaloledwa m'zimenezi ndi wokongolayo. Pakali pano, lamulo limakupatsani osati kudikira kwa mphindi pamene wokongoza nkuyamba ndondomeko yokha. Inu mukhoza kupita wekha kudzifotokoza wekha monga munthu insolvent, kutsimikizira insolvency a zachuma.

Si onse mabanki ayesedwa lamulo latsopano kumbali positive. Makamaka malamulo atsopano ndi akumane ndi mabanki opereka ndalama kubweza lapansi. Malinga ndi malamulo, ngati ngongole ali ndi malo apadera kukhala, ndiye kuganiza kuti alipire udindo ku banki n'zosatheka. Kale obwereketsa ankayembekezera kuti musunge malipiro ngongole kapena penshoni. Tsopano chirichonse anathana kudzera mu ndondomeko ya katundu amangawa.

Zedi, magombe safuna kuima pambali ndi kuona mmene ndalama zawo yaikulu samadziwika kumene ndi kubwerera iwo palibe mmodzi akupita. Choncho kuyembekezera mabanki kulera chiwongola dzanja, amafuna kuti borrowers kumanga, ndipo n'zotheka kuti iwo adzabwera ndi munakhazikitsa latsopano kuwonjezera ku ankamvetsa yaikulu zosiyanasiyana monga ntchito zina kubanki. Choncho, kupeza losavuta ngongole sikovuta, koma yopindulitsa.

Choncho lamulo latsopano ndi abwino kwambiri kwa anthu. Malinga ndi akatswiri ambiri, lamulo latsopano chinali muyeso mwaphuma, T. Kwa. Russia ndiye kuti Sali okonzeka kuti ngati yankho kwakukulu vuto ndi amangawa, anthu ambiri anapanga maganizo olakwika pa ntchito yake ngongole. Komanso, lamulo kwambiri amakhudza zofuna za angongole. Sikuti kukana kuti lamulo latsopano kwa ambiri adzakhala ngati "kamphepo", kulola kuthawa ukonde wa mangawa ndi kuyamba moyo watsopano popanda kukulitsa malingaliro.

Zotsatira za bankirapuse

Ndondomeko bankirapuse ili mavuto. Koma anthu amene ngongole yaikulu ndalamawo, zotsatira zingaoneke ngati chinthu zazing'ono, ndi funso "bwanji kupita zinatha?" Ndi zogwirizana kwambiri.

Kodi m'gulu mndandanda wa mankhwalawa:

1. Kuchulukidwa dipo mu zaka 5.

2. inu sangathe kugwira udindo oyang'anira kwa zaka zitatu.

3. Mavuto ndi kupeza ngongole watsopano.

Ngati inu mukuyang'ana pa zinthu Komano, palibe cholakwika ndi zotsatira izi pamenepo. Makamaka anthu amene ali ndi ngongole owonjezera rubles 500 zikwi. Pofotokoza mfundo yamasika ofunika anatsindika kuti amatenga ngongole, palibe amene amaletsa. Pamene kulembetsa wake ayenera kuchenjeza banki kuti wobwereka wadutsa ndondomeko funso. Lembani mfundo imeneyi ayenera kukhala mkati zaka 5.

Kuyenera ankaganiza kuti ngakhale wobwereka silinena chakuti gombe Mulimonsemo akhale okonzeka ndi Nawonso achichepere pa anthu akukumana Kuthi bankirapuse. Usachite mantha ndi kuganiza kuti bankirapuse sadzawononga mbiri ngongole. Ngati mukuganiza choncho, iye chinawonongeka chifukwa chindapusa malipiro mochedwa. Mu ichi mbiri zowonongeka ngongole si kuthetsa mwayi zina kupeza ngongole. Mu ukoma wa chilamulo, anthu ambiri adzakhala anazindikira monga opereka insolvent. Iwo likukhalira kuti kukongoza Kunena zoona palibe wina. Pakuti mabanki n'kwabwino kwambiri. Kumene, angapo zaka adakali kudikira, mwina pambuyo alipire zonse nzika mangawa si mukufuna kukwera kumbuyo mumsampha ngongole. Makamaka mabungwe ambiri kukongoza, monga mabungwe microfinance, ndalama ndiponso owonongedwa mbiri ngongole chabe uninteresting. Iwo anapereka ndalama popanda vuto. Kusanthula Maganizo zotheka zokhudzana ndi malamulo bankirapuse, ndikufuna akunenanso kuti, asanadye ngongole awunike maluso awo ndi ambiri kufunika kuulandira. Makamaka m'dziko limene zambiri kusakhazikika kwa zachuma, m'pofunika kusamalira ndi mtundu uliwonse wa ngongole lokha, osati kuti chiwerengero cha amangawa insolvent m'tsogolo.