Iphepha credit: inkcazelo, iimeko, amagama, iimpawu kunye nohlaziyo nokuvuthwa

Ngophuhliso inkqubo yogcino-mali yaqala ukubonakala entsha inkqubo yokubizwa kwentlawulo. One of them - credit iphepha. Le yokuphepha nje usetyenziswa njengezixhobo wotyalo ezisa ingeniso, kodwa njengendlela sentlawulo. Eli nqaku liza kuxoxwa malunga nemisebenzi bill yesibini.

intliziyo

iba Nayiphi mbutho sijongene imfuneko ukuze ufumane imali waboleka ekusebenziseni okwethutyana. Ngophuhliso kobudlelwane credit iibhanki baqalisa ukuhambisa iindidi ezintsha ze mboleko. amanqaku Promissory - imveliso kwi bathengi entsha, kodwa akukho nxaxheba ngokwaneleyo balufunda. Intengiselwano isekelwe umgangatho mboleko ebhankini. Nantso imali nje hayi kwi-akhawunti yebhanki, njengoko kubonelelwe kule fom ye-Central Bank.

Le nkampani nophethe oyilwayo ukuze ufumane imali-mboleko. inkqubo umgangatho ubhaliso intengiselwano: lo mbutho ecela amaxwebhu okuqala kunye neengxelo zemali. Emva kokuba isigqibo esihle kwesibophelelo amatyala. Yena phantse iikopi ngokupheleleyo nokubhalwe kwimvumelwano eqhelekileyo, ngaphandle kwento enye. Ukuba injongo ekutsaleni mboleko eqhelekileyo kukuhlawulwa izinto ekrwada, izixhobo, okuhlawula semva omvuzo, ngoko kwimeko promissory ithi injongo intengiselwano na yathengwa izibambiso kwamatyala ebhankini. ukuze ibe ikhontrakthi zeziqinisekiso njengoko besibini ezongezelelweyo okanye. Emva ukusayina amaphepha lokuququzelela-akhawunti mboleko evulekileyo.

inkqubo

Ngexesha ukusetyenziswa semali-mboleko ebhankini idlulisela imali kwi-akhawunti mboleki. Le mali ke ngoko nangoko kwi ukwenzela ukuthenga iindleko wokwaluswa kwakhe, ukuba isivumelwano ucacisa ukuba ibhanki ufumana ilungelo lokuqondisa Ukutsalwa kwemali. Okanye Umhlawuli ngokwakhe kufuneka anike umyalelo yentlawulo engqina transfer imali. Oko kukuthi, i-akhawunti wavula ukukhawulelana neemfuno ze-Central Bank kuphela. Sebenzisa mali hayi kuba akuyi kusebenza injongo yawo. Iingcingo zombane ezenza abasebenzi ibhanki yakhe. On isixhobo umnini umboleki yokuqala eziboniswe.

abaliqela Central Bank inokukhutshwa phantsi isivumelwano enye. Imali iyonke onke amatyala kufuneka ilingane kwimali-mboleko. Ngaphandle iimeko xa isivumelwano limalunga ukuqokelelwa iimali ezongezelelweyo.

ukusetyenziswa

Ngokuqhelekileyo, ibhili ukuba iintlawulo zokuthenga kubanikezeli. Obolekayo yanele ukubeka endorsement phezu ukhuseleko ukuhlawula ityala umlingani wakhe. Xa lo mthetho uyilwayo kukho umnini omtsha. Ukhuseleko engena ejikeleza. Kodwa kufuneka ibangele ukuba ibe nye umnikimali nomamkelimali. Nangona ingakumbi izivumelwano, imali wabuyisela mboleko inowuthi promissory. Umhla zokusonjululwa kwekhontrakthi. Ngokuqhelekileyo ayenzi ngaphezu kweenyanga ezi-6.

bill Term intlawulo unakho igqithe lokuvuthwa-mboleko ukuya kutsho kuma kwiiveki ezimbini. Oku kufuneka iqwalaselwe izibalo. Ukuba isixhobo inikwa intlawulo kwangaphambili, ngoko kwaza kwabuyekezwa ayikho par kwaye isaphulelo. Oku kwakhona lubonakala kwixabiso eya kuba zokuhlala oluphakathi umboleki kunye endodeni.

UMZEKELO 1

Umboleki lifumene bill njengezifanelekileyo engange million 1. Ubungakanani izibophelelo zakhe ebhankini million 4.7 engange. Bokudlala ityala, amatyotyombe umhla ekupheleni 03.15.16 phakathi umboleki kunye umbolekisi ucwangciselwe 28/09/15 ngexesha unyango oyibolekileyo ebhankini ifumanisa ukuba ukusekwa 28/09/15 seyibuyisiwe inqaku promissory kwi isaphulelo se-11%. Umfundisi izandla zam phezu akukho 1 million engange., Yaye 890 amawaka. Thambisani. Isixa efanayo kunciphisa izibophelelo yomboleki: 4.7 - 0.89 = 3.81 yezigidi engange.

Izibalo ezifanayo zenziwa kulo mxokelelwane yabanini. Ubomi kufutshane efanayo, kokukhona mali ziya kuthathelwa ingqalelo.

iimeko

credits Acceptance athwale iintlobo ezintathu umngcipheko: mboleko, izinga lenzala, kunye nokoyikiswa yokwehla amatyala. Ukunciphisa kubo, amaziko ezemali kufuneka iimfuno kubathengi:

• ukubonelela izibambiso (isibambiso) kwi ngohlobo imixokelelwane yemali-mboleko karhulumente (okanye ezinye izibambiso ezithengisekayo), uluhlu, ipropati kunye nezixhobo;
• ukuba usebenze ngexesha lokusayina isivumelwano ngaphezu konyaka;
• opha rhoqo kwemali kwi-akhawunti.

ekhutshwe mboleko inqaku promissory kwiibhanki ukuba unyaka ukuya komnye kwi 6-10% kunye ukuphunyezwa kwezi mfuno zisezantsi.

buhle

• Paper credit zitshiphu-mboleko eziqhelekileyo. Nangona inkqubo yokubhalisa Imicimbi rate twatse-mboleko ezinjalo jikelele ngaphantsi kwe-10%.
• I-mboleko likuvumela ukuba wenze intlawulo nokuba kukho amabango angekahlawulwa kwi-akhawunti.
• Isibakala sokuba intlawulo yetyala ekhutshwe zokudlulela phambili kwi xwebhu. Oku kunciphisa kakhulu amaphepha.

ukushiyeka

• mali okwehlileyo ukuba lisisiqalo ngenxa intlawulo kweenowuthsi promissory kwi isaphulelo.
• Imfuneko yokuququzelela kunye kumthengisi ithuba lokuhlawula amanqaku promissory kunye nemiqathango intengiselwano, ie, nge uphawu-up iya lulungisa Central Bank.

Isibonelelo for bill credit

izibambiso Debt kuthiwa umboneleli-mali zemali (cq. 58-2). Kuxhomekeka kwixesha apho inqaku promissory, lomncono yomboleki ibonakalisa akhawunti ye Central Bank, ukuposa DT 66-2 (short-term) okanye 67-2 (mboleko ebhankini ixesha elide). Imali eyabelwe ukuhlawula amatyala acinyiweyo e DT 91-2 "Ezinye iindleko".

UMZEKELO 2

Company ufumene elifutshane mboleko promissory note evela ebhankeni 500 lamawaka. Thambisani. isithuba seenyanga ezintandathu kwi 5.5% ngonyaka. Ukuhlawulwa umdla lwenziwa ngezavenge ngokulinganayo kwemali lenqununu: 500 * 0.055 = 13.75 amawaka engange .. Esi sixa kuboniswa kule iintambo ingxelo DT91-2 CT 66-2.

Taxation

In Art. 167 Code Irhafu uthi ukuba ukudluliswa amanqaku promissory uhlawule le VAT umthengisi kwetyala kufuneka ibalwe kuphela xa intlawulo Central Bank okanye ukutshintshwa kwayo ukuya werhafu yi endorsement. Ukufumana oyilwayo ngumntu wesithathu kucingelwa ukuba ukuphunyezwa, njengoko imbopheleleko umthengi ukuba lo mbutho ziyakupheliswa ngaphandle kwamathandabuzo.

UMZEKELO 3

Komthengi LLC iye ihlawulwe ukuba iimpahla kunye kumanqaku promissory Inkampani ezithengwe kwisebe Sberbank. Ithengisiwe isiphumo ukuthunyelwa kwempahla-mali ka-18 amawaka. Thambisani. (VAT-10%). Xa inani elifanayo lomthengi wanika lo mthetho uyilwayo. Ukusuka kwindawo esemthethweni lwembono, izibophelelo OOO okuhlawulela iimpahla sizaliseke. Inkampani kungenzeka ingabonisi ukhuseleko akhawunti mali efumanekayo.

Lokonga na onetyala nomthengisi. Kulo mzekelo, i ingxelo amatyala kufuneka ziboniswe kwi-akhawunti 58 mali yeendleko bekufunwa, okt iindleko imveliso ihanjiswe. Xa BU ukusuka umthengisi wenza izaziso ezinjalo:

DT62 KT90-1 "Revenue" - 18 amawaka engange .. - yabonisa ukuthengiswa kwezinto kwinkampani.

DT90-3 "VAT" KT68-3 - 1.636 amawaka engange .. - icala VAT.

DT58-2 "Ityala le-Central Bank" KT76-3 "zokuhlala kwezinye ingeniso" - 18 amawaka engange .. - amkelwe kumaxabiso.

DT76-3 CT 62 - 18 amawaka engange .. - bill ihlawulwe iimveliso ihambile.

iimpawu

EYilwayo ukuhlawula imali-mboleko ukuba le VAT ukuba iimpahla ezithengiweyo ibalwa zisekelwe kwixabiso izabelo. Intsalela kwakhona irekhodwa kwi ixabiso lokuthenga oyilwayo. Le ndleko inokuba nomahluko ukusuka ixabiso eliyimali. Ukuba ngaphezu kwimali ekhoyo, kutsalwe iVAT ngenxa yaloo akhawunti yomthengisi.

ukuhamba eyilwayo

Kukho amacebo ezimbini engundoqo kwintshukumo ye eyilwayo. Makhe sihlolisise ngokweenkcukacha ezingakumbi.

Emva ekuvumelaneni ngumthengi kunye umniki-mali izivumelwano, imiqathango yentlawulo ngamahlakani uvula i-akhawunti ebhankini ibekwe kuloo mzi, kwaye ukugqiba isivumelwano zontathu. Umthengi unenxaxheba elifutshane note promissory kwi mali izivumelwano, wayibeka phezu deposit kunye neebhloko kuyo. Ekugqityweni ngummeli wowona intengiselwano ishenxiswe, kunye mali zidluliselwa kwi-akhawunti yomthengisi. Ukuba inkqubo yokuphumeza lo deal ziye yatyhilwa daba, emva kokuvula oyilwayo uhlala ne umthengi. Ukhuseleko lucaciswa kule dipozithi ngaphandle kwemvume omabini amaqela. Ngoko ke umthengi lowo kuqinisekiswa Ukutsalwa phambi ishedyuli, kunye umthengisi - ukusuka non-intlawulo intengiselwano phezu ekugqityweni kwayo.

Tshintsha nemiqathango scheme yangaphambili. Accounts akhawunti evulekileyo amasebe ibhanki kwizixeko ezahlukahlukeneyo. Umthengi sikulungisele amanqaku promissory ixesha elide kwi-mali izivumelwano, ngembalelwano yazise umthengisi anike imvume ukuguqulela iinxalenye izibambiso onesiphumo kwi akhawunti eluvalelweni. umniki-Bank ezinxulumene kwiziko lamatyala ukuba umthengi ukuba ukuqinisekisa into yokuba ethintela iindleko. Emva kokugqitywa ukhuseleko intengiselwano itshixiwe kwaye uya kuguqula ingqalelo yomthengisi.