Izohlwayo yokuhlawula kade irhafu: ulwazi oluluncedo

RF Irhafu Code ubeka elubala imiqathango jikelele ukuba ukuhlawula irhafu, kodwa yokuba ahlawule intlawulo werhafu nganye imisela ngokwabo. Noko ke, ukuba intlawulo singenziwa phambi kwexesha elimisiweyo uya kuhlawuliswa izohlwayo intlawulo yamva yerhafu. Oku kakhulu zendalo, kuba ibinzana ezaziwayo-kakuhle uthi: "nibaze irhafu kwaye ukulala kakuhle" Ukongeza ukubala izohlwayo intlawulo yerhafu inokuba amanyathelo akhoyo kwaye yababuhlungu ngakumbi, umzekelo, imibutho oko yovalo-akhawunti ngamnye - zoqhagamshelwano krakra nge bailiffs abeza ukuchaza impahla yakho.

Ngoko ke, ukuba kulibaziseka kuye kwavela ngenxa yeemeko musa baxhomekeke kuwe, nokuba wena ngokunyanisekileyo Siyaxolisa ngale, kungcono ukuba "ngaphandle kokulibazisa", oko kukuthi, ngokuzimeleyo ukubala ubungakanani nesohlwayo ukuba ahlawule, Kakade, singalibalanga malunga isixa serhafu ngokwayo. Ukuhlawulwa kwenzala irhafu zingenziwa ukuba intlawulo yesixa inqununu, emva.

Ngokuhambelana nomthetho, isohlwayo apho yonke imihla ukususela ngomhla olandela lowo xa ixesha elisetelwe loo thuba. Ungabala njani isixa eyimfuneko isohlwayo irhafu zothutho, umzekelo? Ngokubanzi, ifomula esisiseko ukuze kubalwe irhafu. Nazi isicwangciso ezintshukumo.

1. Kuyimfuneko ukuqinisekisa ukuba isixa mali leyo ingakhange ihlawulwe kwi-mali. Ukuba awuzange wenze iintlawulo kwangaphambili, esi sixa siya kuba oko kuboniswa kwisaziso. Kwimeko yentlawulo kwenxenye ubungakanani bentlawulo, kuyimfuneko ukuba axhuzule evela kwinqununu oko sele yenziwe, yaye isixa-mali esisashiyekileyo kuqwalaselwa izohlwayo intlawulo yamva yerhafu.
2. Yintoni elandelayo kona Ukuseta umhla, eyaqala kunye accrual imali umdla emiselweyo. Xa kunjalo, kuya kuba ngenye imini, nto leyo elimisiweyo intlawulo. Le caveat kuphela kulo mzekelo - ukugqithiselwa kunokwenzeka ngokunxulumene weyantlukwano kwexesha elimisiweyo-veki okanye iholide. Kulo mzekelo, ixesha sentlawulo ikhutshelwa ukuya kusuku olulandelayo.
3. Musa ukubala umhla onalo kuyo ukuba ahlawule irhafu kanye kuhamba isohlwayo - njengoko umthetho, akazi ukubala.
4. Kuyimfuneko ukuqinisekisa izinga mboleko ukuze lonke ixesha kokulibazisa.
5. Ekugqibeleni, ifomula ngokwayo:

P = H * D * CP / 100 * 1/300%, apho:

P - ke izohlwayo intlawulo yerhafu;

H - intlawulo mali okanye isemva;

D - inani leentsuku zithathwa engahlawulwanga;

CP - izinga ekukhutshweni kwemali ngethuba engagqibekanga (ngokwe% -s ').

Ngendlela, xa kuthe umyalelo wenkundla ukuba imali yerhafu werhafu ngexesha lokunikwa kwengxelo ayakwazeka ukuhlawulwa ngenxa yesizathu esithile, isohlwayo akayi kuhlawuliswa. Kwiimeko ezinjalo ziquka: ukubanjwa akhawunti okanye kokunqunyaniswa imicimbi engekenziwa kwi ezo ngxelo, ekuthatheni inxalenye okanye yonke impahla ekhoyo werhafu. Kwezi meko, izohlwayo kunye nenzala akuyi kongezeleka ngethuba kwezi meko. Kodwa isicelo esibhaliweyo ukuba deferment okanye intlawulo ngezavenge, mazingeniswe kwi-ofisi yerhafu, i-accrual kwezohlwayo akayeki.

Musa ukulibala ukuba ahlawule irhafu ngexesha ngokupheleleyo, ngoko ke ingxaki ukubala inzala okanye izohlwayo, kwakunye yokusebenzisana krakra kunye nenkqubo bailiffs ningayichukumisi!