Ukubalwa inzala ngemali ebolekiweyo - tips

Ukuze kujongwane nalo unokontraka abanganyanisekanga, ngelishwa nawe rhoqo. Umthetho we-Russian Federation iceba ukubuyekeza ilahleko ithuba 'ukuze achache kuloo ipesenti yabo sisuke yokusebenza ngokungafanelekanga-asethi zomntu wesithathu. Indlela ukwenza ukubalwa inzala kwimali waboleka, ekufuneka mathuba ezibalulekileyo ngexesha elifanayo athathe ingqalelo, apho imimiselo yokwakha - konke oku uya kufumana kweli nqaku. Kananjalo iya kubalwa umzekelo ethile.

Yintoni na ukusetyenziswa kwemali ebolekiweyo

Kwindawo yoshishino yanamhlanje rhoqo kuvela imeko xa kakubi asethi omnye umntu, ingakumbi imali. Kuba iimeko ezifana:

• Ukulibazisa ekuhlawuleni ezifunyanwayo.
• ukubuya kade mboleko neekhredithi.
• ukugcinwa okungalunganga ngokungeyomfuneko okanye ngempazamo ihlawulwe imali.

I-Code Civil (CC) kwimali waboleka ilawulwa Inqaku 395. Ngokutsho kweli nqaku, kufuneka uhlawule njengepesenti ukusetyenziswa ngokungafanelekanga kwezibonelelo yomntu wesithathu, ngenxa yokulibaziseka intlawulo yenza kube nzima ukuba Party ukuba walungiselela impahla, luthathe ingeniso yabo, ukuba zibuyiselwa kwangexesha.

Ingakumbi imali xa ngasemva, uya kuyinika ukwanda, kungakhathaliseki ukuba umnini uya kusebenzisa kwabo. Nokuba bathe babekwa nje ebhankini, oko kuya kuba ipesenti. Ngoko ke, bekuya kuba sengqiqweni ukucinga ukuba imali kufuneka kusoloko kwisayizi amakhulu. Okungaqhelekanga kuphela isivumelwano, leyo zicaciswa gca kwangaphambili imeko lokusetyenziswa ukulwa.

Ukuze wenze ukubala, kuyimfuneko ukuba ukucacisa iingongoma ezibalulekileyo: ukubeka ngokucacileyo ixesha lokuphumla apho uya kuwuthwala inzala, okt umhla apho kukho intlawulo kunye nomhla kugqitywe inkqubo ukuyibiza, umyinge wenzala kunye nenkqubo ukubala.

Ukumisela umhla lokuphumla kokuqala ixesha

Ukuba Ndiyaqhubekeka ulawulo jikelele, ekuqaleni ukubiza inzala kufuneka ngosuku olulandelayo emva kokuba otyalayo yakho ayiyi azalisekise uxanduva lwayo. Xiya xikombiso lexi. Ixesha intlawulo yeempahla 31.7.2015, kodwa umthengi wasilela ukuhlawula. Ngenxa yoko, unelungelo lokuba aqale abize inzala ngemali esileleyo avela 01 Agasti.

Kuyenzeka ukuba isivumelwano ayikhankanyi ukuba umhla wentlawulo, xa kwimeko ngokuloqa kakhulu okanye ayilunganga intlawulo yemali, njani ukujonga ixesha ukubiza inzala? Kulo mzekelo, ngokusekelwe ngomhla ebango. Oku kuthetha ukuba umntu onetyala kufuneka ibuyisele le mali phakathi evekini ukususela Enyanisweni, njengoko sele eyatyhila kwisicelo intlawulo. Ngosuku lwesibhozo uyakwazi ngokukhuselekileyo ukuqhuba ukubalwa izohlwayo ukuba ukusetyenziswa ngokungekho mthethweni imali yakho.

Imfuneko kufuneka abulawe ngembalelwano, kungakuhle ukuba nokubakho phantsi yokuba onetyala lifumene olu xwebhu.

Ukumisela ukuvalwa umhla slot

Inzala ubalo lwenzeka ngexesha lonke de otyalayo wasilela ukuzalisekisa imfanelo yayo. Umzekelo, kumzekelo wethu, umthengi wenze imali eyimfuneko kwingxelo inkampani yakho 08.08.2015. Ngenxa yoko, inzala iya ethe ngenxa ixesha ukususela ngo-Agasti 01 ukuya 08 Agasti.

Umlinganiselo wenzala

Ngokutsho imimiselo, ipesenti imali ebolekiweyo ekufuneka ukuba ibalwe ngokusekelwe izinga mboleko, yangoku ngexesha komsebenzi xexo. NgoSeptemba 14, 2012 kwavunywa-mali ka-8.25 yaye ukususela ngoko iye yahlaziywa. Ngoko ke, cinga umdla ufuna ngokwesiseko eli zinga.

ingcaciso ebalulekileyo. Inqaku 395 nemigangatho kumhlathi wokuqala beze ukusebenza kuphela xa amaqela isivumelwano akubhalisanga umyinge wenzala ekubaleni zezohlwayo sokulibala mthethweni. Ukuba amaqela kweli nqanaba kwisivumelwano kwazithathela ingqalelo, ngoko ke ubalo kwenziwa ngokuthi kususelwe amazinga echazwe kuxwebhu, kunokuba umlinganiselo mboleko, ngokunjalo, le mali ukuba yahluke kakhulu.

Senza ubalo

Makhe ngoku enze ukubalwa umdla yokusebenzisa imali ebolekiweyo. Sicingela ukuba ityala ukuze impahla ifikelele kwi-100,000 engange. ubomi Service of iintsuku ezisibhozo. 100 000/100 * 8,25 = 8250 engange. Le mali zonyaka, kwaye kufuneka ukuba babale iintsuku 8. Ngokutsho imimiselo, ukuze kubalwe umdla Kuthathwa ukuba iintsuku 360 ngonyaka, ngoko 8250/360 * 8 = 183.33 engange.

Nokuba zingasetyenziswa ukubala ifomyula ezahlukeneyo:

SummaProtsentov = (StavkaRefinansirovaniya * * SummaDolga KolichestvoDneyProsrochki) / 36000

Sikholelwa ekubeni oku yokubala: (8,25 * 100000 * 8) / 36000 = 183,33 engange. Sebenzisa ukubala khetho ukuba lula kuwe.

Kwi internet unako nako ukufumana iikhalityhuleyitha ezizodwa eziya ngokukhawuleza enze yokubala inzala kwimali ebolekiweyo. Uza kucelwa ukuba angene kwitafile ekhethekileyo yesixa ityala kunye nexesha apho lamiswa. Olubalo lwenziwa ngephanyazo. Uya kubona kuphela mali lokugqibela, kodwa imali ngosuku bokulibazisa njengepesenti kunye engange.

Le equation efanayo libalwa izohlwayo iirhafu kunye nemirhumo, ityala ngenxa iinkonzo eluncedo kunye nezinye iintlawulo. Ukwazi oku olungumgubo baya kukunceda ukuba uqinisekise ngokuzimeleyo ukuchaneka ekubaleni imali zezohlwayo kwi amatyala akho.

amaxwebhu zokulawula

Ukubalwa inzala kwimali waboleka icwangcisiwe kwinani lwamaxwebhu olumisiweyo:

• uxwebhu ebaluleke kakhulu - iKhowudi Civil, Inqaku 395;
• kuqale ixesha lokuphumla ukubala le pesenti iseti ngokungqinelana nemimiselo yeSiqendu 191 CC RF;
• ekupheleni kwexesha lekhefu we accrual umdla kunye data emini lonyaka yokubala umyinge wenzala ye-Central Bank of the Russian Federation iya kuzinza ngengqibo 08.10.1998, inani 13/14, nto leyo ukhutshwe Plenum weNkundla ePhakamileyo kunye Ephakamileyo yoLamlo Court of the Russian Federation kunye 316 statyaGK;
• ecacisa gca ukuba yintoni na izinga lenzala ukuba sikhokelwe, uqulathwe umgwebo 01.07.1996, inani 6/8, nto leyo ukhutshwe Plenum weNkundla ePhakamileyo kunye SAC;
• ye mboleko data izinga iqulethwe kwi-website ye-Central Bank of the Russian Federation.

Phezu yokubala ekhulwini Siboleke imali iqulethe bokuqonda ngakumbi kwaye ubuqili, kodwa kumaxesha amaninzi ulwazi elikhankanywe apha ngasentla, kuya kuba kwanele ukubhenca ngamahlakani kwaye angene ukuqokelela imali.