Umphathi zezimali ungonakala abantu bendalo: iimfuno, amalungelo, izinyanzeliso

Kutshanje, urhulumente Russian udlule umthetho osaqulunqwayo yimali okanye amatyala sibiza. abantu. Le nkqubo intsonkothile kwaye multi-eqongeni. Xa inkqubo ingqalelo xa umntu ngummi, ngokomyalelo, kufuneka umphathi yemali inxaxheba. Unamagunya athini anazo yaye yintoni nempembelelo kwi ezikweletini?

Imilinganiselo kumntu

Kuyinto ezisitheleyo abaninzi kuthi ungenisa iibhanki mboleko ukulungiselela iinjongo ezahlukeneyo. Kudla kukho iimeko ebomini, apho intlawulo ngakumbi ematyaleni kube nzima. Kangangethuba elide ingxaki yaba unsolvable - iibhanki wamangalela abanamatyala, kuba amagosa yokuqokelela imali ababandakanyekayo. Kulo nyaka uphelileyo meko itshintshe ngokupheleleyo: kwingxoxo ezoqoqosho kwiinkundla ulamlo esidityanisiweyo, umthetho wawiswa amatyala okanye ungonakala sibiza. abantu.

inkqubo ungonakala

izigaba ezithathu inkqubo echazwe emyalelweni. Ezi ziquka:

• ngokutsha kwetyala.
• Kuqatshelwe impahla esuswayo nengasuswayo umntu.
• Isivumelwano zokuhlala kunye nabo abatyalayo yayo.

Isicelo kwinkundla kulamlo lokugqibela ukuvakalisa imilinganiselo onokwenza ukuba ngummi ngokwakhe, iziko ngetyala okanye kwiofisi yerhafu. Isixa setyala ukuba ibe ngaphezu kwesiqingatha sesigidi engange. Ukususela ukumiselwa ukuba amatyala kufuneka zingenele iintsuku 90. Esi sicelo kufuneka wenze i-inventri ye-propati, iikopi zamaxwebhu kwiintengiselwano abangaphezu kwama-300 000, isiqinisekiso ukuhlawula irhafu, ingeniso.

ngokutsha kwamatyala eyaqala emva kokuba ingqalelo kwesicelo se lalila ngamnye. Ukuphunyezwa ipropati wenziwe ukuba ngokutsha amatyala akazange ukunika iziphumo. Kulo mzekelo, ngummi wathi yimali. isivumelwano Settlement zinokusayinwa nangaliphi na ixesha le nkqubo.

Ingcamango yolawulo lwemali

Umphathi zemali ubekwa yinkundla ngoko nangoko emva kokuqwalaselwa kwesicelo ommi sokutshona. Lo mntu kufuneka ihlangabezane neemfuno mthetho Russian. imikhondo Ukulawula ezixhasa yonke inkqubo imilinganiselo - ukusuka ukuqokelelwa kolwazi malunga kwempahla onetyala ukuze ekufezekisweni welifa - kunye nezenzo njengequmrhu elizimeleyo, bephethe kwisikhundla ngasinye kwamaqela inkqubo.

isimo

Ngenxa yoko, umphathi zemali lalahlekelwa ngabanye ihamba ngokupheleleyo zonke izigaba zokwenziwa nkqubo, oko kukuthi:

• Sihlola zemali umthamo onetyala.
• Esinxibelelana amatyala.
• ulawulo eyiyo ukuhlangabezana neemfuno zangoku amatyala.

Enyanisweni, indima yalo ukulamla phakathi abadlali ababandakanyeka kwinkqubo imilinganiselo ukuqatshelwa nokumelwa yezikhundla zabo enkundleni. Ngaphezu koko, umphathi zemali ulawula sengqondo nezakhiwo zenkqubo yabemi uyavuma ukwenza iintlobo intengiselwano kunye nayo ukuze uthobele iimfuno amaziko amatyala kunye unetyala. Ilungelo ukuba zikhethe onolawulo zombini abanamatyala kunye amatyala. Njengoko umthetho, umphathi, iqhutywe babatyalayo, ukukhusela ikakhulu izinto zabo. Ngoko ke, umntu onetyala yenza ingqiqo ukukhetha umphathi, ngubani oza kwenza konke okusemandleni ukuze azikhusele kwizikhundla zabo.

iimfuneko

Ngokutsho komthetho yimali, kukho iimeko ukuze kuhlangatyezwane ngumphathi zemali. Iimfuno zezi zilandelayo:

• Ukunqaba kwenkuthazo buqu kunye nenzala, kwakunye ngokuxhomekeke ngummi amaziko yimali okanye ngetyala.
• Ukunqongophala namatyala angekahlawulwa ngenxa yokusebenza ngokungafanelekanga umsebenzi njengomphathi zemali (umonakalo eziphathekayo mazingqinwe isigqibo senkundla).
• Akukho lezomthetho.
• Ukungabikho amatyala, okubangele sungula iinkqubo ungonakala.
• Ukungabikho ubume lunqunyanyisiwe okanye anqunyulwe ilungelo lokwenza imisebenzi yabo ngokungqinelana nomthetho federal.

Manager kufuneka ube iphepha-mvume ukuze benze imisebenzi yabo, kwakunye nemfundo ephakamileyo professional ukuba amasimi ezoqoqosho okanye ngokusemthethweni. ulawulo umsebenzi imfuneko luxanduva zeinshorensi kwi umonakalo emacaleni zenkqubo.

Ukuqeshwa lokulawula zemali

umphathi lwemali ungonakala sibiza. abantu ngokuqhelekileyo ezikhethwe ngamagosa sokugweba. Xa ingxelo ngalo ingqalelo ityala imilinganiselo ngummi iya kubonisa imibutho self-elilawulayo (kweeSRO) kwaye umntu othile oza kusebenza njengomphathi zemali, kodwa isigqibo malunga nokuqeshwa kwakhe kuya kwenziwa yinkundla. Ngaphandle umbutho self-nowolawulo isicelo kungafakwa. Togo, abaya kuqeshwa, akunakwenzeka ukuba ukubala, kuba umphathi kukhethwa onke amalungu ombutho. Kubalulekile ukuqaphela ukuba ilungelo lokukhetha kwiCPO kunye nabaviwa ezithile abanalo sicelo - otyalwayo okanye unetyala.

yentlawulo ngeenkonzo

umphathi zezimali ungonakala ibonelela ngeenkonzo qho intlawulo. Citizen, ezibanga zawa uya ukuhlawulela ezi nkonzo, kwaye inyanzelekile ukuba wenza idiphozithi egwebayo isixa esiqingqiweyo - amawaka 10 engange. Esi sixa-mali iindleko nkqubo ngokwayo. Kuyimfuneko ukuba ahlawule ulawulo-2% yemali ityala kubuyekezwa okanye inzuzo imali ekuhambeni welifa ungonakala. Ngokwengqiqo yentlanganiso abatyalwayo ubungakanani yomvuzo inganyuswa ukuba kuyimfuneko. umvuzo Imali iya kukhutshwa ngexesha elinye kuphela emva kokugqitywa zingekho. nomdla - emva kokugqiba zokuhlala kunye ngamahlakani kunye nemali transfer kwiiakhawunti zabo. Ukuba ulawulo kufuna intlawulo unetyala-ngummi kuzo naziphi na iinkonzo ezongezelelweyo, izenzo ezinjalo zithathwa mthethweni. Yimali angafaka isicelo enkundleni.

Umphathi yezezimali ekunene

I federal umthetho ungonakala abantu emzimbeni jize inani amalungelo zolawulo lwezimali, ezizezi:

• Ithuba ukuchasa le iimfuno zamaqela abantu awile.
• Ukuphunyezwa ukuqokelelwa kolwazi malunga izinto yempahla eshukumayo nengasuswayo umntu, kubandakanywa izicelo ngqo kwabasemagunyeni kunye norhulumente.
• Ilungelo yokuqokelelwa yentlanganiso babatyalayo ', ukuba kuyimfuneko.
• Ilungelo lokuba liliso isicwangciso ngokutsha kwamatyala ungonakala.
• Ukukwazi ukufumana idata kwi-credit bureaux okanye zemithombo yolwazi, njengoko kuchaziwe kulo Mthetho.
• Ilungelo lokuthengisa ipropati, ukurhoxiswa okanye nokugcina zonke iintengiselwano.
• Ilungelo ukusebenzisa amanye amalungelo ezicaciswe kwi-Federal wokuphelelwa Act.

Eluxanduva yolawulo lwemali

Ukulawula ngendlela ungonakala kumntu kwaye inani umsebenzi, ezifana:

• Ukuqokelelwa Umbutho iintlanganiso amatyala, ezinikezelwa yi umthetho langoku.
• Ukubeka iliso ekusetyenzisweni kwesicwangciso zohlengahlengiso lwamatyala.
• Uhlalutyo zemali amandla ummi ongenamali.
• Ukwenza ingxelo abatyalwayo kwimisebenzi eyenziwa ukuphuma ubuncinane kanye qho emva kweenyanga ezi-3.
• lokuhlawula isikweliti ukulawula amatyala.
• Ukuchonga amatyala abantu imilinganiselo ngabom aze athathe amanyathelo afanelekileyo.
• Uphononongo uhlahlelo isicwangciso inkqubela iingxelo ngokutsha kwetyala.
• Ezinye iimbopheleleko kumiselweyo kumGaqo-wokuphelelwa Act.

Order yokuxhulumana ungonakala

IGosa Financial xa ungonakala abantu emzimbeni uyakuba nelungelo lokufikelela yonke imithombo yolwazi ukuba sinalo enxulumene imilinganiselo ye ngummi ngamnye. Ezo lwazi luquka ulwazi malunga impahla enokususwa kunye engashukumiyo kunye nendawo yayo, kwakunye namalungelo impahla kunye neemfanelo onetyala, izicatshulwa ezivela iirejista, zolwazi.

Umsebenzi ngummi ongenamali kuquka kubonelelo lolu lwazi ukuze ziqwalaselwe ngumphathi zemali zingadlulanga iintsuku ezili-15 emva kokuba isicelo. Ukuba le nkcazelo ayifumaneki yimali, umphathi-mali unalo ilungelo lokufuna ukuba nabo enkundleni.

Umntu onetyala unyanzelekile ukuba ukunika ingcaciso malunga nazo zonke izinto impahla enokususwa kunye engashukumiyo elise impahla yakhe. Ukufihla olu lwazi evela kulawulo lwemali kunye nokudalwa imiqobo kulungiselelo yayo ibandakanya ummi uxanduva ngokomthetho.

Ukuba umphathi sele ufumene ulwazi olunxulumene zorhwebo, inkonzo, zokubhankisha, okanye ezinye iinkcukacha olukhuselwe ngumthetho, akanako abayityhilela indlebe. Ukuba oku kuyenzeka, uya kufumana izohlwayo embambano okanye ulawulo, kwaye kwezinye iimeko zolwaphulo-mthetho, yaye uya kuyikhusela.

Ngaba ukususwa yolawulo lwemali kunokwenzeka?

Susa umntu othile owenza njengomphathi zemali, mhlawumbi. Oku kwenzeka ngokuthi mhlawumbi ecaleni njengenxalenye yenkqubo yimali, isigqibo ukususa kuvunywe yinkundla. Kulo mzekelo, kukho indawo. Eli phulo eze evela kumphathi okanye umbutho self-yolawulo.

Isizathu sokuba ukususwa kuba intsebenzo esemgangathweni ndingafaneleki xa:

• Esi sigqibo esithathwe entlanganisweni ye amatyala.
• Umyalelo lentendelezo ngokwanelisa inkqubo yesikhalazo, engontsini kophulwa amalungelo abo, umonakalo okanye ilahleko evela izenzo ukulawula ethile.
• umbutho self- zokulawula, lanqunyanyiswa umphathi ngenxa sokwaphula umthetho yolawulo okanye ulwaphulo-mthetho.

Ngenxa yoko, umphathi zemali - into inani ebalulekileyo ngexesha imilinganiselo kumntu. Uye ukufikelela kuzo zonke iinkcukacha eziphathelele impahla onetyala ngayo. Ngoko ke, ukugqwetha idatha mthethweni. UMthetho, ezemali imisebenzi umphathi esekwe ngumthetho phezu ungonakala. Ukulawula - ngumntu ozimeleyo inxaxheba yimali, ebonelela ngeenkonzo zalo kuphela qho intlawulo.