Banki yotsimikiziridwa kuti ikugwirizanitsa mgwirizano: chitsanzo, kutumiza, tsiku lakutsiriza. Sberbank: banki yotsimikiziridwa kuti ikwaniritse mgwirizano

Mabanki ndi chitsimikizo chokwaniritsidwira ntchito zokhudzana ndi boma. Ndondomeko ya kugonjera kwake ndi ziganizo zonse zomwe zimagwiritsidwa ntchito zikufotokozedwa mu Federal Law No. 44 "Pa Mgwirizano wa Zokambirana pa Zopereka Zogula Zopangira Zolinga za Zigawo za Municipal".

Pamene cholowa sichifunika

Pali milandu pamene chitsimikizo cha banki sichinaperekedwe. Mwachitsanzo, ngati chikalata chasayina pakati pa mabungwe a boma (ngakhale ngati mapepala akuwonetsera ayi). Chitsimikizo cha banki chotsatira mgwirizano sichikugwiritsidwa ntchito ngati nkhani ya msonkhanowo ndi kubwereketsa ngongole. Lamulo limapereka kuti kasitomala amatha kukana kupereka kapena ngati wotsirizayo amagwiritsa ntchito ntchito ina. Izi zikugwiritsidwa ntchito kwa operekera nthawi imodzi osapitirira 100,000 rubles, kugula zikhalidwe zamakhalidwe, kugula zida zankhondo zomwe ziribe zofanana ku Russia.

Ndiponso, palibe chitsimikizo chofunika pazochitika zoterezi:

• Ngati wogwira ntchitoyo ndi IP kapena gulu lachikhalidwe;

• Pulojekitiyi imalongosola zofunikira zogonjetsa banki;

• Malipiro amtsogolo adatumizidwa ku akaunti ya bungwe la chuma;

• Ndalama zowonjezera ndalamazo ndi 70 peresenti ya mtengo wopereka, ndipo ndalama zimalipiridwa pambuyo pa ntchito.

Ngati mgwirizanowu umapereka mgwirizano, mgwirizano wa banki uyenera kukhala wolembedwa bwino.

Zosowa

Chigamulo cha banki chotsatira mgwirizano wa VTB chiyenera kukhala ndi zinthu zotere:

• Mtundu (kubwereza pasadakhale, kugwira ntchito kwa maudindo, etc.);

• Zofunikila za wopindula;

• Dongosolo la mgwirizano umene chitetezo chimaperekedwa;

• Fomu ya chitsimikizo (zolembedwa, zamagetsi);

• Fomu (kubanki, yopemphedwa ndi wopindula);

• Mtengo;

• Ndalama;

• Mawu a banki chitsimikizo chokwaniritsa mgwirizano.

Ndikofunika kufotokozera mwatsatanetsatane dongosolo la mgwirizano. Chitsimikizocho chimaperekedwa kwa malipiro omwe amaikidwa peresenti kapena ndalama zokwanira. Maphwando amasankha momwe adzalipire: pa nthawi, pa ndondomeko, asanatuluke, mpaka tsiku lina. Nthawi zina mabanki amafunika kukhala chikole monga mawonekedwe a nyumba kapena zogulitsa.

Mitundu

Kuonetsetsa kuti ntchito ya mgwirizano wa boma ikugwiritsidwa ntchito ndi chitsimikizo cha banki chomwe chingaperekedwe kuti mutenge nawo mbali pachitetezo kapena kuteteza zofuna za makasitomala kuti mupindule nawo. Nthaŵi zina chikalatacho chimakonzedwa komanso kwa malipiro olembedweratu. Choncho wogula amayesetsa kudziteteza kwa ochita masewera olimbitsa thupi. Chigulitsiro cha miyambo chimagwiritsidwa ntchito muzochitika za boma za kutengako katundu kwa kanthawi kudziko lina.

Zosankha

Pali mitundu iwiri yopereka mgwirizano wa boma:

1. Kupereka chitsimikiziro.

2. Kutumiza ndalama ku akaunti ya wogula.

Wotchukayo amasankha yekha mwa njira iliyonse. Kukwanitsa kugwiritsa ntchito chitsimikizo cha banki mu gawo, ndipo zotsalazo kuti mupeze ndalama sizipezeka. Chilolezocho chinasaina ndi kampani imodzi yokha ya ngongole, chifukwa cha kuchuluka kwake kwa kubereka.

Chiwerengero

Banki yotsimikiziranso ntchito yogwirizanitsa ntchito Amapatsidwa kuchuluka kwa 5-30% ya mtengo wapamwamba, womwe umasonyezedwa mu chidziwitso. Ngati mtengo wa mgwirizano ukuposa 50 million rubles, chiwerengerochi chikuwonjezeka kufika 10-30%. Chiwerengero cha ndalama chiyenera kupitirira malipiro am'mbuyo, ngati ochepawo ali osachepera 30%. Choncho kasitomala amatsimikizira kuti sangathe kubwezeretsa ndalama, ngati wogwira ntchitoyo akukana zomwe akufunikira.

Kawirikawiri, wojambulayo amachepetsa kwambiri mtengo wochepa wa msonkhanowo kuti akope makasitomala. Zikatero, miyeso yotsutsa-dumping imayamba kugwira ntchito . Ngati phindu la mgwirizano lidaperekedwa ndi kotala kapena siliposa 15 million rubles, ndiye makasitomala amapereka chidziwitso chowona kuti akugwira nawo ntchitoyo, kapena ayenera kukhala ndi chitsimikizo cha banki kuti akwaniritse mgwirizano, zomwe zingaperekedwe pansipa. Pachiwiri chachiwiri, makontrakitala ayenera kuonetsetsa kuti zoopsa zilipo 1.5 nthawi zoyambirira.

Kupereka mwa mtundu wa ndalama

Kusamutsa kutsogolo ndi njira yodalirika yotsimikizira zolinga za maphwando. Palibe chifukwa choyendera miyezo ya banki, chiopsezo chakuti malemba sangavomerezedwe. Monga chitetezo, mungagwiritsenso ntchito ndalama za ngongole.

Ndalamazo ziyenera kufika nthawi yomwe inagwirizana polojekitiyi, mwinamwake mgwirizanowo sungatheke. Mu chikalata chokha, muyenera kufotokoza tsiku limene chitetezo chibwezeretsedwa. Kawirikawiri izi ndi tsiku lotsatira ntchito itatha.

Zida

Chigamulo cha banki kuti chigwiritse ntchito mgwirizano chikhoza kuperekedwa osati ndi bungwe la ngongole iliyonse, koma ndizo zomwe zikuphatikizidwa mndandanda wa mabungwe azachuma omwe amatsimikiziridwa kuti ali ndi cholinga cha NU. Zimaperekedwa pa webusaiti yathu ya Ministry of Finance ndi Central Bank of Russia. Ngongole ya ngongole iyenera kukwaniritsa zofunikira izi:

1. Khalani ndi chilolezo cha CBR.

2. Pangani mabanki kwa zaka zosachepera zisanu.

3. Khalani ndi ndalama zanu zokwana mabiliyoni 1 biliyoni.

Mabanki oposa 300 anali ofanana ndi izi zofunika kumayambiriro kwa 2015.

Zofunikira

• Chidziwitso chiyenera kukhala ndi ndondomeko yoyenera ya maudindo, kuchuluka kwa ndalamazo. Ngati mwamsanga kuchepetsa, Bank ikupereka kulipira chilango cha 0.1% pa tsiku.

• Chitsimikizocho chiyenera kukhala chosasinthika, ndicho, chimene sichikhoza kuchotsedwa ndi banki mulimonsemo.

• Tsiku loyamika limatengedwa kuti ndilo nthawi yogwira ntchito.

• Kukhazikitsa mgwirizano ndi chitsimikizo cha banki. Nthawi yowonjezera iyenera kukhala yosachepera masiku makumi atatu kuposa nthawi yeniyeni ya mgwirizano waukulu.

• Lamulo limalola makasitomala ngati akuchedwa kubwezera kwa masiku asanu kuti alembe.

Chigamulo chotsatira chitsimikizocho ndi zofunika zonse za wogula ayenera kuchitidwa mkati mwa masiku atatu. Ngati chitetezo sichikugwirizana ndi zikhalidwezo, m'pofunika kupereka woweruza ndi kukana kulembedwa chifukwa chake. Pangakhale angapo:

1. Chigamulo cha banki kuti chigwirizanitse mgwirizano sizinalembedwe mu zolembera za Federal Treasury.

2. Chilembacho chinasainidwa ndi bungwe la zachuma, zomwe sizili pandandanda wa Ministry of Finance.

3. Mgwirizanowo sutsata zofunikira za Federal Law No. 44.

Komiti

Cholinga cha kusindikiza zivomezi ndizofanana ndi njira yopereka ngongole. Chigamulocho chapangidwa chifukwa cha kusanthula zolemba za wogulitsa. Mwachizolowezi, njirayi imatenga masabata awiri. Sberbank banki imatsimikizira kuti awononge mgwirizano kwa aliyense kasitomala payekha, malinga ndi malamulo a boma. Mwachizoloŵezi, chiwongoladzanjacho sichiposa 25% ya mtengo wa mgwirizano. Monga ngongole, Sberbank imapereka chitsimikizo cha banki kuti zitsimikizire kuti mgwirizanowo ukugwira ntchito, osati kwaulere, koma kwa malipiro ena. Kuchuluka kwa ntchito kumadalira kuchuluka kwa ndalama, mawu, kupezeka kwa ndalama.

Ubwino

Chitsimikizo cha banki - monga chitetezo cha mgwirizano wa mgwirizanowu - amalola makasitomala kuchepetsa kuopsa kochita bwino. Wowononga akhoza kulowa mu msika wa malamulo a boma ndi makampani akuluakulu. Kugwiritsira ntchito chitsimikiziro sikungasokoneze ndalama kuti zisawonongeke, kuwatsogolera kuti azigwirira ntchito zamakono kapena zobisala. Ngati mutapereka ndalama pang'onopang'ono, ndalama zowonjezera zimadutsa kuchuluka kwa msonkho umene waperekedwa kwa chitsimikizocho. Ngongole ya ngongole kuzinthu zoterezi imalandira ndalama zina. Panthaŵi imodzimodziyo, imatenga udindo wa ngongole za mtsogoleriyo.

Banki yotsimikiziridwa kuti iyendetse mgwirizano: chitsanzo

Nthambi ya JSC (Guarantor) yomwe imayimilidwa ndi Petrov II, yemwe amagwiritsa ntchito mphamvu ya woweruza mlandu AA75, akudziwitsa kuti: amadziwa kuti CJSC (wamkulu) adalandiridwa kuti adzalandila malonda kuti ali ndi ufulu wokwaniritsa mgwirizano wa zomangamanga LLC (wopindula) Chimene chimabweretsa mgwirizano.

Guarantor imatsimikizira kukwaniritsa udindo wa mkulu.

Chilembacho chimayamba kugwira ntchito kuyambira nthawi yomwe inasaina.

Guarantor ikufuna kulipira ndalama zomwe anthu opindula nazo ndalama zosapitirira 400,000 (makilogalamu mazana anai) a ruble, mkati mwa masiku atatu (atatu) a malonda kuchokera pakulandila zofuna zomwe zili:

• Chidziwitso chophwanya nthawi yomalizira ndi wamkulu;
• Kufotokozera udindo.

Pulogalamuyo iyenera kutsatiridwa ndi zilembo zotsatirazi:

• Chikalata chovomerezeka chovomerezeka;
• Lembani mwachindunji;
• Zikalata za zikalata zomwe zimatsimikizira akuluakulu a zizindikiro za chikalatacho.

Chidziwitso chiyenera kuperekedwa pa nthawi yolandirira ku adiresi: Belgorod, ul. Njira 1.

Udindo wa guarantor umangopeza malipiro a ndalama zomwe chikalata ichi chasindikizidwa, ndipo amachepetsedwa ndi ndalama zomwe amapatsidwa kwa wopindula.

Chipepalacho chapangidwa mu kopi imodzi ndipo ndiyenela mpaka 31.12.2015.

Banki yotsimikiziridwa kuti ikugwirizanitsa mgwirizano: kutumiza

Wopatsa ndalama atalandira ndalama, amawaganizira mu BU pa akaunti 51 "Maakaunti ndi banki" ndi 76 "Malo okhala ndi ngongole". Udindo wa mtsogoleriyo umasonyezedwa malinga ndi mtundu wa maudindo: pa akaunti 58-3 "Ndalama", 62 "Malo okhala ndi ogula", 58 "Finvlozheniya." Wopindula ayenera kuzindikira ndalama zomwe analandira monga malipiro a dongosolo la boma, ndalama zogulitsidwa. Kodi banki ikutsimikiziranji za banki yothandizira mgwirizano? Zolembazo zikufotokozedwa mu tebulo ili m'munsiyi.

Ndipotu, zonsezi ndizofunika kuzimvetsera pamene mukulemba zokhudzana ndi banki.