Mlandu ngongole mlandu. Yochepa ngongole. ngongole kubanki

Mlandu - ndondomeko imene akaundula ntchito ndalama mabizinesi kusonyeza malonda okhudzana ngongole. ndi kulunjika kulembamo deta chiyani? Kudzera zolemba pagulu mlandu akuzindikiridwa ngongole yaitali Kuyamikira yochepa ndi ngongole?

Kodi osiyana ndi ngongole ngongole?

Kuyamba, tikukambirana za zinthu ongolankhula udindo kuyankha funso. Choncho, pamaso kuganizira akuyendera mlandu wa Kuyamikira ndi ngongole ku mlandu, mungathe kufufuza kusiyana pakati pawo. akwaniritsa zimenezi zingathe kudziŵika mwa kunena za chakudya cha malamulo wachibadwidwe wa Russia.

Ponena za ngongole: molingana ndi mgwirizano, chipani chimodzi kutumikira wokongoza, akudutsa mu malo a gulu lina - wobwereka, ndalama kapena zinthu zina, ndipo patapita kanthawi wachiwiri akubwerera chuma woyamba kapena ofanana ndi izo.

pangano ngongole akhoza anasaina onse ndi bungwe ndi anthu thupi. mgwirizano umenewu ayenera kulemba, pokhapokha malamulo amapereka zinthu zina.

Party kuti panganoli pa ngongole ochiritsira mwina munthu kapena bungwe. lolingana mtundu wa ntchito ndipo si chiphatso monga ulamuliro si zochepa. Malinga ndi ndondomeko yomwe imatsatira malamulo yapachiweniweni, angathe analandira Mwachitsanzo, amatenga ngongole tate kapena bwenzi bungwe.

Nawonso ngongole - ngongole kuti akhoza apatsidwe kwa bungwe okha udindo wa ulemerero ndi gulu chuma, kumapereka lingaliro la kukhalapo kwa chilolezo kuchokera Bank ku Central la Chitaganya cha Russia. Kupanga ngongole, nayenso ikuchitika pa maziko a malamulo a Civil Code, osati kokha, komanso ena magwero ndalama lamulo. Komabe, iwo apatsidwe kokha pamaziko a pangano olembedwa. ngongole Bank ali akatswiri amaona msanga komanso zokhudza malipiro chidwi.

The mgwirizano pakati pa ngongole ndi bungwe chuma ndipo wobwereka nthawi zambiri kumaphatikizapo makonzedwe a yoyenera ngongole kakatundu aliyense, chikole kapena pomaliza mgwirizano wapadera ndi kampani ya inshuwalansi. Choncho, kusiyana yaikulu ku Kuyamikira ndi pobwereka kuti pangano mtundu woyamba:

• ndi chifukwa kulowa mapangano ndi mabungwe apadera bungwe ndalama chiphatso ndi Bank ku Central la Chitaganya cha Russia,
• Zimatengera kulanda wobwereka ndi wobwereketsayo, m'zochitika zonse za ndalama;
• ndi chifukwa kulowa asapita malamulo pakati pa zipani ndi pangano olembedwa.

The mgwirizano pakati pa wokongoza ndi wobwereka analembedwa mawu zonse zoyambirira za ngongole ndi: kuchuluka kwa mtengo inasamutsidwa kuchoka chipani wina ndi mzake, kukula ndi mawu a accrual chidwi ndi zilango.

Sakugwirizana ndi mlandu pobwereka mu ntchito akawunti

Tsopano tiyeni tione zimene, zomwe zinthu zikhoza zokhudzana akutenga ndalama Nkhani mlandu. Makamaka ankaona malonda akuwuka kwa kuphedwa kwa pangano ogwira ntchito, chimene chilli mmodzi yekha - wokongoza kapena wokongoza, malipoti, monga taonera pamwambapa, malo ena - wobwereka, ndalama, pamene lachiwiri ayenera kubwerera kwa woyamba kulandira ndalama ndi komanso ngati chinanena mu pangano - kuphatikiza chidwi.

Nthawi zina phunziro la pangano kungakhale zakuthupi chinthu - malo kapena zida, nzeru mankhwala (mwachitsanzo, mapulogalamu). Nthawi zina, wobwereka akuyenera kuti abwerere yocheperako kuchuluka kuposa watengedwa pansi pangano. Monga ulamuliro, n'zotheka, ngati magulu ndi pangano - Bank Central, boma lomwe anatengera mfundo za mitengo zoipa chidwi, komanso paokha banki mabungwe a zachuma. The RF Bank chapakati kiyi mtengo tsopano si mkulu, kotero ngongole formalized pakati pa osewera osiyana msika, pafupifupi nthawi zonse amafuna malipiro chidwi.

Mlandu ngongole mlandu akuyendera nkhani yapadera 66 ndi 67. The woyamba amasonyeza ntchito ngongole yochepa, wachiwiri - pa nthawi yaitali. Dongosolo la mlandu yoyenera ovomerezedwa ndi gwero osiyana lamulo - PBU 15/2008. Tidzaphunzira mwatsatanetsatane mmene njira akutsatiridwa pa maziko a chakudya cha chilamulo lolamulira.

Kulongosola mankhwala wotuluka pa ngongole mlandu: normative lamulo

Motsata malamulo, zimene ziyenera kuchitidwa kusunga ngongole mlandu ndi kuchuluka kwa ngongole ya kumalo a ntchito - ngati wobwereka, anazindikira mu akawunti akaundula a potengera zomwe zili mu mgwirizano ndi wobwereketsayo. Information pa mawu a alipire ngongole ayeneranso kuwuluridwa magwero.

Ngongole ndi akutenga ndalama anawagawira ku mitundu 2 - yochepa yaitali, ndi marekodi awo ikutsatiridwa nkhani zimene tatchulazi. Ndalama zokhudzana ngongole ayenera zimaonekera mlandu mosiyana ndi ndalama anasonkhana pansi pa pangano ngongole. ndalama izi zalembedwa mu zolemba kulongosola za nyengo, zimene zinachitika. Ayeneranso uniformly inalowa mu Kapangidwe ka ndalama zina za bungwe.

Ndi ntchito ndalama zapadera nkhani kuyankha kuti afanane wamkulu kapena chidwi chifukwa pa nthawi yaitali kapena yochepa ngongole kapena Kuyamikira kwaiye mlandu zolemba ntchito nkhani za ndalama. Taganizirani kulunjika awo.

Titsate udindo ngongole: Nkhani ndi zolemba

Onse, monga taonera pamwambapa, yaitali yochepa ngongole ndi Kuyamikira zalembedwa mu nkhani za 66 ndi 67. Analytical mlandu kudzipereka zogwirizana anapanga pamaziko a kulolerana awo mu gulu zenizeni, komanso aliyense payekha (aliyense ngongole amaliona monga ubale osiyana malamulo).

The yaikulu kuchuluka kwa amene ayenera ankapitabe olembedwa mlandu mbali ya ngongole ngongole ya ndalama, umene umaonekera mgwirizano. Komanso, olimba ayenera zimaonekera mudziwe kulongosola za ndalama uncollected mu mawonekedwe a ngongole. Mawu ndalama kuyenera kulembedwa ngati kukhwima ya ngongole.

ndalama sankakhala tiyenera kuziganizira mosiyana ndalama yawo yaikulu mu nthawi makamaka mawerengedwe ndi malinga Kapangidwe ka ndalama zina. Zilibe kanthu kodi zinthu anapereka ndalamazo yobwereka. Monga mbali ya kulongosola kwa chidwi mu mabuku mlandu wa nkhani Kulumikizana ntchito kampani ngongole monga 66 kapena 67, ndipo limafanana ndi zimene zimasonyeza gwero yeniyeni ya malipiro.

Chidwi pa ngongole akhoza zimachitika mtengo wa kugula zinthu ndi kupanga zinthu ngati wamkulu kuchuluka kwa ndalama chogwirizana n'zogwirizana kwa iwo ndi ndalama mpaka lolemba chuma yoyenera. Ngati vuto limeneli si anakumana chidwi ayenera kutengedwa ngati mbali imodzi ya ndalama opaleshoni - pogwiritsa ntchito nkhani 91.

Kuchuluka yoyenera likulu angathe kupita kwa ndalama ku chuma sanali panopa. Pankhaniyi, ndi chidwi pa ngongole anasonyeza mwa lolemba:

• amatamanda 08, komanso ngongole yaikulu olandila okhudza kuwerengera ndalama mu nkhani chidwi analipira isanafike nthawi pamene ndalama zimayikidwa mu kugwira ntchito;
• madebiti ndi ngongole chifukwa 91 nkhani zikuluzikulu, ngati ndalama yoyenera zalembedwa pambuyo chuma ndi yoikidwiratu awaloŵetsanso kupanga.

Ngati ngongole amagwanso mochedwa kapena ngati chidwi amalipidwa arrears, chilango pansi pa pangano ngongole adzakhala zimaonekera mlandu kudzera mwa kukhoma ndi madebiti nkhani 91,2.

Choncho, ngati kuchuluka kwa ngongole anatengedwa ndi ntchito cholinga cha ndalama mu chuma mapulani a yowerengera amanyamula nkhani zawo kudzera wotuluka zotsatirazi:

• Ari 08, Km 66 (kapena 67) mu akaundula mlandu, ngati ndalama sankakhala ndi kunditumiza ku ngongole nthawi imene katundu ndi yoikidwiratu zimayikidwa mu ntchito kapena Mwachitsanzo, ndi mayina katundu zokhudzana chosaoneka ndi maso;
• Ari 91 Km 66 (kapena 67), ngati chidwi kuoneka pambuyo wotuluka osankhidwa.

Tikumbukenso kuti ngati ngongole inathetsedwa ndi ogwira ntchito ndi arrears, zilango zimene mgwirizano ndi m'gulu kapangidwe ka ndalama, omwe ali m'magulu si ntchito. Mu nkhani iyi, Kulumikizana unakhazikitsidwa pa nkhani madebiti 91. Komabe, mwamsanga pamene ngongole N'chimodzimodzinso kapena ngongole, ntchito accountancy lolingana zikutsimikiziridwa mbiri lotsatira akaundula a: 66 (kapena 67), Kr 50 (kapena Mwachitsanzo, 51, 52 kapena 55).

Ngongole udzabwezeredwa pa nthawi ndi amene anapangidwa pambuyo nthawi yoikidwiratu imene mgwirizano, ayenera kutengedwa payokha. Mlandu pobwereka yochepa ndi mtundu yaitali ikuchitika, monga ife tikudziwa kale, nawonso ikuchitika kwayekha. Imathandiza kuganizira limatchula za mtundu uliwonse wa ntchito ndalama.

mlandu kudzipereka

Ponena kwa nthaŵi yaitali - pali 2 njira yaikulu ya mlandu.

Choyamba, n'zotheka kupanga Kulumikizana nkhani 67 ticite kukhwima ngongole kapena amatha ngongole. Chachiwiri, wotuluka zimaonekera nkhani zogwirizana mpaka nthawi monga maudindo ziwalo kukhwima adzakhala masiku 365.

Ngati nthawi - zochepa, izo ziyenera kugwiritsidwa ntchito ndi 66, amene n'komwe, nayenso ngongole yochepa. njira zimaonekera mlandu ngongole nthawi yaitali - 1 kapena 2 chiwembu, ziyenera wobvomerezedwayo mwa ndondomeko mlandu wa kampani.

Pali gulu lapadera la ngongole - popangidwa ndi issuance wa masheya kampani. Tiyeni kuphunzira iwo mwatsatanetsatane.

Ngongole ndi opereka: mbali mlandu

Kaperekedwe akutenga ndalama ku funso ili. Tikumbukenso kuti Kulumikizana ntchito chifukwa cha udindo mu funso phunziro kwa chomwecho, ngati momwe zinalili ndi akutenga ndalama ochiritsira.

Mbali yaikulu ya chinyezimiro mu ntchito mlandu leveraged kuwonekera chifukwa umuna, ndi kuti mu nkhani kuthamanga sheya zolowa pamwamba mtengo mwadzina kapena lolingana izo, lolemba zotsatirazi zidzayenera ntchito:

• Ari 51, 66 kapena 67 Kr (pa ndalama lolingana mtengo mwadzina chikalata sheya);
• Ari 51 Km 98 (ndi mulingo kunyezimiritsa kuwonjezeka mu mtengo wachibale mwadzina sheya chikalata).

Pamene ndalamazo umaonekera Nkhani 98 ayenera uniformly mlandu mwa nthawi mpaka anapanga sheya zolowa nkhani 91.

Ngati sheya anayikidwa pa mtengo wotsika kuposa mwadzina, kusiyana lolingana ayenera kulipira uniformly mu nthawi ya mgwirizano zolowa ndi mbiri 91,1 DR, Kr 66 (kapena 67).

The kampani pansi ndondomeko kulongosola kwa amene nkhani ya kuwerengetsera pansi Kuyamikira ndi ngongole, akhoza kukonza kuti kuchepa mtengo wa masheya chikalata poyamba ayenera kumwedwa mu Nkhani ya kapangidwe ka ndalama mtsogolo. Ngati ndi choncho, ndiye kuti fixation wa malonda mlandu akaundula DR Kulumikizana 97 ntchito Kr 66 (kapena 67).

Kuwonjezeka mu mtengo mwadzina wa ngongole mwachibale kwa mtengo wa malawi ake m'gulu kapangidwe ndalama opaleshoni pa mwezi m'nthawi ya makope sheya ntchito zotsatirazi zolemba kaundula: Deuteronomo 91,2, 97 Km.

Chidwi ayenera kulembedwa mosiyana chachikulu. Chinyezimiro cha ntchito nawo mbali ya amachita m'ndende pogwiritsa ntchito kujambula Ari 91,2 Km 66, 67.

kampaniyo akayike mu kuwerengera ndalama ndondomeko imene mlandu wa ndalama pa ngongole ndi Kuyamikira mu malipiro chidwi pa chuma, nawonso, adzakhala nawonso m'gulu kapangidwe ka ndalama mtsogolo. M'menemo Ari Kulumikizana 97, RM ntchito. 66, 67.

Kuchuluka chidwi sheya, pamene zolowa awo ikuchitika, ndipamene ndalama ntchito - amapanga kuchuluka ake mwezi analemba mbiri Ari 91,2 Km. 97.

Kuweta ndi zina ndalama chifukwa udindo wa

Ndalama akuwuka kwa ntchito ndalama anabwereka tsopano akhoza kukhala waukulu kapena zina. Zoyambazo monga yaikulu chidwi pansi mgwirizano. Gulu lachiwiri kawirikawiri - kusinthitsa ndalama kusiyana.

Ndalama waukulu kukhala mbali kapangidwe ka ndalama opaleshoni ya kampani. Kuti bwino kuganizira Pankhaniyi, ngongoleyo, Kulumikizana ndi iyenera kugwiritsidwa ntchito: 91,2 Am, Km. 66 (kapena 67).

ndi omwe akugwirizana ndi malipiro ntchito intermediaries mu processing wa ngongole, alangizi kuti ndalama zina kwambiri. Komanso siyana ndi zogwirizana ndalama analandira monga msonkho komanso zolipira. Kuti bwino kuganizira chiwembu cha ngongole zogwirizana kapena ngongole, ndi Kulumikizana, zotsatirazi: 91,2 Am, Km 60 (kapena 76).

Mlandu ngongole ndi kugula katundu amodzi

Ena mokoma yodziwika Malawi cha ngongole ndi Kuyamikira, tsopano chokongoletsedwa ncholinga ndalama mu chuma lokhazikika. Kodi chimodzimodzi Kodi nkhani udindo awa zikudalira pali amortization mtengo wa ndalama zogwirizana. Ngati ayi, kodi ndalama kuti imakhudzana ndi processing wa ngongole ali m'gulu kapangidwe ka ndalama opaleshoni.

A mndandanda enieni katundu mapulani amene sayenera mlandu amortization, wolembedwa mu Russian Malawi Abwino. Mlandu ngongole ngati depreciated, chinali cholinga monga ndalama kwa iwo mu mtengo koyamba chuma zokhudza chuma lokhazikika. Ndondomeko lolingana akhoza kugwiritsidwa ntchito ngati:

• kampaniyo anali ndalama zokhudzana ndi kupeza kapena kumanga katundu lokhazikika;
• chifukwa cha kusintha chidwi pa processing ngongole kapena ngongole?
• Os chinthu zili m'gulu kapangidwe ka ndalama likulu.

muyezo china chofunika - Os chinthu sayenera achita m'Mphamvu.

Pofuna kuti pakhale ziwalo ngongole dera ndi ngongole, chifukwa muzigwiritsa mlandu wapadera - 08. Ndi Kulumikizana ake aumbike ntchito Ari 08, Km 66 (kapena 67). Koma ngati amalembedwa si anakumana, ndalama kwa ngongole analembedwa mkati ndalama opaleshoni. Mu nkhani iyi, lolemba madebiti 91,2, RM. 66 (kapena 67).

Mlandu ngongole ndi kugula zipangizo

kampaniyo mungapange ngongole kubanki kapena ngongole zibwenzi ngati mukufuna aganyali zipangizo ntchito pa ulimi. Chifukwa cha wotuluka ngati bizinesi applicable Kulumikizana limene chidwi m'gulu kapangidwe zipangizo mtengo: Ari 10, RM. 66 (kapena 67).

Onani kuti chidwi lolipiridwa kuonjezera mtengo zipangizo yekha ngati iwo ati mlandu mpaka lolemba chuma yoyenera mu nyumba yosungiramo katundu wa kampani. Ngati iwo mlandu pambuyo lolemba ndi chidwi ayenera m'gulu kapangidwe ka ndalama opaleshoni. Lidalembedwa madebiti zolemba ndi 91,2 bilu.

Mlandu wa zolemba promissory

Tiyeni tikambirane mbali ina yofunika ya kugona ndi angongole ndi borrowers: Nkhani ngongole zokhudzana ndi promissory cholemba. ntchito Business, omwe akufanana nawo, zikugwirizananso ndi lolemba:

• Ndine 51 (52), Km 66 (kapena 67), pamene izo zifika kwenikweni analandira ndalama;
• 91,2 Deuteronomo, Km 66 (kapena 67) mu zina.

Chidwi kapena, Tikawonetsetsa kuchuluka amasonyeza kuchepa mtengo wa ndalama ndi nkhani momwemo, kotero kuti udindo wa akuwuka kwa kampani chifukwa cha nkhani ya sheya. Kutseka pansi pa promissory zolemba zolowa ntchito ikuchitika monga mwa kulingalira za bungwe banki kuti kuthetsa ngongole polemba DR 66, 67, Km 62, 76.

Ngati bungwe ali ndi izo, limabwerera ndalama zimene ndinalandira kwa banki mu nkhani ya kuchepetsa ndalama ngongole chifukwa wakuswa mgwirizano wopanga ija, Kulumikizana ntchito AT 66, 67, Km 50, 51.

Ngati mkati midzi olimba ndi makasitomala kapena makasitomala nkhani olandila, amene apezedwa ndi zolemba promissory, izi ziyenera kutengedwa mu nkhani za nkhani madebiti mlandu.

Ngati mukuchita ndi mabungwe okhudzana chuma kampani ndi Bank anapezazo, ndi Noteholders kapena wokongoza, nkhani zawo wochititsidwa ntchito nkhani 66 kapena 67 payokha.