Momwe mungadzinenere kuti ndinu bankirapuse kwa wochita bizinesi payekha komanso payekha - njira yolengezera munthu aliyense komanso wochita bizinesi wabweza pamaso pa omwe adamupatsa ngongole + thandizo lazamalamulo mu bankirapuse

Moni, owerenga okondedwa a magazini ya Ideas for Life! Lero tikambirana za momwe tingalengezere bankirapuse kwa munthu aliyense payekha komanso wochita bizinesi (IE), ndizofunikira ziti kuti adziwonetse kuti ndi bankirapuse pamaso pa banki.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Kuchokera m'nkhaniyi muphunzira:

• Kodi munthu wamba angalengeze bwanji kuti alibe ndalama ndipo zingamupatse chiyani;
• Zotsatira zakulengeza kuti bankirapuse ndi munthu wabizinesi ndi ziti?
• Kodi ndi njira ziti zomwe ziyenera kuchitidwa kuti mudziwonetse nokha kuti mulibe ngongole;
• Chingakhale chisankho cha khothi pamlandu wa bankirapuse;
• Ndipo ndikofunikira kufunafuna chithandizo cha akatswiri mukalengeza za bankirapuse.

Komanso kumapeto kwa nkhaniyi, owerenga apeza mayankho amafunso omwe amafunsidwa kawirikawiri.

Mbali yazachuma ndi imodzi mwazofunikira kwambiri pamoyo. Ichi ndichifukwa chake chitetezo chalamulo mderali ndichofunikira kwambiri. Nthaŵi zambiri, ndi njira ya bankirapuse yomwe imathandizira kuthana ndi zovuta.

Za bankirapuse - ndi chiyani, ndi zizindikilo ndi magawo ati a njirayi, tidalemba m'nkhani ina.

Chifukwa chake, nkhaniyi izithandiza anthu onse, komanso aliyense payekha. Makhalidwe ozindikiritsa nzika kuti alibe ngongole mwamtheradi aliyense ayenera kudziwa.

Ndikofunika kumvetsetsa kuti munthawi yamavuto azachuma, ngakhale iwo omwe masiku ano amalipira ngongole zawo komanso kuthana ndi mavuto azachuma atha kukhala pamavuto. Werengani zambiri zakukwaniritsidwa kwa njira ya bankirapuse pompano!

Momwe mungalengezere / kulengeza kuti ndinu bankirapuse (munthu aliyense payekha komanso wochita bizinesi), ndi zinthu ziti zofunika kuti mulengeze kuti bankirapuse - werengani za izi ndi zina zambiri.

1. Momwe mungadzinenere kuti ndinu bankirisi pamaso pa banki, kusiya ngongole - mbali yalamulo ya bankirapuse 📎

Mabungwe akhala ndi ufulu kulengeza za bankirapuse mu Russian Federation kwanthawi yayitali. Kuphatikiza apo, kwa anthu, komanso amalonda payekha, mwayi woterewu wawonekera posachedwa - mu Okutobala 2015.

Lamulo lokhazikitsa bankirapuse lidakambidwa pafupifupi zaka khumi... Nthawi yonseyi, zidadzetsa chidwi pakati pa anthu ndipo adalandiridwa mu 2014. Komabe, kulowa kwake muntchito zalamulo kudachedwa chifukwa chofunikira kulingalira zosintha zingapo zofunika.

Chifukwa china chakuchedwetsaku chinali kuchuluka kwakukulu kwa zopempha zoyembekezeka kuchokera kwa nzika. Nthawi imeneyo khothi linali osakonzeka kuthana nazo ndi kuchuluka kotereku.

Ngakhale panali zovuta zambiri, lamuloli lidasankhidwa. Zotsatira zake, anthu adakwanitsa kutero sungani mavuto anu azachumandikuyimanso Kutsutsa mabungwe osonkhanitsa.

Mwanjira ina, chifukwa chakusintha kwatsopano ndi kusintha kwamalamulo, munthu aliyense ali ndi mwayi woyamba moyo kuyambira pomwepo.

1.1. Kuphatikiza ndi kusasinthika kwa malamulo pokhudzana ndi bankirapuse ya anthu

Lero mutha kugula pafupifupi chilichonse pangongole. Izi sizinthu zodula zokha zokha - nyumba ndipo magalimoto, komanso zipangizo zapakhomo, matelefoni ndi ena osati okwera mtengo kwambiri zinthu... Nthawi yomweyo, mpikisano pamsika wazogulitsa ngongole ndiwokwera kwambiri.

Chiwerengero chachikulu cha mabanki, kuyesera kuti akope makasitomala okha, nthawi zonse amachepetsa njira zopezera ngongole. Lero, mutha kupeza ndalama zofunikira kwambiri ndi pasipoti.

Mbali inayi, izi zikuyenda bwino pachuma: nzika zitha kukwanitsa, malonda akukula.

Komabe, munthawi yamavuto, komanso kuchuluka kwa kuchuluka kwa anthu osawerengera, zinthu zimakhala zofala kwambiri ndalama zowerengera ngongole zomwe adalandira alibe.

Ziwerengero zimatilola kuwunika kukula kwatsoka la zomwe zachitikazo. Pafupifupi Nzika 15 zaku Russia (ndiye kuti, chakhumi chilichonse) amalipira ngongole zoposa imodzi. Mu theka loyambirira la 2018, kuchuluka kwa ngongole zomwe zidalipira ngongole zaku Russia zidafika pamlingo wambiri ndipo zidapitilira 19%... Mwandalama, izi ndi za 37 biliyoni.

Akatswiri apeza kuti pafupifupi 1 mwa 5 (asanu) obwereketsa amalephera kubweza ngongole panthawi. Izi zimawonedwa pamitundu yonse yobwereketsa - pa ngongole yanyumba, wogula, ndi ngongole zagalimoto.

Sikuti nzika zonse zaku Russia ndizomwe zimawerenga bwino. Anthu ambiri amaiwala za lamulo lofunika kubwereka - musanatenge ngongole, ndiyofunika kuwerengera bwino momwe mungakwaniritsire kubwereketsa, komanso kuganizira zovuta zomwe zilipo kale.

Zotsatira zake, chikhumbo chachilengedwe chovomerezeka chofuna kukonza moyo chimakhala zimayambitsa mavuto akulu.

Zotsatira zamakhalidwe osasamala m'mbali zachuma nthawi zonse zimakhala zosasangalatsa. Ndalama zomwe zimalandiridwa sizimalola kulipira zomwe zikuchitika munthawi yake komanso zonse. Mabanki pankhaniyi amalipiritsa chindapusandipo zilango zamtundu uliwonsendipo ngongole ikukula mosalekeza.

Ngakhale zowona kuti, chifukwa cha kuyambika kwavutoli, kuchuluka kwa ngongole zatsopano kudayamba kuchepa, kuchuluka kwa zolipiritsa zomwe zimachedwa kwambiri, chifukwa palibe amene amathetsa ngongole zakale.

Zinthu zafika povuta kwambiri: lero, anthu ambiri aku Russia ataya ndalama zawo.

Zonse zomwe zatchulidwazi zidakakamiza boma la Russia kugwiritsa ntchito zomwe zatukuka ku Europe. M'mayiko omwe ali kumeneko, kutha kwa nzika kwakhala kukugwira ntchito kwazaka zambiri.

1.2. Mipata iti yomwe imawoneka mukamapereka mwayi wokhala bankirapuse

Lamulo la bankirapuse limalola nzika zaku Russia zomwe ngongole zawo zimaposa Ma ruble 500 (mazana asanu), pakakhala kuti palibe mwayi woti akwaniritse zomwe zikuganiziridwa, pemphani kwa oyang'anira milandu kuti awononge kuti ali banki.

Komabe, kuwonjezera pa bankirapuse, njira zina zothetsera vutoli ndizovomerezeka:

1. kumaliza mgwirizano wamtendere pakati pa wobwereketsa ndi wobwereka;
2. kukonzanso ngongole zomwe zilipo kale.

Lamuloli limagwira nzika zonse, kuphatikiza omwe adalembetsa ngati amalonda. Ufulu woyambitsa milandu ya bankirapusiti sikuti ndi ya wobwerekakomanso wobwereketsakwa omwe adalipira ngongole.

Chifukwa chake, kukhazikitsidwa kwa lamulo la bankirapuse kunali kwakukulu zofunikandipo kuyembekezera... Kutheka, posachedwapa chiwerengero cha iwo omwe agwiritsa ntchito ufulu wawo woti bankirapuse sichidzauma.

Nthawi yomweyo, zikuyembekezeka kuti ngongole zambiri zidzachotsedwa, komanso njira zabwino zothanirana ndi ndalama zidzapezedwa nzika zambiri.

Zotsatira zoyipa zakulengeza za wochita bizinesi komanso munthu wochita banki

2. Zotsatira zakulengeza za munthu payekha komanso wochita bizinesi payekha 📑

Ngati munthu anena kuti wabweza ndalama, katundu wake yense, yemwe okwera mtengo kwambiri 100 (zana) ma ruble zikwiziyenera kugulitsidwa kudzera m'misika yogulitsa bankirapuse mkati Miyezi 6 (sikisi)... Njira yogulitsira imayang'aniridwa ndi woyang'anira zachuma. Amauza a Arbitration Court momwe ntchito ikuyendera, komanso momwe akukhalira ndi omwe amabweza ngongole.

Katundu yense wa amene ali ndi ngongole akagulitsidwa, khothi limazindikira nzika kuti zamasulidwa ku ngongole. Kuphatikiza apo, ngakhale zinthu zomwe okongoza ngongole sanalandire, ngongole zatha.

Izi zikufotokozedwa ndikuti palibenso china chogulitsa kwa wobwereketsa. Zotsatira za ndondomekoyi ndikuti munthu wina wabweza ndalama komanso kutseka kwa mlandu womwewo.

Pasanathe zaka zitatu (zitatu) kuyambira pomwe ngongole yakonzanso, nzika ilibe ufulu:

• amakhala woyambitsa bungwe lalamulo, komanso kugula magawo m'makampani aliwonse;
• Chitani zinthu zopanda pake ndi katundu (izi ndizotheka pokhapokha ndi chilolezo cha manejala).

Kungoyambira pomwe munthu walembedwa kuti ndi banki, malamulo awa ndi awa:

1. Kulephera kugwira ntchito m'maudindo oyang'anira kwa zaka zisanu.
2. Kuletsa kuchita bizinesi yamtundu uliwonse.
3. Udindo, ngati mukufuna kufunsira ngongole, kuchenjeza banki za bankirapuse pasanathe zaka 5 (zisanu) zapitazo.

Kuphatikiza apo, panthawi yazachuma, nzika zitha kukhala nazo zovuta popita kunja... Izi nthawi zambiri zimakwezedwa katundu yense atagulitsidwa.

Aliyense amene angaganize kuti ndi bankirapuse ayenera kumvetsetsa kuti chisankho choyenera pankhaniyi chikhala chosokoneza mbiri ya munthu.

Mabungwe angongole safuna kubwereka ndalama kwa anthu omwe omwe adalengezedwa kuti anali bankirapuse... Ngakhale ngongole itaperekedwa, chiwongola dzanja chidzakhala pamlingo wapamwamba kwambiri, monga mbiri yakale ya ngongole silingaganiziridwe.

Komabe, palinso ubwino kuyambira kulengezedwa kuti ndi bankirapuse. Choyamba, nkhani yabwino ndiyakuti katundu akagulitsidwa, kuzunza kwa omwe amabweza ngongole kumatha. Poterepa, wobwerekayo sazunzidwanso chifukwa chakuimbidwa foni, kulembedwa makalata komanso kuchezeredwa.

Lingaliro loti alengeze ngongole ali ndi ngongole, woyang'anira zachuma amatumiza zankhaniyi kwa atolankhani oyenera. Kuphatikiza apo, chidziwitsocho chimatumizidwa ku banki iliyonse komwe munthuyo adabwereka.

Nzika idzakhala yotayika kwa zaka zisanu kuyambira tsiku lomanga chisankho.

---

Chifukwa chake, njira za bankirapuse zimakhala ndi zovuta zingapo. Ndikofunikira kumvetsetsa zomwe ali kuti musadzapeze zosayembekezereka mtsogolo.

Zoyenera kulengeza kuti munthu walowa pantchito

3. Zomwe mungalengeze ndikulengeza kuti bankrupt itayika - amene amayamba ndi kupanga chisankho 📌

Masiku ano, nzika zambiri zili ndi mwayi wogula chilichonse, ngakhale alibe ndalama. Nthawi yomweyo, mitengo lero ku Russia kwambiri.

Zotsatira zake, obwereketsa ambiri amakhala ndi zovuta pakubweza ngongole zomwe zidalipo kale. Nthawi zambiri amayesetsa kuthetsa mavutowa pofunsira ngongole zatsopano kuti abwezere zakale.

Kuyambira yophukira 2015 iwo amene asonkhanitsa ngongole zambirimbiri ndipo sangathe kupitiriza kulipira, ali ndi mwayi wothetsa mavuto awo podzinena kuti ndi banki. Milandu yoyenera ikuchitika ndi Khothi Lalikulu Laku Russia.

Mpaka pano, njira za bankirapuse zagwiritsidwa kale ntchito kwa obwereketsa pafupifupi mazana asanu ndi limodzi (chiwerengerochi chikukula), 1.5 (theka ndi theka) peresenti kuchokera kuchuluka kwawo. Kuphatikiza apo, za Obwereketsa 6.5 miliyoni akuchedwa kuposa miyezi 3 (itatu). Ayeneranso kuti athe kugwiritsa ntchito ufulu walamulo kulengeza kuti ndi banki kuti athetse mavuto azachuma.

Kuti nzika zizikhala ndi mwayi wonenedwa kuti ndi banki, zinthu zingapo ziyenera kukwaniritsidwa:

• kuchuluka kwa ngongole pazoyenera zonse za munthu (mwachitsanzo, mitundu yonse ya ngongole, zofunikira ndi zolipira zina) zimapitilira ma ruble theka la miliyoni (500 zikwi);
• Kuchedwa kwadutsa masiku 90;
• nzika ilibe ngongole.

Nthawi yomweyo, ndikofunikira kumvetsetsa zomwe zili kusamvana... Maloya amatanthauzira izi motere: ndi ndalama zomwe zimawonekera pomwe, atatha kupereka zonse mokakamizidwa, nzika imakhala ndi ndalama zocheperako poyerekeza ndi za moyo.

3.1. Yemwe amayambitsa milandu ya bankirapuse

Mwachidule, bankirapuse amatanthauza kulephera kwa nzika kulipira ngongole zake zomwe zawonetsedwa kukhothi. Poterepa, oyambitsa njira za bankirapuse atha kukhala osati munthu yekhayo kapena wochita bizinesi yekhakomanso mwachindunji kwa omwe amawabweza ngongole.

Nthawi zambiri, mabanki ndi makampani ena, omwe nzika zili ndi ngongole zawo, amagwiritsa ntchito mwayiwu ngati wobwereketsayo akuganiza kuti akunama.

Ndiye kuti, wobwereka ali ndi mwayi wolipiritsa pazokha, koma pazifukwa zina sakufuna kuchita izi.

Kuphatikiza apo, mwamaganizidwe pali kuthekera lembani fomu yofunsira kuti mulole wobwereka kuti wabweza... Woyambitsa pankhaniyi atha kukhala achibale omwe adalandira ngongolezo.

3.2. Ndani ali ndi ufulu kulengeza za bankirapuse

Ndikofunikira kuzindikira kuti lingaliro loti nzika ya bankrupt itha kupangidwa khothi lakuweluza lokha... Poterepa, antchito ake ayenera kutsimikizira zizindikilo zakubweza ngongolekapena kusowa kwa izi.

Mwanjira ina, ngati nzika ikufuna kulembetsa bankirapuse, iyenera kutsimikizira kuti siyingalipire zomwe ikufuna.

Pakhoza kukhala zifukwa zazikulu zomwe nzika imatha kukana kubweza ngongole zake. Khothi livomereza kuti lisakhutiritse onsewo.

Zifukwa zonse zokanira kuzimitsa zitha kugawidwa motere:

• cholingazomwe sizidalira wobwereka, mwachitsanzo, nyengo yamavuto mdzikolo;
• wogonjera- zifukwa kutengera momwe zinthu ziliri pamoyo wanu, mwachitsanzo, matenda, kuchotsedwa ntchito, kutayika kwa ndalama chifukwa cha bizinesi.

Ngati nzika ikufuna kulengezedwa ngati bankirapuse, iyenera kumvetsetsa kuti mkati mwa zaka 5 (zisanu) sangakhale ndi mwayi wopeza ngongole yatsopano. Kumbali imodzi, izi zimabweretsa kusatheka kupeza zinthu zodula, komano, ndizokayikitsa kuti zitha kulowa munkhongole zatsopano.

---

Nzika ziyenera kudziwa momwe zingathetsere mavuto azachuma. Ndikofunikira osati kungopanga chisankho choyenera, komanso kuwunika zomwe zingachitike pakukonzekera zochitika.

Ndondomeko yodzinenera kuti ndinu bankirapuse

4. Momwe mungalengezere bankirapuse kwa munthu aliyense - kalozera ndi sitepe 📝

Iwo amene akufuna kulengeza za bankirapuse ayenera kudutsa masitepe angapo. Izi zokha ndizothandiza kuthana ndi ngongole. Koma musaiwale kuti kubweza ngongole sikophweka. Ngakhale chigamulo cha khothi ndi zabwinoMulimonsemo, muyenera kulipira ngongole zanu mwanjira iliyonse.

Kuwerengedwa kudzapangidwa malinga ngati wobwereketsa ali ndi katundu, monga chosunthandipo osasunthika.

Zinthu zonse za bankirapuse zomwe zikuyimira zilizonse kufunika.

Malire okha - sikungatheke kuchotsa nyumba zokhazokha za wobwereketsa. "

Chifukwa chake, munthu sayenera kuyembekeza kuti bankirapuse idzakhala yankho lopweteka komanso labwino pamavuto azachuma. Nthawi zambiri, ndizabwino kuimitsa kakhazikitsidwe pantchito zanu.

Zowona, kubweza ngongole ikhoza kukhala njira yabwino yothetsera kukakamizidwa kwamaganizidwe, komanso kuchotsa zonena za omwe amatolera ndalama.

Ponena za njira yolengeza nzika kukhala bankirapuse mwachindunji, zimachitika motsatira njira zingapo.

Khwerero # 1. Kulembetsa phukusi la zikalata

Gawo loyamba la njira ya bankirapuse ndikutolera zikalata zofunika. Tiyenera kukumbukira kuti pempho la bankirapuse sindilo lokhalo lomwe likufunika.

Phukusi lathunthu la mapepala onse ofunikira ndilabwino, mwachikhalidwe limaphatikizapo:

• zikalata, komanso udindo wokhala nzika - pasipoti, ziphaso za ana onse, komanso ukwati;
• ngati wobwereketsayo adasudzula, kuphatikiza pa satifiketi yolingana, zikalata zidzafunika pokhudzana ndi kugawidwa kwa katundu;
• Sitifiketi ya TIN;
• lipoti la akaunti yake ya wokhometsa msonkho;
• chikalata chotsimikizira kulembetsa (kapena kupezeka kwake) ngati wochita bizinesi payekha;
• mapepala otsimikizira kusungulumwa kwachuma - ziphaso zopeza ndalama m'miyezi itatu yapitayi, komanso ngati kulibe ntchito, chikalata chochokera kuntchito;
• zikalata zokhudzana ndi zomwe nzika ziyenera kuchita - mndandanda wa omwe amabweza ngongole, satifiketi ya kuchuluka kwa ngongole, kuchedwa;
• mapepala azachipatala - satifiketi yolumala, matenda, tchuthi chodwala ndi ena;
• mapepala osamalira ndi kupezeka kwa odalira;
• zambiri zokhudza katundu wa wobwereketsa.

Zofunika! Sonyezani momwe mukugwiritsira ntchito zonse zomwe zilipo zomwe zikutsimikizira kuti bankirapuse yawonongeka.

Muyenera kutumiza fomu yopita ku Arbitration Court (mwayekha), kuti mulembetse ku ofesi. Mutha kutsitsa pulogalamu yofunsira yemwe ali ndi ngongole bankirapuse (chitsanzo) Pano.

Zitsanzo zofunsira kulengeza kuti wobweza ngongole wabweza (.docx, 17.8 kb.)

Mukakonzekera zikalata zofunikira ndikulemba fomu, mutha kupita ku gawo lotsatira.

Khwerero # 2. Kusamutsa zikalata kukhothi

Ntchitoyo ikakonzedwa, ndi phukusi lonse la zikalata zofunikira zitasonkhanitsidwa, mutha kulembetsa ku khothi la arbitration. Poterepa, ndikofunikira kusankha gawo lomwe muyenera kupita.

Pali njira zingapo:

• pamalo olembetsa pakali pano;
• ku adilesi ya kulembetsa komaliza;
• kumalo okhalamo panthawi yopita kukhothi.

Muyenera kukonzekera mokwanira momwe mungathere mukapita kukhothi. Izi zithandizira kuti tipewe kuchedwa kofulumira kwa maboma ndikuthetsa mlanduwo mwachangu.

Ngati munthu amene angaganize kuti alibe ndalama alibe nthawi ndipo akufuna kuchita izi payekha, mutha khulupirirani akatswiri... Pamenepa muyenera kupereka mphamvu ya loya, zomwe ziyenera kukhala ndi chidziwitso chokhudza mphamvu za munthu wololedwa. Iyenera kuwonetsedwa ngati ili ndi ufulu kuyimira zofuna za wobwereketsa kukhothi, kupereka zopempha zonse ndi zonena. Ngati mphamvu zasamutsidwa kwathunthu, wobwereka yekha sadzadandaula ndi chilichonse.

Pali njira zingapo zoperekera zikalata kwa oyang'anira milandu:

• panokha;
• kudzera pamakalata;
• kudzera mwa munthu wodalirika;
• pogwiritsa ntchito bwalo lamilandu.

Zikalata zonse zikaperekedwa, ntchito yoweruza imayamba. Ntchito zawo ndi monga onetsanikapena tsutsachakuti wobwereketsayo sangakwanitse kudzipereka yekha pazifukwa zilizonse.

Pachifukwa ichi, oyang'anira khothi amafufuza ngati chikhumbo cha nzika chofuna kubweza chimakhala chovomerezeka. Poterepa, ndikofunikira kudziwa ngati wopemphayo wachita kugulitsa katundu wamkulu.

Izi ndizowona makamaka pakupereka malo ndi nyumba, komanso kutseka maakaunti aku banki ndikusungitsa ndalama mdzina la abale.

---

Tiyenera kukumbukira kuti kuyesayesa kulikonse kubisa kupezeka kwa malo ali ndi mavuto amitundu yonse. Zitha kukhala ngati kupereka chindapusa (udindo woyang'anira)ndipo kumangidwa (mlandu).

Khwerero # 3. Kumangidwa kwa Katundu wa Wobwereketsa ndi Kusankhidwa kwa Woyang'anira Pakulamula

Khothi litangotsegula milandu yolengeza kuti nzika ya bankirapuse, amangidwa pamanda ake. Kuphatikiza apo oweruza amasankha woyang'anira zachuma.

Ntchito ndi kufunikira kwa oyang'anira milandu (azachuma)

Ntchito zazikulu za oyang'anira ndalama ndi:

1. kuwongolera mavuto azachuma wa munthu amene wachita zachinyengo;
2. kulankhulana ndi omwe amapereka ngongole;
3. ngati kuli kotheka, pangani dongosolo lokonzanso ngongole;
4. ngati nzika yalandiridwa kuti ndi banki, ganizirani ndi kugulitsa katundu wake.

Wobwereketsa ayenera kumvetsetsa kuti kutaya katundu wake yense yochitidwa kudzera mwa Commissioner wa bankirapuse... Chifukwa chake, zochitika zilizonse zomwe zingachitike popanda woyang'anira yemwe atenga nawo gawo sizikhala zofunikira.

Woyang'anira zachuma amachita ntchito yake pamalipiro ena. Nthawi zambiri imakhala ndi gawo lokhazikika (kuchokera 10 (khumi) mpaka 25 (makumi awiri ndi mphambu zisanu) zikwi ma ruble) ndi zina zowonjezera pamtengo 2% kuchokera pazolipira omwe adapereka ngongole.

Kuti mumvetsetse bwino zomwe zachitika panjira iliyonse ya bankirapuse, zafotokozedwa patebulo pansipa.

№	Gawo	Njira zofunikira	Nthawi yogwiritsira ntchito
1.	Kulembetsa phukusi la zikalata	Kulumikizana ndi mabungwe aboma ndi aboma kuti mupeze ziphaso zofunika	Payekha ndipo zimadalira momwe zinthu ziliri, pafupifupi - 1 (imodzi) - 2 (awiri) milungu
2.	Kusamutsa zikalata kukhothi	Kulembetsa ntchito Kusamutsa phukusi la zikalata ndi fomu yofunsira kwa oyang'anira milandu	1 (one) - masiku awiri (awiri)
3.	Kupanga chisankho	Nzika iyenera kuyanjana ndi oweruza komanso oyang'anira ndalama	Kuyambira masiku 14 mpaka theka la chaka

Kuwongolera momwe angapangitsire munthu wochita bizinesi kukhala wopanda pake - zofunikira ndi zotsatira zakulengeza wabizinesi yemwe wabweza

5. Momwe mungalengezere (kulengeza) munthu yemwe wabizinesi sangachitike - zikhalidwe ndi zifukwa zolengezera bankirapuse 📊

Amalonda payekha amafanizidwa ndi anthu achilengedwe. Chifukwa chake, njira yowalengeza kuti bankirapuse ikuchitika molingana ndi nzika zofananira. Komabe, pali zosiyana.

Kusiyanitsa kwakukulu kumakhudzana ndi zikalata zomwe zaperekedwa. Kuphatikiza pa mndandanda wokhudzana ndi nzika wamba, SP iyenera kugonjera:

• satifiketi yolembetsa kuboma kwa wochita bizinesi payekha;
• Kuchokera ku USRIP;
• satifiketi yopanga ndalama ku bajeti (misonkho).

Panthaŵi yamavuto, amalonda ambiri zimawavuta kukhalabe pamadzi, osatayika.

Nthawi zambiri, amalonda omwe sanatenge ndalama nthawi ngati imeneyi amatha kutseka mabizinesi awo kapena amadzinenera kuti alibe. Tinalemba nkhani "Momwe mungatsekere munthu wochita bizinesi nokha" m'nkhani ina.

Omwe akhala ali pamsika kwanthawi yayitali nthawi zambiri amakhala ndi maloya ogwira ntchito kwa iwo kapena amalankhula ndi akatswiri oterewa. Chifukwa chake, nthawi zambiri samakhala ndi zovuta pakulengeza za bankirapuse.

Monga nzika, wochita bizinesi payekha ayenera lembani ku Khothi Lachiweluziro ndikuchita zochitika za bankirapuse... Pokhapokha pokha ngongolezo zimatha kuchotsedwa.

Zofunika kukumbukirakuti osati wamalonda yekha, komanso omwe amamukongoletsa ali ndi ufulu woyambitsa njira yolengeza kuti alibe ngongole.

Mutha kulembetsa milandu yotsatirayi:

1. kuchuluka kwa ngongole zidapitilira Ma ruble 300 (mazana atatu) zikwi;
2. zolipira pazokakamizidwa sizimalipiridwa kuposa Masiku 90;
3. malipiro akuchedwa.

Monga momwe zimakhalira ngati bankirapuse, wochita bizinesi amasankhidwa kukhala woyang'anira milandu.

Ndi iye amene amakhala wamkulu pakati pamilandu ndikuchita izi:

• kukonzekera ndikuwongolera dongosolo lokonzanso ngongole;
• kutenga nawo mbali pamilandu yamabwalo amilandu;
• zokambirana kumapeto kwa mgwirizano wamtendere.

Kuphatikiza apo, woyang'anira zachuma akuyenera kudziwa chifukwa chake zomwe bizinesi ya bizinesiyo sizinachite bwino.

Zifukwa za izi zitha kukhala:

1. wochita bizinesi alibe chidziwitso chofunikira;
2. Kulephera kwa olemba ntchito;
3. ndondomeko yolakwika yamitengo;
4. mpikisano wochepa ndi zina.

Chifukwa chake, njira yolengeza kuti wochita bizinesi payekha sangasiyane ndi njirayi kwa nzika.

6. Khothi lomwe lingakhale chigamulo (mgwirizano wamtendere, kukonzanso, kulengeza kuti bankirapuse) ⚖📄

Khothi litalandira pempholi, khothi liyamba kuyimba mlanduwu poti nzika yake yawonongeka.

Zotsatira zamlanduwu zitha kukhala chimodzi mwaziganizo zitatu (zitatu):

1. mgwirizano wamtendere;
2. kukonzanso ngongole;
3. kupereka nzika kukhala bankirapuse.

Tiyeni tione yankho lililonse mwatsatanetsatane.

6.1. Mgwirizano wokhazikika

Mgwirizano wamtendere umamalizidwa ngati wamangawa ndi wobwereketsa atavomereza kuthetsa kusamvana kwachuma pamikhalidwe ina.

Mwachitsanzo, mabungwe ena azachuma, omwe chiwongola dzanja chake chimakwera kwambiri, amavomereza kusiya kuzunza wobwereketsa ngati atalipira theka la ngongole.

Nthawi zambiri, ndi mgwirizano wokhazikika ndiye njira yabwino kwambiri kwa onse awiri. Komabe, si milandu yonse yomwe imatha kufikira mgwirizano.

Poterepa, khotilo lingaganize zokonzanso ngongoleyo kapena kunena kuti nzika ili bankirapuse.

6.2. Kukonzanso ngongole

Ntchito zazikulu pakukonzanso ngongole kugwera pamapewa a manejala azachuma... Ndi iye yemwe, atasanthula bwino za ngongole ndi momwe nzika zilili, apanga dongosolo latsopano lobwezera. Pambuyo pake, manejala amawapereka kwa omwe adamupatsa ngongole kuti awaganizire.

Njira zokhazikitsira dongosolo latsopano lokwanitsira ngongole zimatchedwa kukonzanso.

Ntchito yayikulu pantchitoyi ndikukweza ndalama za wobwereka, osachepera Kubwezeretsa pang'ono kwa solvency... Momwemonso, dongosolo lokonzanso liyenera kukhazikitsidwa mogwirizana pakati pa manejala, wobwereketsa ndi wobwereketsa.

Pali njira zingapo zofunika kukonzanso ngongole:

1. kuchepetsa kukula kwa zolipira pamwezi;
2. kuonjezera nthawi yobweza ngongole;
3. kulengeza kwa tchuthi changongole - nthawi yachisomo kwa miyezi ingapo pomwe ngongole siyabwezedwa.

Kukonzanso nthawi zambiri kumakhala koyenera mbali zonse za ndondomekoyi... Wokongola ali ndi mwayi wolipira ngongoleyo malinga ndi kuthekera kwake pachuma. Kuphatikiza apo, atalandira mgwirizano wokonzanso zilango zomwe zilandilidwa ndikulipilitsidwa kumatha.

Lingaliro ili ndilopindulitsanso kwa omwe amabweza ngongole, mosiyana ndi momwe wobwereketsa akuti amalephera kubweza ngongole zonse.

Pakukonzanso, omwe adalemba ngongole adatero mwayi weniweni posakhalitsa mudzabwezera ngongoleyo.

Dongosolo, lopangidwa ndi manejala panthawi yakukonzanso, limayendetsedwa mkati 3 (zitatu) zaka.

Pakadali pano, kumangidwa kumachotsedwa m'manja mwa wobwereketsa, komabe ziletso zingapo zimayikidwa pa ufulu walamulo wokhala nzika:

1. Ndikoletsedwa kukhala woyambitsa kampani.
2. Sikuloledwa kugula magawo mu bizinesi.
3. Kuletsedwa kumakhazikitsidwa pakukhazikitsa zochitika zopanda pake.

Mulimonsemo, panthawi yokonzanso ngongole, nzika iyenera kuchita zonse zokhudzana ndi ndalama zambiri, gwirizanani ndi woyang'anira zachuma.

Wobwereketsa ayenera kudziwa kuti si aliyense amene angadalire kukonzanso. Chikhalidwe cha kukhazikitsidwa kwake ndi ndalama zonse... Kuphatikiza apo, ndalama zomwe zimalandilidwa ziyenera kukhala zokwanira osati kungopanga ndalama panjira yomwe yakonzedwa. Zina mwa ndalamazo ziyenera kukhalabe kwa wobwereketsa yekha.

6.3. Kulengeza za munthu (wochita bizinesi payekha) wabweza

Nthawi yomwe mgwirizano wamtendere umatha, komanso kukonzanso ngongole zosatheka, khothi likhoza kusankha kupatsa nzika kukhala bankirapuse. Poterepa, zochita zinanso ndizogulitsa katundu wa wobwereketsa. Akhozanso kusankha kugulitsa gawo la nyumba ya mnzawoyo ndipo adapeza limodzi.

Komabe, sizinthu zonse zomwe zingagulitsidwe.

Osati kuyikidwa:

• nyumba, yomwe ndi nyumba yokhayo (kupatula - ngati ngongole yanyumba. Ndizothekanso - kugulitsa yomwe ilipo ndikugula yotsika mtengo);
• katundu wanu;
• malo pomwe pali nyumbayi, yomwe ndi malo okhalamo okha;
• zinthu zomwe zimagwiritsidwa ntchito tsiku ndi tsiku;
• mafuta otenthetsera nyumba;
• ziweto, komanso ziweto;
• zopambana ndi mphotho zolembetsedwa ngati katundu waboma;
• mphotho za boma.

Kuphatikiza apo, asanamalize njira yogulitsa malo kumsika, wobwereketsa alibe mutu Chitani zochitika zilizonse ndi katundu wolandidwa.

Komanso amene ali ndi ngongole, mpaka atanenedwa kuti ndi banki, alibe mwayi wopita kunja kwa Russia (mutha kutsutsa chigamulochi kukhothi).

---

Chifukwa chake, chigamulo cha khothi kuti alengeze ngati wabweza ndalama za munthu kapena wochita bizinesi atha kukhala osiyana... Izi zimatengera momwe zinthu zilili, komanso kuchuluka kwa ma nuances.

Nthawi zina, njira yokhayo yothetsera mavuto azachuma ndiyo kulengeza kubweza ngongole.

7. Thandizo lazamalamulo la akatswiri pantchito za bankirapuse 📎

Bankirapuse- funsoli ndi lovuta kwambiri, sikuti aliyense amatha kudziwa zinthu zonse ndi ma nuances pawokha. Aliyense amene akufuna kuti chigamulo cha khothi chikhale chopindulitsa kwa iye atha kulangizidwa kuti apemphe thandizo kwa akatswiri.

Lero, pali zilengezo zingapo zomwe zimapereka chithandizo pazochitika za bankirapuse. Zikatero chinthu chachikulu osalakwitsa posankha. Akatswiri amatchula makampani angapo ngati atsogoleri pantchito za bankirapuse.

1) National Bankirapuse Center

Kampani yoimiridwa imagwira ntchito m'malo ambiri mdziko lathu. Thandizo pano limaperekedwa ndi akatswiri odziwa bwino zamalamulo.

Ogwira ntchito pakampani amathandizira kukonza zikalata, komanso mawu ofanana nawo. Kuphatikiza apo, amatsogolera mlandu wa kasitomala kuti akwaniritse zomwe akufuna.

2) Ntchito Yonse ya Bankirapuse

Likulu la kampaniyi lili ku Moscow, nthambi zimafalikira ku Russia. Pofuna kusamalira makasitomala, kufunsira pa intaneti kumapangidwa.

Akatswiri amalimbikitsa kulumikizana ndi iwo omwe akufuna kuthana ndi vuto la bankirapuse mwachangu momwe angathere. Amaperekanso ntchito za bankirapuse kumabungwe azovomerezeka.

3) STOP zosonkhanitsira

Kampani yomwe imayimiliridwayo imagwiritsa ntchito oyang'anira milandu awo. Kampaniyi imapatsa iwo omwe akufuna kuti achite bankirapuse njira zabwino zothanirana ndi mavuto azachuma.

Kampaniyi yakhala ikugwira ntchito pamsika kwanthawi yayitali. Pakadali pano, adapeza mbiri yabwino, chifukwa chake mutha kulumikizana bwino pano.

4) Legartis

Awa ndi malo omwe amatchedwa malo othandizira amilandu. Apa amapereka chithandizo, komanso upangiri kuchokera kwa maloya akatswiri pazinthu zonse zokhudzana ndi bankirapuse. Ogwira ntchito pakampaniyo amakhala ndi njira yolankhulirana ndi kasitomala aliyense.

Atamvetsetsa bwino ma nuances onse amtundu uliwonse, akatswiri apanga yankho loyenera ngakhale m'malo omwe akuwoneka kuti ali zovuta ndipo zachilendo.

5) Lankhulani zokambirana

Kampaniyi ikuthandizani kuchotsa ngongole zonse m'njira yovomerezeka. Otsatsa anali otsimikiza mobwerezabwereza za kudalirika kwa kampani yomwe ikuyimiridwa. Nthawi yomweyo, musanakhazikitse chindapusa pazantchito zanu, kampaniyo ndiufulu kulangiza aliyense wopempha.

---

Chifukwa chake, kwa iwo omwe akufuna kudzinenera kuti ndi bankirase momwe angathere mofulumira ndipo yopindulitsa, ndibwino kupempha thandizo kwa akatswiri. Akuthandizani kuthana ndi mavuto moyenera momwe mungathere.

8. Mayankho a mafunso omwe amafunsidwa kawirikawiri 📋

Omwe asankha kuyambitsa zochitika za bankirapusadi amakhala ndi mafunso ambiri. Kuti musayang'ane mayankho kwa iwo, powerenga zambiri, tayesa kuyankha omwe amafunsidwa kawirikawiri.

Funso 1. Kodi ndingalembetse ngongole yatsopano ngati khothi lingandipatse mwayi wa bankirapuse?

Mwachidziwitso, palibe amene amatenga ufulu wobwereka kwa inu. Komabe, ziyenera kukumbukiridwa kuti nthawi ya Zaka 5 (zisanu) kuyambira pomwe adalengeza zakusokonekera pamalingaliro amkhothi, wobwerekayo akuyenera kudziwitsa wobwereketsa.

Ngakhale kutha kwa nthawi yomwe yatchulidwayo, munthu yemwe wachita bankirapuse adzatero sizovuta kupeza ngongole yatsopano... Mabungwe ambiri obwereketsa ndalama amakhulupirira kuti pankhaniyi, chiwopsezo chosabweza ndalama chikuwonjezeka kwambiri.

Ngakhale mutakwanitsa kupeza ngongole, simuyenera kuwerengera chiwongola dzanja. Chowonadi ndichakuti nzika italengezedwa kuti ndi banki, mbiri yake yabwino yangongole imatha.

Funso 2. Ndinachotsedwa ntchito ndikachotsedwa ntchito. Kodi ndingalengeze kuti ndi bankirapuse?

Nthawi zambiri, pokonzanso kapena kuchotsa kampani, ogwira ntchito amafunsidwa kuti alembe kalata yosiya ntchito mwaufulu wawo.

Zofunika! Kuti muchite izi zosafunika, makamaka ngati mukufuna kulembetsa bankirapuse. Khothi limawona izi ngati kuwononga dala chuma chawo.

Nthawi yomweyo, kuchotsedwa ntchito chifukwa chosiya ntchito m'malo mwake m'manja mwa nzika... Zimatanthawuza kuchepa kwa solvency pazifukwa zomwe sangathe kubweza ngongoleyo.

Poterepa, mwachidziwikire, vuto la bankirapuse litha posachedwa pazabwino zonse kwa wobwerekayo.

Funso 3. Ndimakhala munyumba yogona (ino ndi nyumba yanga yokhayo). Palibe njira yolipira ngongoleyi tsopano. Mukadzinena kuti ndinu bankirapuse, nanga nyumba ino ikhala chiyani?

Nyumba yogulidwa ndi ngongole yanyumba ndi ngongole yanyumba. Ngati wamangawa ali ndi chidwi chodzinena kuti wabweza banki, banki ili ndi ufulu wochotsa nyumbayo, yomwe ndi chikole.

Nthawi yomweyo, itha kugulitsidwa pamsika ngakhale ndi nyumba yokhayo.

Poterepa, wobwereka ayenera kusankha kupitiliza kulipira ngongole yanyumba kapena kusamukira kumalo ena.

Wobwerekayo ayenera kumvetsetsa kuti pogulitsa malo kumsika, iye ndalama zochepa kwambiri zimasamutsidwa.

Chifukwa chake, ndizotheka kuti m'malo mongodzinenera kuti ndinu bankirapuse, ndibwino kuyesa kugulitsa nyumba nokha (Tidalemba momwe tingagulitsire nyumba mwachangu).

Poterepa, wobwereketsa amafunafuna wogula amene amalipira ngongole yanyumba yonse, ndikusamutsira yotsalayo mwachindunji kwa wobwerekayo.

Vutoli litha kuthetsedwa motere ngati zovomerezekazo ndi banki pasadakhale.

Izi zimaphatikizaponso vuto lagalimoto (ndiye kuti, kuyesa kugulitsa). Tikukulimbikitsani kuti muwerenge nkhaniyi - "Momwe mungagulitsire galimoto mwachangu komanso modula."

Funso 4. Ngati ndanenedwa kuti ndine bankirapuse, kodi ngongole zandalama zichotsedwa?

Ndikofunikira kudziwa kuti ngakhale nzika italengezedwa kuti ndi bankirapuse, iye sadzamasulidwa kuchokera pakulipira maudindo angapo:

• chifukwa cha alimony;
• kulipidwa kwakusokonekera kwamakhalidwe;
• chifukwa cha kuvulala kwakuthupi komwe kwachitika.

Izi zikugwira ntchito pangongole zonse zapano komanso zomwe zidzachitike mtsogolo.

Chifukwa chake, posachedwa, aliyense payekha, komanso wochita bizinesi payekha (wochita bizinesi aliyense payekha), ali ndi mwayi wonena kuti ndi bankirapuse. Nthawi yomweyo, ndikofunikira kumvetsetsa kuti kuzindikira nzika kukhala ngati sangathenso kubweza ngongole kumakhala kovuta kwambiri. Yankho lotere silothandiza nthawi zonse.

Ndicho chifukwa chake akatswiri amalangiza kuti azichita bankirapuse pokhapokha ngati atero pomwe njira zina zothetsera mavuto azachuma ayi lilipo.

Ndikofunika kusanthula mosamala zotsatira zonse zomwe zingachitike chifukwa cha chisankhochi ngakhale musanapereke fomu yolengeza kuti wobwereketsa wabweza. Kuphatikiza apo, ndikofunikira kudziwa kuti izi zingatheke bwanji ngakhale musanapemphe ngongole.

Ngati mulinso ndi mafunso okhudza bankirapuse ya anthu komanso mabizinesi eni ake, momwe mungalembetse fomu yofunsira, komwe mungatsitse malamulo ndi zikalata za bankirapuse, mutha kuwerenga nkhaniyi kulumikizano.

Pomaliza, tikulimbikitsa kuwonera kanema pomwe woyang'anira bankirapuse akutiuza momwe angadzinenere kuti ndi bankirapuse:

Ndi kanema wamomwe mungasamalire munthu (IE) kuchokera ku kampani ya StopCredit:

Gulu la The Ideas for Life likufuna kukuthokozani chifukwa chotsatira bukuli! Tikufuna owerenga athu kuti apewe zovuta zachuma ndikuphunzira momwe angawunikire solvency yawo.

Ngati muli ndi ndemanga kapena mafunso pamutuwu, afunseni mu ndemanga pansipa.

Onerani kanemayo: Remember This - NF Live (June 2024).