Kubetcherana (misika) ya bankirapuse - magawo ndi magawo ogulitsa katundu wa bankirapuse ndi omwe amakhala ndi ngongole + Mapulatifomu a TOP-5 amagetsi ochitira bankrupt

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Moni, owerenga okondedwa a Magazini azachuma a Ideas for Life! Lero tikambirana za misika ya bankirapuse, kugulitsa malo omwe bankirapuse ndi omwe amakhala ndi ngongole, komanso misika ya bankirapuse ndi momwe tingachitire nawo.

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

Munkhaniyi muphunzira:

Kodi kubetcha bankirapuse ndi chiyani - mawonekedwe;
Momwe mungaperekere ndalama ndi misika ya bankirapuse (nsanja zamalonda) zomwe zilipo;
Zomwe zingagulitsidwe kumsika komanso momwe mungatenge nawo mbali pamagetsi amagetsi;
Momwe mungagulire katundu kudzera m'misili ya bankirapuse;
Momwe mungapangire ndalama pogula malo kudzera m'misika;

Kumapeto kwa nkhaniyi, mupeza mayankho amafunso omwe amafunsidwa pafupipafupi pamutuwu.

Nkhaniyi ikhale yothandiza kwa iwo omwe akufuna kutenga nawo mbali pamisili ya bankirapuse, komanso kwa iwo omwe ali ndi chidwi ndi mutuwu. Werengani zambiri zakubetcha bankirapuse pompano!

Pazokhudzana ndi kubweza ngongole: ndi chiyani komanso ndi magawo ati omwe muyenera kupitako kuti mutenge nawo gawo pobweza, ndi zinthu ziti za omwe amabweza ngongole ndi omwe amakhala ndi ngongole zomwe zimagulitsidwa kumsika wa bankirapuse - werengani za izi ndi zina zambiri

1. Zida zakubetcha za bankirapuse - njira zotsatsira ogulitsa bankirapuse ndi omwe amakhala ndi ngongole ⚖

Gawo lofunikira pakuwonongeka kwa ndalama ndi kugulitsa (kugulitsa) malo omwe ali ndi ngongole. Amakhala ngati gawo lomaliza la ndondomekoyi.

Kugulitsa malo kumakupatsani mwayi woti pang'ono pang'ono, ndipo nthawi zina, mukwaniritse zonse zomwe angongole.

Kugulitsa kwa mitundu yonse ya katundu wa bankirapuse ndi omwe ali ndi ngongole kumatha kuchitika malinga ndi malingaliro angapo:

Pamsika, zomwe zimamveka ngati zotsatsa zotseguka... Aliyense atha kutenga nawo mbali pamsika. Komabe, pali zosiyana. Kutenga nawo gawo pamisika yotseguka kumakhala kochepa ngati katundu yemwe alibe kufalikira, monga zida ndi zodzikongoletsera, agulitsidwa.
Pogulitsa katundu, yomwe ili ndi phindu (chikhalidwe kapena mbiri), komanso zipilala zikhalidwe ndi mbiri yakale, gwiritsani ntchito mipikisano... Chitetezo chikuyenera kuwonetsedwa panthawi yamagetsi, koma nthawi yomweyo, kufikira kwa chinthu chomwe chikugulitsidwa kuyenera kuperekedwa.

Pakakhala msika, wopambana ndiye amene amatenga nawo mbali yemwe idzapereka mtengo wapamwamba kwambiri. Wopambana mpikisanowu malinga ndi ndime 4 ya Article 447 ya Civil Code ndiye wochita nawo zomwe akutsimikizira kuti akwaniritsa zofunikira zake.

Kugulitsa katundu kumachitika kudzera pamagetsi apakompyuta. Kutenga nawo mbali kungakhale monga thupindipo malamulo nkhope. Kuti muchite izi, muyenera kulembetsa patsamba lomwe kutsatsa kudzachitike. Pambuyo pake, pempho loti muchitepo kanthu pamsika wamagetsi liperekedwa.

Malamulo pamsika womwe msikawo umachitikira akuwonetsedwa patebulo pansipa.

Mchitidwe wabwinobwino	Nambala ndi nkhani	Zomwe zimayendetsa
Lamulo Lachitetezo "Pa Insolvency (Bankirapuse)"	Zolemba za FZ-127 28, 110-111	Malamulo oyambira kusungitsa malonda ogulitsa anthu omwe ali ndi ngongole
Dongosolo la Unduna wa Zachuma	Na. 54, lofalitsidwa pa 15.02.2010	Njira yogulitsa katundu kudzera m'misika yotseguka
Malamulo apakompyuta ogulitsa	—	Makhalidwe, komanso momwe zinthu zingagulitsidwire pamalo osiyana

2. Kodi misika ya bankirapuse ndi chiyani - tanthauzo ndi tanthauzo la lingaliro 📋

Msika wa bankirapuse ndi njira yamalonda yomwe imachitika pakompyuta... Ziphuphu zimagwiritsidwa ntchito pazolinga mofulumira kugulitsa katundu wa olakwayo, zomwe zimaloleza pang'ono kuti athe kulipira ngongole kwa omwe adamupatsa ngongole.

Pochita zochitika za bankirapuse, kugulitsa katundu ndiye gawo lomaliza. Nkhani ya bankirapuse amatchedwa zochitika za bankirapuse.

Ntchito zowunika ndipo kugulitsa kotsatira katundu wa wobwereketsa amachita mpikisano (apo ayi amatchedwanso kuweruza) woyang'anira... Ntchito zake zazikulu ndikupanga ma tenders ndipo pambuyo pake, pakuchita kwawo, kuti azindikire zomwe ali ndi ngongole.

Kukhazikitsidwa mwalamulo chofunikira malinga ndi momwe msikawu uyenera kuchitidwira pamagetsi.

Aliyense amene akufuna ali ndi ufulu kutenga nawo mbali m'misika yogulitsa katundu wa wobwereketsa.

Ena ali otsimikiza kuti zinthu zabwino kwambiri zimagulidwa pamtengo wotsika kwambiri ndi omwe amawasungira okha. Komabe, kuweruza kotere ndikofunikira cholakwika.

Chiwembu chokhazikitsa malonda amagetsi ndi zowonekeratu... Ngati wina aliyense akukayikira kuti wogwira ntchitoyo sanachite bwino, ali ndi ufulu wopereka madandaulo ofanana.

Ngati, mkati mwazomwe zikuchitika, zoyesayesa zachinyengo za manejala zapezeka, awopsezedwa mavuto akulu.

Mpaka posachedwa, malo okhawo amabungwe anali kugulitsidwa pamsika.

Tidalemba mwatsatanetsatane za njira za bankirapuse za bungwe lovomerezeka m'nkhani yapitayi.

Komabe, atayamba kugwira ntchito Okutobala 1, 2015 malamulo a bankirapuse a anthu atha kugulitsidwanso katundu wa anthu. Lamulo lomwe latchulidwalo limakhazikitsa njira yosungira misika yoyenera.

Lero, chifukwa cholephera kulipira ngongole, anthu atha kutaya pogulitsa pamsika wawo malo okhala, magalimoto, Nyumba zazing'ono za chilimwe, nthaka ndipo katundu wina.

Potenga nawo mbali pamsika wotere, aliyense akhoza kugula zinthu zomwe zatchulidwazo mitengo pansi pamsika.

Lamulo litayamba kugwira ntchito, anthu ambiri amasankha kudzinenera kukhala bankirapuse. Tidalemba momwe tingalengezere bankirapuse kwa anthu komanso mabizinesi m'modzi munkhani ina.

Nthawi zambiri iwo ali ndi ngongole pangongole zosiyanasiyana - osayenera kuchuluka, ngongole yanyumba, ngongole yagalimoto.

Malinga ndi lamulo latsopanoli, katundu yense wa nzika yoteroyo akhoza kugulitsidwa pamsika kuti alipire zomwe akufuna.

Mabungwe omwe akukumana ndi bankirapuse atha kudzipeza momwemonso. Mwachitsanzo, ngati pangano lagalimoto lidaperekedwa m'malo azovomerezeka, ndiye kuti kampani yobwereketsa, pamgwirizano, ili ndi ufulu wolanda malowo, ndipo nthawi zina imadikirira mpaka kumapeto kwa msika wogulitsa katundu wa wobwereketsayo kuti alipire pansi pobwereketsa.

Tinalembanso mwatsatanetsatane za kuchotsedwa ndi kubweza kwa LLC munkhani ina.

Ndi zikhalidwe ziti zomwe zimafunika kutenga nawo mbali pamisili

3. Zoyenera kuchita nawo pamsika wa bankirapuse 📑

Kuti athe kutenga nawo mbali pamsika wogulitsa katundu wa omwe ali ndi ngongole, wopemphayo ayenera kwaniritsa zinthu zingapo.

Mkhalidwe 1. Kutumiza fomu yofunsira kutenga nawo mbali pamsika

Choyamba, muyenera pemphani kuti mutenge nawo gawo pamalonda... Chikalatachi chidapangidwa pamitundu yonse. Makope awiri ofunsira amafunikira.

Pambuyo polembetsa pempholi, mgwirizano pamalipiro umamalizidwa pakati pa omwe akutenga nawo mbali ndi omwe akukonzekera msikawu. Chikalatachi chimatsimikizira kuchuluka kwa ndalama zomwe ziyenera kusamutsidwa ndi wogulitsa ku akaunti yaposachedwa ya wopangayo. Ndalamazo zimakhala ngati chitsimikizo Wogulitsa malonda akukwaniritsa zofunikira pamsika, kuphatikizapo kuti ngati atapambana, chinthu chogulitsacho chidzaomboledwa.

Dipoyo ikasamutsidwa, wochita nawo malonda pamsika ayenera kupatsa woperekayo dongosolo lolipirira lolingana. Chikalatachi chimafalitsidwa koyambirira, pomwe kupezeka kwa chikwangwani chaku banki posamutsirako chikufunika. Lamulo lolipira liyenera kutumizidwa pasanathe tsiku lomaliza kutumizira mapulogalamu.

Mkhalidwe 2. Kutsimikiza kwa mtengo woyambirira wachinthucho

Mtengo woyambirira wa mutu wamalondawu umayikidwa ndi komiti kapena msonkhano waukulu wa omwe amabweza ngongole... Poterepa, mtengo wosinthana wa katundu wogulitsidwayo uyenera kuganiziridwa. Amatsimikizika potengera zotsatira zomwe zili mu lipoti la kuyesa kwa katundu. Kuunika koteroko kuyenera kuchitidwa potengera malangizo a wolandila kapena trastii wosankhidwa malinga ndi lamulo.

Mtengo woyambirira wa chinthu chogulitsidwa umayikidwa pansi pa avareji... Nthawi zambiri, kusankhidwa kwake kumachitika ola lomaliza logwira ntchito dzulo lisanachitike.

Chifukwa chake, mtengo wochepa wanyumbayo umaperekedwa ndi woyang'anira ngongoleyo malinga ndi Gawo 94 la Bankruptcy Law.

Mtengo wotsiriza wogulitsa malowo umatsimikiziridwa potengera zotsatira zamalonda.

Magawo atatu a kubetcha ndalama (zoyambira, zobwerezedwa, pagulu)

4. Magawo akulu andalama za bankirapuse 📊

Njira zotsatsira bankirapuse zimayendetsedwa mosamalitsa.

Pali magawo atatu (atatu) omwe amapanga maziko ogulitsa.

Gawo 1. Kuyitanitsa koyambirira

Ili ndiye gawo loyambirira la kubetcha. Ophunzira ali ndi ufulu kubetcha pakuwonjezeka kwa mtengo wa chinthu chomwe chikugulitsidwa. Poterepa, kukula kwa sitepe kumatsimikiziridwa pasadakhale malinga ndi msikawo. Ndikofunika kudziwa kuti dongosololi limatenga gawo lililonse lotsatira theka la ola pambuyo pake.

Gawo 2. Kubwezeretsanso

Ngati, pazifukwa zilizonse, msika wogulitsa woyamba uwonetsedwa kuti ndi wopanda pake, watsopano umachitika. Poterepa, mtengo woyambirira wakhazikitsidwa 10% m'munsi.

Gawo 3. Kuyitanitsa pagulu

Ngati m'magawo awiri oyamba nsaluyo ikunenedwa kuti ndiyosavomerezeka, kugulitsa pagulu. Mbali yawo yayikulu - Kuchepetsa mtengo patadutsa nthawi zokonzedweratu.

Ochita nawo malonda amenewa ali ndi mwayi wopeza malo pamtengo wotsika kwambiri. Kuchepetsa kwakukulu kumatha kufika 99%... Komabe, ndikofunikira kukhala ndi nthawi yokwanira kumaliza malondawo pamaso pa omwe akupikisana nawo.

Kuunika koyambirira kwa mtengo wa malowa ndikofunikira kwambiri. Nthawi zambiri, kumayambiriro kwenikweni kwa msika, zimakhala zitagulitsidwa kale pamtengo wabwino kwambiri.

Chifukwa chake, msikawu umachitika molingana ndi magawo omwe akhazikitsidwa mwalamulo. Otsatsa omwe amadziwa bwino momwe amagwirira ntchito ali ndi mwayi waukulu wopeza chuma pamtengo wabwino kwambiri.

Chifukwa chiyani timafunikira komanso komwe tingayang'anire misika ya bankirapuse Kodi mungagule chiyani pamisili ya bankirapuse

5. Ndi katundu wanji wa omwe ali ndi bankirapuse ndi omwe ali ndi ngongole zomwe atha kugulidwa kumsika wa bankirapuse 💰

Sikuti aliyense amadziwa zomwe zingagulitsidwe pamsika. Mndandanda waukulu wazinthu zogulitsa umagulitsidwa pamisika. Ngati mukufuna, mutha kusankha chilichonse pamndandandawu.

Zotchuka kwambiri komanso zofunikira ndi izi:

zotetezedwa ndi mabungwe azovomerezeka ndi anthu;
zomera;
mabungwe osiyanasiyana;
mabizinesi omwe amapanga kupanga zinthu zosiyanasiyana;
ufulu osiyanasiyana zodzinenera;
magalimoto;
zida zapadera;
Zipangizo zoyendera magetsi;
zizindikiro za makampani osiyanasiyana;
malo ndi nyumba zamitundu yosiyanasiyana - zamalonda, zogona, nyumba ndi nyumba zopangira zosowa zamakampani;
Katundu wowoneka wa munthu yemwe walengezedwa kuti wabweza;
Zida zopangira;
malo okhala ndi zolinga zosiyanasiyana - zomangamanga, ulimi ndi ena.

Anthu ambiri sadziwa kuthekera kopeza katundu wosiyanasiyana pochita nawo misika ya bankirapuse. Zotsatira zake, pali mwayi waukulu wopanga mgwirizano wabwino kwambiri.

M'misika ina, anthu ochepa omwe amafuna kugula malo amatenga nawo mbali, motero zimakhala zotheka kugula katundu pamtengo wotsika.

Chithunzi cha kuchuluka kwa katundu wa omwe ali ndi ngongole ndi bankirapuse - misika yamagetsi yochitira bankirapuse

6. Msika wa bankirapuse: TOP-5 nsanja zamagetsi zamagetsi 💻

Malonda a bankirapuse amachitikira pamapulatifomu osiyanasiyana amagetsi. Pali masamba angapo opambana omwe amagulitsa chuma cha omwe amabweza.

Mwa malo otchuka kwambiri omwe amagulitsa malonda pa intaneti ndi awa:

1. Mgwirizano Wogwirizana wa Federal Bankruptcy Information

Tsambali lili ndi zidziwitso zonse zomwe zingapezeke pakubweza chifukwa cha njira ya bankirapuse.

Webusaiti yathuyi "Mgwirizano Wogwirizana wa Federal Bankruptcy Information" -bankotkhali.ru

Chofunika kwambiri mwayi maziko awa ndi kutumiziratu zamtsogolo zokhudzana ndi kugulitsa katundu komwe kukubwera... Ndipatsamba lino pomwe pamapezeka zidziwitso zonse.

Kuwerenga kaundula wa zinthu kumalola obetcha kuti atolere zofunikira zonse ndipo, chifukwa chake, amakonzekereratu pamsika, kuwunika kwathunthu ndikuwunika malo omwe agulitsidwa.

2. Sberbank AST

Akatswiri ambiri amadziwika kuti tsambali ndi nsanja yabwino Mkhalidwe, omasuka komanso mwachangu mawonekedwe omveka.

Webusayiti yovomerezeka ya Sberbank AST service -ankhankhala.ru

Tsamba la Sberbank AST limagulitsa malo amakampani omwe adapereka ngongole ndipo pazifukwa zina sangathe kubweza.

Zofunika kuipa Tsambali ndi malonda ochepa.

3. Wokonda.ru (wozonda.ru)

Tsambali limatchulidwa pakati pa abwino kwambiri. Ubwino wake wofunikira kwambiri ndi kuchuluka kwa maere ogulitsidwa.

Tsamba lovomerezeka la "Fabrikant.ru" service - zambita.ru

4. Kukhazikitsa

Awa ndi amodzi mwamalo akulu kwambiri pomwe katundu wamabizinesi omwe amadziwika kuti ndi banki malinga ndi malamulo amagulitsidwa kudzera m'misika.

5. ELECTRO TORGI

Tsambali lomwe lakhala likugwira ntchito posachedwa. Komabe, ikukula mwachangu kwambiri ndipo yatchuka kale. Izi zikufotokozedwa ndikuti tsambalo lili kwambiri yosavuta kugwiritsa ntchitondipo mawonekedwe ake ndi zosavuta ndipo zomveka.

Chifukwa chake, pali zinthu zambiri pa intaneti pomwe mutha kusaka zinthu zoyenera ngati mungaganize zokachita nawo malonda.

Komabe, si aliyense amene amadziwa kuti masamba onse momwe njira yogulitsira katundu wa bankirapuse imachitikira pamtengo wotsika, agawidwa m'magulu atatu (atatu):

1. Malo ogulitsira malonda

Masamba otere amakhazikika pamayendedwe ndi kayendetsedwe kazogulitsa pa intaneti.

2. Masamba ovomerezeka

Zambiri zamalonda zimasindikizidwa Pano. Izi zimachitika malinga ndi malamulo aku Russia. Zitsanzo zodziwika bwino zamasamba amenewa ndi a Fedresurs, komanso nyuzipepala ya Kommersant (kope la Loweruka).

3. Magulu oyitanitsa bankirapuse

Cholinga chachikulu cha zojambulazi ndikutenga zidziwitso zatsopano zamalonda zomwe zikuchitika kuchokera pazinthu zambiri zapaintaneti.

Iwo amene akufuna kutenga nawo mbali pamsika sayenera kungosankha zomwe akufuna kugula. Ndikofunikira kusankha patsamba lomwe zingachitike.

Kuwerenga zinthu zambiri kumawonjezera mwayi wopeza chinthu chomwe mukufuna.

Ndondomeko ndi ndondomeko ya Otsatsa Malonda Pazinthu Zapaintaneti

7. Momwe mungatenge nawo gawo pamisika yamagetsi yamagulu - magawo akulu + amafunira 📌

Sikovuta kutenga nawo mbali pamagetsi a zamagetsi ndi cholinga chopeza katundu wa bankirapuse, aliyense akhoza kutero. Koma ziyenera kukumbukiridwa kuti ndikofunikira kutsatira lamuloli, komanso kupitilira magawo onse akutenga nawo gawo pamsika. Malangizo ndi tsatanetsatane omwe angakuthandizeni kudziwa momwe mungachitire zonse moyenera apatsidwa pansipa.

Gawo 1. Kulandila ES

Siginecha yamagetsi kapena ES mwachidule ndi njira yotsimikizira umwini wazomwe zatumizidwa kwa mwini wake. Popanda siginecha yamagetsi, ndizosatheka kupeza mwayi wogulitsa zamagetsi kuti mutenge nawo mbali pamalonda a bankirapuse ndi omwe ali ndi ngongole.

Ntchito zazikulu za siginecha yamagetsi ndi izi:

chitetezo ku zabodza, komanso chinyengo cha zikalata zosiyanasiyana;
umboni wa zolembedwazo, komanso ndi za munthu wina;
kusamutsa zikalata kudzera munjira yolumikizirana;
kuonetsetsa kuthekera kofikitsa mawu ogwidwa pamsika;
kumaliza mapangano kutengera zotsatira za malonda.

Kusankha kampani kuti ipereke ES, zofunika kuphunziramalo omwe amapereka mwayi wopeza. M'makampani ena, mtengo wopangira siginecha ndi wotsika, komabe, ndipo mndandanda wazinthu ndizochepa.

Mukasankha kupanga siginecha yamagetsi, ndikofunikira kuti muwone momwe mumafunira. Pachikhalidwe, EP imagwira ntchito kokha 1 chaka, zitatha izi kukonzanso kudzalipidwa.

Pofuna kuti musawononge ndalama, nthawi zambiri zimakhala bwino kusankha koyamba chinthu chomwe mukufuna kugula, ndipo mutangolemba siginecha. Komabe, pakadali pano, muyenera kuwunikiranso zomwe zikutsegulidwa pakuperekera malamulo tsiku ndi tsiku kuti musachedwe kuyamba kwa malonda.

Kuphatikiza apo, ndizotheka kuti zikhala zofunikira kupanga ES munthawi yochepa, zomwe zimabweretsa ndalama zowonjezera.

Gawo 2. Kuvomerezeka pa ETP

Gawo lotsatira ndikuvomerezeka papulogalamu yamagetsi yamagetsi. Kuti muchite izi, mufunika ES.

Kuti muvomereze, muyenera kutsitsa zikalatazo malingana ndi zomwe gululi likufuna.

Nthawi zambiri kwa aliyense payekha iyi ndi pasipoti, ndikofunikira kuti muwerenge mosamala zikhalidwe zovomerezeka kuti musadzabwerenso zikalata pambuyo pake. Zina mwazinthu zimangofunika kufalikira ndi chithunzi ndikulembetsa, zina - masamba onse.

Kuvomerezeka nthawi zambiri kumatenga masiku atatu kapena asanu ogwira ntchito. Palibe chifukwa chotsata njirayi m'malo onse. Pomwe kuyitanitsa kudzachitike ndikwanira.

Gawo 3. Kusankhidwa ndi kusanthula maere

Pogwiritsa ntchito magwero omwe alipo, muyenera kupeza chinthu choyenera kugula. Ndizachilengedwe kuti mukamafunafuna malo ofunikira ndibwino kuti muphunzire zopereka mdera lanu.

Maere akasankhidwa, ndikofunikira kuti muwerenge zolemba zonse zomwe zikukhudzana nawo. Izi zitha kukhala zolemba za umwini, malipoti owunikira ndi ena.

Pankhani yogula zinthu zowoneka (galimoto, chipinda, nyumba, ndi zina zambiri.), ndizomveka kuyiyendera musanapemphe ndalama. Kuti muchite izi, muyenera kupeza omwe adalumikizana naye mu khadi lokonzekera msika, kuyimba foni ndikupanga msonkhano.

Mukasankha kugula zida zovuta kwambiri, galimoto, nyumba ndi zinthu zina zovuta, Ndikofunika kuyitanitsa katswiri pamsonkhano... Adzathandiza pasadakhale onaninso malo ogulitsa, ndi khazikitsani mtengo weniweni wamsika.

Zochita zoterezi zimapangitsa kuti athe kusanthula kuthekera kochita nawo izi isanakwane. Izi zitha kupulumutsa nthawi ndi ndalama.

Gawo 4. Kusintha kwamapulogalamu

Kuti mutenge nawo gawo pamalonda, ndikofunikira kukhazikitsa bwino mapulogalamuwo pakompyuta yanu. Nthawi zambiri, Internet Explorer imagwiritsidwa ntchito pogwiritsa ntchito zida zamagetsi. Muyeneranso kukhazikitsa pulogalamu yapadera, kawirikawiriCrypto-ovomerezandikuyika zikalata zofunika pakompyuta.

Nthawi zambiri, malangizo onse ogwirira ntchito ndi siginecha yamagetsi amaperekedwa ndi makampani komwe adapangira. Pamenepo mutha kuyitanitsanso chithandizo cha wolemba mapulogalamu ngati ntchito yowonjezerapo ngati simungathe kudzipangira nokha.

Gawo 5. Kulembetsa fomu yofunsira kutenga nawo mbali pamsika

Chinthu chogulacho chikasankhidwa ndipo pulogalamuyo ikakonzedwa, mutha yambani kupanga pulogalamu... Ndibwino kuti muchite izi pasadakhale, kutatsala masiku ochepa kuti tsiku lovomerezeka lifike. Malangizowa ndi othandiza makamaka kwa oyamba kumene.

Ngati kuyitanitsa kumachitika koyamba, pakagwiritsidwe, pamakhala mafunso ambiri. Malangizo owonjezera a akatswiri angafunike.
Chifukwa chake, payenera kukhala nthawi yokwanira kuti amalize kulembetsa.

Zomwe zatsimikizika polemba pempholi zimadalira nsanja yomwe yasankhidwa. Zina mwa izo sizifunikira kudzaza chilichonse pamanja, zikalata zonse zimapangidwa kuchokera pazomwe zafotokozedwazi panthawi yovomerezeka.

Zitsanzo zakulembetsa fomu yoti muchitepo kanthu pamsika wa bankirapuse

Kumalo ena, mapangano onse oyenera ayenera kupangidwa mwatsopano nthawi iliyonse. Muyeneranso kuyika "sikani" pasipoti yanu ndi satifiketi ya TIN.

Panthawi yolembetsa kuti mudzatenge nawo gawo pamalonda, muyenera kulemba chikalata, kutsimikizira kulipira kwa dipositiKutchulidwa ndi msika wogulitsa. Chifukwa chake, muyenera kulipira mpaka kutumizira komaliza kwa pempholo.

Gawo 6. Kulipira ndalama

Gawo lofunikira, popanda ilo kupempha sikungatheke, akusungitsa ndalama. Kukula kwake kumatsimikiziridwa muzolemba pamalonda. Nthawi zambiri, kuchuluka kwa gawo kumatsimikizika pamlingo 5% ya mtengo chinthu choyenera kukhazikitsidwa.

Zambiri pamasulira zitha kupezeka muzolemba zamalonda. Musanasamutse ndalama, ndizomveka kufotokoza bank bank kusamutsa koteroko. Sizikhala zopindulitsa nthawi zonse kusamutsa ndalama kuchokera ku akaunti yomwe ili kale ndi banki inayake.

Izi ndizowona makamaka pakuchita nawo misika yamtengo wotsika mtengo, popeza kusiyana kwa komiti yosamutsa m'mabungwe osiyanasiyana angongole kungakhale kosiyana.

Masamba ambiri amagetsi amafunika kuti mupereke chikalata chotsimikizira kusamutsa ndalama. Chifukwa chake, ndizomveka kufotokozera pasadakhale ngati ndizotheka kulipira chiphaso kudzera muntchito zosiyanasiyana zapa banki. Poterepa, kasitomala ali ndi mwayi wolandila zamagetsi zosinthira.

Komabe, masamba ambiri amafuna chikalata cholipira kubanki... Chifukwa chake, mfundoyi iyenera kufotokozedweratu pasadakhale.

Gawo 7. Kutumiza kwa pulogalamuyi

Nthawi yofunsira ntchitoyo iyenera kutsimikizika pamsika uliwonse padera. Muzochita zina, wopambana ndiye woyamba kumutuma... Nthawi zina, ndikofunikira kukhala munthawi yake gwiritsani ntchito mpaka nthawi inayake.

Choyamba, muyenera kulumikiza zikalata zonse zofunika. Komanso, pogwiritsa ntchito siginecha yamagetsi, ayenera kusaina ndikutumiza.

Gawo 8. Msika wamagetsi

Kutengera mtundu wamalonda, njira yoyitanitsa imachitika. Ngati malondawa akuchitika malinga ndi mfundoyo msika wogulitsa, pamphindi inayake mabidi onse amatsegulidwa, wopambana ndiye amene adapereka mtengo wabwino kwambiri.

Ngati zichitike msika wogulitsa, m'malo ena ogulitsira tsiku ndipo ola wophunzirayo ayenera kupita ku akaunti yake, yomwe imalembedwa papulatifomu yamagetsi.

Kuphatikiza apo, malinga ndi malingaliro a msikawo, aliyense yemwe atenga nawo mbali atha kupereka malingaliro amitengo. Ziyenera kukhala ganizirani sitepe yotsatsa, zomwe zafotokozedwa munyengo yamalonda. Nthawi zambiri zimakhala kuchokera 0,5 mpaka 5% kuchokera pamtengo woyamba wa katundu amene akugulitsidwa.

Zofunika! Omwe akuchita nawo pempholi amangowona kuchuluka kwa wopemphayo komanso mtengo womwe wapereka.

Pakadali pano, sizikudziwika kuti ndi nambala iti, ndiye kuti, asanalenge zotsatirazi, dzina, dzina, patronymic kapena dzina la kampani silikudziwika. Izi zimalola kugulitsa moona mtima komanso otseguka momwe zingathere.

Kuphatikiza pa gawo logulitsa, mfundo za msikawo ndizotsimikizika nyengopomwe mutha kupereka malingaliro anu. Ngati kupitirira nthawi yodziwika kudutsa kuchokera kumapeto kwa iwo, Kutumiza kumatha.

Pakadali pano, ngati mukufuna, mutha kupeza phindu pamlingo wotsiriza wamtengo wapatali. Ndiye, ngati wopambana pazifukwa zina akukana kugula chinthucho, zitha kudzipezera yekha pamtengo wotsiriza.

Gawo 9. Zotsatira zamalonda

Msika ukadzatha, kumangotsala pang'ono kudikirira zotsatira zamalonda. Choyamba, wokonza malondawo amapanga pulogalamu yokhala ndi zidziwitso zamomwe adayendera. Izi zachitika pafupifupi theka la ola pambuyo pamalonda.

Komanso pa Masiku atatu (atatu) ogwira ntchito ndondomeko yolongosola mwachidule imapangidwa. Lili ndi chidziwitso chokhudza yemwe adzapambane pamsika.

Gawo 10. Kutha kwamalonda

Kwa omwe sanapambane nawo pamalipiro, amaliza nawo mophweka. Ndikokwanira kudikirira kubwezeredwa kwa gawo. Ngati izi sizikuchitika masiku angapo, mutha kulumikizana ndi omwe amakukonzekererani ndikufotokozereni nthawi ndi nthawi yobwezera.

Opambana pamsika mgwirizano wogula ndi kugulitsa umafunika... Pachifukwa ichi, wokonza malondawa amatumiza mawonekedwe apadera papulatifomu. Iyenera kudzazidwa ndikubwezeretsedwanso patsamba lanu kudzera mu akaunti yanu, ndikusayina pogwiritsa ntchito kiyi yamagetsi, kenako wopambana pamalondayo amabweza mgwirizano womwe wasainidwa kwa omwe akukonza mundawu. Komanso tumizani chikalata choyambirira pa 2 (awiri) pamakalata.

Ngati wopambana pamsika pazifukwa zina asintha malingaliro ake pankhani yogula chinthu chomwe agulitsacho, sasaina panganolo. Mwachilengedwe, gawo pankhaniyi osabwezeredwa.

Gawo 11. Kulipira kwathunthu ndikulowa m'malamulo

Mgwirizanowu ukasainidwa, wopambana ayenera kutero perekani ndalama zotsalazo pachinthu chogulidwa. Poterepa, muyenera kukhala osamala momwe zingathere, popeza zofunikira za kusamutsa gawo ndipo kulipira mgwirizano kusiyana.

Zikakwaniritsidwa zonse, wopambana pamsika amakhala mwini zonse wa malowo. Kenako amatha kutaya kugula mwakufuna kwake.

Chifukwa chake, kutenga nawo gawo pamalonda kumaphatikizapo kudutsa magawo ena a njirayi. Ngati mumatsatira mosamalitsa malangizowo, komanso kuganizira malangizo onse, sipayenera kukhala mavuto ndi njirayi.

Mulimonsemo, ngati kuli kotheka, mutha kulumikizana ndi othandizira pa nsanja yamagetsi. Anthu odziwa zambiri komanso oyenerera, kuphatikiza anzawo ndi omwe mumawadziwa, amathanso kuthandizira.

8. Nthawi yampikisano wa bankirapuse 📆

Njira zothetsera bankirapuse imayang'aniridwa ndi malamulo a Russian Federation. Nthawi yomweyo, nthawi yopatsidwa gawo lililonse la magawo ake imakhazikitsidwa.

Ngati zachitetezo zikukonzekera kugulitsa, dongosolo lolingana liyenera kutumizidwa kangapo mkati mwa miyezi iwiri (iwiri). Kuwerengera kwa nthawi ino kumayamba kuyambira tsiku lomwe a bailiff adapanga chisankho chofananira.

Nthawi imeneyo katundu akagulitsidwa, ndiye osasunthika (kuphatikiza mabizinesi), kuwonjezera pa chigamulochi, komanso kuvomereza ndikusamutsa malowo, ziyenera kutumizidwa zikalata zomwe zili ndi chidziwitso chokhudza eni malowo.

Zolemba zofunika ndi izi:

chikalata chotsimikizira kumangidwa kwa malo ndi nyumba;
satifiketi yomwe imakhazikitsa umwini wa malo ndi nyumba;
zikalata zokhala ndi mawonekedwe akulu anyumba.

Ngati nyumba yomwe ikumangidwa isamutsidwa kuti igulitsidwe, muyenera kuwonjezera zikalata izi:

chikalata cholozera gawo lachigawo chomanga;
chilolezo chomanga choperekedwa ndi akuluakulu aboma.

Kuphatikiza apo, kuchuluka kwa malo omwe akugulitsidwa ndilovomerezeka. Zambiri za izi ziyenera kulembedwa m'ndandanda Mgwirizano Wogwirizana wa Federal, yomwe imasunga mbiri yazamalonda.

Kuyambira pamenepo, pasanathe mwezi umodzi, wobwereketsa kapena wogwira ntchito ina angafunike wosungitsayo onaninso katundu wa ngongole. Kufunika koteroko kumakhala kovomerezeka ngati ngongole ili yayikulu kuposa mtengo wanyumba. zoposa 2%... Kuunika kumeneku kumatenga miyezi iwiri (iwiri). Nthawi imeneyi imawerengedwa kuyambira pomwe wothandizirayo adalandila zomwe adafuna.

Malipiro azithandizo la katswiri yemwe adzawunike izi amachitika kuchokera ku ndalama zomwe zidzalandilidwe chifukwa chogulitsa katundu wa wobwereketsa.

Kupitilira apo, mkati mwa miyezi iwiri, wokonza malonda ayenera kusamutsidwa mndandanda wamangawa, yomwe imagulitsidwa pamsika.

Pambuyo pake, chidziwitso chazogulitsa zomwe zikubwera cha bankrupt chiyenera kutumizidwa zosindikiza zovomerezekazomwe zimasindikizidwa nthawi ndi nthawi. Kuyambira pano, kuvomereza ntchito kuyambika, kumapeto kwake pamakhala malonda.

Chifukwa chake, nthawi yambiri imadutsa kuchokera pomwe khothi limaganiza zogulitsa malowo mpaka tsiku lamalonda. Kuphatikiza apo, kutalika kwa gawo lililonse kumakhala kokhazikitsidwa ndi lamulo.

Magawo akulu ogula malo ndi misika ya bankirapuse

9. Momwe mungagulire katundu kumsika wa bankirapuse - njira yogulira pamsika 🏠

Katundu wamakongole amitundu ingapo amagulitsidwa. Nthawi yomweyo, malo ndi omwe amafunikira kwambiri. Mosasamala mtundu wake, munthu amatha kusiyanitsa 5 magawozomwe zimaperekedwa ndi aliyense amene aganiza zogula malo motere.

Gawo 1. Kusankha malo oti mugule

Musanayambe kubetcha, muyenera kusankha malo omwe agulidwe. Pakhoza kukhala zosankha zambiri, mwachitsanzo, chipinda chanyumba ziwiri munyumba yatsopano. Chilichonse pano chimadalira kuthekera kwa wogula.

Pakadali pano, muyenera kusankhanso kuti katundu amene mwapeza adzagwiritsidwa ntchito yanji.

Pali njira zingapo:

kwanu;
pochita bizinesi;
yobwereka;
pakubwezeretsanso pambuyo pake.

Gawo 2. Kusankha malo

Poterepa, ndikofunikira kusankha dera lomwe malowo agulidwe. Zonse zimadalira momwe kuchokera pa cholinga chogulandipo kuchokera komwe wogula amakhala.

Katundu wogulitsidwanso ayenera kugula komwe akufunika kwambiri. Kugula malo a renti kumapindulitsa kwambiri m'mizinda ikuluikulu.

Gawo 3. Kukula kwakukulu kwa cholumikizira

Musanayambe kutenga nawo mbali pamsika, muyenera kusankha ndalama zomwe mungagule kwambiri.

Poterepa, mutha kugwiritsa ntchito ndalama zopanda ndalama zokha, komanso ndalama zomwe mudabwereka.

Gawo 4. Kusanthula kwa katundu wosankhidwa

Mukasankha malo oti mugule, muyenera kuwunika mozama.

Kuti muchite izi, chitani izi:

zithunzi zowerengera, zolemba, mawonekedwe;
onetsetsani kuti pasakhale kumangidwa ndi chisokonezo;
ngati n'kotheka, yang'anani chinthucho.

Ndikofunikanso kuwunika mtengo wa malo omwe akukonzekera kuti upezeke. Ndikofunika kufotokoza kuchuluka kwa katundu wofananako pamsika kuti mumvetsetse mtengo womwe ungalandiridwe.

Gawo 5. Kupeza malowa

Kusaka ndikuwunika malowo kwatha, mutha kuwerenga zolemba zomwe zidabwera ndi msikawu. Pambuyo pake, mutha kukonzekera kufunsira, komanso phukusi la zikalata zofunika malinga ndi msikawo.

Chotsatira pamakhala msika womwewo.Ngati mukuzindikiridwa kuti ndinu wopambana, mgwirizano wogulitsa ndi kugula malowo usayinidwanso, komanso kulembetsanso ufulu wa malo pa iye. Kuyambira pano, wogula amatha kutaya malowo mwanzeru yake.

Chifukwa chake, aliyense akhoza kugula malo pamsika. Kuti tichite izi, ndikwanira kudutsa magawo asanu osavuta.

10. Kodi ndalama pamalipiro a bankirapuse ndi chiyani?

Ziphuphu zomwe katundu wa anthu omwe akuti ndi bankirapuse wagulitsidwa ndi njira yapadera komanso yosangalatsa yopezera ndalama.

Koma ndikuyenera kukumbukira kuti kugula malo aliwonse pamsika ndi njira yovuta yalamulo. Nthawi yomweyo, muyenera kudziwa kuchuluka kwa zinsinsi zina ndi zina zabwino.
Zogula zomwe zikugulitsidwa zikusiyana kwambiri ndi kugula kwachikhalidwe.

Kubetchera ndalama kubanki kungakhale bizinesi yopindulitsa ngati munthu amene angafune kupanga ndalama mwanjira imeneyi ali ndi mikhalidwe ingapo.

Mfundo zazikuluzikulu ndi izi:

kutha kutsata mosalekeza zambiri zamomwe ndalama zikuchitikira mu bankirapuse, komanso kulengeza zakugulitsa katundu;
chidziwitso, komanso chokumana nacho china pakupeza katundu, komanso kutenga nawo mbali pamalonda;
maluso abungwe omwe amathandiza pakupanga malonda ndi kugula.

Ziphuphu sizingakhale bizinesi yapadera, yodziyimira payokha. Izi zikufotokozedwa ndikuti ndikotheka kuti sizingachitike. Ngakhale kugulitsa kumachitika ndi anthu ambiri omwe amatumiza bankirapuse, nkhondoyi siyabwino komanso yodziyimira payokha (mosiyana ndi kugulitsa kwachikhalidwe ndi kugula).

Mwa anthu, monga mtundu wa bizinesi, kupeza malo kudzera kutenga nawo mbali pamisika yogulitsanso pambuyo pake... Ntchito zoterezi zimatha kupeza ndalama zooneka.

Izi zidzafunika chidziwitso chochuluka, komanso malonda ndi luso lazamalonda.

Ngati tikulankhula zakugulitsa kumsika kwa katundu wa anthu omwe akuti ndi bankirapuse, bizinesi ngati imeneyi yawonekera posachedwapa... Mpaka nthawiyo, katundu yekha wamabungwe azovomerezeka anali oti amagulitsa katundu. Nthawi yomweyo, zogulitsa zimachitika pafupifupi popanda dongosolo, movomerezeka.

Komabe, chifukwa cha kulowererapo kwa mabungwe aboma ndikukhazikitsidwa kwa malamulo oyenera, njirayi yakhala yotukuka kwambiri.

Kupereka ndalama kwa bankirapuse kukuyambika lero. Tsopano njira yogulitsira malonda yakhala yopindulitsa kwambiri, ndipo mbali zonse – angongole ndipo angongole... Zotsatira zake, katundu aliyense amagulitsidwa mwachangu komanso pamitengo yomwe ili pafupi kwambiri ndi mitengo yamsika.

Maubwino ndi zovuta zogula katundu wa bankirapuse ndi omwe ali ndi ngongole pazobwereketsa zamagetsi

11. Zabwino ndi zoyipa zopezera malo kudzera mu kubweza ngongole bank

Monga phindu lililonse, kugula malo pamsika kuli ndi zabwino zambiri komanso zoyipa zingapo.

11.1. Ubwino wogula kudzera pamsika

Zina mwazabwino ndi izi:

Ubwino 1. Mtengo wotsika wa katundu amene akugulitsidwa

Izi ndichifukwa chakufuna kwa eni kugulitsa katunduyo mwachangu momwe angathere. Pachifukwa ichi, mtengo wamalo umachepa ndipo umakhazikika pamlingo wotsika kwambiri kuposa msika.

Mwachitsanzo, pogulitsa nyumba zogulitsa nyumba, zina mwa ndalama zomwe amalandila zimakonza ngongole ya kasitomala, zotsalazo zidzaperekedwa kwa wobwereka. Ndizachilengedwe kuti zikakhala choncho, msikawu umachitika makamaka chifukwa cha wobwereketsa.

Chifukwa chake, kuti ntchito yogulitsa ifulumizitse, mtengo wogulitsa nyumba umakhazikitsidwa pamlingo wotsika kwambiri.

Nthawi zambiri, pankhaniyi, wogula amatha kugula nyumba pafupifupi 35% pamunsi pamsika... Kuphatikiza apo, nthawi zambiri pamakhala zochitika pomwe chinthu chanyumba sichingagulitsidwe koyamba. Zotsatira zake, malonda akachitika mobwerezabwereza, mtengo wake umatsikiranso.

Ubwino 2. Chitsimikizo chovomerezeka cha ndikuperekaku

Pogulitsa pamsika wogulitsa katundu wa bankirapuse, ndondomekoyi imayang'aniridwa ndi boma. Pamapeto pake, chiopsezo chogulitsa ndi kugula kuzindikiridwa ngati kosaloledwa kumachepetsedwa.

11.2. Zoyipa zogula kudzera pamsika

Mtundu uliwonse wamabizinesi uli ndi zovuta zingapo. Kupereka ndalama kwa bankirapuse ndichonso.

Zina mwazovuta zazikulu ndi izi:

Zoyipa 1. Zovuta pakuwunika momwe malo akugulitsidwira

Pankhani yogulitsa malo, zitha kukhala zovuta kuwonetsetsa kuti kulibe ngongole zanyumba zotsalira.

Zoyipa 2. Zovuta kutsimikizira chilolezo chogulitsa

Zowopsa ndizoti, chifukwa chake, wokwatirana sangapereke chilolezo chake kugulitsa malowo, kapena ana ang'onoang'ono amalembetsedwa mnyumbayo.

Kuti muchepetse zoopsa zomwe zingachitike, muyenera kuchita chilichonse pamsika, mogwirizana ndi akatswiri. Awa sayenera kukhala maloya wamba, koma iwo omwe ali ndi ukatswiri pakubweza ndalama.

12. Mafunso omwe amafunsidwa kawirikawiri pamutuwu 🔔

Kupereka ndalama kwa bankirapuse ndi njira yovuta kwambiri, chifukwa chake onse omwe ali nawo ali ndi mafunso ambiri. Kuti zisakhale bwino kuzolowera njira yovutayi, tayesetsa kuyankha omwe amapezeka nthawi zambiri.

Funso 1. Chifukwa chiyani tikusowa ndipo zolinga zanji za kubweza bankirapuse?

Pakhoza kukhala zolinga zingapo pakugwiritsa ntchito kubetcha bankirapuse.

Ambiri ndi awa:

kugula kuti mugwiritse ntchito;
kupanga phindu - kugula ndiotsika mtengo, kugulitsa ndikokwera mtengo;
bungwe lazamalonda - kupeza malo abizinesi yawo kapena renti;
gulani malo ndi nyumba osamaliza, konzani, gulitsani zina.

Kuphatikiza apo, kutenga nawo mbali m'misika ya bankirapuse kumapangitsa kuti munthu akhale ndi mwayi watsopano. Mwanjira ina, pali mwayi wokhala wogulitsa ndalama.

Ngati mukuganiza zogulitsa nyumba ndi malo, tikukulimbikitsani kuti muwerenge nkhani yokhudza kugulitsa nyumba ndi malo.

Kuyambira 2011 Amachita malonda pogwiritsa ntchito intaneti, zomwe zimapangitsa kuti azitha kupezeka mosavuta. Zotsatira zake, lero aliyense akhoza kutenga nawo gawo pamisili osachoka pakhomo.

Chifukwa cha izi, kutenga nawo mbali pamisika kumalandila maubwino angapo:

nthawi imasungidwa pokonzekera kutenga nawo mbali pamalonda;
palibe kutchulidwa kwa dera linalake;
zofunikira zofunsira otsatsa.

Ubwino wina wochita nawo malonda masiku ano ndi mpikisano wochepa.

Funso 2. Kumene mungayang'anire ndalama za bankirapuse, ndi njira ziti zofufuzira zomwe zilipo?

Pali njira zingapo zomwe aliyense angapezere misika. Choyamba, ndi Nyuzipepala ya Kommersantyomwe imafalitsidwa sabata iliyonse Loweruka. Lofalitsa lililonse lili ndi zakumapeto zomwe zimakhala ndi msika womwe ukubwerawo. Ngati mukufuna, Kommersant amatha kuwerengera pakompyuta.

Pali masamba ena omwe amafalitsa zambiri zazogulitsa:

Unified Federal Register ya Bankruptcy Zambiri;
Interregional nsanja pakompyuta;
Sberbank-AST;
Zilankhulo;
Tender B2B ndi ena.

Komwe mungayang'anire ntchito za bankirapuse - pezani misika yokongola

Funso 3. Nchiyani chofunikira kuti tichite nawo malonda?

Kuti mutenge nawo mbali pakampani yamagetsi, muyenera kutsatira njira zina, zomwe zitha kugawidwa m'magulu angapo.

Choyamba, muyenera kupeza siginecha yamagetsi. Ndizomanga ndipo ndizofanana ndi chidindo ndi siginecha. Ndi siginecha yamagetsi yomwe imakupatsani mwayi wopezeka patsamba lino kuti muchitepo nawo malonda. Mutha kutulutsa ndi USB flash drive ndi mawu achinsinsi pamalo aliwonse ovomerezeka. Mukalandira siginecha, malangizo onse ofunikira pakukhazikitsa amaperekedwa. Mukamalembetsa fungulo, ndikofunikira kuti muzisamala ndi masamba omwe limapereka. Ndikofunika kuti mutulutse kiyi wotereyu yemwe amakupatsani mwayi wolumikizana ndi masamba angapo. Chifukwa cha izi, zimakhala zotheka kupeza zinthu zochulukirapo. Ndikofunika kumvetsetsa kuti siginecha yamagetsi iyenera kuitanitsidwa pasadakhale, chifukwa imapangidwa m'masiku ochepa.
Gawo loyamba lokonzekera malonda ndikulembetsa papulatifomu yamagetsi. Kuti muchite izi, lembani fomu ndikuitumiza patsamba lino. Chitsimikizo cha data chikakwaniritsidwa, kulumikizidwa kuzinthu zosiyanasiyana zogulitsa kudzaperekedwa.
Nthawi yomweyo ndikulembetsa pamalopo, zidziwitso zimayenera kuthandizidwa. Kuti muchite izi, muyenera kutsata lamulo loyendetsa kubetcha. Kuphatikiza apo, ndikofunikira kuphunzira zamalamulo atsamba omwe agwiritsidwa ntchito. Zambiri zofunikira ndi zolembedwa zikupezeka patsamba lazamalonda.
Chotsatira ndikufufuza zinthu zoti mugule. Pambuyo pake, muyenera kuwerenga mosamala zonse zokhudzana ndi msika womwe ukubwera. Muyenera kuwerengera zolemba zonse zomwe zingapezeke, ngati zingatheke, yang'anani chinthucho pasadakhale.
Njira zonse zam'mbuyomu zikadatha, mutha kupitiliza kutumiza pulogalamu. Iyenera kukhala yokonzedwa mosamala kwambiri malinga ndi zomwe wokonza malonda adzachite. Kufunsaku kuyenera kutsagana ndi chikalata posamutsa gawo. Zambiri pakukula kwake ndi mawu ake olipirira zikuwonetsedwa pazolemba zotsatsa.

Ngati zachitika bwino, wophunzirayo adzavomerezedwa kumsika.

Funso 4. Kodi ndi kuti komwe mungatulutse siginecha yamagetsi (kiyi wamagetsi) kuti mutenge nawo gawo pamsika, mtengo wake ndi njira zake zopeza?

Makampani ambiri ku Russia akhala akugula katundu kwa nthawi yayitali pokonzekera kubweza ngongole. Posachedwa, mwayi wotere wawonekera kwa anthu. Mosakayikira, pakapita nthawi kutchuka kwa misika kumangokula... Nthawi yomweyo, ambiri mwa iwo omwe akufuna kutenga nawo mbali pamalonda akadali ndi nkhawa kuti siginecha yamagetsi yomwe ikufunidwa kuti iperekedwe imaperekedwa bwanji.

EDS imafunika, popanda izo, ingogwira nawo pamalonda sizigwira ntchito... Kuti mulembetse, muyenera kulumikizana ndi malo ovomerezeka. Ndi kampani yapadera yomwe ili ndi chilolezo chokhala ndi mawu achinsinsi ngati awa.

Kenako, muyenera kudutsa magawo angapo:

Tumizani fomu yofunsira a EDS;
Perekani zikalata zomwe zafotokozedwa munthawi yopereka ES ndi malo ena ovomerezeka (kwa mabungwe azamalamulo awa ndi zikalata, za anthu - makamaka pasipoti ndi TIN), onse amaperekedwa m'makope;
Zikalatazo zikangotsimikiziridwa, olamulira chitsimikizo apereka siginecha yamagetsi.

EDS ndi mafungulo opangidwa mwapadera omwe CA imapereka kwa wofunsayo pamagetsi. Komanso, satifiketi imaperekedwa nthawi imodzi ndi mafungulo. Iyenera kuvomerezedwa ndi chisindikizo cha CA.

Kusankha malo ovomerezeka, ziyenera kudziwika kuti ndizovomerezeka ndi akuluakulu aboma. Lero pali makampani angapo otere, chifukwa chake kupeza yapafupi sikungakhale kovuta.

Anthu ambiri amadzifunsanso kuti ndalama za EDS zidzawononga ndalama zingati. Ndikofunika kumvetsetsa kuti palibe mtengo wokhazikika.

Mtengo womaliza utengera njira zambiri:

kupanga siginecha yamagetsi ndi ogwira ntchito ovomerezeka;
kuyika deta pa EDS m'kaundula woyenera;
kulengedwa kwa chonyamulira chapadera;
kupezeka kwa layisensi yamapulogalamu apadera obisika;
Kupereka satifiketi papepala.

Komanso, malo ena ovomerezeka amapereka zina zowonjezera - kukhazikitsa kompyuta ndi katswiri, wothandizira zambiri ndi ena. Magawo onsewa amathanso kukopa mtengo wa siginecha yamagetsi.

Chifukwa chake, mtengo wa EDS umasinthasintha, umatha kukhala wosiyana kutengera dera lolembetsa.

Akatswiri monga benchmark amatcha pafupifupi mtengo wama siginecha amagetsi pamlingo 4-5 zikwi ma ruble.

Funso 5. Kodi kugulitsa kumatha bwanji? Kodi wopambana sangathe kugula maere?

Kwa aliyense amene azichita bankirapuse, pakhoza kukhala zotsatirapo zingapo za izi:

Msikawo sunapindulitsidwe - pamenepa, wokonzekera kubweza ndalama, palibe mapangano omwe adzafunike kumaliza;
Kupambana kuyitanitsa.

Ndi wopambana pamsika mkati 5 (zisanu) masiku mgwirizano wogulitsa ndi kugula malo omwe anali maere pamsika wasainidwa. Pambuyo pake, panthawi ya 30 (makumi atatu) masiku imafunika kulipira mtengo wathunthu wogulitsa.

Ngati pazifukwa zina wopambana asintha malingaliro ake oti akhale mwini malo, akhoza kukana kupanga mgwirizano. Mwachilengedwe, pankhaniyi, sikofunikira kutchula mtengo wa chinthu chogulitsira.

Komabe, musaiwale kuti ngati akukana kugula malowo, dipo lidzakhalabe kwa omwe akukonzekera msikawu.

Chifukwa chake, aliyense atha kutenga nawo gawo pamalonda a bankirapuse. Poterepa, muyenera kukhala ndi chidziwitso ndi maluso ena, komanso kupereka siginecha yamagetsi.

Tikukhulupirira kuti nkhaniyi yathandiza kumvetsetsa zina mwa zovuta za njira yovutayi.

Pomaliza, tikulimbikitsa kuwonera kanema, yomwe ikuwonetsa zochenjera za zomwe mwachita kumsika wa bankirapuse mwachitsanzo:

Ndi kanema wamomwe mungatumizire ntchito papulatifomu yamagetsi ya Sberbank AST:

Musaope kutenga nawo mbali pamisika, chifukwa nthawi zambiri izi zimathandizira kupulumutsa pazogula. Kuphatikiza apo, ambiri akhala akupeza bwino pantchito zotere kwa nthawi yayitali.

Gulu la Ideas for Life likufunira zabwino owerenga pazoyeserera zawo zonse! Ngati muli ndi ndemanga kapena mafunso pamutuwu, afunseni mu ndemanga pansipa.

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