Nokufezekisa impahla abanamatyala. Inkqubo zokuthengisa impahla olahlwe

Ukuba ngummi uvakaliswa ongenamali yi isigqibo seNkundla yoLamlo, impahla yalo boba phantsi ukuphunyezwa. Nokufezekisa impahla abanamatyala - inkqubo mandatory, injongo yendebe nolwaneliseko zamabango amatyala '. Ziziphi iimpawu zalo kunye nenkqubo?

Izizathu ngokuba nokuthengiswa kwempahla

Ngokutsho komthetho kwi ezikweletini, lo nokuthengiswa kwempahla abanamatyala 'kunokwenzeka kuphela emva ngokutsha. Xa ngokutsha ephuhliswa yaye sivunyiwe isicwangciso intlawulo yayo. Le unetyala kweli nqanaba angacuthwa izenzo zabo, nempahla yakhe ayikho kodwa akakabanjwa. Ukuba ngokutsha akukho luncedo ukucima onke amatyala ukuba amatyala, iqala ekufezekisweni impahla abanamatyala '.

intengiso kuyaqalwa kuphela enkundleni kwiimeko ezimbini:

1. Xa liphulo onetyala (isigqibo iyakuqinisekisa opheleleyo oza emva nesokuvuma lwezikhalazo ungonakala).
2. Xa liphulo komphathi-mali (ukuba kwithuba emiselweyo sele lizifumene nazo naziphi na izindululo malunga imiqathango kwaimpatho amatyala).

Inkqubo izigqibo ezeeJaji

Ukunakanwa umntu ongenamali kunye nenkqubo ngakumbi ngenxa yokuthengiswa kwempahla yayo enkundleni zinokwenzeka ukuba:

• ungonakala umphathiswa okanye umntu onetyala imibutho ugunyazisiweyo nako ukuphuhlisa iphumeze isicwangciso ngokutsha;
• isicwangciso ngokutsha ayibonakali xa intlanganiso amatyala;
• INkundla unilaterally irhoxisiwe ukuphunyezwa kwesicwangciso ngokutsha;
• amanqaku yephule yesivumelwano soqhawulo-mtshato;
• emva kokuba inkqubo ngokutsha ityala, ityala waqalwa ungonakala.

Ukusetyenziswa kwempahla abanamatyala 'emva kokuba ufumene iwonga ongenamali eyenziwa phantsi kweliso kwezezimali. Ukubanjwa yepropati zona. Noko ke, limited ummi unelungelo lokuba ukulahla impahla. Yonke imisebenzi enokwenziwa kuphela phantsi kweliso kwezezimali.

Yintoni eza kwenziwa

Ekubeni kuthathelwe ingqalelo umntu ongenamali, sonke isifundo sakhe impahla ukuba yokuthengisa ukuhlawula amatyala abo. Uluhlu lwezinto ipropati, ongayi kuba baqonda ichazwe kwinqaku 446 kweKhowudi Civil. Oku kuquka:

• izindlu onetyala, ukuba nguye kuphela ezifanelekileyo yokuhlala yakhe;
• umhlaba ofanelekileyo kuphela zokuphila;
• izinto zokusetyenziswa lobuqu ngaphandle izacholo ebekade;
• isixhobo okanye izixhobo ezifunekayo ukwenza loo msebenzi;
• feed nemfuyo, bayiminquba izilwanyana ukuba ukuze bazisebenzise;
• imveliso;
• amafutha;
• amabhaso amabhaso.

Ukuthengiswa kwempahla abanamatyala 'ayikwazi kuba ngeendleko engange zayo ngaphantsi kwe-10 amawaka. Nantoni na ibiza kakhulu ngexabiso, esasikwifandesi.

Amagunya zolawulo lwezimali

Igosa lezeMali ngokupheleleyo Uchitha yipropati yimali. Phantsi kobunkokheli bakhe, yonke imisebenzi, kuquka ukuthengisa impahla abanamatyala 'kwi kwentengiso. Iintlawulo zenziwa ngqo yimali eyaziwayo ungalanjathiswa.

UMlawuli unakho:

• ukulawula imali sisuke kwi-akhawunti yalo kweendonga;
• ukwenza imisebenzi le akhawunti;
• azalisekise amalungelo sisuke;
• khona kwaye uhamba izilingo (apha kwakhona ziquka ukubanjwa nokubulawa kwempahla unetyala).

Inkqubo zokuthengisa impahla olahlwe

Inkqubo wokuphunyezwa welifa imilinganiselo iquka izigaba ezine.

1. Aveze uluhlu kunye nokuvavanywa nempahla. Zonke phantsi ngequbuliso nokuhlutha kunye nokuthengiswa kwi yeefandesi, bambamba. izinto echongiweyo ayikwazi alukhange luqokeleleke ndaweninye.
2. Phantsi kwesikhokelo yolawulo lwemali ukumangalela isikhundla ukuphunyezwa lwezinto kunye nemiba yokuthengisa kunye neendleko.
3. Ukuthengiswa kwempahla e kwifandesi. Ngokuqhelekileyo, inkqubo ithatha iinyanga ezi-6, kodwa eli thuba linokwandiswa yinkundla. Le propati, apho zidlulele amatyala asemva kufuneka kwakhona kungathengiswa ngalo eli thuba. izinto Ipropati endiwazuze ngaphezu kwe-100 lamawaka engange, makuthengiswe ngawo kwifandesi kawonke. Xa abaphathi zemali akakwazi ukuthengisa izinto impahla, babuyela sokuboleka ulungiselelo lwe isiqinisekiso transfer.
4. Iimali ezifunyenwe ekuthengisweni kwezinto mhlaba zidluliselwa amatyala. Ukuba ezi akonelanga uhlawule ngokupheleleyo sisuke ityala engasekho unyanzelekile ukuba ahlawule kubo, njengoko kuthiwe yimali.

umsebenzi nokuhlola

Ukuvavanywa sempahla sonetyala - iqonga ubalulekileyo kwiinkqubo ukuthotyelwa. On imiphumela yayo ixhomekeke ukusebenza kwamanyathelo zokuphumeza. Bonakalise nomdla uvavanyo eliphezulu impahla, kunye nabo abatyalayo - kwihlabathi lokwenene.

Uqikelelo lwezinto kali ngokungqinelana neSiqendu 85 lomThetho "On Iinkqubo Ukunyanzeliswa" lwenziwa yi bailiffs ngokungqinelana kunye namaxabiso lentengiso. Bailiffs zikholisa ababetsaleleke appraisers, njengoko ngokufuthi ematyaleni, kwaye vzyskatelja akuvumelani iziphumo zale nkqubo. Icala ukuba angenele iziphumo zomsebenzi, uhlawula iindleko ezipheleleyo zeenkonzo appraisers.

Valuation of izibambiso kwenziwa Sebodi yezitshixo ye bailiffs kubaququzeleli zokurhweba kwimarike efanelekileyo. Ixabiso izabelo mali investment emiselwe iindleko isicelo ukuya entlanganweni ekulawuleni.

Okukhuphisana yokuthengisa abanamatyala kunye umyalelo kwabo

Emva kokuba uvavanyo umsebenzi uqala ekuqondeni impahla izinto onetyala kwi kwifandesi kawonke, ezenzeka kwifomati kwifandesi.

"Step" ngasinye kwandisa ixabiso efandesini leqashiso. Ubungakanani "amanyathelo" ukuseta nomququzeleli efkunyeesi, njengoko umthetho, oko akukho ngaphezu kwe-10% yexabiso lokuqala kwesi sifundo. Ukuba bathathe inxaxheba ifandesi inokuba abe ngummi laseRashiya. Ophumelele lo umntu onikela imali enkulu.

Lijongene kweethenda abaphathi zemali onyulwe okanye iinkampani zomntu wesithathu. imisebenzi ombutho kuba ifandesi zihlawulwa kwi-asethi sisuke.

abathengisa impahla abanamatyala 'zibonwa mthethweni ukuba akukho umthengi ezinokufuneka akasifakanga isicelo ukuba bathathe inxaxheba. Ukuba isicelo sifakiweyo yi nomthengi oyedwa, kwaye kwakubhalwe ngaphezu ixabiso lokuqala iqashiso, umphathi zemali yequmrhu kwelo uthengisa impahla.

Ukuba efandesini akazange athabathe indawo, bona kwakhona yenziwe. Ixabiso amaqashiso kuya kuba ngaphantsi nge-10% yeendleko yokuqala. Ukuba ukuzama yesibini uyasilela, ubunzima ukukhuphisana kuthengiswa ngeendleko umnikelo yoluntu. Iindleko kunye nexesha nomnikelo loluntu libalwe ngokomlinganiselo wexesha kwanciphisa ukuthengisa ipropati.

iindawo zorhwebo

Kumaqonga zorhwebo yekhompyutha yingqiqo lwepropati abanamatyala '. "Sberbank AST" yeyona ethandwa kakhulu phakathi kwabo. Kukho nezinye iisayithi intanethi:

• "Fabricant" (website iqinisekisa ukuba iselubala zibe, inikeza iintlobo ezingaphezu kwe-30 ukuthenga nokuthengisa neenkqubo).
• "Center for Implementation" (aququzelele ukurhwe- ngokuvela okanye ukuwa).
• "Lot-umgca" (iqonga jikelele apho bathengisa izinto, iimpahla kunye neenkonzo).
• "YuTender" (iqonga automated ngokupheleleyo, nto leyo igcina ulwazi malunga ifandesi kangangeminyaka eli-10).

"Sberbank AST": Iimpawu

Njengoko sele kukhankanyiwe, omnye kumaqonga yorhwebo electronic ephambili eRashiya, apho intengiso yempahla abanamatyala '- "Sberbank AST". Le ungayiqondiyo UMTHETHO imela "inkqubo yorhwebo ezenzekelayo."

Kubonakele ngoJuni 2009 ngokomyalelo ngurhulumente Russian njengomsebenzisi yokurhweba olusekhompyutheni, ekurekhodwa kulo umda equka isivumelwano likarhulumente unikezelo kweempahla kunye neenkonzo ukulungiselela iimfuno zelizwe.

Ulawulo nomsebenzi wayo kuxhomekeke ngokupheleleyo ngenani Federal uMthetho 94.

Ngokomyalelo iSebe loPhuhliso loQoqosho ngo-2009 "Sberbank AST" wakhetha uphumeleleyo esekelwe kwiziphumo ukhuphiswano phakathi kumaqonga elektroniki. Kulo nyaka, umbutho ifumene ukuvunywa karhulumente isithuba seminyaka emihlanu.

"Sberbank AST" libandakanywe zorhwebo yekhompyutha xa kwenziwe isicelo kwamashishini zorhwebo ezahlukeneyo, yaye zibonelela ngeqonga kubathengi inkampani enkulu. iintengo nazo apha iintswelo "Sberbank of Russia".

Ziziphi iindlela amatyala alinakurhoxiswa

Nangona nokuthengiswa bempahla yokwenene yi indlela ephumelelayo ukuhlangabezana namabango amatyala, yimali akakwazi rhoxisa iindidi ezithile letyala:

• isondlo;
• iintlawulo abatyalwayo ukuba imbuyiselo ngenxa eziphathekayo yokuziphatha umonakalo, kuquka malunga yokwenzakala ebomini nempilo;
• isinyanzelo sokuba uhlawule;
• isinyanzelo sokuba uhlawule inzuzo ukupheliswa;
• ubutyala secondary ;
• imbuyekezo ilahleko yuridichekomu umntu ongenamali, owayesakuba ilungu apho yena;
• imbuyekezo umonakalo izinto;
• ehlawulelwa ngemiphumo imicimbi zingabalulekanga.

intengiso asethi yimali - inkqubo multi-eqongeni, efuna ukubandakanyeka imibutho emininzi abazinikeleyo. Kucingwa lugqityiwe kuphela emva kokuba ukuthunyelwa kwemali amatyala. Kodwa eli cebo kukuba ebomini ikude lee egqibeleleyo. Ukuziqhelisa egwebayo, ngokufuthi zisetyenziswa kunye namanyathelo ezongezelelweyo yokuthengisa ekuqaleni welifa yimali, kuquka ukubandakanyeka nalungele ukuba esweni inkqubela yonke inkqubo.