Ukubonelelwa yesivumelwano kwiimeko 44-FZ

Abo abanyamezele ngokusisigxina kunye namalungiselelo ukusetyenziswa kamasipala okanye zikarhulumente ukuthengwa kwempahla, iinkonzo okanye imisebenzi, siya kufuneka sakhele phezu isiqwenga esithile-mthetho, oko kukuthi 44 FZ. Le yinxalenye yalo mthetho federal enikelwe kwimigaqo nemiqathango yesivumelwano.

Umongo umthetho

Xa uhlolisisa umthetho lwangoku, kuya kuba lula ukufumana eminye imiqathango echaphazelekayo apho balawulwe le nkqubo, njengoko kubonelelo kwekhontrakthi.

Yokuqala efunekayo ukuze kwenziwe - ukuba ubhaliso isiqinisekiso yebhanki. Yifumane kuba kwiziko zemali ukuba yinxalenye yoluhlu kweebhanki kunye namagunya efanelekileyo. Kukho iimeko, kodwa ndicinga ukuba iyavakala kuphela xa ngentsebenziswano umyalelo wokhuselo karhulumente.

Kwakhona kubalulekile ukuba ukujongana yokuba iluphawu siqinisekiso. Ukubonelelwa yesivumelwano ngaphandle enika kungenzeki. Enyanisweni, sithetha sivumelwano, nto leyo sibhalwe phantsi kwaye siza kuba neemfanelo ichazwe ngokucacileyo iziko zemali, ukuba inxalenye inqununu akayifezi iimeko ikhontrakthi, umntana ufumana imali.

Ngale ndlela, ibhanki kwaye iqinisekisa ukubulawa lesivumelwano ephathelele ekubonelelweni imveliso ethile okanye inkonzo. Kufuneka kuqondwe ukuba ikhowudi kufikwa ukuqinisekisa isivumelwano, abathengi uya kukhetha kuphela ezo maziko ezifakwe kwi-Ofisi yoMphathiswa wezeMali lobhaliso.

Isiseko usisiqinisekiso i-Federal uMthetho 44

Isigaba sesibini Art. 45 FL-44 iqulethe ulwazi malunga siqinisekiso, njengoko enjalo, azikwazi ukuba irhoxiswe. Kwaye kufuneka lusekelwe kwiinkqubo zilandelayo nephepha:

- Ukuhlola. Isivumelwano kufuneka sibe semthethweni logama nje isivumelwano, enika ibhanki, kusenjalo efanelekileyo.

- A iseti yamaxwebhu enikwa kwindlalifa. Kule meko sithetha ngabo izibambiso, nto leyo nokulungisa afanelekile iqela ukuba imbuyekezo yemali evela ebhankini (isixa isiqinisekiso). ezifunwa ukuba akagwetyelwa ngaphandle la maxwebhu.

- Uxanduva zamaqela. Ikhontrakthi Isondlo unako ukusebenza phantsi komqathango wokuba icala pre-ezisisigxina iimfuno ngencwadi ebhaliweyo.

- imeko suspensive. Xa ukhutshwa yokusebenza bond akananto isiqinisekiso ebhankini, kwiimeko ezininzi isivumelwano ityikityiwe malunga uxanduva inqununu.

- Umdibaniso lolu xwebhu. Oku kumalunga nokulungisa sixa sisiso siqinisekiso, apho umntana ungalindela, ukuba umthengisi engazifezekisi iimfanelo zakhe phantsi isivumelwano.

Features FL-223

Ukuqwalasela ubonelelo contract yebhanki, kuyimfuneko ukuba bakuthathele ingqalelo iqhekeza mthetho. Ummiselo uyahluka ukuba ivumela ukuba babeke imithetho yabo kunye nemiqathango yesivumelwano nxaxheba, ukuthatha njengesiseko amalungiselelo lokuthenga. Kungenxa yesi sizathu ukuba ezinye abathengi kunye ekhethiweyo isiseko 223-FZ, nangona oko sicaciswa gca iimfuneko ezicacileyo ngokubulawa kwale mvumelwano.

Kulo mzekelo, isibonelelo contract ngeendleko mali ukuba zigqithiselwe kwi-akhawunti kwindlalifa yakhe. Ngenxa yoko, umthengi unalo ithuba lokukhetha phakathi oluchazwe-ngentla isenzo ezilawulayo, eziye ivumela ukumisela imiqathango yawo, kunye FZ-44, nto leyo ichaza ngokucacileyo ekupheleni kwekhontrakthi.

Hi ndlela leyi, kukho iimeko ezithile ukuze zifakwe kwi siqinisekiso ebhankini. Yinto ngokondla isiqinisekiso ezenzo yenkundla umthengi, engqina ukungabikho ukuphunyezwa kwizibophelelo yinqununu, njengoko sum of imiqathango yezokhuseleko intlawulo.

Indlela yokwenza isivumelwano iwaranti a

Ngoko kusengqiqweni ukuba ubonelelo kwesivumelwano kufuneka kubhalwe mapping. Kulo mzekelo, akukho okwangoku akukho ifomu ezithile, njengoko apho kunokwenzeka ukwenza uxwebhu enjalo. Kodwa kukho imiyalelo ethile, yaye imisela ukuba kumele ecaciswe kwifom.

Abo banqwenela ukufumana umbono oko kukhangeleka ngathi siqinisekiso bank intshayelelo, iyavakala ukundwendwela indawo yokufumana zoluntu, apho le ngcaciso ifumaneka simahla.

Abo singayazi apho ungajonga kwisampula ngamancedo achazwe apha, kufuneka uye kwi 'Register' uze ukhethe le nto "irejistri siqinisekiso yebhanki" candelo. Xa iziko lomkhusane izakuvelisa i window apho kufuneka nqakraza kwikhonkco "Documents '. Ngenxa yoko, ufikelelo evulekileyo ingcaciso ephathelele iziqinisekiso bank. Apha kufuneka ukuba ufumane iqhosha elibonelela bonisa iinkcukacha uze ucofe kuyo. Oku kuya kubonisa ikopi ziskenwe yeso sivumelwano.

Le isampuli can be downloaded, nokuba kukhutshwe amaxwebhu ayimfuneko ezisekelwe kuyo.

Ziintoni ezifunekayo kwiibhanki

Njengokuba kubhaliwe ngasentla, amaziko mali iya kukwazi ukwamkela izikhuseli ukuqinisekisa ukuba isivumelwano kuphela kumaziko mali, nto leyo eya uyavumelana neemfuno ezithile kwi-Code Tax. Ezi mfuno zezi zilandelayo:

- Imisebenzi zebhanki kufuneka ube neminyaka engaphezu kwama-5;

- kufuneka kubekho Akukho iimfuno CBR samanyathelo recovery mali;

--mvume ukuvumela ukuba baqhube imisebenzi zebhanki ;

- ukuba ibhanki lijonge ukubonelela ngeenkonzo ezifana nokubonelelwa imvumelwano, umele ukuba nexabiso ngomnatha, imali leyo eya kuba 1 billion okanye ngaphezulu;

- enye mfuneko - ukuthobela yibhanki kunye nemigangatho esisinyanzelo, ezinikezelwa 86-FZ, nto leyo eza kuvavanywa ukuthotyelwa nale mfuno phezu kwiikota ezimbini ezidlulileyo.

luyafumaneka ukuba unqwenela kuluhlu kweebhanki ehambelana iimfuno ezichazwe. Olu lwazi kwi-website ye-Russian yoMphathiswa wezeMali.

accounting

Ukufumanisa ukuba kusetyenziswa imiqathango amalungiselelo kwesivumelwano kufuneka athathe ingqalelo yebhanki elingenisa siqinisekiso, kwakunye amaqela abandakanyekayo ekuthengweni, kuyimfuneko ukujongana nemiba accounting.

Ngoko ke, xa kuthengwe nxaxheba idlulisela imali kwi-akhawunti ye-umthengi, xa zichazwa nokubonelela isiqinisekiso yesivumelwano. Ngelo xesha, lakuba nje eli isivumelwano ngokwayo ityikityiwe, umthengi uya kubuya imali transferred emva, nto leyo ithetha libe lilifa okwexeshana kuphela izixhobo umthengisi.

Kulo mba, njengenxalenye isixa-mali efunyenwe nxaxheba ufuna ukubonisa amanani akhawunti digit 19-23 kwaye ngexesha elinye usebenzisa ikhowudi 3. Ngale ndlela, indlela abathathi-nxaxheba kwentengiso iya kuqatshelwa ngokuba ngexesha abanalo.

Njengoko le akhawunti ezithile ezifanele le misebenzi, kubalulekile ukuba ukhethe inani 01. Yiloo 304 senzelwe ekubaleni i-asethi, ukuchithwa into yokwexeshana ngokwendalo. Olu hlobo lwe akhawunti kuyimfuneko ukuqhuba imicimbi non-cash in the kwijenali.

Ukongeza imali

Phantsi komxholo othi "zokukhusela ixabiso ikhontrakthi," kusengqiqweni ukuba banikele ingqalelo yokuba imali yenziwa njani ukuqinisekisa ukuba imiqathango yesivumelwano ziyafezekiswa.

Ekuqaleni, kufuneka uchaze la magama alandelayo sokukhetha isakhiwo yemali umthengi: Ngaphambi kokuba isicelo kwentengiso okanye ithenda, kufuneka lifake imali kwi-mali efunekayo.

Njengoko enye indlela, nto leyo evumela ukuba ukuthatha inxaxheba ifandesi, ungakhetha ukuba ukunika isiqinisekiso ebhankini. Ukuba uhlawula ingqalelo para. 6 weSiqendu 44 woMthetho Federal, akukho nzima ukufumana imfuno yokubuyiswa mali, enza indima yokuqinisekisa isicelo-nxaxheba zokuthenga, emva kokuba ukhetho lokugqibela ukhuphiswano.

Buyisela ukuba imali ezifunekayo ithuba elingadlulanga kwiintsuku zomsebenzi ezi-5. Xa sithetha ngalo elektroniki ifandesi, awandigosisa imini enye le nkqubo.

Ingajongeka iziqinisekiso yesivumelwano

Kukho iindidi ezininzi komsebenzi imvumelwano, esibonelela mthetho. Ngoko ke, apha ezinye iindlela kanye apho kwintsebenzo bangesosigxina kufezekiswa:

- A isiqinisekiso yebhanka ozifezekisayo iimfuno ezibekwe Art. 45 kwinkqubo ikhontrakthi. Oku kuthetha ukuba ibhanki ezifundisa nokukhutshwa kweziqinisekiso, kufuneka sibe Ministry of Finance luhlu. Kwakhona, iziqinisekiso inkonzo kunokuba ifomu ngesiphelo kuphela.

- ibheyile Cash. Kule meko sisixa ukuba idluliselwe kwi-akhawunti yomthengi anike isisombululo kunye igcinwe ngaphakathi 5-30% yemali iyonke (lokuqala) ixabiso le iqashiso okanye isivumelwano.

Kubalulekile ukwazi enye inkalo yenkqubo: Ukuba ixabiso lokuqala isivumelwano abangaphezu kwezigidi ezingama-50 engange, ukunyanzeliswa nevuthisayo ayikwazi ukubeka elingaphantsi kwama-30%. Kusenokwenzeka ukuba le mvumelwano iya kubandakanya intlawulo, akayi kuba kwimeko apho ukhuseleko ngaphantsi koko intlawulo.

Ixesha lokubuya nokuqinisekisa

Apha yonke into ilula kakhulu: isiqinisekiso ukuba kubonelelwa ngaphakathi elo xesha, nto leyo wayezimisele kwinkqubo ekwenzeni imvumelwano. Oku kulandela isigqibo ezicacileyo: Ukuba iqela ehambisa inkonzo okanye imveliso akanako ukunika ukhuseleko sokwenza imvumelwano ngamaxesha ethile yangaphambili, kuya kuqwalaselwa labaleka isivumelwano.

Ngokumalunga nesiqinisekiso ebhankini, kukho caveat mnye - yesinyanzelo Ixesha igqithe wihi kwimvumelwano esemthethweni phakathi kwamaqela lenyanga enye okanye ngaphezulu.

NgokoMthetho ukuqinisekisa isivumelwano Ziquka inkcazo ecacileyo ngokwemiqathango yale nkqubo, kuquka ukubuyiselwa imali siqinisekiso. Xa sibhenela umthetho, ngoko usenokufumanisa ukuba ayenzi iqulathe iimfuneko ngqongqo kule nkalo. Ngenxa yoko, abathengi abaninzi ngokwabo amisele ixesha apho baya kucelwa ukuba benze kwemali, evalekileyo ukuze kukhuselwe ikhontrakthi. Ngaphezu koko, lo gama inyanzelekile ukubonisa kwisivumelwano.

Xa isiqinisekiso ingasuswa

Ukongeza ukubuya mali siqinisekiso, kusekho ithuba ekuqaleni banikezele iinkonzo ezifana kubonelelo kwekhontrakthi. UMthetho akakwaleli eso sigqibo, kodwa akusoloko kucacile phantsi kweziphi iimeko iyavakala ukwenza.

Ngoko ke, isizathu sokuba sigqibo kungaba ezininzi:

- isiqinisekiso bank lingenako ukuhlangabezana iimeko, leyo kuthetha ukuqinisekisa ukwenziwa kwesivumelwano;

- kwirejista akukho ulwazi malunga ibhanki leyo inika iinkonzo zewaranti;

- usisiqinisekiso ukungangqinelani, ibhanki ecetywayo, iimfuneko eziqulathwe kule amaxwebhu anxulumene nokuthengwa, izimemo ukuba bathathe inxaxheba kule nkqubo yokuchonga umthengisi, kwakunye isaziso ukuphunyezwa wentsebenziswano.

Ukuba isoftware umxhasi alizithathi yesivumelwano njengenyathelo kuyimfuneko, liya kwazisa ibhanki malunga zokwala kwayo ngencwadi ebhaliweyo zingaphelanga iintsuku ezintathu zomsebenzi.

Izinto ukwazi malunga namanyathelo anti-inkunkuma

Kukho umthetho "Kwi inkqubo ikhontrakthi" ukulawula imicimbi enjalo. Ukuba sinikela ingqalelo inqaku 37 yalo mthetho, kunokwenzeka ukuba ukwazi ukuba amanyathelo anti-inkunkuma ukusebenza ukususela mzuzu xa ixabiso contract eliphezulu kuncitshiswa ngaphezu kwama-25%. Yinkqubo ukhetha ungumthengi efanelekileyo nesakhiwo sakhe zemali elisuke kukhuphiswano okanye kwintengiso format.

Kakuhle eli amanyathelo ngokwabo azezi kulandelayo: ukuqinisekisa isivumelwano ukulungele ukunikeza umthengisi njengoko kuchaziwe kwinkqubo yokhetho, banda izihlandlo 1.5 xa kuthelekiswa namanani zinikwe ekuqaleni. Ngamanye amazwi, ukuba amaxwebhu ifandesi anike esisigxina imali elingana-10% ye-sokuqala ubuninzi ixabiso lesivumelwano, xa ukuncitshiswa umlinganiselo ngentla ngaphezu kwama-25%, isixa siqinisekiso iya kwandiswa ibe ngu-15%. Oko kukuthi, ukulahla ngaba kufuneka ukuba uhlawule, loo nto ayithethi kuthabatha qhinga inzuzo enkulu.

Le ukuba batye

Kukho ethile uhlobo iziqinisekiso yebhanki, abakulo lobhaliso azifakwanga. Phantsi kwalo mthetho ufumana izicelo software, evela kwiziganeko zabucala zadalelwa umthengisi ethile, umdlali okanye ikontraka. Enyanisweni, kusiziwa yokuthenga enxulumene iimfihlakalo karhulumente. Oku kuquka ukubonelelwa kwesivumelwano kunye equlathe iinkcukacha ayivezi.

Kwaba phantsi kweemeko ezinjalo, ukungabikho kweenkcukacha kwirejista kweziqinisekiso inikwa ngumntu yibhanki ethile ayikho isizathu esivakalayo sokuba zokwala.

iziphumo

Ukubonelela ukuba le mvumelwano iya kuzaliseka, kuba ngaphezu umlinganiselo kanye, kuba yenza intsebenziswano ethembekileyo uzinzile. Okwangoku, umthetho silawula kakhulu ngokucacileyo inkqubo kwaye oko kwenza abathengi (imibutho mali), ukuqhubeka intsebenziswano esebenzayo kubathengisi, ukunciphisa imingcipheko ubuncinane.