How kuenda kusauka Nat. Chiso, SP, mabhengi? How kuenda kusauka uye vanorasikirwa mekamuri?

More ichangopfuura kusauka pachake aigona kuzivisa chete zviri pamutemo masangano. Pari, nzira iyi vanogona kushandisa, uye vanhu, kusanganisira munhu Entrepreneurs. Pashure kuitwa mitemo yacho kusauka evanhu mibvunzo inonetsa zvikuru - anova sei sauka vanhu uye sei haina kurasikirwa pfuma yaro.

kusauka

With ari kusauka yokupira masangano vose pfupi pachena, kureva. A. Mitemo mumunda ichi chinoshanda kwenguva yakareba uye makavakwa yakawanda uchidzidzira. Pamusoro dzinongoitika vanhu, zviri zvikuru kwakaoma, t. To. Vagari vazhinji kusvikira pakuguma havagoni kukurira sei kushandisa zvakagadzirwa ari ukama pacharo uye zvinodiwa kuti vave varombo. Vanhu vakawanda vanodavira kuti kuitira kudzivisa kubhadharira ayo nemhiko, zvakakwana kuzivisa pachavo kusauka. Kutaura zvazviri, kupindura mubvunzo sei kuenda kusauka uye haateri chikwereti, zvakaoma, t. To., Kuverenga zvatinopiwa vomurayiro, hatigoni chete kunzwisisa zvazviri, asiwo kungodzungaira nzira pacharo. Pari, vakawanda magweta dzinotanga kudzidzira urongwa mabasa zvinoenderana nechipimo ichi. Chete hazvisi pachena kana kunzwisisa urongwa uhwu pachavo uye sei kuzvishandisa zvakanaka, kuti ndiyo. To. The mutemo richiri "mbishi." Regai kuvimba rokutanga pakaunda kune unyanzvi mumunda, kureva. A. Ko kuva kunotonyanya vatevedzere mamiriro ezvinhu.

vanhu vakagamuchira Kuzivikanwa defaulters nezvinebasa apo vagari, kuwana yakawanda Tera, Aisagona uvabhadhare. Kwakasarudzwa kugadzirisa nyaya, t. To. Lenders havasi nguva dzose takavimbika anokwereta ayo, izvo kazhinji nokuda upenyu ezvinhu havagoni kubhadhara zvikwereti. Mune dzimwe zvikamu chavagari zvikwereti zvakafanana kusvika mamiriyoni, uye panguva dambudziko mamiriro ezvinhu munyika kubhadhara kunyange chiduku chikwereti iwayo akaoma.

Milestones uye nzira nokuda kuziva munhu kusauka

Vazhinji vanonetseka nezvokuti sei kuva kusauka pamusoro zvikwereti uye kuponesa mamiriro avo emari?

Kungoda kucherechedza kuti kushandisa nzira iyi hakusi nyore nzira yokugadzirisa zvinetso zvemari. Muzviitiko zvizhinji, kudiwa kupedza nguva yakawanda uye zvaida kushanda nesimba, uye mune mamwe mamiriro ezvinhu - uye mari.
How kuenda kusauka? We nyora pfungwa huru:

1. Munhu rikurumbire sauka payer chete mumatare.

2. Kuti ndizivise pachake sezvo zvakadai zvinogona sezvo nyaya wechisikigo munhu, uye ake chikwereti.

3. Chikumbiro anofanira pasi kuyananisa.

4. Pamusoro hwaro vakabvuma chikumbiro, dare anosarudza.

5. Kana chikumbiro yakwidzwa womunhu anomukweretesa, zvinonzi akabvumirwa ikwidzwe pamwe mutsara akawanda chikwereti.

6. Chikumbiro anogona pasi, kana chikwereti kwazvo 50 zviuru.

7. Chikumbiro anogona kuisa purogiramu vachibhadhara muzvikwereti. Pakadaro kunzwa anogona kunonoka, nokuda ine chikwereti kugadzirisa.

8. FL akataura kusauka chete kana chokwadi mari insolvency chichaitwa zvakazara akaratidza.

9. Pashure kuziva PL untenable nokuda okisheni zvake.

Zvichida, yakanakisisa sarudzo aizova kuitwa parutivi muparamende, pamwe mutemo, gwaro, unonzi "Sei kuva varombo. Mutungamiriri nokuda nechikwereti"

Izvi kudzivisa mibvunzo yakawanda zvisingakoshi uye nokuponesa nguva vagari.

Chii chikwereti kugadzirisa

Pfungwa iyi ndiyo shanduro murayiro muripo uye zvikwereti ezvinhu. Nzira yacho kubhangi, mukwereti haachagoni kubhadhara chikwereti chikwereti kune zvikwereti.

Kugadzirisa paruchaitika hwaro pokushandisa chikwereti, izvo zvinoratidza mhaka hazvibviri kwohumwe mutsividzo muzvikwereti pamusoro tsaru mazwi. Chikumbiro anofanira kuiswa mapepa achisimbisa kuwedzera mamiriro ezvemari. Zvakakosha kunzwisisa kuti nedanho kugadzirisa pamahombekombe ane kodzero, kwete mutoro. Saka, asati kushandisa kuti chikwereti, zviri nani kuwana kana pane mukana kushandura mashoko chesungano mune remangwana.

Chii kutarisira vagari kubva dzemunharaunda murayiro mutsva

Usaora mwoyo uye vanofunga kuti pashure nzira, munhu ari mubvunzo anorasikirwa zvose zvake uye kusiya chinhu. Maererano nomurayiro, kwete vose pfuma inogona kutengeswa nokuda chikwereti:

1. Kana mugari ane chokugara pfuma, iyo anoita se ayo chete pfuma, kubhangi havazokwanisi kumuwana kubhadhara chikwereti.

2. No pachako zvinhu, muna Vol. H anogona atengeswe. Awards uye mibayiro.

3. Nokuremara kuripo pachinhu zvavo pfuma kwevarume. Kana iwe vakatengesa vanhuwo pfuma, zvinofanira kuva zvinokwanisika kutenga nzvimbo duku kuti mumwe vakaroorana, vane basa haushandi. Somuenzaniso, kuchinjana boka raivapo furati imba panguva pachivara.

Zvinofadza kuti vari kuziva munhu kusauka, kwema zvose zvakaitwa kubudikidza naye uye nemhuri yake pamusoro rokupedzisira gore, vanonzi haichashandi. Izvi zvinoitwa kuti vadzivise pakubiridzira uye scams.

How kwete kurasikirwa zvose zvinhu zvavo panguva nzira

Mubvunzo sei kuenda kusauka vanhu, ine vazhinji nuances dzinowanzoshandiswa hakunganzi vagari. Zvakaoma kudzidza murau kunzwisisa kana zvichibvira kushandisa mitemo yaro yavo nyasha. Vagari vanosarudza kushandisa iye nzira iri mubvunzo, kutanga yokushamisika zvose sei kuva kusauka, uye kwete vasingadi furati uye panguva imwecheteyo kubvisa mari mitoro kubhengi. Vakawanda vanoshandisa zvirongwa zvakasiyana uye manomano kuchengeta zvinhu zvavo, nokuda iyo panguva kusauka munhu asina chinhu aizoenda kuzorwa chikwereti. Somuenzaniso, panguva iyo chikwereti chibvumirano mukwereti anogona nyorazve pfuma yake vamwe. danho rakadaro mberi zvinetso zvakakomba kuti womunhu anomukweretesa. mibvunzo yakawanda kuti kutengeswa pfuma zvakafanana muridzi kana kana zvivako ndiyo chete yokuvanda chikwereti kana wakatorwa munhu mogeji. Zvinofanira vakafunga kuti sezvo bedzi kwete kuti vaunze tsika zvakakwana sei kuenda kusauka vanhu, pachava yakawanda nharo nyaya zvinoda kunyatsotsanangura uye elaboration. Mumwe nhamba yevanhu nokushayiwa mano vanotenda kuti nokuzivisa pachavo kusauka, vachakwanisa kukanganwa pamusoro zvikwereti zvenyu uye urarame murunyararo inotevera. Muchiitiko chino, hapana inorangarira pfungwa dzinotevera chokuita sei kuva kusauka muRussia:

1. mugari havazokwanisi kuita bhizimisi mukati mumakore mashanu.

2. All huripo marezinesi achaparadzwa yakabviswa.

3. Hakuzovi zvinobvira kuti ape zvikwereti zvitsva.

Kana munhu mugari achida kuita zvibayiro zvakadaro, ipapo zvingangoita kuti kutanga upenyu pasina zvikwereti kuwana.

Bankruptcy chiyereso yokukurumidzira

Nokuti vanhu vazhinji, nzira iyi chinhu yokunyanyisa chipimo kugadzirisa matambudziko wezvemari chikwereti. Kukundikana vagari vabhadhare zvikwereti zvayo yaiva mhaka zvoupfumi. Zvichinyanya kushanda nyaya iri "sei kuva neutano kusauka" vaya akatora chikwereti kana chikwereti dzimwe mari. Nezvokumutswa kukura dhora kubhadhara womunhu anomukweretesa ikashanduka zvisingabviri. Vagari havachavimbi mabasa avo, mari yavo yekudyidzana ipfupi. Vanoitei? Just tsvaka mhinduro yomubvunzo wokuti sei kuva varombo bhengi.

Insolvency dambudziko kunokonzerwa kwete chete currency anokwereta, asiwo kubva "Ruble". Uye vakawanda chikwereti havagoni kubhadhara kunyange nyore zvikwereti kuti yakapiwa nokuda kutenga mutengi nhumbi. Vazhinji vagari vari chikwereti nokuda shoma zvikwereti, uye vashoma ivavo vane zvikwereti vane zvakanaka guru saizi. On zano vakawanda magweta kushanda munharaunda iyi, regai kumhanyira kuzivisa pachavo kusauka. Danho rokutanga kutaura kubhangi kuti kupa mukana chikwereti kugadzirisa.

Maererano kubhangi nezvomutemo mutsva

Vazhinji anomukweretesa Masangano tave takamirira kuitwa mutemo uyu, muchitenda kuti zvichabatsira nemabhangi kuti zviri pamutemo kugadzirisa dambudziko zvikwereti zvakaipa, t. To. The bhengi ndambodzidza vasina nzira dzokugadzirisa dzavo ngava. Chakagamuchirwa chiito anopa rusununguko zvikwereti masangano, izvo zvinogona kunokumbira mukwereti nechinangwa kuzivikanwa kwake sauka payer. Maererano mabhanga mazhinji, chikuru chitsama chikwereti dzinobvumirana kuti kugadzirisa. Ndokusaka, usati kuenda kudare kuziva chikwereti, zviri nani kutanga kwidza ari chikwereti sangano pacharo uye kudzidza kuti womunhu anomukweretesa anogona kupa kuti kugadzirisa dambudziko uye tione sei kuva varombo bhengi.

Kana iwe onana kubhangi haumanikidzwi kuvanza chaiye mamiriro remabasa mukwereti. Somuenzaniso, kana munhu mugari akarasikirwa nebasa rake uye, naizvozvo, chete tsime mari, vanofanira kuzivisa bhengi pakarepo, pasina akamirira kuunganidza hombe kunonoka pamusoro chikwereti. Nokuda chete vanofanira kunyora kushanda uye batanidza gwaro pokusimbisa chokwadi kwokurasikirwa basa. The Bank ichaongorora chikumbiro uye kusarudza munhu kuva kusauka kana yakanaka nzira yaizova kupa mukana kugadzirisa chikwereti. Chinzvimbo mabhanga kamwe zvakare kunosimbisa chokwadi kuti vanoda kushandira pamwe ayo chikwereti panyaya yokuwana chingapedza ezvinhu akaoma mune zvemari.

Vanogona Entrepreneurs ndizivise pachavo sauka chikwereti?

Kana mubvunzo sei kuva kusauka munhu, kana kusatonzwa yakajeka, sei kushandisa mutemo kuti SP? Maererano nemitemo, IP kwakafanana wenyama munhu, ukuwo, zviri pasi zvose zvatinopiwa mutemo mutsva. Chii chinodiwa ichi nyaya kutora uye sei kuva kusauka, SP? SP Zvingaonekwa defaulters nokuda kwezvikonzero zvinotevera:

1. Kana wokutepfenyurisa havagoni kuramba kusangana ayo mitoro kuti chikwereti.

2. SP atadza kubhadhara fanira kubhadhara.

Vose Zvinotaurwa chikwereti kuna IP anofanira chete dzibvise zvakasikwa. Dare anogamuchira chikumbiro Zvokukurukura ari chiitiko kuti kana SP ane mwedzi mitatu-chikwereti womunhu anomukweretesa uye / kana kukura chikwereti akapfuudza Verengai 10 000 rubles. Pakutanga, vasati kuitwa nemurairo, kwakasarudzwa kuti kusauka IP uye nyaya sei kuva kusauka munhu ichakurukurwa matare siyana. Pari, vanhu uye Entrepreneurs akazivisa kusauka nevanhu dare kuyananisa. Zvichida nokuti SP Zvinokoshawo kuva gwaro rinonzi "Sei kuva varombo. Mutungamiriri nokuda nechikwereti"

On mutemo chii rinofanira kubva?

The chikuru gwaro kuti kunokosha kuongorora, ndiye Federal Mutemo "On Insolvency (Bankruptcy)". kakawanda pamutemo chiito ndavhiyiwa kuchinja uye yakabvumira kugadziriswa kwemutemo wekuita, kuitwa yaiva mberi kakawanda. Izvi imhaka ndechokuti kuyananisa matare havana kugadzirira kugamuchira mafomu chokubuda. Zvichida havana kuziva mhinduro yomubvunzo wokuti sei kuva varombo Nat. chiso. Sezvineiwo, murayiro kunyorwa kwenyaya uye muna October nayo akapinda simba gore rino. To musi, nhamba nokuda kwechikwereti vomuUmambo pamberi mabhanga Zvinogumbura: ose wechipiri Russian ane chikwereti kuna zvikwereti masangano zvinopfuura 70 zviuru rubles. Kana isu overenga sei zvikuru pamwe wakabura uwandu chikwereti, tinogona kunzwisisa kuti hakuna chikwereti mutengo iduku chikamu vagari. Ndinoda kutenda kuti mutemo mutsva kuchaita aivabatsira upenyu kwete chete vagari asiwo basa chikwereti masangano.

Bank - kusauka

An mubvunzo unokosha sei kuva varombo bhengi pacharo. Mhinduro yomubvunzo uyu nyore: kubhengi yave kubvisa rezinesi maererano ayo illiquidity zvemari. Saizvozvowo, kana kubhengi akaita kubvisa rezinesi, hachigoni bhizimisi rwezvemabhengi yakawanda, iyo inotungamira wayo kubviswa. Rakajairika zvikonzero revocation of rezinesi:

1. Usava kumhanya pamutemo dzemunharaunda yokudzora rwezvemabhengi mabasa.

2. Banks vakashumira kururama mushumo mashoko.

3. Musaita fanira kubhadhara uye nezvimwewo.

Mumakore achangopfuura, kudzora basa nhivi akasungirirwa zvakasimba, izvo zvakazoita kuti revocation pamusoro marezinesi, mabhanga mazhinji, ari Vol. H. Of zvakanaka guru, kushanda musika mari kwenguva refu. Zvinogona kutaurwa kuti CBR asinganzwiri nyasha munhu. To mukuru pamwero kubva itsva Central Bank gwara kunokanganisa vanhuwo vagari, vakanga Somuenzaniso, bhengi depositors kunyimwa rezinesi. Vanhu vazhinji vachiri haagoni kuwana mari yako, kureva. A. Bank kusauka nzira iri kwakatooma zvikuru uye mirefu.

Kuti tibatsirwe mutemo uyu

Zvinonzi kunzwisisa kuti apa nzira hazvirevi kuti akakweretesa vachakukangamwiraiwo chikwereti uye kukanganwa nezvazvo. Mukupesana, chikwereti achapiwa kuvharwa nokuda chikwereti pfuma. Chii anopa? Wokutanga mukana kutanga upenyu hutsva, t. E., Pasina zvikwereti, kufarira, nonoka kwezvikwereti. Chinhu chikuru - havafaniri kushivirira kushanya kubva vateresi uye pamahombekombe vashandi pamwe vanotyisidzirwa. Zvakanga zvakadaro sei nemabhangi avo chikwereti pamberi mutemo. Most yepamutemo nzira kudzorera mari mubhengi yakanga pakunamata kutaura pamusoro nechikwereti. Panguva ino, mutemo unobvumidza kuti kwete kumirira nguva apo akakweretesa rinotanga muitiro pachayo. Unogona kuenda woga uye uchitaura somunhu sauka munhu, achiratidza insolvency zvavo zvemari.

Havasi mabhanga vakaongorora mutemo mutsva zvinobatsira divi. Kunyanya mitemo itsva ndivo vanoshorwa kumabhengi akadzika mari chikwereti. Maererano nomutemo, kana kuti chikwereti ane rakasiyana pokugara, ipapo uitore muripo mutoro kubhengi hazvibviri. Kwekutanga Lenders vaigona kutarisira kuramba mubayiro wacho chikwereti kana pensions. Zvino zvose zviri kugadziriswa chete kuburikidza nzira chikwereti 'pfuma.

Chokwadi, pemahombekombe havadi kumira parutivi uye kutarisa sei mari yavo inopedzwa hadzichazikamwi apo uye kudzokera navo hapana ari kuenda. Saka vanotarisira mabhanga kurera mubereko rates, tightening zvaidiwa anokwereta, uye zvinokwanisika kuti achauya pamwe pokunzvenga napo itsva kuwedzera pane chikuru siyana Kushivirira sezvo mamwe rwezvemabhengi mabasa. Saka, kuwana nyore chikwereti haisi kuoma, asi kunobatsira.

Saka, murayiro mutsva zvikuru zvakanaka kune vagari. Maererano nevaongorori vakawanda, mutemo mutsva aiva anokurumidza nechiyero, t. To. Russia haisati yagadzirira chakadaro yakakura mhinduro yacho dambudziko pamwe ngava, vanhu vazhinji akaumba zvakaipa mafungiro awo chikwereti mitoro. Uyezve, mutemo yekudyidzana zvarinoita zvido chikwereti. Hazvina zvakafanira kuramba kuti mutemo mutsva vazhinji vachava sezvo "kufema mhepo", vachibvumira kutiza kubva padandemutande zvikwereti uye kutanga upenyu hutsva pasina kuwedzera pfungwa.

Zvakaipira kusauka

The kusauka nzira ine chokwadi Migumisiro. Asi vaya vane guru zvikwerete chikwereti, zvinokonzerwa izvi zvingaita sezvinoita nyore zviduku, uye mubvunzo "sei vari kuenda kusauka?" Hazvina zvikuru kushanda.

Chii chinobatanidzwa mu pamazita migumisiro:

1. Kusakwanisa akazivisa kusauka inotevera 5 years.

2. haugoni kushanda mune rekuva maneja kwemakore matatu.

3. Matambudziko Nokutsiva zvikwereti zvitsva.

Kana kutarira zvinhu Ukuwo, hapana chakaipa nemigumisiro izvi imomo. Kunyanya vaya vane zvikwereti zvinopfuura 500 zviuru rubles. Achitaura zvapedzisira pfungwa ndewe kusimbisa kuti atore chikwereti, hapana anorambidza. Just kana kunyoresa wake kunyevera kubhangi kuti mukwereti kwapfuura nzira iri mubvunzo. Dzinoratidza chokwadi ichi chinofanira kuitwa mukati 5 years.

Zvinofanira vakafunga kuti kunyange kana anokwereta asingadi kunongedzera kuti pemahombekombe chero zvazvingava vachapiwa vakagadzirira pamwe Database pamusoro vanhu achirapwa kusauka zvekufamba. Regai kutya uye funga kuti kusauka ichakanganisa chikwereti nhoroondo. Kana uchifunga izvozvo, uye saka iye wakashatiswa nokuda mukupera mubhadharo yechikoro. In ichi hunenge chikwereti nhoroondo haasi hwogumisa mimwe mikana kuwana zvikwereti. In nemhaka mutemo, vagari vakawanda kuonekwa sezvo sauka payers. Zvakaratidza kuti nokukweretesa kunongova hapana. Nokuti mabhanga zviri nani chaizvo. Chokwadi, vaviri makore vacharamba kumirira, zvichida, pashure chemhosva zvikwereti zvose mugari anongoti haadi kukwira kunyika chikwereti mumusungo. Kunyanya vazhinji achiposa masangano akadai zvitsva zvokukweretesa masangano, mari uye wakabirwa chikwereti nhoroondo nyore uninteresting. Vanopa mari pasina zvinetso. Ongorora zvinogoneka kumaonero chokuita kusauka mutemo, ndinoda kudzokorora kuti, asati kutora chikwereti anofanira kuongorora nezvaanogona dzavo uye zvavo kudiwa kuzvigamuchira. Kunyanya munyika umo kazhinji kusagadzikana zvemari, zvakakodzera kutarisira chero mhando muzvikwereti pacharo, kwete kuva nhamba sauka chikwereti munguva yemberi.