Kurangwa nokuti mukupera kwokuripirwa utility. How kuverenga default mubereko

Maererano dzimba mitemo yose Russian Federation, mugari wose ari kugamuchira dzimba mabasa, anofanira kuripa mutengo wavo haisi pakutevera yapfuura paya pane rechi10 romwedzi, kana zvimwe inopiwa kondirakiti chinoguma basa kambani kana Nham. Kana muripo haana yakakodzera vanobhadharwa, iwe kutarisana accrual kuti marangirwo kuti mukupera kubhadhara kuti Magetsi nemvura.
Sezvo zvose zvinova anodhura zuva roga roga, pamwe kusingafadzi chinoshamisa zvakadaro, sezvo fines, Zvirango uye fines, kutarisana kakawanda. Naizvozvo zvakafanira kuti kubvunza sei kuverenga kukura marangirwo kuti mukupera mubayiro, uye zvichida zvachose kudzivisa ichi chisingafadzi chaiyo.

Kubhadhara zvose

Sezvatinoziva, noukama dzavose utilities uye nevatengi mabasa vaiva hurukuro reguta nguva dzose. Kukura nechikwereti utilities dzimwe nguva kunogona kuunza masangano kuhupenyu pedo kusauka. Izvi zvinonyanya kushanda nyaya nhasi, tichitarisa yose kuwedzera mitengo vose. Ndokusaka makambani kupa matunhu neminisiparati rubatsiro kune vakawanda, kuedza nzira dzose kuti atevere vatengi vavo, Vawane kubhadhara iri nguva, kana zviri nani asi - mberi purogiramu. Chimwe chishandiso akadaro kuripwa marangirwo kuti mukupera mubhadharo.

zvenzara nyaya

Maererano akazvimiririra nyanzvi, pfuurei 6% yevatengi vari ratyama chikwereti ari zvaiita. Zvisinei, kunyange iri nhamba sezviduku vavo havasi bhizimisi Pays yakawanda inopfupikisa mabasa. Uye chete inenge hafu chikwereti vasina mari anokwanisa kubhadhara zvikwereti nenguva, ukuwo chikamu ruvengo defaulters wechipiri rakanyatsojeka inokwanisa "Mukaverenga" mutoro utility, asi nezvikonzero zvakasiyana-siyana kwete kuita kudaro. Mumwe nemaune regai kubhadhara magetsi, gasi uye mapaipi, vachitarisira nokuti mweya vamwe mhando "zvichida", mumwe kunounza chepuraimari yokukanganwa. Zviri pamusoro nemakasitoma izvi, nechirwere "zvemari kuoma dzimwe nhengo dzomuviri" kuri zvirango vane yakanakisisa zvazvinoita. Ukuru Zvirango kuti mukupera kubhadhara zvinowanzoitika ndezvokuti, yekudyidzana overpaying kamwe, hereinafter "zabyvashki" kutanga kunyatsoongorora kuongorora timeliness kuti muripo.

Haufaniri kubhadhara? Unofanira kuzvidzwa!

Kazhinji, ari kupedza okutambirwa abhadhare zvaiita - ndiro rechi10 romwedzi kutevera kugarwa, kunyange dzimwe nguva munhu zvibvumirano dzimwe HOAs angamira mumwe musi. Zvisinei, kana nguva "X" pamusoro pakutengeserana enyu arambe vasingabhadharwi, ipapo mangwana vachangoerekana vanotanga -bereka chirango. Naizvozvo, kukura marangirwo chokunonoka pakupedzisira anozova yakareba, asi ukaramba Dodge zvizere mutsividzo chikwereti. Pfungwa, hapana chikonzero ngaaverenge chitsama akanaka woga, uchine risiti, umo marangirwo achaiswa dzakanyorwa, asi achiziva nheyo dzayo kukarukureta, unogona kaviri-tarisa mugumisiro. Kana uine chinhu haribvumirani, zvinokwanisika kupikisa zvaiitwa basa boka iri mudare uye kupa kukarukureta dzavo, uyewo uchapupu kuti iwe wakava zvikonzero zvakanaka nokunonoka.

How zvimwe itibatsire nechikwereti

Kuwedzera kune Zvirango kuti kunonoka kubhadharwa, kuti utility anogona kushandisa zvimwe zvirango. Kana musingadi kubhadhara mabhiri wenyu dzinenge mitatu, kugadzirira kuti imi "kugurwa" chiedza, mvura uye gasi, zvarwo, zvose zvinhu murege kubhadhara.

Pashure pemwedzi mitanhatu, kambani, ari mutengesi anekodzero kushandisa kudare kuti vatevedzere zviri chikwereti. Panyaya iyi, chisarudzo ingangova kwete nyasha dzenyu, uye iwe uchava kusangana pamwe bailiffs, ndiani akaedza kubvuta pfuma uye bhangi dzako nyaya.

Kana mukuru wechikoro uye mubereko pamusoro chikwereti kuti Magetsi nemvura zvichaita kusapfuudza pachikumbaridzo 10 zviuru. P., The defaulter vachava nezvinetso achinyora kunze, uye kutengesa midziyo, kuvaremedza zvikwereti, hazvishandi.

Zvakanaka, asi zvikuru kwazvo kuona yakaipa defaulters chinhu vakamanikidzwa kudzingwa. Kana nechikwereti anogara matunhu neminisiparati dzimba, chisarudzo dare nayo kungadiwa kuti kwokumbosiya nokupa panzvimbo imwe, panguva mwero 6 mamita ² pamunhu.

Sezvo dzakava Zvirango kuti mukupera kwokuripirwa utility

Vaya mukusaziva kubata kune basa boka ravo vaite mari, unofanira kuziva kuti akanaka anofanira kunzi rimwe zuva vasiri kuripwa akaisa muripo.

Kuverenga mubereko kuti mukupera kubhadhara zvinokosha kuziva 3 zviratidzi:

• uwandu chikwereti;
• Nhamba mazuva kunonoka, kusanganisira zuva mutsividzo;
• CBR refinancing zvazvingava (chete nhoroondo) panguva kukarukureta.

Saka kure, ukuru fines akafunga somunhu matatu-ramazana pamusoro dhisikaundi mwero Central Bank rimwe zuva kunonoka muripo. Kuti tinzwisise sei kuverenga default mubereko, unofanira zvose pamusoro zvinoriumba vari aiswe fomura:

N = Cs X D X CP / 300

• N - yakawanda mutongo (fines);
• Cs - yaipedzerwa bhadharika hworudzi urwu mubhadharo;
• D - nhamba - Number mazuva nonoka mubhadharo;
• Avhareji - the refinancing mwero Central Bank mumigove (.. Ie, kudiwa chimbadzo yakakamurwa 100%); panguva ino nguva, zviri 8.25%, izvo zvinoreva kuti coefficient akashandiswa kuverenga zvinotevera: 8.25% / 100% = 0,0825.

Yambiro! Kana dhisikaundi mwero (the refinancing mwero) kuchinja munguva izwi chikwereti, dzemaitirwe yaifanira aparadzane nomumwe nguva - pamberi kuchinja uye pashure pacho.

Financial "kiyi"

Vasati kuverenga default mubereko, mari asi zvakare zvakajeka musiyano maviri prices of Central Bank - uye anokosha nhoroondo. Kana rokutanga rinoshandiswa kuti kuverenga dzakasiyana-siyana fines uye Zvirango, wechipiri inoshandiswa kudzikamisa rwezvemabhengi gadziriro yose. Nechekare kubva 2016 Central Bank of Russian Federation anoronga inofananidza pfungwa mbiri idzi, asi kusvikira anoreva zvakasiyana zvachose.

Hazvina kusagadzikana waivako kiyi zvazvingava chamuita kuti nhokwe - zvainzi zvainge zvakafanira ichi yekudyidzana zvakawedzera uwandu fines vaya vasingagoni kubhadhara magetsi, yokurasa marara uye mvura nenguva nenzira. Zvisinei, kukurukurirana kwakadaro havasi pasina nheyo. Asi izvi hazvirevi kuti "zabyvashki" anogona kufema nyore.

The "ndapota" gore ano

Maererano Mitsara vakuru Russian, muna 2015 dzemaitirwe kuti marangirwo kuti mukupera muripo vachaitwa nenzira itsva nzira. The Housing Code achaitwa Akave nokuvandudza pamusoro refinancing mwero Central Bank. Zvino, nokuti kukarukureta munhu yakanaka kwete kushandisa mazana matatu chete stosemidesyataya kubva kukosha kwayo. Saka, ukuru fines uye marangirwo zvichabviswa yakawedzera vanenge hafu, uye vaya hanya nenguva kwokuripirwa Magetsi nemvura, achaita Uyezve mari kupfuura 17% pa annum hwemashoko chikwereti, izvo akafanana avhareji bhengi chikwereti.

Zvisinei, yakabvumira kugadziriswa kwemutemo wekuita itsva nomutemo hapana yakanaka nguva - zvino deviators kupiwa zvakawanda 3 months kuitira kuti nokuzvidira kubhadhara chikwereti. Pena kukarukureta chichaitwa kubva pakutanga, uye pamwe 91-zuva kunonoka muripo.

How kudzivisa Zvirango kuti mukupera kwokuripirwa utility

Mhinduro yokutanga uye inonyanya musoro ndiko pachena - mari yacho iri nguva. Asi dzimwe nguva pane mamiriro ezvinhu apo ichi hazvibviri. Kana musingadi chete utility mutoro kutsungirira nokuti kuti iwe kutura mari kana iwe vakafirwa basa rako uye zvose, unogona kuronga subsidy. Uye kana musingadi kuti muripo uyu nomutemo, rinogona chinoguma basa Provider Munhu chibvumirano kana okuwedzera chibvumirano kupa kugadzirisa kana munhu nokuripira purogiramu.

Kana uchizopa rwendo rurefu kana chete vakasarudza kupedza zhizha munyika, unogona kutaura basa boka pamwe yakakodzera chikumbiro, pahwaro yamakati vachaitwa recalculation. Kana usingade kuzvitsaurira mudonzvo kuti kambani kuti furati wako chinhu kwenguva refu, iyo recalculation chingaitwa kudzoka kwake. Sezvingatarisirwa, izvi muchafadzwa kupa boka magwaro achisimbisa kusavapo kwenyu. Zvinogona Gwaro kufamba, gwaro zvokurapa, tikiti kune dzisina uye zvichingodaro. Zvinofanira kurangarirwa kuti zvinokwanisika kuti recalculate chete mugove Magetsi nemvura chisingazivi chokuita obschedomovyh mabasa uye kudziyisa, sezvo vachibhadhara izvi zvichava yakafanira zvisinei kuvapo kwenyu mufurati.