The mutero migumisiro mubereko isina chikwereti pakati pamutemo masangano. Kuwana mubereko zvikwereti kubva pamutemo masangano

Interest-isina chikwereti - iri inozivikanwa pakati mumabhizimisi. Kutozosvikira munguva ichangopfuura, mafungiro yomutero zviremera mubvunzo uyu unequivocal: mukweretesi vanosungirwa kubhadhara mari mutero. Saka, chero reallocation mari mukati kunhaka vakava ngozi. Asi chisarudzo kumatare yakakwirira akaita zvinhu zvakanaka.

mwoyo

Sangano kazhinji kudiwa okuwedzera mari. Kwemabhizimisi ari vakabata kambani anogadziriswa dambudziko iri nokupa chikwereti. kwema zvakadai dzinoshandiswa sechikamu kuronga zvemari. Lenders nemari iri Grant hwaro. Asi izvozvo pachibvumirano mugamuchiri angavhundutsira kuzoita mari mutero (NPP).

The venguva Zano

Makambani kusika munhu repamutemo anofanira kugumisa naye zvibvumirano shoma. Izvi zvinoita kuti kambani nokukurumidza akamisa kushandiswa. Pamusoro okutambirwa kwemari musangano anogamuchira VAT "chauya". Izvi anopedza dambudziko kuziva kunobva kuripwa mutero, vari nyore kufukidzwa mari maburi. The rig mashandiro ari wakabudiswa sezvo chikwereti, uye W - kufanana mari redistribution Somuenzaniso, muchimiro chokuendesa muripo. Matambudziko kukonzera migumisiro isina chikwereti pakati pamutemo masangano, kunyanya VAT uye NPP.

pamutemo chengetedzo

Lenders dzinopa mari rubatsiro Mapato vanoshaya. The chikwereti inozviita kubhadhara huwandu iri yamunenge nguva. Saka mapato noukama pamutemo.

Terms of kutengeserana kunorondedzerwa kondirakiti. Rinotanga kubva nguva kuchinjwa chinhu (uwandu mari CB, mabhiri uye zvichingodaro. D.). Maererano Art. 809 of Civil Code, kuti kutengeserana vachangoerekana vava asiri kufarira, kana chinhu zvinhu.

requisites

The Chibvumirano anofanira kutaridzwa zvinotevera zvinhu:

• nguva uye nzvimbo yevasungwa yake;
• mapato ari kutengeserana (mazita zvizere boka, initials pakati havaoni);
• chidzidzo - mubereko-vakasununguka chikwereti;
• akadzika nguva uye nzira dzosera (anowanzodanwa kushandiswa redunhu pamwedzi kubhadhara);
• zvirango pakuparwa kunonoka mubhadharo;
• basa vemapato: zvinokonzera uye mamiriro ezvinhu kugumiswa chibvumirano, simba majeure;
• bhangi mashoko;
• vakasaina.

Zvakakosha chaizvo kuti kutarisa yakarurama pamusoro mapepa uye zvose. Welcome kuvapo ari kutengeserana gweta. Kana chikwereti inopiwa dzimwe mari, zvakakodzera zvinoenderana Gengi. Kana chibvumirano harinyatsotauri nguva mutsividzo mari, zvinofungidzirwa mukati memazuva 30 kubva musi chikumbiro.

Features

The chikwereti chibvumirano pakati pamutemo masangano (non-kufarira) zvinogona kubhadharwa mangwanani. akavhiyiwa izvi regai kukanganisa profitability pamusoro kutengeserana: The basa haisi mhosva. Saka, mune zano rakadaro anofarira zvikurukuru abhadhara. Asi kunyange pashure kubhadharwa chikwereti ukama vechikamu regai kugumira ipapo. Vachava kubhadhara yenyu zvakavakodzera. Ngatikurukurei muudzame mutero migumisiro mubereko isina chikwereti pakati pamutemo masangano.

Maererano Federal Mutero Service vanodavira kuti chikwereti reshiyo anganzi kuvapa finuslug. Asi vachibhadharisa pakuchinja achanyorwa mhosva. Free chikwereti mutero zviremera kunoitwa isiri uchishandisa mari muchimiro pfuma kodzero kana mabasa (Art. 250 NC). Uchimutarira kuti zvikomborero zvoupfumi rinoitwa musi mumwe dhisikaundi yevanhu pakati refinancing of Central Bank pazuva kana kubhadharwa mubereko-isina chikwereti.

chizvidavirire

Migumisiro mutero kuvimba muchimiro muridzi wacho kutengeserana vechikamu.

Repamutemo kuti vakawana kubva akakweretesa imwe mari, unogona zvino uise kugadzirwa. Ipapo mari izvi haangavi vanobatanidzwa mutero chawo. The kambani Haaiti mutero.

Kana chikwereti uye anokwereta - dzinongoitika vanhu, kuti hatisi kutaura pamusoro kuripwa mari. Kuwana mubereko zvikwereti kubva pamutemo masangano pasi kuripwa pachake mari mutero - 35% kubva 75% kuitika refinancing unodiwa.

Kubvisa Federal Mutero Service dzinofunga vanofanira kuratidza kuti chikwereti haisi basa, migumisiro izvo zvichashandiswa mukunamata basa.

zvinodiwa

Anokwereta anogona kuita repamutemo kuti:

• vanobvumirwa Panorama;
• ita kuti kushandisa mari yakagamuchirwa uchitanga, yekukubatsirai kondirakiti.

Akakweretesa anogona kuva zvebhizimisi, izvo sezvakarairwa, uye mutemo hauna wairambidza kupa mari nechikwereti. Kubva chete zvinoda vaiva chinhu. Nyaya chikwereti iri zvaitambidzwa akakodzera murayiro, asi nenguva.

dzokera

Time abhadhare chikwereti haisi nemutemo. Nguva iyi ndiyo kwakarongeka akakweretesa uye anokwereta uye kazhinji kunoenderana solvency ari yeboka iri kutengeserana wechipiri. Akakweretesa kungada yokuwedzera inopikira: rubatso pfuma rubatso mukutsirani kana wokuimba. Kubhadhara mari - zvinoita rwunoverengerwa zvizere mari kuti mutengesi nhoroondo. Kana paumbwe chikwereti mukati mwedzi (nguva muzvina) akakweretesa ndiye anogona kuenda kudare.

NK VS CC

The Mabatirwo mubereko isina chikwereti muna Mutero uye Civil Codes kunoratidzwa parameters dzakadaro:

• In yevagari murayiro chikwereti chibvumirano uye urongwa services - ava zvinyorwa zviviri zvakasiyana kuti hazvigoni kuenzaniswa. Panyaya iyi, kuchinjwa yesangano dzokushandisa rave zvakurukurwa nematare sezvo nourongwa pfuma.
• Service kuita kuzivikanwa, migumisiro iyo havana zvinhu mashoko. Urongwa mari haisi. Uyezve, mari inoshandiswa pamusoro chionekeso.
• Basa anoziva ngaamuitire kana anenge asina kunodiwa kuti uchatamisa pfuma womunhu anomukweretesa. Asi chikwereti chibvumirano yakapiwa nguva dzose kudzoka tsika.

inonyangadza

It zvinomutsa mibvunzo yakawanda nezvemigumisiro chisina mubereko chikwereti. Accrual mutero NPP rakatumidzwa kuziva mari mubereko. Asi Tax Code kuwana pfuma chete kunoitika apo pakuverenga pachako mari mutero. In Art. 212 rinorondedzera zvakajeka inofanira pakuverenga pokuunganidzira uwandu. This FTS wokuyera anoedza kushandisa kuti SPE. The mutero migumisiro mubereko isina chikwereti pakati pamutemo masangano ari muchimiro fines kazhinji zviri nharo zvaaitaura.

jurisprudence

Pasinei chokwadi kuti vakawanda kugunun'una pamusoro nyaya iri kwakagadziriswa tsitsi mitero, uwandu kutenda nokuda Federal Mutero Service hazvina kuderera kwenguva refu. Zvinhu zvakachinja apo Supreme kuyananisa Court rakapa mutongo nayo yakaratidza kuti Tax Code hakunganzi zvakanakira rokuponesa kuti kushandiswa vakakwereta mari sehwaro kukarukureta pamusoro NPP. kwacho havasi kuzivikanwa mabasa pakupomera VAT uye mari pasi chikwereti chibvumirano havasi kuwana gratis. Naizvozvo, asina kunaka migumisiro mubereko isina chikwereti kushoma.

nengozi

Anodei detailed pokukurukura kuvhiyiwa, umo mari yakagamuchirwa pasi chikwereti chibvumirano, kushandiswa kuti ape mubereko isina chikwereti pakati pamutemo masangano. The mutero Migumisiro kwema dzakadaro zvikuru.

Mari deductible nokuti kukarukureta pamusoro NPP, vakaziva zvose mari vari chakakonzerwa namaneja pakuita mabasa zvainanga kuita purofiti. Kureva, kufungisisa mutengo yokubhadhara yechimbadzo chikwereti zvibvumirano kusimbisa kuti kushandisa mari zvainanga generating mari. Zvakaoma kuita panyaya kwava kufarira-isina chikwereti. The sangano haagoni kufungawo mubereko pamusoro zvikwereti mu asiri uchishandisa mari. Kureva, mutero migumisiro mubereko isina chikwereti pakati nomutemo masangano vari kupikisa kwema zvakadai muna Federal Mutero Service roruvanze.

Issuance kuti IP midziyo

Pasi chibvumirano, anokwereta anowana zvimwe zvinhu kana mari uye vanosungirwa kudzokera kwavari pakupedzisira kwenguva. Kuzivikanwa mubereko isina chikwereti, nokuti iyo:

• Kunopiwa mari asingadi pfuura ka50 shoma mubayiro.
• Mumwe mapato kutengeserana havasi kuita upfumi basa. Zvinokwanisika kupa uchapupu kuti mukweretesi kuchitaurwa pasi chibvumirano zvinoreva kuti chaakapiwa Somuenzaniso, kubva kutengeswa pfuma.
• The anokwereta anogamuchira ukoshi nevamwe maitiro Generic.

The mutero migumisiro mubereko isina chikwereti pakati pamutemo masangano kurege kuitika kana gwaro ichapiwa kanenge shoma mwero kushandisa mari. Tinogona kugumisa okuwedzera chibvumirano uye kukutsigira, kuti mari shure panguva anokwereta achava kubhadhara Somuenzaniso, 1% chete annum.

Migumisiro haizogadzirisiki

Akakweretesa ane kodzero kudzoka mari kuburikidza dare mukati mumakore matatu kubva zuva rakatevera zuva raanotaura chibvumirano kukura musi. Kana izwi iri chikwereti - 5 makore, kuti litigation anogona ruchatambanudzirwa kusvika makore 8. Chete pashure iyi inogona kunzi nhoroondo bhadharika uye dzinoita kukura muzinda kukarukureta pakati NPP.

Kana anokwereta ose 3 years dzinotevera musi expiry rokuti, akakweretesa anotumira tsamba nyore kudzoka chikwereti, ipapo mutemo zvausingakwanisi asina apera.

Kwete kufungawo uwandu asiri kwokugara yesangano sechikamu taxable mari, iwe unofanira:

• yokuisa kunonyanyisa nguva mutsividzo of chikwereti;
• pashure parinowanika, uye pashure 2 years uye 11 months kutumira womunhu anomukweretesa tsamba yatambirwa muzvikwereti neposvo pamwe kudzoka chionekeso zvakumbirwa.