Investment Kuyamikira msonkho - ndi ...

Pa nthawi, pali pafupifupi palibe magulu sangagwiritse ntchito mu ntchito yawo anabwereka ndalama kwa wamakono wa ulimi, kubwezeretsanso likulu ntchito ndi zipangizo. Ngongole zambiri anapangidwa mabungwe banki a mitundu yonse. Komabe, pali mtundu wapadera wa ngongole, mothandizidwa ndi zomwe n'zotheka kuthetsa vuto la kusowa kwa ndalama. Tikuyankhula zokhudza chodabwitsa Kuyamikira ndalama msonkho. Iwo kuthamanga ndi boma. M'pofunika kudziwa chomwe icho chiri.

makhalidwe General

Malinga ndi Tax Code anavomera mu Russia, ndi ngongole ndalama msonkho - si ngongoleyo, ndipo ngati malipiro mtsogolo. Iwo sapereka chiphaso lenileni la ndalama bungwe, koma kupanga mphamvu misonkho kuti boma kakang'ono kwambiri. zinthu kukongoza ali makamaka mobwerezabwereza mavuto akutenga ndalama ali wosindikiza mabungwe osiyana ngongole, ndicho mabanki ndi mabungwe katundu. Ichi ndi pangano ndi boma la dongosolo la.

Monga ngongole ochiritsira banki, Kuyamikira ndalama msonkho zikutanthauza kuti pali ena nthawi ya ngongole, pamene izo mlandu chidwi, nthawi zambiri iwo ali ochepa, komanso masiku a alipire. Komanso, mgwirizano anatsimikiza ndi udindo katundu omwe sanali malipiro ndi imapereka chitsimikizo kuti ntchito zawo zidzakwaniritsidwa mwa onsewo.

Features

Nthawi zambiri, mangawa msonkho zasonyezedwa osati makampani akuluakulu-kakulidwe, komanso mabizinesi ena amene amafunika chithandizo pothetsa mavuto ndi ndalama bajeti. Komabe, chuma msonkho Kuyamikira - ndiyo zizipezeka kuti mabungwe alamulo. Mbali imeneyi ndi mfundo kreditozaemschika katundu udindo kwa ngongole ya. bungwe achoke chuma onse cikole, ngakhale popanda chigamulo. Ndipo kumana ndi nzika wamba katundu wake ndi zosatheka zikufanana. The Civil Code zodziwika bwino mfundo zokhudza umoyo wa chuma payekha, makamaka ngati kuli koyenera kuti kukhazikikamo.

cholinga Loan

Msungidwe ngongole msonkho mwina apatsidwe ku gulu, mwachitsanzo, kuthetsa msonkho ndalama. Ngati kuphwanya mfundo za malipiro ake a boma nthawi zonse ankachita kuwakakamiza zosiyanasiyana ziletso, zilango ndi ndalama. N'chifukwa chake pofuna kupewa ndi kulipira kwa Zachuma kwambiri kuchuluka kwa ndalama chofunika kuti kuphwanya mfundo za malipiro a misonkho. Kuyamikira Investment msonkho angagwiritsidwe ntchito ngati mndandanda wa zolinga amene walandiridwa chisamaliro cha boma. Pamodzi ndi msonkho pa phindu ngongole kwa ndalama bajeti dera ndi makonsolo.

zotsatira

Kuyamikira Investment msonkho, komanso ena a mitundu kukongoza, ndi limagwirira awo enieni kanthu chimene bungwe ngati tatchulazi, akhoza kuchepetsa malipiro kwa nthawi yapita. A ubwenzi contractual pakati pa zipani zikakwaniritsidwa pamene kuchuluka kwa misonkho yosalipidwa adzamasulidwa pa mlingo ofanana ndi kuchuluka ngongole. mgwirizano amenewa ndi maonekedwe ngati boma chilolezo ngongole iliyonse. bungwe alibe ufulu kuchepetsa malipiro kalekale. boma kudziikira malire a 50% kuchuluka okwana msonkho sonyezani zinthu zachilendo. Kuyamikira Investment msonkho kupereka kwa chimango nthawi, chikhalidwe cha ngongole zina zonse. Ndipo apa tikukamba za malonda kwambiri kubanki. The ngongole ndalama msonkho mwapatsidwa kwa nthawi ya zaka 1-5. Nthawi iyi zokwanira kuthetsa mavuto azachuma a bungwe.

ntchito makamaka

Investment ngongole msonkho angaperekedwe bungwe lirilonse, pamene pali milandu pamene kampani amalandira nthawi zina kapena imfa ayenera kulipira zochepa msonkho kuposa kuyembekezera. Pankhaniyi, otchedwa ngongole owonjezera. Kuchokera pamalo lophweka kulowa - ndalama zonse mukufuna kusamutsa kwa nyengo yotsatira.

Ngakhale kuti ndalama msonkho ngongole mwina apatsidwe kwa nthawi ya zaka 1-5, nthawi yonse iyi, akuluakulu a msonkho m'malo mosamalitsa ankalamulira gulu kuti chikalata izo. Sitiyenera yekha kukonzekera olimba kwambiri kulungamitsa kufunika kuchepetsa zoterozo mu mulingo wa ndalama msonkho, komanso kupereka mu ngongole ya zofunikila malipoti pa kukhazikitsa ntchito ndalama. Komanso, bungwe Adzayesetsa nthawi ndi nthawi onetsetsani msonkho, pafupipafupi kuposa masiku. Ichi ndi zachilendo, chifukwa boma umalimbana ziyang'aniridwe la ndalama kuchokera bajeti.

Ndi ovuta ndondomeko

The ngongole ndalama msonkho ndi mpata wabwino kwa wokhoma mwa nthawi analola kuchepetsa msonkho malipiro awo pamlingo winawake, m'tsogolo mwa magawo kulipira osati ngongole komanso chidwi accrued pa izo. Mtundu wa ngongole lilipo chifukwa msonkho, komanso ena m'deralo ndi dera.

Msungidwe ngongole msonkho mwina apatsidwe kwa mabungwe msonkho. Pankhaniyi, bungwe, izo, ali ndi ufulu kuchepetsa msonkho malipiro awo pa nthawi ya mgwirizano. Kuchepa adzakhala amapangidwa kuti msonkho chogwirizana iliyonse malipiro. Chitani izi kwa nthawi yaitali ndalama si lolipiridwa ndi kampani chifukwa kuchepetsedwa zimenezo, wofanana ndi mtengo wa ngongole, amene anapatsidwa pansi mgwirizano. Chikalata amapereka kwa mbali zonse zokhudza dongosolo enieni kuchepetsa ndalama msonkho.

mapangano angapo

Ngati kampani ali mapangano angapo anamaliza kwa lolingana nthawi ngongole ya unali woyenerera pa nthawi ya malipiro lotsatira Sichinatsitsidwe anatsirizika, aliyense wa iwo, anapeza ndalama za ngongole za kudzayesedwa payokha. Ponso mu nkhani iyi ikuchitika kuti, kuyambira ndi mgwirizano, umene linapereka kuika loyamba malire pambuyo kuchuluka pa chikalata mu bungwe adzatha kuonjezera kuchuluka anapeza kuti mgwirizanowo lotsatira.

Ngakhale kuti ndalama msonkho ngongole mwina apatsidwe kwa msonkho, kuchuluka sangathe kupitiliza theka kuchuluka okwana msonkho. Ngati kuchuluka kwa ndalama pa ngongole ya kuposa 50%, kusiyana ndalama zimene munalandira ndi kololeka pazipita umasamutsidwa ku nthawi yotsatira ya mapangidwe mawu. Kukachitika kuti kwa makamaka nthawi malipoti, gululi lakhala anali zomvetsa chifukwa cha ntchito, pamene ubweya anapeza ndalama umasamutsidwa ku nthawi yotsatira, koma pa nthawi yomweyo imazindikira anasonkhanitsa ngongole kuchuluka mu nyengo malipoti choyamba.

Ndani angathe?

Malinga ndi Article 67 ya Tax Code ndalama msonkho ngongole mwina apatsidwe ngati kampani likumanenso zina zofunika:

- Gululi chinkhoswe kafukufuku, ntchito zachitukuko kapena luso kukonzanso zida za ulimi wake, kuphatikizapo umalimbana mapangidwe ntchito kwa anthu olumala, komanso kuteteza chilengedwe asaipitsidwe ndi zinyansi mafakitale. Imeneyi, Kuyamikira ndalama msonkho zilipo kwa ndalama zimene ndi 30% wa mtengo zida anagula zolinga zonsezi.

- Kwa magulu amene nzeru kapena luso ntchito, kuphatikizapo chinkhoswe mu chilengedwe cha atsopano kapena kusintha njira zamakono ntchito, kulengedwa kwa mitundu yatsopano ya zipangizo kapena zipangizo. Pankhaniyi, Kuyamikira msonkho ndalama zingakhalepo pa ndalama kuti negotiated bungwe ndi thupi ovomerezeka.

- Kwa magulu amene zikugwira kukhazikitsa malamulo a chitukuko umoyo ndi zachuma kufunika makamaka, komanso kupereka zofunika kwambiri anthu wamba. Pankhaniyi, kuchuluka ngongole adzamva anatsimikiza chifukwa cha pangano maphwando.

contractual mzera

Mgwirizanowo kapena kugwirizana kwa ngongole chofunika kuti muli ndi zinthu zotsatirazi:

- dongosolo, motero, amene adzakhala ndichepe malipiro msonkho;

- kuchuluka kwa ngongole ya;

- nthawi n'loonadi;

- limasonyeza msonkho umene mwapatsidwa pa ngongole anafotokoza;

- kuchuluka chidwi kuti adzakhala udachita kuchuluka kwa ngongole ya;

- dongosolo la alipire;

- udindo wa zipani.

zikalata zokhudzana

Kuyamikira Investment msonkho sadzakhala apatsidwe ngati kuti apereke ngongole ya katundu kapena chikole pangano. Pa nkhani imeneyi kuti chofunika kutsatira zikalata mgwirizanowo pa chuma, limene lidzakhala nkhani ya chikole. Komanso, mgwirizano ayenera mwachindunji chakudya kuteteza zochita zake pa kusintha mu malo kapena kugulitsa zida kapena onse pa chuma, ngati kupeza ndi imodzi mwa mfundo kupereka gulu anafotokoza ngongole ya.

anapezazo

Poyerekezera ndi makonsolo kapena dera msonkho kukhazikitsa zinthu zawo potipatsa ngongole ndalama msonkho. Pamene lamulo limeneli zololedwa anapereka zinthu zawo opereka ngongole ndi zifukwa, komanso kusintha kololeka nthawi chimango cha ngongoleyo lapansi.