Kodi kupanga siginecha. kukonzekera malisiti Zitsanzo

Ngakhale tsopano kupeza banki ngongole kapena microcredit gulu sizikupanga vuto, anthu ambiri amakonda ngati pakufunika kubwereka ndalama kwa achibale. Ndizomveka malonda amafuna kuchitapo kanthu, kupereka onse a zikalata, ndiyeno wina, ndipo anakakamizika kubwera pamodzi ndi yaikulu kuchuluka kwa Malipilo ngongole ntchito ndalama. Agwilitse chimodzimodzi ndi abwenzi, izi ndondomeko yonse malamulo tingalisiye, ndi peresenti ya anthu pafupi ndi kulipira si chofunika. Komabe, pamaso panu kubwereka ndalama, aliyense wokongoza angathe ayenera kudziwa mmene kulemba chiphaso. Si aliyense amene ali chikalata chikalata akhoza anagonjera akuluakulu milandu kwa deta ngongole.

chiphaso

Cash ngongole unprofessional ali pafupifupi onse a anthu ena kupereka ngongole kwa achibale, wachiwiri - anzake. Pamene chiwerengero cha ngongole ndi ang'ono, ndiye zipani kugwirizana pakati pawo pa nthawi ya kubwerera wake, zambiri amapezeka mu mawonekedwe m'kamwa. Koma ngati kuchuluka waukulu, ndiye kuti tchinga mavuto awo, wokongoza liyenela wamangawa chikalata zikalata mwambo kulanda ndalama ndi udindo kubwerera iwo. Choncho, anthu ambiri kukanikiza funso: "Bwanji Mng'oma chiphaso mwalamulo olondola"

Mgwirizanowo kapena chiphaso?

Anapanga chiphaso wake ndi pangano ngongole kwenikweni mosiyana. yotsirizira Nthawi zambiri pakati pa nzika wamba, pamene kuchuluka kwa ndalama linachokera lalikulu kwambiri. Ndiyeno amafuna kukafola chikalata ichi ndi odziwitsa lapansi. Mosiyana ndi chiphaso cha pangano ngongole Nthawi zambiri pa nthawi imene ndi m'kamwa pangano zosasangalatsa zotsatira zoopsa wobwereketsayo, ndalama sanali kubwerera, ndi pempho kwa odziwitsa kosathandiza chifukwa kuchuluka waukulu kwambiri. Siyense loya adzatiuza kwaulere bwanji kuti chiphaso ndalama, chifukwa ndi yopindulitsa kwambiri kuti umboni pangano ndi kupeza ndalama pa izo.

maziko malamulo

The malamulo feduro wapereka mwayi wosonyeza kuti mfundo mochita ngongole kwa wokongoza kuti wobwereka lapansi. Makamaka Nkhani 808 wa Civil Code limanena kuti pangano ngongole anamaliza pakati pa nzika, ayenera kulemba. Komabe, n'kofunika amangonena za wotuluka anthu, Uwerenge amene ali maulendo oposa khumi kuika pa nthawi ya ngongole ya malipilo yochepa (SMIC).

Komanso, malamulo a boma anakhazikitsa kuti ngati ngongole ndi ngongole sizikupanga chikalata oterowo kulembedwa, pangano sati anazindikira monga kudwala, koma pa nthawi yomweyo, wokongoza sadzatha kudalira umboni wa kukhoti. Iye ayenera kuyang'ana kwa ena umboni wina olembedwa.

Kupewa mavuto amenewa, chikalatacho n'kosavuta kulemba, kenako bwanji kuti alembe IOU, akhoza kundiuza ndi loya odziwa.

Zolakwika zina zodziwikiratu pokonza chikalatacho

Kudziŵa kulenga ndi IOU, adzakhala kwambiri ntchito ndondomeko milandu zinachitikira sanali alipire ndalama, chifukwa kulenga bwino chokongoletsedwa mavuto zosafunika ndi zopinga mu Kuthi malamulo.

Chimodzi mwa zonse zikuchitika musanyalanyaze nzika pokonza chida ngongole zili m'munsimu.

wobwereka individualization

Chimodzi cha zolakwa, pamene chikalata si kwathunthu individualizes wobwereka. Mwachitsanzo, ngati chiphaso anati "Ine Sergeev SERGEY, analandira ndalama za kuchuluka kwa 80,000 rubles. ndi Andreeva Andreya ... ", bwalo angapemphe, kodi kuti Sergeev SERGEY, osati ena. Mwina chiphaso analemba Sergeev SERGEY Petrovich, ndi wokongoza amafuna ndalama Sergeyev Sergei Sergeyevich? Pankhaniyi, likhoza kuthandiza azamalamulo cholembedwa bwinobwino chimene chimafotokozera chikalata. Komabe, Kupenda aliyense zimatenga nthawi ndipo ndithu, choncho n'zosavuta kukhala ndi maganizo pa momwe kulemba chiphaso wabwino ndi opereka motsatira malamulo osati pambuyo kupulumutsa nthawi ndi ndalama chifukwa cha zolakwa. Tikumbukenso kuti zolakwa za mtundu uwu ali makamaka opezeka anthu amene cholukanalukana pa ubwenzi (mabwenzi abwino kapena anzawo), kapena pakati pa abale. Chifukwa cha moyandikana kawirikawiri amaona wokongoza olembedwa chikalata ngati mwambo wina.

Kumasonyeza deta wokongoza

Mavuto, pakalibe analemba, deta wodzala wobwereketsayo. Choncho, ngati risiti kwalembedwa mu fomu iyi: "Ine Sergeev SERGEY Sergeevich, analandira ngongole ndalama kuchuluka kwa 80 000 rubles. Ine ayambe kubwerera kwa March 3, 2016 ". Izi njira silimanena wokongoza amene anapereka ndalama, wakupatsa mwayi borrowers oipa anauza anthu m'khoti kuti chiphaso anapatsidwa kwathunthu kwa munthu wina. Zikhoza kubweretsa pa chiweruzo cha mmodzi wa achibale ake, amene anatsimikizira kuti kukongoza Ivanov, ndipo kenako anasiya polandirira msonkho. Onani zonse lathunthu deta ndikupeleka ophunzira kuthandiza kupewa mavuto, ndipo ngati ngongole sadziwa kuti apange IOU, chitsanzo cha angapezeke mosavuta zokwanira.

Pakalibe kutengerapo ndi

Pali milandu imene wokongoza ndi okhutira ndi chiphaso cha, chokongoletsedwa ngati izi: "Ine Sergeev SERGEY Sergeevich, anagwirizana ndi Andreevym Andreem Andreevichem kuti lomalizira ine ndalama kuchuluka kwa 80 000 rubles." Kusadziwa mmene kulemba chiphaso, ndi wokongoza kuganiza sangatero, kuti pa mlandu wa ngongole akulengeza kuti ndalama si analandira ndi chiphaso chikalata yekha kuti cholinga cha kuti tagwirizana. Koma kwenikweni, mu chiphaso Unknown mfundo za ndalama wobwereka.

Padzakhala kudalira mwina umboni zoonjezera kapena mwadyetsa la khoti. Koma si chakuti bwalo kuti mbali wobwereketsayo. Ngakhale yotsirizira mungafotokoze motani mfundo yakuti iye ankati sankadziwa mmene kulemba chiphaso, chitsanzo cha chikalata ngati iye akanakhoza kupeza, khoti amawaona kuti zonena umboni.

Kupanda cholinga

Kungakhale ndi zotsatirapo zoipa kwa wokongoza ndi chikalata chikalata motere: "Ine Sergeev SERGEY Sergeevich analandira kuchokera Andreeva Andreya Andreevicha ndalama wokwanira 80 000 rubles." Monga Tingaone lemba zikutanthauza kuti ndi ndalama zimene maziko Sergeyev iwo. Pa mayesero, mwina ndifotokoze kuti ndalama imeneyi inali iye ngati malipiro anagulitsa pamaso chinthu ichi mwina, ambiri, anapereka. Ndipo wokongoza sadzatha kutsimikizira chikalata ngati kuti chapangidwa ndi ngongole, osati malipiro chinachake. Ngati funso lakuti: "Bwanji Mng'oma chiphaso" - mwapadera ziperekedwe malangizo cholinga kulanda ndalama, ndiko kuti ngongole zonse.

zolakwika zina wamba

Pakuti mphulupulu ena obwereketsa amene sakudziwa mmene ndalama chiphaso zingaphatikizepo monga kujambula kompyuta anamasulidwa, kenako affixing siginecha ya wokongolayo. Mu nkhani ya kukana mwa yotsirizira lomwe siginecha cholembedwa Kupenda milandu onse athe kudziwa mwiniwake.

Anthu chidwi ndi momwe kuti chiphaso zifunika, kuwonjezera, kuzindikira kuti chiphaso - chikalata. Mwina mpukutuwu sikuloledwa kudzudzulidwa, erasures. Choncho ngati mu chiphaso anapanga zinawafutapo amenewa, kuwoloka kuchokera kuchuluka ndipo amasonyeza osiyana, kusintha zina zili ziyenera negotiated ndi zipani. Pafupi wina ndi kukonzedwa muyenera kuika anasaina awo, ndi bwino kulilembanso chikalata kachiwiri.

Ngakhale ena mokoma momwe apange IOU. Mpukutuwu ayenera mwachindunji nthawi ya alipire ngongole, ngati n'koyenera, cholinga cha popezera mpata (ngati n'kofunika ngongole), malipiro kapena ufulu ngongole, ndiye ngati wamangawa kulipira chidwi ntchito ndalama.

mawu owonjezera

Komanso, inu mukhoza mulinso mu chiphaso cha kupereka chilango ndi vuto la kuchedwa mu obwezeredwa, amene angathe kuposa kuchepetsa ndi zomvetsa wa wobwereketsayo ngati wobwereka kungakhale kulakwa.

Ngakhale kwa wokongoza wolakalakika monga chinthu mikangano Yuda. Choncho, malamulo a boma anakhazikitsa kuti amanena kuti ayambe ndalama kuonedwa ndi bwalo pa malo okhala wozengedwayu. Ndipo ngati woyankha anapita ku mzinda wina, kupanga polandirira msonkho? A chitsanzo cha mfundo angathe kumwedwa kwa mgwirizano uliwonse. Kwenikweni ake kwagona kuti zipani ayenera kukhazikitsa ulamuliro kwa kusankha pomweo a (ngongole) kapena bwalo iliyonse ya mzinda winawake.

Onani zinthu izi ndi zofunika kwa wokongoza, koma ajombera sikumangotikhudza zotuluka pa chikalatacho.

Yoyenera yokonza chikalatacho

Kotero kuti adzimvera, ndipo poganizira angongole onse zolakwa zofala, komabe n'kofunika kufotokoza, kulemba chiphaso. Zitsanzo malisiti, pansipa, adzathandiza anthu ambiri sindikumvetsa izi obwereketsa funso savutika zomvetsa ndi kutaya ndalama zawo.

"1 December, 2015. Ine Sergeev SERGEY Sergeevich, 01.01.1990, anabadwa mu Moscow, mndandanda 1234 №123456 chikalata pasipoti apolisi dipatimenti ya chigawo Tsentralny wa Moscow 05.05.2008, akukhala pa Arkhangelsk, up. Gogol, d. 25, Q. 25, analandira ngongole kwa Andreev Andrei Andreyevich, 01.02.1991 kubadwa, mndandanda 4321 №654321 pasipoti chikalata Police kumpoto District wa Arkhangelsk 17.09.2009, akukhala pa Arkhangelsk, up. Gogol, d. 25, Q. 26, ndalama kuchuluka kwa 80,000 (eyite zikwi) rubles. Ndalama analandira mwa kulemba chiphaso. Ine ntchito kwa malipiro anauza June 1, 2016. Siginecha, dzina. "

Anagonjera nyemba ndi mawu omveka bwino a mmene kulenga chiphaso kuti izo ziyenera adalionetsera kuti okhwima. Ngati kuchuluka ioneka kapena wokongoza akungofuna kuphatikizapo zinthu zina, chiphaso angathe wodzilemekeza ndi iwo, koma inu mukhoza kupanga zabwino pangano ngongole. Mulimonse, malangizo malamulo siyingawapweteke.