Kodi mungawerengere bwanji chilango cha msonkho? Tiyeni tione izi pamodzi!

Chilango ndi chiyani? Izi ndizo ndalama zomwe amakhometsa msonkho, amene amapereka ngongole mtsogolo kuposa tsiku lomalizira lomwe linakhazikitsa lamuloli. Chilango cha kuchedwa ndi kofunika kuonetsetsa kuti kukwanilitsidwa kwa nthawi yowonjezera kulipira msonkho. Mutu 122 wa Malamulo a Zisonkho ndi maziko a msonkho wovomerezeka wa ndalama. Kodi mungawerengere bwanji chilango cha msonkho? Mwachitsanzo, ngati simunalipire msonkho pa chifukwa china chilichonse, ndiye kuti chilangocho ndi mlingo wa magawo makumi awiri kuchokera pa ndalama zomwe simukulipidwa zidzawonjezeredwa. Koma ichi ndi chifupikitso, tiyeni tiwone zambiri ndikuganizira zitsanzo zenizeni.

Kodi molondola bwanji kuwerengera chilango cha msonkho?

Ndikofunika kudziwa kuti mosasamala kanthu kuti zilango zina zidagwiritsidwa ntchito kwa olipira, akuyenera kulandira chilango pa bajeti.
Mfundo yaikulu yowonetsera chilango ndizowerengera tsiku lililonse la msonkho. Tsiku loyamba ndi nthawi yomwe muyenera kulipira msonkho malinga ndi lamulo. Kodi mungawerengere bwanji chilango cha msonkho? Zomwe zimafunikira kuti muwerengere: kuchuluka kwa msonkho wowerengedwa, chiwongoladzanja cha chilango, chiwerengero cha masiku opitirira. Ku Russia, chiwongoladzanja chimawerengedwa chifukwa cha kuchepetsa ndalama zomwe zimaperekedwa pa nthawi ya kuchedwa. Tengani 1/300 gawo. Mkhalidwe uwu, mlingo wa refinancing uli 8.25%. Kotero, kuti tiyankhe funso la momwe tingawerengere chilango cha msonkho, timagwiritsa ntchito fomuyi: П = Д х Н х СР х 1/300, pamene PP ndi ndalama za chilango, СР - ndondomeko yowonjezeretsa ya Bank of Russia pa nthawi ya zochitika Kuwononga, N ndi kuchuluka kwa msonkho.

Ngati mtengo wa refinancing sunasinthe

Mwachitsanzo, kampani inayake LLC ya "Old Age" sinalipire msonkho wa msonkho mpaka pa February 1, 2013, yomwe inali yaikulu ya ruble 7500. Ngongole pansi pa msonkho umenewu inabwezeredwa pa March 29, 2013. Panthawi imeneyi, mlingo wa refinancing womwe ulipo ndi Central Bank of Russia ndi 8.25%. Chiwerengero cha masiku a ngongole ndi 57. Kodi kuwerengera chilango cha msonkho? Gwiritsani ntchito ndondomeko yomwe yatchulidwa pamwambapa ndikupeza kukula kwa chilango pa 117.56 ruble. Muyenera kudziwa kuti mlingo wokonzanso bwino ungasinthe nthawi ya kuchedwa, ndipo muzindikire kuti kuwerengeranso kudzasiyana. Zikatero, mlingowu umachotsedwa payekha pa nthawi iliyonse yotsimikizika.

Ngati ndondomeko ya refinancing inasinthidwa

Kampani ya LLC "Fast Shipping" mu 2011 siyinalipire msonkho wamtundu wokwana 12,000 rubles.
Nthawi yobwezera ndi February 1, 2012. Kampaniyo inabweza ngongoleyo motere: February 12 - 5000 rubles, March 1 - 7000 rubles. Pachifukwa ichi, ndalama zokhomera misonkho ndi 12,000 rubles kuyambira pa 02 mpaka 11 February ndi rubles 7,000 kuyambira 12 mpaka 29 February. Mwachitsanzo, chiwerengero cha refinancing chasintha kuchokera 8% kuyambira pa February 02, 2012 mpaka February 9, 2012 ndi 8.25% kuyambira pa February 10 mpaka February 19, 2012, ndipo potsirizira pake zafikira 8.5% panthawiyi Kuchokera 20 mpaka 29 February 2012. Kuwerengera chidwicho kungathe kuwerengedwa pogwiritsira ntchito ndondomeko yomwe ili pamwambapa. Kuchuluka kwa malipiro owonjezereka adzakhala 68.87 akaluble. Kotero, tsopano simudziwa kuti chilango ndi chiyani komanso ndi chikhalidwe chiti chomwe amapeza, komanso momwe mungaperekere chilango cha msonkho molondola. Luso labwino mu bizinesi, musalole kuchedwa!