Lamulo Federal "Pa ogula ngongole"

Chilamulo 353 Federal "Pa ogula ngongole" nthawi asapita za makonzedwe a ndalama kwa nzika zokhudza bizinesi. Chakudya cha mchitidwe normative adzakhala ntchito kwa wotuluka imene maudindo a anthu thupi Amawapatsa kubweza. M'nkhani yotsatira Chilamulo Federal "Pa ogula ngongole (ngongoleyo)," zambiri.

Kaperekedwe General ya mgwirizano

pangano zikuphatikizapo ambiri ndi munthu chakudyacho. Izo zikhoza kukhala zinthu panopa mapangano ena, ngati sizikutsutsana ndi mchitidwe normative pansi kulingalira. Ndi mawu a pangano potipatsa ogula ngongole, kupatulapo zinthu anavomera Zipani kuti iwowo malinga ndi Part. Gawo 9. 5 la Federal Chilamulo №353 malamulo ntchito Art. 428 wa Civil Code. kamba General anakhazikitsa bungwe, kupatsira amatanthauza anthu zachilengedwe, unilaterally ntchito ananenanso.

kuwadziwitsa nzika

"Pa ogula ngongole" malamulo amafuna mabungwe a zachuma inali m'madera powapatsa mfundo zogwirizana za misonkhano:

1. Dzina la kampaniyo, malo a nthambi za thupi okhazikika, kukhudzana zambiri, webusaiti ya boma pa Intaneti.
2. Chiwerengero cha chiphatso mtumikiyo malinga ndi zomwe kuchititsa ntchito ku banki kumayambiriro zambiri mu chigawo m'kaundula kapena umembala kudzipatsa pocheza (malingana ndi mtundu wa ogwira).
3. Zimafunika wodandaulayu. Iwo anaika wokongoza ndi kumanga.
4. Nthawi ntchito ndi zochita pa izo.
5. Mndandanda wa mapepala chofunika chopezera ndalama, kuphatikizapo adziwe za solvency wa nkhaniyi.
6. Mitundu ya ngongole.
7. Anapereka ndalama ndi nthawi kubwerera kwawo.
8. Ndalama zimene ngongole yake.
9. Njira za njira, kuphatikizapo kugwiritsa ntchito zipangizo zamakono malipiro.
10. chiwongola dzanja. Pamene ntchito tariffs variable zambiri za dongosolo la kukhazikitsidwa awo.
11. Mitundu ndi ndalama za malipiro ena kuti nzika mu mgwirizano.
12. Mtengo ranges chiwongola dzanja ogwira, anakhazikitsa malinga ndi zofunika za Chilamulo Federal # 353.
13. malipiro Periodicity pamene kubwerera njira, athamangitsidwe chidwi kapena ndalama zina.
14. Nthawi imene wodandaulayu achoke ngongole.
15. Njira obwezeredwa, malipiro chidwi pa ngongole, kuphatikizapo Baibulo ufulu wa alipire.
16. Njira kukwaniritsa.
17. Udindo wobwereka kuti ntchito molakwika mgwirizano, kuchuluka kwa chilango, dongosolo la mawerengedwe ake. Komanso zambiri za nkhani imene ziletso ingagwiritsidwe ntchito.
18. Pakuti mapangano ena, kuti Ndizachidziwikire, kapena ntchito zina zimene zatchulidwa pa maziko kuvomerezedwa pa mapeto a pangano ngongole, mwayi wodandaulayu kulandira kapena kukana siginecha awo.
19. Kuwonjezeka Nkosatheka ndalama wodandaulayu poyerekezera ndi kuchuluka amafunika rubles, kuphatikizapo pa nkhani ya mtengo variable.

M'madera ntchito angathe kuperekedwa ndi zina omwe ali ofunika kwambiri ogula ndi. Information Zikuvumbulutsidwa kwa nzika kwaulere. Ngati ndi kotheka, anthu zachilengedwe kuitanitsa mabuku a zolembedwa. Amawapatsa kwaulere kapena amalipiritsa, kuchuluka kwa zomwe si upambana phindu la ulimi wawo.

zinthu payekha

Lamulo "Pa ogula ngongole" amapereka harmonization mwa zinthu mwachindunji pakati pa bungwe chuma ndi wodandaulayu. Kuti zinthu payekha monga:

1. Specific kuchuluka anapereka kwa nzika, kapena malire a ndalama ndi ndondomeko updating ake.
2. Nthawi ya mgwirizano ndi obwezeredwa nthawi.
3. Ndalama zimene ngongole ya mwapatsidwa.
4. chiwongola dzanja mu% pa annum, ndipo mu nkhani ya ndalama variable - ndondomeko kudziwa, malinga ndi lamulo ankaona.
5. Information pa kukhazikitsidwa kwa kuwombola yachilendo ndalama, ngati mawonekedwe a ndalama, imene ngongole ya mwapatsidwa chosiyana ndi chimene kulanda ndi bungwe chuma chimachititsa munthu gulu lina mwachindunji ndi wobwereka lapansi.
6. Mtengo, kuchuluka ndi pafupipafupi malipiro pansi pa nzika kapena dongosolo la matanthauzo awo, komanso malamulo imene iwo kusintha mwambo alipire oyambirira ngongole.
7. zolinga zimene anthu zachilengedwe tikatha ndalama, ngati zinthu zogwirizana zafotokozeredwa mgwirizano.
8. Udindo chilli cholakwika kukwaniritsidwa udindo.
9. Kutheka loletsa pa ntchito ufulu (zonena) lachitatu maphwando pansi mgwirizano.
10. Alembe ndi chilolezo kwa mawu ambiri ndi zinthu pangano.
11. Njira nzeru zambiri pakati pa zipani.

Lamulo "Pa ogula ngongole" akulola kulolerana mawu munthu ndi zikhalidwe ndi zina zogwirizana ophunzira ndikupeleka.

Ziletsozi

Chilamulo 353-FZ "Pa ogula ngongole (ngongoleyo)," salola kuti likhale pangano la:

1. Pa kulanda bungwe ndalama lonse kuchuluka kapena mbali zake monga chikole cha ngongole.
2. Pa nkhani ya zachilengedwe anthu a watsopano ngongole kulipira wogwila ngongole popanda kupanga lolingana mgwirizano pambuyo tsiku ake zosayembekezereka.
3. Amakhazikitsa udindo wa nzika za ku ntchito misonkhano ya mabungwe lachitatu chipani mogwirizana ndi ntchito udindo wake pansi pangano kwa amalipiritsa.

kusintha kwa zinthu

Lamulo "Pa ogula ngongole" akulola kusintha kwa chakudya payekha panganolo. Choncho dongosolo ndalama chotipatsa njira nzika ayenera kutsatira malamulo. Nzika ntchito ndalama ngongole ayenera kukanena kusintha kwa chokhala mfundo kapena njira kulankhulana naye. 353-FZ za chilamulo "Pa ogula ngongole" amalola:

1. The kuchepa chiwongola dzanja bungwe ndalama unilaterally.
2. Kuchepetsa kapena kulipira chindapusa cha utumiki umene mawu munthu wa pangano.
3. The kuchepa kwa ndalama, chilango, chilango kapena achire awo (mokwanira kapena pang'ono).
4. Kusintha zinthu wamkulu wa mgwirizano.

Zimene angathe kuchitidwa, ngati iwo zimabweretsa zikamera wa watsopano kapena kuwonjezera udindo zilipo za wobwereka lapansi. Pankhaniyi, kosamalira chuma ayenera kutumiza nzika zidziwitso ndi kum'patsa wodziwa zambiri zokhudza asinthe.

mokoma

lamulo Federal "Pa ogula ngongole" imafotokoza kuti kukachitika kuti zinthu payekha chifukwa banki mu dzina zimene kutsegula kwa ntchito zonse, amene ikukhudzana kukwaniritsidwa kwa udindo, kuphatikizapo issuance ndi kulanda ndalama kwaulere. Udindo za kufunika kunena mapangano zina kapena kugwiritsa ntchito ndalama kampani ya kapangidwe ndi chilango cha mgwirizano waukulu m'gulu kokha ngati anthu zachilengedwe anasonyeza chilolezo yake ili mu kulemba. 353 Lamulo "Pa ogula ngongole" salola yosonkhanitsa chindapusa kwa pochita ntchito ya gulu pokhazikitsa zochita zolimbana, komanso makonzedwe a misonkhano imene ikuchitika chidwi chawo, ndi chifukwa cha zomwe osiyana phindu pecuniary ndi sanalengedwa chifukwa wokongolayo.

Dongosolo la alipire

Lamulo "Pa ogula ngongole (ngongoleyo)," n'chakuti kuti likhoza kukubwezerani, kuchuluka anathandiza ndi wokongolayo, udindo anatseka motere:

1. Yosalipidwa chidwi.
2. Sonyezani kuchuluka yaikulu.
3. Chabwino, chilango kapena chabwino. Mtengo wake anatsimikiza ndi malamulo a luso. 21 Chilamulo Federal №353.
4. Chidwi accrued pa nyengo ilili.
5. Kuchuluka kwa ngongole yaikulu monga pa tsiku la malipiro lotsatira.
6. amachotsera ena zafotokozeredwa malangizo kapena mgwirizanowo.

chilango

RF Chilamulo "Pa ogula ngongole" amakhazikitsa ulamuliro monga amene izo masamu. Malinga ndi chakudya cha mtengo lamulo la chilango sangathe upambana 20% pa annum. kukula izi zimadalira ngati accrual chidwi ikuchitika pansi pangano olemekezeka kuchuluka kwa ngongole kwa nthawi, amene inasokoneza chifukwa. % Ngati musaganizire za mgwirizano, chilango mtengo - 0.1% ya pochedwetsa. Iwo masamu tsiku lililonse la zotsatira.

mtengo wa ngongole

Pa mawerengedwe ake amaganizira malipiro imati:

1. Alipire wa ngongole yaikulu pansi mgwirizano.
2. Kulipira chidwi.
3. Mokomera bungwe ndalama, ngati mtundu uwu ntchito anapereka kwa movomereza kapena ngati disbursement wapangidwa amadalira zoperekazo.
4. Kuti amasule ndi kukonza wotsatira wa njira zamakono za malipiro mapulani ndi chilango cha mgwirizano.
5. Kwa phindu la mabungwe lachitatu chipani, ngati nkoyenera kwa mgwirizano, imene anthu amenewa yapezeka kapena ngati ngongole zili amadalira mapeto a mgwirizano ndi iwo.

tariffs

Lamulo "Pa ogula ngongole" imafotokoza kuti, ngati mgwirizano anatsimikiza ndi munthu wachitatu mu mawerengedwe a mtengo okwana ntchito mitengo wapadera ntchito ndi nkhani imeneyi. Mitengo mwina kuganizira peculiarities wa wokongolayo. Ngati ngongole satenga nawo nkhani, wodandaulayu tidzakwatulidwa analidziwitsa za izo. Nthawi zina, malipiro mokomera mabungwe lachitatu chipani pamene kuwerengetsa phindu sangakhale mwapadera wotsimikiza pa nthawi yonse ya mgwirizano. Zikatero, tariffs amaika pa tsiku mawerengedwe. Ngati mgwirizanowo n'chakuti chiwerengero cha mabungwe lachitatu chipani, angagwiritsidwe ntchito mitengo ya aliyense wa iwo. Izi zisonyeze tsatanetsatane wa munthu, amene ntchito mu mawerengedwe a tariffs.

zambiri

Lamulo "Pa ogula ngongole" amakhazikitsa zingapo zofunika kuti mapeto a mgwirizano. Ngati makonzedwe a ndalama nzika zimaperekedwa kwa zingati zinthu zina, kuphatikizapo inshuwalansi / moyo ayenera mayina ndi kulengeza munali mfundo zimene anthu zachilengedwe kuvomereza kwawo. Pankhaniyi, umanena mtengo. Kuphunzira ntchito nzika kwaulere. Ngati chikalatacho linaperekedwa Komabe, kusankha apereke ndalama sangathe kuchitidwa popanda pamaso pa anthu thupi, yotsirizira anapereka zinthu zomwe pali zambiri za tsiku anavomereza kuti kumupima. Company Financial ali ndi ufulu wokana wodandaulayu popanda zifukwa zina, ngati si udindo wa wayikidwa kulongosola nkhani ya yankho anakambirana kwa malamulo. Pa nthawi mfundo zofanana za chisankho operekedwa kwa amasinthira. mgwirizano tidzakambirana anasaina ngati zipani tabwera ndi zogwirizana kwambiri pa munthuyo onse ndi madalitso ake. pangano imayamba ndi makonzedwe a ndalama kwa obatizidwayo.

Komanso

Wobwereka akhoza kudziŵitsa ngongole bungwe la chilolezo kulandira ndalama pansi zikhalidwe akonzedwa mu mgwirizano, mwa masiku asanu kuchokera pamene kuzolowerana ndi iwo, pokhapokha osiyana nthawi sipakhala ndalama dongosolo. Iye nayenso, sangathe kusintha chakudya cha pangano pasanathe masiku 5 chiphaso cha nzika ya. Ngati kapangidwe ndalama wobwereka ndi walandira mgwirizanowo anasaina kumapeto kwa nthawi tsiku zisanu, tidzakambirana anamaliza.

Pomaliza

Ngati wobwereka akuphwanya maudindo a ntchito ankafuna ndalama anakhazikitsa mu mgwirizano, ndi ngongole safuna utumiki zina makasitomala. Alinso ndi ufulu wotilamula alipire oyambirira. Kumasulira wofunikila mapeto a mgwirizano, ndi neno pa makonzedwe a ndalama akhoza yolembedwa ndi gulu ndikupeleka ntchito njira analogue siginecha, kutsimikizira kuti adzaupereka maphwando, malinga ndi malamulo panopa, ndipo anatumiza kudzera mwa mfundo ndi kulankhulana ngalande.