Mawerengedwe a zilango ndi mitundu ya maubwenzi contractual

Pa asapita opeza zambiri pali milandu ntchito mwachinyengo pa udindo. Imodzi mwa njira wamba chifukwa kulamulira ntchito ubale contractual mutuluka chilango ziwalo, amene mitundu ikuluikulu chilango, zilango ndi ndalama.

Chilango, pansi malamulo panopa, ndi njira kuonetsetsa kudzipereka. Mwanjira imeneyi, izo kumaonekera m'njira ndi chikole, chikole, gawo la lien. Pakati pa mitundu pamwamba udindo thandizo chilango mwina njira ambiri pochita malonda. Khama la zilango anapatsidwa nkhaniyi. 330 wa Civil Code, kumene amaliona monga anakhazikitsa malamulo ndalama sonyezani mwa wamangawa wa ngongole kulephera kapena ntchito molakwika udindo contractual anapereka kwa.

zachilendo ndi vuto la kuwerengetsa chilango, amaganizira mavuto enieni omwe si kukwaniritsidwa ubale contractual. Apa m'pofunika kuganizira woyamba mwa otsatira'wa onse. Monga ulamuliro, chilango mawerengedwe wapangidwa malinga ndi chikhalidwe cha asapita zachuma, amene wapereka chigwirizano kapena amene amatsanzira malamulo panopa, ngati mgwirizanowo akusowa kapena sasamalira ziletso enieni ntchito zake zoipa. Mwachitsanzo, pochedwetsa ku chilango cha dongosolo mu chilango ntchito zithandizozi Akusonkhanitsa malinga ndi lamulo applicable, ndicho Art. "Pa Chitetezo cha Ogula 'Ufulu 23 cha lamuloli. lamulo ili ikuti chilango lidzawotchedwa analipira pa mlingo wa 1% ya mtengo wa utumiki tsiku lililonse yomweyo. Choncho, pamene mupanga kunena muyenera zikuonetseratu poyera tsiku inayake ya kuchedwa kuphedwa kwa dongosolo ndi tsiku kutha.

The zosiyanasiyana za ntchito zachuma alinga kuti phindu la mitundu ya zilango ndi chilango mawerengedwe pali ambiri. Mwachitsanzo, mawerengedwe a chilango yaikulu mlingo refinancing amakupatsani nzeru za chizindikiro ichi, chimene chinakhazikitsidwa ndi Bank wa Central. Panthawi mu Russia refinancing mtengo 8% ndipo amasonyeza chiwongola dzanja limene ngongole ndi chikalata. Ntchito njirayi, mukhoza kuwerengera chilango cha zosiyanasiyana mitundu ya maubwenzi contractual.

Mwachitsanzo, chilango mawerengedwe a pangano ngongole amafuna kuti chiwerengero cha chidwi chilango ndi wofanana ndi mtengo anapereka nthawi mlingo refinancing, ngati sizinafotokozedwe zinthu zina mu mgwirizano. Apa m'pofunika kuganizira mfundo yakuti ngati enieni akuti ngongole si olembedwa mu mgwirizano, mawerengedwe a ikuchitika zochokera kuvomereza makonzedwe chiwerengero cha masiku m'mwezi 30, ndipo chiwerengero cha masiku pa chaka, wofanana 360.

Komanso yaikulu mlingo refinancing kuchita masamu ndi chilango pa ngongole ya. Chilinganizo cha kuchuluka chilango kudzayesedwa motere: × H = L × Sd TSAMBA, m'mene:

H - mtengo chilango, R - chiwerengero cha masiku overdue, p - mtengo refinancing.

Mu mawerengedwe a zilango msonkho ntchito ngati mtengo m'munsi mtengo wa 1/300 wa refinancing. Choncho, njira amakhala: H = Sd × L × 1/300 × TSAMBA.

Malinga ndi st.424 Civil Code anapanga chilango mawerengedwe pansi pa pangano okwanira, chakudya womwewo wa Malangizo pamene kuwerengetsa chilango malonda ndi kugula mapangano. The peculiarity izi vuto ndi kuti sikutanthauza kuzipeleka kwa kundiuza kuti Kulipira mgwirizanowo. Kudzatenga chilango akukwana zopelekedwa umboni kuti mwachikulu posonyeza zimene analidziwitsa ndi Executive kuti waive yobereka. umboni wotero chiphaso kutumiza makalata olembetsedwa, matelegalamu ndi mauthenga ena.