Izohlwayo lokuhlawula kade eluncedo. Indlela ukubala inzala engagqibekanga

Ngokutsho komthetho izindlu ze-Russian Federation, wonke ummi neenkonzo zezindlu abafumana, kufuneka ahlawule ixabiso yabo ungadlulanga umhla we-10 wenyanga elandela kokuphela, ngaphandle kokuba kubonelelwe ngenye indlela imvumelwano ekugqitywe ngayo kwinkampani yolawulo okanye HOA. Ukuba intlawulo ayihlawulwanga ngexesha, ubheke accrual kwezohlwayo sokuhlawula kade ngayo imali yezinkonzo.
Njengoko yonke uba ibiza kakhulu ukohlwaya ngosuku ngalunye, kunye loo mhlola ezingemnandi, njengoko na iifayini, izohlwayo kunye izohlwayo, kufuneka ukuba nazo rhoqo. Ngoko kuyimfuneko ukuba ukucela ukubala njani ubungakanani izohlwayo ukuhlawulwa kade, kwaye mhlawumbi zizonke siphephe le meko krakra.

Ukuhlawulela yonke into

Njengoko sisazi, ubudlelwane Izixhobo zikaWonke wonke kunye neenkonzo kubathengi yaba ngundaba-mlonyeni ngawo onke amaxesha. Ukukhula kwamatyala ngenxa eziluncedo maxa wambi ukuzisa nemibutho efanelekileyo ukuya kufutshane ungonakala. Oku ingakumbi umba ezifanelekileyo namhlanje, ngokwemiqathango ukwanda lilonke kwamaxabiso bonke. Kungenxa yoko le nto iinkampani ezibonelela ngeenkonzo zikamasipala ukuya labemi, uzama ngandlela zonke ukuba luyakunceda abathengi zabo, ukufumana ukuba bahlawule kwangethuba, okanye ngcono noko - ngaphambi kwishedyuli. Enye ezinjalo isixhobo kukuhlawulwa izohlwayo ukuhlawula kade.

udaba embi

Ngokutsho iingcali ezizimeleyo, nje kwama-6% labathengi ityala kukungakhathali kwi zoluntu. Noko ke, eli nani nezingathi zincinci lwazo abathengisi byi kakhulu iinkonzo izibalo. Kwaye malunga kuphela isiqingatha abanamatyala abanawo amandla mali ukuhlawula amatyala ngexesha, ngelixa kwinxalenye yesibini ye neye eyingozi kakhulu olukwaziyo "ukutsala" eluncedo umthwalo, kodwa ngenxa yezizathu ezahlukeneyo ukuba benjenjalo. Umntu ngabom musani ukuhlawula umbane, irhasi kunye umjelo, wayethembe ukuba ezinye uhlobo ghost "mhlawumbi", umntu kuzisa ukulibala aphantsi. It is on ababaxhasi, ngenxa 'sclerosis zemali "ukwayo sesohlwayo kuba nempembelelo engcono. Ubukhulu izohlwayo ukuhlawula kade kudla ngokwenzeka kukuba, overpaying kakhulu kanye, apha "zabyvashki" aqale esweni ngenyameko ukufaneleka intlawulo.

Awunayo uhlawule? Kufuneka ukuba ungcikivo kuwe!

Ngokubanzi, olusikiweyo kufunyenwe intlawulo woluntu - umhla we-10 wenyanga elandela yokuhlala, nangona ngamanye amaxesha kwiimvumelwano ngabanye ngabanye HOAs unokuma omnye umhla. Noko ke, ukuba ilixa "X" kweerisithi zakho ahlale engahlawulwanga, ngoko ingomso liya ngokuzenzekelayo kuqalisa ethumela isohlwayo. Ngoko ke, ubukhulu izohlwayo ukulibaziseka isiphelo ujika ube elide, elide wena siyaphepha na intlawulo ngokupheleleyo kwetyala. Enyanisweni, akukho mfuneko ukubala ubungakanani omhle ngokwakho, usenalo irisithi, apho izohlwayo uya kuluhlu, kodwa ukwazi umgaqo izibalo zalo, ungakwazi kabini khangela iziphumo. Ukuba unento akavumelani, kunokwenzeka ukuba umngeni izenzo kwinkampani yolawulo enkundleni nokubonelela ubalo lwabo, kwakunye ubungqina bokuba usenzile waba izizathu ezivakalayo libaziseko.

Indlela enye ukuphembelela onetyala

Ukongeza izohlwayo ukuhlawulwa kade, eluncedo bangenza izicelo ezinye ukwayo. Ukuba ngaba uhlawule amatyala akho ukuze ubuncinane iinyanga ezintathu, ukulungiselela into yokuba u "kunqunyulwa" ukukhanya, amanzi kunye negesi, ngokubanzi, zonke izinto endingayihlawuleliyo ngazo.

Emva kweenyanga ezintandathu, inkampani, umthengi unelungelo lokuba isicelo enkundleni ukunyanzelisa ityala. Kulo mzekelo, esi sigqibo siza mhlawumbi hayi ngecala lakho, yaye kuya kufuneka idibane bailiffs, oya kuzama ukumbamba akhawunti zakho impahla kunye ebhankini.

Ukuba inqununu kunye inzala kwimali osemva ngayo imali yezinkonzo luya kugqithisela umbundu ka-10 amawaka. P., sisuke uya uneengxaki abasuka kwamanye amazwe, baze bathengise impahla, ebuhlungu ngenxa kwamatyala, akusayi kusebenza.

Kaloku, lo umlinganiselo exposure kakhulu enkulu kakhulu neye ngolunya i ukukhutshwa unyanzelekile. Ukuba umntu onetyala uhlala lwezindlu zikamasipala, isigqibo senkundla oko kufuneka ukuba aphume ngokubanika endaweni yenye, ngomlinganiselo 6 m ² umntu ngamnye.

Njengoko izohlwayo ethe sokuhlawula kade into eluncedo

Abo engaqondanga aphathe neemfanelo zabo zezimali inkampani solawulo, kufuneka ukwazi ukuba isohlwayo uya kunyanzeliswa ukuba ngosuku ngalunye non-kuhlawulwe intlawulo sicinywa.

Ukuze ukubala yenzala intlawulo kuyimfuneko ukwazi izalathi-3:

• imali yetyala;
• Inani leentsuku kokulibazisa, kuquka umhla buyiselo;
• mboleko Izinga CBR (akhawunti efanayo) ngexesha yokubala.

Ukuza kuthi ga ngoku, ubungakanani izohlwayo wayezimisele njengenye amathathu ekhulwini izinga isaphulelo ye-Central Bank ngosuku ngalunye yokulibaziseka intlawulo. Ukuze uqonde ukuba ukubala njani inzala olungagqibekanga, ufuna onke amacandelo ngasentla zifakwa ifomula:

N = Cs x D x CP / 300

• N - Imali engahlawulwayo (imali);
• Cs - iyonke imali ehlawulwayo olu hlobo lwentlawulo;
• D - Inani - Inani leentsuku intlawulo engahlawulwanga;
• Umyinge - i ekukhutshweni kwemali izinga le-Central Bank kwizabelo (.. Ie, isidingo umyinge wenzala umahlule ngo-100%); ngexesha lakalokunje, kuba 8,25%, nto leyo ithetha ukuba inani ukubala oku kulandelayo: 8,25% / 100% = 0,0825.

Isilumkiso! Ukuba isaphulelo izinga (umyinge mboleko) ayitshintshanga ngethuba lokuba ityala, kufuneka ukubala wenziwe ngokwahlukeneyo ixesha ngalinye - phambi kokuba utshintsho kwaye emva kwayo.

"Isitshixo" Financial

Phambi ukubala inzala olungagqibekanga, iindleko kodwa kwakhona bahlule ngokucacileyo phakathi amazinga amabini Central Bank - kunye akhawunti engundoqo. Ukuba yokuqala esetyenziswa ekubaleni ezahlukeneyo fayini kunye nezohlwayo, eyesibini isetyenziswa ukuzinzisa inkqubo logcino xa iyonke. Ukususela 2016 i-Central Bank of the Russian Federation iceba ukucinga la magama mabini, kodwa bade babe iintsingiselo ezahlukeneyo ngokupheleleyo.

It iyahlozinga yokusebenza iqhosha rate yabangela njengomzi - kwathiwa ukuba ngenxa oku kusanda kakhulu ubungakanani izohlwayo kwabo akwazi ukuhlawula umbane, ukulahlwa kwenkunkuma kunye namanzi ngendlela efanelekileyo. Noko ke, iincoko ezinjalo hayi ngaphandle kwesizathu. Kodwa ke oku akuthethi ukuba "zabyvashki" uyakwazi ukuphefumla lula.

I "nceda" kulo nyaka umiyo

Ngokutsho iingxelo zamagosa Russian, ngo-2015 ukubalwa izohlwayo intlawulo emva kwexesha ziya kwenziwa ngendlela entsha. I-Code yeZindlu iya kulungiswa ngokuphathelele izinga mboleko ye-Central Bank. Ngoku, kuba ukubala isohlwayo ukuba usebenzise ezimakhulu mathathu kunye stosemidesyataya enye evela ixabiso layo. Ngenxa yoko, ubungakanani fayini kunye nezohlwayo ziya kwandiswa phantse isiqingatha, kunye nabo singazihoyi intlawulo kwangethuba imali yezinkonzo, uya Ukongezelela kuhlawula ngaphezulu kwe-17% ngonyaka kwi-mali ematyaleni, nto leyo efana mboleko yebhanki avareji.

Noko ke, izilungiso ezintsha umthetho kukho umzuzu ezakhayo - ngoku deviators anikwe njengoko iinyanga ezi-3 ukuqinisekisa ukuba ahlawule ngokuzithandela ityala. Isohlwayo yokubala iza kwenziwa ukususela ekuqaleni, kwaye wokubambezeleka imini-91 ngo intlawulo.

Indlela yokuphepha izohlwayo intlawulo kade into eluncedo

Impendulo yokuqala nenengqondo Kucacile - ukuhlawula amatyala kwangexesha. Kodwa maxa wambi kukho iimeko apho oku kunokwenzeka. Ukuba ngaba ukumelana nomthwalo eluncedo ngenxa yokuba base- umvuzo okanye baphelelwa umsebenzi yakho yonke, uyakwazi amalungiselelo-mali. Kwaye ukuba Awunayo le imbuyekezo efunwa ngumthetho, kunokwenziwa isigqibo kunye nomniki-nkonzo isivumelwano okanye isivumelwano lokuxabangela ebonelela ngokutsha okanye ishedyuli lokubuyisela ngamnye.

Ukuba bayahamba uhambo olude okanye nje ndigqibe kwelokuba ndobudlulisa ihlobo kweli lizwe, ungaqhagamshelana inkampani lolawulo ngesicelo esisiso, ngokusekelwe apho uya kwenziwa recalculation. Ukuba awufuni ukuba azahlulele abasebenzi kwinkampani eliluncedo le ukuba indlu yakho ayinanto ixesha elide, loo recalculation kungenziwa ukubuya kwakhe. Ngokwendalo, kulo mzekelo uza kunika iqela kwamaxwebhu engqina ukungabikho yakho. Kunokuba incwadi yokundwendwela, nencwadi kagqirha, itikiti ukuya iiholide njalo njalo. Kufuneka kukhunjulwe ukuba kunokwenzeka ukuba kubalwe kuphela isabelo imali yezinkonzo, nto leyo kungafuni iinkonzo obschedomovyh kunye nokuzifudumeza, njengoko ezi ntlawulo ziza kuba ngenxa nokuba phambi kwakho kule ndlu.