Imiphumela intela ye loan entshisakalweni khulula phakathi izinhlangano ezingokomthetho. Thola imali engenanzalo kusuka izinhlangano ezingokomthetho

loan Kwenzalo - lena Kuyaziwa phakathi amabhizinisi. Kuze kube muva nje, isimo sengqondo saso iziphathimandla zentela yalo mbuzo kwaba isobala: ayemkweleta ubophekile ukuba akhokhe intela engenayo. Ngakho-ke, iyiphi kabusha izimali ngaphakathi eliyifa wokushumayela waba ingozi. Kodwa isinqumo etinkantolo letiphakeme wenza izinguquko ezinhle.

inhliziyo

ngokuvamile Inhlangano kuyinto isidingo izimali ezengeziwe. Ukuze amabhizinisi of inkampani ephethe ukuzixazulula le nkinga ngokunikeza imali-mboleko. ukuthengiselana okunjalo asetshenziswa njengengxenye ezezimali. Ababolekisi ngemali kwi grant isisekelo. Kodwa umamukeli idili enjalo zisongele yokutakula imali yentela (NPP).

Isikimu classical

Izinkampani ukudala inhlangano engokomthetho engiyosenza kuye izivumelwano ezimbalwa. Lokhu kunika amandla inkampani ngokushesha usethe imisebenzi. Phezu kokuthola ngenzuzo inhlangano uthola VAT "engenayo". Lokhu uyayixazulula inkinga yokunquma imithombo yokukhokha intela, embozwe kalula imali izikhala. Ukusebenza Rig ikhishwa njengoba loan, futhi W - efana ezezimali, ukwabiwa komhlaba, isibonelo, ngesimo ukulethwa lokukhokha. Izinkinga abangele imiphumela loan khulula phakathi izinhlangano ezingokomthetho, e-VAT ethile futhi NPP.

isiqondiso zomthetho

Ababolekisi ukunikela isizo leemali kilabo Amaphathi abadinga usizo. Okweletayo uthembisa ukukhokha lemali esikhathini esibekiwe. Ngakho amaqembu angene ubuhlobo zomthetho.

Imigomo kuthengiselana kuchazwe inkontileka. Kuqala kusukela mzuzu ukudluliselwa into (isamba semali CB, izikweletu kanye nokunye. D.). Ngokusho Art. 809 we Code Civil, kuthengiselana iyoba ngokuzenzakalela non-isithakazelo, uma into izinto.

requisites

Isivumelwano kumele icacise izinto ezilandelayo:

• isikhathi kanye nendawo eboshwa;
• amaqembu ukuba ukuthengiselana (amagama inkampani egcwele, zokuqala wabasunguli);
• kuncike - loan entshisakalweni khulula;
• kokukhipha nesikhathi nendlela imali (ngokuvamile ezisetshenziswa wesifunda izinkokhelo zenyanga);
• unswinyo uma ukubambezeleka yokukhokha;
• kungumsebenzi amaqembu: izimbangela nemibandela ekunqanyulweni yesivumelwano, i-force majeure;
• imininingwane yasebhange;
• amasignisha.

Kubalulekile kakhulu ukuhlola ngokunemba ngamaphepha yonke imininingwane. khona Siyakwamukela ku ummeli olungisa izivumelwano kuthengiselana. Uma loan inikezwe izimali zakwamanye amazwe, kubalulekile ukuthobela izinga lokushintshisana. Uma isivumelwano alisho isikhathi buyiselo kwezimali, kulinganiselwa ezinsukwini ezingama-30 kusukela ngosuku isicelo.

Izici

Nesivumelwano sokubolekwa phakathi izinhlangano ezingokomthetho (non-interest) Kungenzeka kufanele kubuyiselwe ekuseni. Lezi imisebenzi musa kuthinte inzuzo lomsebenzi: Ikhomishana azinakho icala. Ngakho-ke, ngo-scheme enjalo unesithakazelo ngokuyinhloko yomuntu obolekisayo. Kodwa ngisho nangemva ekukhokhweni ubuhlobo izikweletu abahlanganyeli abagcini lapho. Bazokwazi ukukhokhela izinkokhelo zakho. Ake sihlole kabanzi imiphumela intela ye loan entshisakalweni khulula phakathi izinhlangano ezingokomthetho.

Ngokusho Federal Tax Service bakholelwa ukuthi izikweletu isilinganiso lingachazwa ngokuthi ukuhlinzeka finuslug. Kodwa imali ngabo lizokhokhiswa. Mahhala loan iziphathimandla zentela isibaluli non-yokusebenza imali ngendlela amalungelo impahla noma amasevisi (Art. 250 NC). Ukulinganisa kwemihlomulo kwezomnotho kwenziwa ngesilinganiso isaphulelo ka refinancing of Central Bank ngosuku lapho phindisela loan kwenzalo.

ezimali

Imiphumela intela ohlotsheni kobunikazi abahlanganyeli kuthengiselana.

Ibhizinisi elisemthethweni ukuthi etholakala umbolekisi ethile, kungaba wayesesibeka ekukhiqizweni. Khona-ke lezi zimali ngeke zifakwe isizinda sentela. Inkampani akaphoqelekile ukuba ungakhokha intela.

Uma umuntu ayemkweleta futhi lo muntu obolekayo - abantu zemvelo, ukuthi asikhulumi mayelana nokukhokhwa kwezimali. Thola imali engenanzalo kusuka izinhlangano ezingokomthetho kuncike nokukhokhwa kwentela yengeniso - 35% kusuka ku-75% wamanje refinancing izinga.

Ukuqeda Federal Tax Service izimangalo kumelwe sizibonakalise ukuthi ukubolekwa imali engekho isevisi, imiphumela ezizosetshenziswa emsebenzini.

izidingo

Ababoleka imali angenza ibe inhlangano engokomthetho:

• ugunyaziwe transact;
• ukwenza zisebenzisa imali abayithole ngokulandelana, inkontileka bavumelana.

Owayebolekisile kungenzeka yebhizinisi, okuyinto ngokwesimiso, futhi umthetho kungavunyelwe ukunikeza izimali ngesikweletu. Kusukela ngoba idinga nje ubunikazi bento. Isihloko isikweletu idluliselwe oda efanele, kodwa ngesikhathi.

ukubuya

Isikhathi ukusikhokha sonke isikweletu sale awugcini ngumthetho. Lesikhatsi lesi umbolekisi ehlelekile futhi lo muntu obolekayo futhi ngokuvamile incike solvency we umhlanganyeli kuthengiselana yesibili. Owayebolekisile kungadinga iziqinisekiso ezengeziwe: yisibambiso impahla sureties shareholder noma umqondisi. Ukukhokhwa kwezimali - it is uyasho inani eligcwele ku-akhawunti kumthengisi. Endabeni ukwakheka izikweletu kungakapheli nenyanga (ngezinye izikhathi ikota) umbolekisi kuyinto angaya enkantolo.

NK VS CC

Ukwelashwa loan entshisakalweni khulula kule Intela Civil Amakhodi libhekene nemingcele ezifana:

• Esikhathini komthetho we-civil yesivumelwano loan futhi ukuhlinzekwa kwezinsizakalo - lawa amadokhumenti amabili ahlukene esingeke siyithole. Kulokhu, ukudluliswa kwempahla ukusetshenziswa ngokuphindiwe sekucatshangelwa yizinkantolo nokuhlinzeka impahla.
• umsebenzi Izikhungo saziwa, imiphumela ezingenakho inkulumo impahla. Ukunikezela izimali akuyona. Ngaphezu kwalokho, imali isetshenziselwa ekwamukelweni.
• Isevisi ibona isibonelelo uma umemukeli ayidingekile ukuze uthumele impahla yomuntu obolekisayo. Kodwa nesivumelwano sokubolekwa enikeziwe najlo amagugu.

lucre

It kuphakamisa imibuzo eminingi ngemiphumela ukuboleka imali ngaphandle kwenzalo. Accrual ka NPP intela ebizwa ngokuhlonza kukuthenga isithakazelo. Kodwa Tax Code ukuthola inzuzo yezinto ezibonakalayo kuphela kwenzeka uma kubalwa kwentela yengeniso. Ngo Art. 212 lichaza ngokucacile inqubo kokubala inani iqoqo. Lokhu kuyinsakavukela FTS ezama ukufaka isicelo SPE. Imiphumela intela ye loan entshisakalweni khulula phakathi izinhlangano ezingokomthetho ngesimo inhlawulo ngokuvamile izimangalo eziphikisiwe.

wokuqulwa kwamacala ezinkantolo

Naphezu kweqiniso lokuthi iningi izikhalazo ngalolu nkinga yaxazululwa esivuna bentela, inani nezicelo yentela yombuso Izikhungo sisekhona isikhathi eside. Isimo sashintsha lapho Ephakeme Arbitration iNkantolo yakhipha isinqumo lapho waveza ukuthi Tax Code akubhekwa izinzuzo zokonga imali ngoba ukusetshenziswa kwezimali waboleka njengoba sokubala NPP. imisebenzi enjalo ayibonwa amasevisi wayeqamba VAT izimali ngaphansi nesivumelwano sokubolekwa kungukuthi etholwe khulula. Ngakho-ke, imiphumela emibi ukuboleka imali engenanzalo ukuze ubuncane.

izingozi

Ezidinga ukucatshangwa ezinemininingwane yokusebenza, lapho imali abayithole kwesivumelwane sesikweletu, wasebenzisa ukukhipha loan entshisakalweni khulula phakathi izinhlangano ezingokomthetho. Imiphumela intela yemisebenzi enjalo eyingozi.

Izindleko ezikhokhiswayo for izibalo NPP, Ubona konke izindleko ukuthi incurred ekufezeni nemisebenti lehlose okwenza inzuzo. Okungukuthi, ikhumbula izindleko esikhokha inzalo phezu izivumelwano loan ukuqinisekisa ukuthi ukusetshenziswa kwezimali okuhloswe ngaso odala imali. Kunzima ukukwenza uma kuziwa ekutholeni imali-mboleko kwenzalo. Inhlangano ayikwazi acabangele inzalo emalini ebolekwe ku izindleko ze-non-yokusebenza. Okungukuthi, imiphumela intela ye loan entshisakalweni khulula phakathi izinhlangano ezingokomthetho ukuze inselelo ukuthengiselana okunjalo e Federal Tax Service wenkantolo.

Ukukhishwa amafa IP

Ngaphansi kwesivumelwano, umboleki uthola ezinye izinto noma imali futhi siphoqelekile ukubuyela kubo ekupheleni kwesikhathi. Waqaphela loan entshisakalweni khulula, okuyiwona:

• Kuncike imali ayeqi izikhathi 50 amaholo.
• Omunye amaqembu kuthengiselana kungukuthi wahlanganyela emsebenzini kwezomnotho. Kungenzeka ukuba bakhiphe ubufakazi bokuthi umuntu ayemkweleta is ohlwini ngaphansi inkontileka kusho ukuthi lithole, isibonelo, kusukela ukuthengiswa kwempahla.
• Obolekayo uthola value ne izici ezithile ejwayelekile.

Imiphumela intela ye loan entshisakalweni khulula phakathi izinhlangano ezingokomthetho kungenzeki uma idokhumenti bayonikezwa okungenani izinga ubuncane ukusetshenziswa kwezimali. Singaphetha ngokuthini sivumelwano lokuchibiyela bese elinika, ukuthi imali emuva esikhathini umboleki kuyodingeka bakhokhe, isibonelo, 1% ngonyaka.

Imiphumela lapho kungayi lubuyayo

Owayebolekisile unelungelo befuna kubuye imali ngokusebenzisa inkantolo kungakapheli iminyaka emithathu kusukela ngosuku olulandela usuku elicacisiwe usuku inkontileka ukuvuthwa. Uma igama elithi imalimboleko - iminyaka 5, ukuthi umbango kungenziwa welulela kuze iminyaka 8. Kuphela ngemva kwalesi sikhathi akunakubangelwa akhawunti ekhokhwayo futhi unike amandla usayizi base for izibalo NPP.

Uma lo muntu obolekayo njalo eminyakeni 3 ezilandela usuku lokuphela kwesikhathi eside, umbolekisi uthumela izincwadi ukuba kalula ubuyisele izikweletu, bese isimiso ukulinganiselwa wayengazange yisikhathi.

Hhayi acabangele inani izimpahla ze-non-abacula njengengxenye imali encane yentela, kumele wena:

• ukusetha isikhathi esiphezulu buyiselo imalimboleko;
• emva ivela khona, futhi ngemva kweminyaka engu-2 nezinyanga ezingu-11 ukuze uthumele umbolekisi incwadi ezivuma izikweletu ngeposi ukubuya Irisidi eceliwe.